Visa Signature Credit Card

Visa Signature Credit Card

A card that knows you deserve the best!

Your Visa Signature Credit Card from The Saudi Investment Bank pampers you with hand-picked privileges. A card that is up to every task, offering you an enhanced spending power, a high level of benefits, priority customer service, extended warranty coverage, in addition to exclusive benefits not found anywhere else. A card specially designed to exceed your expectations every time.

It is everything you have always wanted in your credit card.

Whatever your demand is, your Visa Signature Credit Card has it covered.


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  • Customer’s age must range between 18-65 years
  • Customer must have an account with SAIB
  • Customer must be employed, self-employed, retired, or average balance accountholders

Note: The Bank reserves the right to accept or reject an application based on the policy in place at the time of the request


  • Filled and signed Credit Card Application form
  • A valid National ID for Saudis
  • Salary certificate
  • 3-month bank statement
  • Copy of ID for potential supplementary cardholder
  • Valid commercial registration for self-employed along with 12-month bank statement


Annual Fees SAR 700*
Supplementary Card Fees Free
Tawarruq Profit Rate 2.49%
Card Replacement Fees SAR 100
Late Payment Fees SAR 100
Cash Advance Fees SAR 75
PIN Mailer Re-issuance Fees SAR 40
Dispute Fees (False Disputes) SAR 50
Additional Statement Fees SAR 40
Foreign Currency Mark-up 2.75%
Minimum Payment Due 5% or SAR 100 (Whichever is higher)

* All new cards issued after December 15th 2019 will be waived of annual fees.




To check our terms and conditions click here


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An example of information that will be obtained when applying for a product
Profit margin % 2.49
Minimum payment amount % 5
APR % 39.70
The period required to pay the full balance (Years) 7

*The Annual Percentage Rate (APR) may differ based on the amount and maturity period.

Product Risks

To view the Credit Cards product risks, click here


How long does it take to receive my SAIB credit card?

Maximum of 7 business days from the approval date.

How do I know the status of my credit card application?

To check the status of your application, please call 800 124 8000 (if within the Kingdom), or +966 11 418 3100 (if overseas).

Will I receive my credit card and the PIN together?

For your security, you will first receive the card separately, and then you will receive the PIN after.

How can I activate my credit card?

You can activate your card through our Internet Banking “Flexx Click”, the Mobile Application “Flexx Touch”, or by calling 800 124 8000 (if within the Kingdom), or +966 11 418 3100 (if overseas).

How can I benefit from the Concierge Service as a Visa Signature Credit Cardholder?

With Global Concierge Service, you can rest assured you are in good hands. Developed exclusively for Visa Signature Credit Cardholders, this complimentary service provides everything you need for your personal and business life, and is available in several different languages.

The Global Concierge Service saves you precious time and is available 24 hours a day, 365 days a year, employing a network of world-class resources to offer solutions and recommendations tailored precisely to your requirements. The service also keeps track of your profile, ensuring that your individual expectations and preferences are fully understood. Concierge Service categories:

  • Travel: information and reservation assistance for travel and hospitality
  • Entertainment and Leisure: international dining and luxury leisure services
  • Retail and Personal Services: domestic services, delivery services, life event management and emergency services

For more information, contact your Global Concierge Service on 800 844 3488 (if within the Kingdom), or +971 4 361 1234 (if overseas).

Alternatively, you can send an email to

What happens if I lose my card or if my card is stolen and how can I request a replacement card?

In case of loss or theft of your card, immediately call 800 124 8000 (if within the Kingdom), or +966 11 418 3100 (if overseas) to block your card and request a replacement card to be sent to you within 5-7 business days. You will also receive a new PIN for the new card. Your credit card will be inactive until you activate it again.

If my credit card expires this month, how can I get a new card?

We will send you a renewed credit card at least 2-4 weeks before the expiry date. If you do not receive a new credit card during that period, please call 800 124 8000 (if within the Kingdom), or +966 11 418 3100 (if overseas).

Are my online transactions secured?

All transactions done online using any SAIB card is supported by 3D secure (verified by visa) security feature.

Can I set a credit limit for the supplementary cards that I have?

Yes, you can set any limit you want (within the primary card limit) by calling 800 124 8000 (if within the Kingdom), or +966 11 418 3100 (if overseas) or visiting any of SAIB branches.

What are the available channels to pay my outstanding balance on the credit card?

You can pay through the following convenient channels:

  • SAIB Branches
  • E-channels: Flexx Click or Flexx Touch
  • Direct debit from your SAIB account
  • Phone Banking Flexx Call

How can I know the WooW points earned using my card?

You can use WooW calculator to know more about the points earned by choosing the type of transaction, and the number of points earned will appears. click here to use the calculator.

How can I benefit from the Meet and Assist Service at international airports?

You can fast track your clearance through customers and immigration at over 380 airports around the world. For more information, please visit: