Visa Silver Credit Card

Visa Silver Credit Card

Welcome to the world of Visa Silver Credit Card from The Saudi Investment Bank which enables you to make online or PoS purchases without the need to carry cash. Visa Silver Credit Card from The Saudi Investment Bank offers many exclusive services, convenience and a wide variety of offers designed to complement your lifestyle. Whether you are travelling, shopping, hosting dinner or even renovating your home, Visa Silver Credit Card from The Saudi Investment Bank is your ideal solution.



Shariah compliant

Our Visa Silver Credit Card offers you peace of mind and gives you the flexibility to pay as little as 5% of your outstanding balance no matter how much you spend

Globally accepted

Enjoy the flexibility and convenience of using your card at more than 30 million merchants worldwide

Free supplementary cards for all your family members

Visa Silver Credit Card allows you to get free additional cards for all your family members without the need for a separate account, which helps facilitate and monitor your family’s spending. Supplementary cardholders will enjoy the same features as the primary cardholder

Easy Payment Plan- 0% profit rate

You can avail of Easy Payment Plan program that is designed for SAIB credit cards offering cardholders to make large purchases and convert them to easy and equal monthly payments up to 12 months at selected partners. For details, please click here.

Instant cash

Enjoy instant cash withdrawal up to 30% of your credit limit from any ATM worldwide

SADAD utility bill payment

For more convenience and flexibility, you can pay all your SADAD utility bills using any SAIB credit card

Avail of “Aseel” program discounts

You can avail of “Aseel” program discounts at prestigious merchants from dining to shopping, travel to entertainment and much more. For details, please click here.

WooW points for every transaction

WooW loyalty program will offer you points on all transactions done using SAIB cards, which can be redeemed with attractive airline miles, vouchers, gifts, and many more. For more information, please click here.

Chip-and-PIN card safety feature

The card is secured with a Chip-and-PIN safety feature giving more comfort to the cardholder during financial transactions

Online access to view your card account

SAIB offers you innovative online banking solutions to save you time and effort, and help you carry out your banking transactions anywhere and around the clock without having to visit the branch

SMS notification for each transaction

Get additional security with free SMS alerts for every transaction made on your card to provide you with more comfort, security and protection

A replacement card wherever you are

There is no need to worry in case you lost your card during your travel. You can now request an emergency replacement card to be mailed to you wherever you are around the world in a shortened period of time. Simply, call 800 124 8000 (if within the Kingdom), or +966 11 418 3100 (if overseas)

Customer service around the clock

Flexx Call team is available around to clock to serve you. Simply, call 800 124 8000 (if within the Kingdom), or +966 11 418 3100 (if overseas)





  • 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 and passport for Expatriates
  • 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
Fees for Visa Silver Credit Card from The Saudi Investment Bank
Annual Fees SAR 200
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)


To check our terms and conditions click here

The calculator provides estimates only.

Customer Type
For exact figures, please contact Flexx Call contact center at 800-124-8000

or visit the nearest SAIB Branches.
All finance products are subject to credit approval.
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 risks of Credit Cards, 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).

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.