SABB Credit Card User Guide - Log-On (1 - 2) Credit Card User Guide ... Tawarruq mechanism Since SABB Credit Card is based on the Tawarruq concept, the Bank shall carry out a Tawarruq transaction

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    13-Mar-2018

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  • SABB Credit Card User GuidefFG S bH GSG dO

  • Welcome to the world of SABB Credit CardsSABB Credit Cards are welcomed at over20 million establishments in the Kingdom and worldwide.

    Tawarruq mechanismSince SABB Credit Card is based on the Tawarruq concept, the Bank shall carry out a Tawarruq transaction by selling you certain commodities owned by the Bank on a Fudoly basis for the remaining balance of thetotal amount due. This is done in one instalment,for one month starting as of the due date to settlethe Card dues from the proceeds of selling thesaid commodities.

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  • More secure with SABB Credit CardsSABB Credit Card is more secure than ever with the

    embedded microchip that provides a high level of

    security and convenience since the data stored inside the

    chip is encrypted, preventing fraudulent use of the Card.

    In addition to this, a Credit Card PIN code will have to be

    used along with the Card to pay for all purchases and for

    cash withdrawals. For that, please ensure you activate

    your Card and get a PIN code as soon as you receive the

    Card so you can enjoy all of its benefits.

    2

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  • How to get a PIN code for your SABB Credit Card If this is a new or a replacement Card, please call SABB Direct on 800 124 8888 and follow the instructions of the Customer Service representative to obtain a PIN code instantly and easily If the Card is a renewed Card, then you can continue to use your current PIN code The PIN code can be changed easily at any time through any SABB ATM or by calling SABB Direct

    3

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  • How to use your SABB Credit Card atretail Point-of-Sale (POS) terminals*1. The cashier will insert your Card in the chip-card reader of the POS terminal.2. The Card must stay inside the POS terminal during the processing of the purchase transaction.3. Wait until the cashier requests you to enter your PIN.4. Enter your Card PIN and wait for the approval response.5. Once the transaction is approved, collect your sales receipt along with your Card from the cashier.

    4

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    * This method is applied only when the POS terminal supports chip-card technology.If the POS terminal does not support this, then the Card will have to be swipedusing the magnetic stripe.

    Note: Internet transactions do not require the Credit Card PIN code. Instead,they can only be performed by entering the 3-digit Customer Verification Value(CVV) found on the back of the Card.

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  • How to make your card payments

    You can pay in Saudi Riyals using one of the following methods:

    1. Via SABBNET, our Internet Banking Service, at www.sabb.com (SABB accountholders only).2. By contacting SABB Direct on 800 124 8888 (SABB accountholders only).3. Through SADAD service using biller ID 029.4. By wire transfer from any bank to your Card number.5. By providing us with standing instructions in writing, to directly debit your SABB current account, to settle your monthly payment due.

    5

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  • 6. By visiting any of our branches to make a cash payment over the counter or use a Cash Deposit Machine.7. By writing a cheque* in favour of your card account and handing it over at any of our branches or mailing the cheque to:

    SABB, Card Products Division, P.O. Box 69718, Riyadh 11557

    6

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    *Cheque payments should be received by the Bank 7 days before the payment due dateto avoid the late payment fees.

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  • e-statements hdEG G c

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    e-statements provide flexibility, convenience and securityby enabling you to view your monthly SABB Credit Cardstatement online. You can view up to three of your latest statements by downloading them in PDF format or printingthem from SABBNET.

    To access your e-statement, simply:

    1. Log on to your account on SABBNET and then click on the statements/advices field located on the left-hand side of the page.2. Click on e-statement on the drop-down menu.3. Click on the monthly statement you wish to view.

    If you are not registered with the SABBNET service,please go to www.sabb.com for online registration, orcall SABB Direct on 800 124 8888.

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    *The annual percentage rate (APR).

    **To be paid to certified charity organisations.

    SABB Credit Card charges fFG S bH SQ

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    Annual fee Gold VISA/MasterCard Card SAR 350

    Annual fee Classic VISA/MasterCard Card SAR 225

    Revolving credit - on monthly outstanding balance* 28.68%

    (based on transaction date)

    Lost Card replacement SAR 100

    Late payment** SAR 100

    Copy of the sales voucher or statement SAR 25

    Cash advance (on withdrawn amount) SAR 100

    Hotel/airlines/cars vouchers copy SAR 100

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  • Additional benefits

    Share the privileges with your familyIf you wish to extend the benefits of your Card to yourfamily and share its privileges, you can apply for free Supplementary Cards.

    Applicants must be over 15 years of age Monthly spending limit can be specified for each Supplementary CardTo apply, please call SABB Direct on 800 124 8888.

    For your protectionIf you lose your Card, you should immediately inform SABB through one of the following channels*:

    SABB Direct by calling 800 124 8888 within the Kingdom or +966 11 440 8888 from abroad Send the request to the fax number +966 11 402 6375

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  • Cash facilities

    There will be times when you require cash. This could

    happen when you are in the Kingdom or abroad.

    Your SABB VISA and MasterCard Cards will

    enable you to withdraw cash up to 50% of your

    Credit Card limit from over 250,000 financial

    institutions and 1,000,000 ATMs in the Kingdom

    and worldwide.

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  • Card Service Centres

    A network of dedicated Card Service Centres offersservices such as card delivery, card replacement, card activation, re-printing of Card statements, reissuing of ICSABB certificates, advice on due amounts andmany other convenient services.

    Card Service Centre locations:

    Central Region: Riyadh, Al Warood Branch, King Abdulaziz Street Western Region: Jeddah, Al Khaldiyah Branch, Prince Sultan Street Eastern Region: Khobar, Al Agrabiah Branch, Makkah Street

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  • 12

    ICSABB Rewards ProgrammeICSABB is a unique loyalty programme that rewards you forusing SABB Credit Card. We offer one ICSABB point for every SAR 10 spend on your SABB Credit Card (cash advances and SADAD transactions are excluded). Once you collect 1,000 points (equivalent to SAR 100), you will be able to redeem the points instantly by swiping your SABB Credit Card at the Point-of-sale machine installed at the cash counter against free purchases at a wide range of merchant partner outlets Kingdom-wide. The amount can be redeemed in multiples of 100.

    You may also use ICSABB points to pay your SABB CreditCard Annual Fees and benefit from a special discount. Forthe latest ICSABB offers and updated list of participating merchants, please visit our website www.sabb.com orcall SABB Direct on 800 124 8888.

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    Note: The Bank may inform SABB Cardholders about any additions orterminations regarding the participating merchants or amendmentsin the merchants offers in a manner to be decided by the Bank.

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  • Free Credit Protection

    SABB provides you peace of mind with our free of charge Credit Protection feature, it takes care of the burden of your loved ones in the unfortunate event of your total and permanent disability or death by settling the total outstanding balance of your Credit Card. What's more, there are no additional monthly charges levied on you to benefit from this feature.

    SABB is also proud to be the first bank in the Kingdom to provide such a service absolutely free of charge to its customers.

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  • 14

    Limit of protection

    100% of outstanding balance up to SAR 50,000 (Classic Credit Cards)*

    100% of outstanding balance up to SAR 75,000 (Gold Credit Cards)*

    In the event of a claimJust call the SABB Takaful Service Centre on800 126 0006 and submit the relevant documentswithin 60 days of the incident.

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  • 15

    SABB Credit Protection - exclusions GASG - FG S jM

    Primary Cardholders below the age of 18 and above 64 Engaging in or training for any dangerous or hazardous sports, competitions or activities. Hazardous sports or activities may include the following:1. Any form of aerial flight including light aircraft, monoplanes, ballooning, hang-gliding, parachuting, etc.2. Winter sports such as sleighing, ski jumping, ice hockey, etc.3. Water sports such as powerboats, water skiing, jet skiing, diving, etc.4. Horse riding activities such as hunting, jumping, polo, racing, etc.5. Climbing activities such as mountaineering, rock-climbing, potholing, abseiling, etc.6. Participation in any kind of power-vehicle race, rally or competition.7. Judo, boxing, karate, wrestling and other martial arts of any kind.8. Bungee jumping.

    Suicide, attempted suicide or self-inflicted injuries by the Participant, while sane or insane Punishment of the Participant by the due process of law Influence of alcohol, narcotics or drugs The committing, or attempting to commit or the aiding or abetting by the Participant of any unlawful act even if, in doing so, there was no intention by the Participant to cause himself injury or sickness

    Preexisting conditions Engaging in aviation other than as fare paying passenger on a regular route of a licensed scheduled aircraft

    Participants active participation in war (whether declared or not), civil war, insurrection, riot, terrorist act, mutiny, piracy, civil commotion, revolution, military or other acts of violence originating from any political activity, or any loss or damage, cost or expense directly or indirectly caused by, contributed to by, resulting from, or arising out of or in connection with biological, chemical, or nuclear explosion, pollution, contamination and/or fire following thereon HIV infection/AIDS or any venereal disease

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  • Protection Shield

    Purchase protectionYour SABB Credit Card purchases will be automatically

    insured against loss, theft or accidental

    damage of up to SAR 20,000.

    Baggage protectionIndemnity of up to SAR 6,750 for checked-in per...