The 100-Currency Card .. for Travels and More
The multi-currency Travel Card enables its holder to pay in 100 different currencies at best exchange rates with ZERO exchange rate conversion!
You can use the Travel Card in two ways:
- Pre-Paid: You can use the card as a prepaid card by transferring the money from your current account to your travel card balance.
- Credit Card: You can use the card as a credit card, by applying for a credit limit through the bank’s Mobile Application and using the limit to transfer money to your Travel Card.
One card to use in your travels or when shopping online to enjoy faster and safer transactions.
You can issue additional cards for your family members (with linked or separate balances).
Travel Card come with 5 Free Default Currencies:
- US Dollars - USD
- Great Britain Pound - GBP
- Euro - EUR
- Emirati Dirham - AED
- Saudi Riyal -SAR
You can add any of the new additional currencies including:
 Swiss Franc - CHF |
 Bahraini Dinar - BHD |
 Turkish Lira - TRY |
 Canadian Dollar - CAD |
 Jordanian Dinar - JOD |
 Chinese Yuan - CNY |
 Kuwaiti Dinar - KWD |
 Egyptian Pound - EGP |
 Indonesian Rupiah - IDR |
 Moroccan Dirham - MAD |
 Philippine Peso - PHP |
 Indian Rupee - INR |
 Bosnian Mark – BAM |
 Russian Ruble - RUB * Temporarily disabled |
 Australian dollar - AUD |
 Danish Krona - DKK |
 Japanese Yen - JPY |
 Norwegian Krone - NOK |
 New Zealand Dollars - NZD |
 Omani Riyals - OMR |
 Swedish Krona - SEK |
 Czech Koruna - CZK |
 Hong Kong Dollar – HKD |
 Malaysian Ringgit – MYR |
 Tunisian Dinar |
 Belarusian Ruble |
 Cambodian Riel |
 Bulgarian Lev |
 Ethiopian Birr |
 CFA Franc |
 Moldovan Leu |
 Panamanian Balboa |
 Kazakhstani Tenge |
 Vietnamese Dong |
 Kenyan Shilling |
 Gibraltar Pound |
 Mongolian Tugrik - MNT |
 Colombian Peso - COP |
 Central African CFA Franc - XAF |
 The Central Pacific Franc - XPF |
 Peruvian Sol - PEN |
 Eastren Caribbean Dollar - XCD |
 Cayman Island Dollar - KYD |
 Djibouti Franc - DJF |
 Malagasy Ariary - MGA |
 Chilean peso - CLP |
 Zambian Kwacha - ZMW |
 Qatari riyal – QR |
 South African Rand- ZAR |
 Mexican Peso - MXN |
 Polish Zloty - PLN |
 Thai Baht - THB |
 Singapore Dollar - SGD |
 South Korean Won - KRW |
 Azerbaijani Manat - AZN |
 Georgian Lari - GEL |
 Ukrainian Hryvnia - UAH |
 Sri Lankan Rupee - LKR |
 Brazilian Real - BRL |
 Hungarian Forint - HUF |
 Croatian Kuna - HRK |
 Mauritian Rupee - MUR |
 Romanian Leu - RON |
 Taiwan Dollar - TWD |
 Lebanese Pound - LBP |
 Pakistani Rupee - PKR |
 Kyrgyzstani Som - KGS |
 Albanian Lek - ALL |
 Iceland Krona - ISK |
 Maldivian Rufiyaa - MVR |
 Tanzanian Shilling |
 Uzbekistani Som |
 Algerian Dinar |
 Iraqi Dinar |
 Macau Pataca |
 Ugandan Shilling |
 Seychellois Rupee |
 Nigerian Naira |
 Serbian Dinar |
 Ghanaian Cedi |
 Bahamian Dollar |
 Tajikistani Somoni |
 Armenian Dram - AMD |
 Paraguayan guaraní - PYG |
 Brunei Dollar - BND |
 Honduran lempira - HNL |
 Aruban Florin - AWG |
 Salvadoran Colón - SVC |
 Fijian dollar - FJD |
 Rwandan Franc - RWF |
 Jamaican dollar - JMD |
 Papua New Guinean Kina - PGK |
 Uruguayan peso - UYU |
 Nepalese rupee - NPL |
 Macedonian denar - MKD |
 Dominican peso - DOP |
You can also add more than 1 currency at the same time.
Features
Credit Limit
Use the card as a credit card, by applying for a credit limit through SAIB Mobile Application
Online Currency Conversion
No need to visit currency exchange stores any more, you can load and unload your card balance through our Internet Banking, Mobile Application, or Phone Banking.
No Exchange Rate Conversion
When you make purchases with any of the currencies added to your card, no additional exchange rates fees will be applied.
Competitive Exchange Rates
- Fixed USD exchange rate (USD 1 = SAR 3.75)
- Competitive exchange rates for other currencies
Contactless Payment Service
Pay your purchases easily and safely by swiping your card on POS devices at stores.
Apple Pay & mada Pay
Add your Travel Card to Apple Pay & mada Pay wallets and enjoy secured and fast payments inside and outside the Kingdom (in stores and online).
For steps and details about Apple Pay, click here.
For steps and details about mada Pay, click here.
Globally Accepted
Enjoy the flexibility of using your card that is acceptable at more than 30 million merchants.
Additional Cards for Your Family
Issue additional cards for your family members who love shopping and traveling, and let them enjoy the same benefits as yours!
You can request the additional card with a linked balance (sharing the same balance of the primary card) or a separate balance (independent from the primary card).
Full Digital Experience
Unlock the financial credit facilities of your Travel Card by activating the "Credit Limit" via the mobile application .
Benefits
Financial and Security Benefits
Purchase Protection*
Shop with ease of mind. With Purchase Protection, your purchases are insured in case of loss, accidental damage or theft. For details, please click here.
WooW Points
1 WooW Point for every 3 SAR spent locally or internationally
Extended Warranty*
Extended warranty doubles the warranty period offered by the merchant for up to 12 months.
For details, please click here.
Secure online shopping
All transactions done online using any SAIB card is supported by 3D secure (verified by visa) security feature..
Travel and Lifestyle Benefits
The Entertainer
Enjoy incredible experiences with The Entertainer! Download "Xperience with the ENTERTAINER" mobile application and register using your Travel Card to treat yourself to exclusive 2-for-1 deals on food and entertainment in addition to over 5,000 travel discounts.
For details, click here.
Meet and Assist Service at Airports (YQ)*
- Enjoy discounts of up to 20% off retail rates at over 450 destinations globally
- Cardholders can book from here and the discount will be applied automatically
- Services must be booked at least 72 hours prior to your flight
Visa Luxury Hotels Collection
VLHC includes over 900 prestigious properties, providing a premium collection of benefits specially designed to offer an unparalleled experience.
Offers:
- Best available rate
- Automatic Room Upgrade upon arrival
- VIP guest status
- Complimentary breakfast daily
- 3PM check out (upon request)
- Book must be made from here
* Upon availability
Accor Hotel Offers
Enjoy up to 33% off bookings at over 350 Accor hotels across Middle East, Africa, India, and Turkey.*
- To view hotels list, click here
- You can avail this offer by registering in Accor's Loyalty Program "ALL – Accor live Limitless" from here and booking the hotel
* Valid until 30 April 2022
Jumeirah Offers
Enjoy 25% discount when booking a Suite or Villa with your Travel Card:
- 25% off flexible rates
- Daily breakfast
- Unlimited access to Wild Wadi Waterpark for selected hotels
- Access to private beach and kids club
For details, please click here.
DragonPass
Enjoy special offers at more than 200 restaurants at key global airports. Please download the app "Dine & Travel Companion" for more details.
Avis Car Rental Offers
- Up to 35% off on Standard Rates
- Up to 30% off on Retail Rates
For details, click here.
International Medical & Travel Assistance
With Travel Card, you can travel the world knowing that you will be in good hands:
- Telephone medical consultation
- Medical service provider referral
- Medical condition monitor before and after hospitalization
- Essential medicine and equipment delivery
For details, call +971(4)2536024
Fees
| General Fees (Whether the credit limit is active or not) | ||
|---|---|---|
| Issuance fee | SAR 100 | |
| Renewal fee | SAR 75 | |
| Replacement fee | SAR 50 | |
| Chargeback fee | SAR 50 | |
| Cash withdrawal fee |
|
|
| Transfer (load/unload) fee | No transfer fee | |
| Foreign Currency Mark-up | 2% | |
| OIF for non-sufficient balance on the added currencies | 1% Debited from USD wallet | |
| Special Fees (If the credit limit is active) | ||
| Tawarruq Profit Rate | 2.49% | |
| Late Payment Fees | SAR 100 | |
| Dispute Fees (False Dispute) | SAR 50 | |
| Issuance fee | SAR 100 | |
| Foreign Currency Mark-up | 2.75% | |
| Minimum Payment Due | 5% or SAR 100 (whichever is higher) | |
Calculator
For exact figures, please contact Flexx Call contact center at 800-124-8000
or visit the nearest SAIB Branches.
All credit cards are subject to credit approval.
Example
| EXAMPLE OF TAWARRUQ CALCULATION: | |
|---|---|
| Due amount | SAR 7,000 |
| The minimum payment 5% | SAR 350 |
| Revolving unpaid balance amount | SAR 7,000 –SAR 350 = SAR 6,650 |
| Tawarruq profit rate of 2.49% (monthly) on the revolving amount | 6,650 * 2.49% = SAR 165.59 |
| The total outstanding balance will be added into the revolving unpaid balance | (165.59 + 6,650) = SAR 6,815.59 |
FAQs
Are there any conditions for obtaining the card?
The card is available for all SAIB account holders.
How can SAIB customers apply for this card through E-channels?
- Login to internet banking or mobile application
- Go to cards section then click on Travel Card
- Since it is a new card request, click on the “Card Request” option
- Once you approve the T&C, an issuance fee of SAR100 will be debited from your account. After that, your request will be processed immediately
- Once you receive your card, you should activate your card through internet banking or Mobile Application or by calling Phone Banking at 8001248000 (if within the Kingdom of Saudi Arabia) or +96114183100 (if overseas)
Is it the first multi-currency card in the Kingdom of Saudi Arabia?
Yes, it is the first low limit multi-currency credit card launched in the Kingdom of Saudi Arabia which can be loaded with 100 different currencies to avoid the exchange rate fees.
How can I get a Travel Card?
Both primary and supplementary cards can be requested through internet banking or Mobile Application and the card will be delivered via courier with 5 business days. You may also issue it instantly through the self-service machine in the nearest SAIB branch
Are there any conditions for obtaining the card?
The card is available for all SAIB account holders.
How can SAIB customers apply for this card through E-channels?
- Login to internet bankinnew-acc.jpegg “Flexx Click” or mobile application “Flexx Touch”
- Go to cards section then click on Travel Card
- Since it is a new card request, click on the “Card Request” option
- Once you approve the T&C, an issuance fee of SAR100 will be debited from your account. After that, your request will be processed immediately
- Once you receive your card, you should activate your card through internet banking “Flexx Click” or mobile application “Flexx Touch” or by calling phone banking “Flexx Call” on 8001248000 (if within the Kingdom of Saudi Arabia) or +96114183100 (if overseas)
Is it the first multi-currency card in the Kingdom of Saudi Arabia?
Yes, it is the first low limit multi-currency credit card launched in the Kingdom of Saudi Arabia which can be loaded with 100 different currencies to avoid the exchange rate fees.
How can I get a Travel Card?
Both primary and supplementary cards can be requested through internet banking or Mobile Application and the card will be delivered via courier with 5 business days. You may also issue it instantly through the self-service machine in the nearest SAIB branch.
Can I issue a Travel card for my family members?
More than one Travel Card can be requested for your family members, which will be linked to your account and controlled by main account holder.
How will I benefit from the Travel Card?
Whether I travel often or have a family member who travels often or lives abroad, the Travel Card will help me save significant amounts of money and avoid unnecessary exchange rate fees.
What is the card credit limit?
The card is issued with a credit limit of 1 USD.
Are there any fees for loading funds to the Travel Card?
No fees when loading your card.
Are there any fees for unloading funds from the Travel Card to my SAIB account?
No fees when unloading your card.
How easy it is to load your Travel Card?
No need to visit currency exchange stores any more, Travel Card enables cardholders to load fund to their card through SAIB internet banking “Flexx Click” or mobile application “Flexx Touch” and phone banking “Flexx Call” service.
Are there any fees for adding currencies to the Travel Card?
Yes, there is a fee of SAR 25 for each additional currency as a onetime fee only.
How can I add new currencies to the card?
- Login to internet banking “Flexx Click” or mobile application “Flexx Touch”
- Go to cards section then click on Travel Card
- Select adding additional currencies and choose the desired currencies
- After confirming the currencies, a fee of SAR 25 will be charged for each currency added and your request will be immediately processed
Can I use my card in countries that don’t accept one of the currencies in the Travel Card?
Yes, you can use the card around the world and the amount will be exchanged from the original currency to USD.
Can I use this card within the Kingdom of Saudi Arabia?
Yes you can.
Can I unload money back to my SAIB account?
Yes, you can unload money back into your SAIB account for free.
How long does it take to approve the card request?
Your request will be approved immediately as there is no need to check your credit history.
What is the daily cash withdrawal limit?
You can withdraw up to USD 2,500.
What is limit to purchase through POS or online?
There is no limit; you can use the all available amount in the card.
What is the maximum load amount?
The maximum load amount is USD 100,000 or it is equivalent in other currencies. This limit will be covering in all added currencies. You can load again at any time after using the amount.
What if I forget my PIN?
You can view your PIN easily through the Travel Card page in the Internet Banking or Mobile Application.
Are my online transactions secured?
All transactions done online using any SAIB card is supported by 3D secure (verified by visa) security feature.
What online services do I get for Travel Cards?
- View card balances per wallet/currency
- View transactions history
- Load your card with various currencies from your SAIB account
- Unload funds from each wallet to your SAIB account
- Access 24/7 and emergency assistance for lost or stolen cards
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 8001248000 (if within the Kingdom of Saudi Arabia) or +96114183100 (if overseas) to block your card and request a replacement card to be sent to you within 5 business days.
You can block the card temporarily or permanently through our mobile application, internet banking, or the phone banking service at: 8001248000
How can I know the WooW points earned using my Travel Card?
You can know more about the points earned by using WooW calculator by choosing the type of transaction and the number of points earned will appears, click here to use the calculator.
