User Guide

SABB Advance Visa Platinum Credit Card

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Welcome kMe
Welcome to the world of the Shariah-compliant SABB Advance e aGG fFG JdG Ga f"OCG S bH Y `a H kMe
Visa Platinum Credit Card. Its a world that enables you to make e e Jje b jJ e dGh eSEG jdG MCG
purchases easily, without the need to carry cash.
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This guide explains how to use the Card and describes its various
features, while answering most of your queries about the Card. gjGe d jh bd eCG GSG Y ddG Gg cYS
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The guide will also highlight the global recognition and benefits
youll receive with your SABB Advance Visa Platinum Credit Card bH Mj dG dG MdGh jGG kjCG ddG Gg d VS
at all HSBC branches worldwide. .dG M HSBC ha L id fFG JdG Ga f"OCG S
For further information, please call the SABB Advance Hotline :d G f"OCG S Jg Y JG Lj ,eG e j
on: 800 124 8666 or +966 1 440 8666 from outside the Kingdom.
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2

More secure with SABB Advance Visa Platinum fFG JdG Ga f"OCG S bH e cCG eCG
Credit Cards CG e kfeCG cCG cP bH g fFG JdG Ga f"OCG S bH
SABB Advance Visa Platinum Credit Card is more secure than
ever with the embedded microchip that provides a high level of
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security and convenience since the data stored inside the chip j Ie fH g fhdEG jdG `a fG fda ,eCGh
is encrypted, preventing fraudulent use of the Card. In addition dG bdG e bdG GSG BG j fEa ,dd aVEH .gjhJ
to this, a Credit Card PIN code will have to be used along with e cCdG j dd .jdG HdG AGLE hCG jG OGd H UG
the Card to pay for all purchases and for cash withdrawals. e J M bdG SG Qa S bQ Y Gh bdG J
Please make sure to activate your Card and to get a PIN code as
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soon as you get the Card so you can enjoy all of the benefits it
provides.
 3

How to get a PIN code for your SABB Advance Visa JdG Ga f"OCG S bd S bQ Y c
Platinum Credit Card fFG
If this is a new or a replacement Card, please call the SABB S Jg Y JG a ,jH hCG IjL bdG fc GPEG
Advance Hotline on 800 124 8666 and follow the
instructions of the Customer Service representative to obtain d dPh AdG eN Xe J JGh 800 124 8666 f"OCG
a PIN code instantly and easily dS Hh jQa jH dG bdG Y
If the Card is a renewed Card, then you can continue using G dG bdG GSH QGSG G a IO bdG fc GPEG
your current PIN code
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The PIN code can be changed easily at any time through any f"OCG S Jg Y JH hCG S `d
SABB ATM or by calling the SABB Advance Hotline
 4

How to use your SABB Advance Visa Platinum Credit fFG JdG Ga f"OCG S bH J c
Card at retail outlet Point-of-Sale (POS) terminals* *jQdG G id dG f ILCG `a
The cashier will insert the Card in the chip-card reader of the
POS terminal
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The Card must stay inside the POS terminal during the FGdG dG Ia GW dG f RL NGH bdG J CG j
processing of the purchase transaction dG bQ NOEG FdG e j M fG
Wait until the cashier asks you to enter your PIN dG Y aGG RG Vj M fGh bd dG bdG NOCG
Enter your Card PIN and wait for the approval response FdG e bdG EG aVEH dG jEG NCG ,dG b Y
Once the transaction is approved, collect your sales receipt
along with your Credit Card J Yj dG f RL c M `a a g GSG jW J*
*This method is applicable only when the POS terminal supports chip card
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technology. If the POS terminal doesnt support it, then the Card will have to be .WG jdG L e bdG j jW Y dG jdG
used by swiping the magnetic stripe. bdH UG dG bdG NOE ffEG T Y FGdG dG :Me
Note: Internet transactions do not require the Credit Card PIN code. Instead, they .fFG bdG N YGh jdG bQCG KdG NOEG j dP e k Hh fFG
can only be performed by entering the 3-digit Customer Verification Value (CVV)
found on the back of the Card.
 5

For your protection j

If you lose your Card, you should immediately inform SABB FSdG iMEG jW Y ITe S HEG Y Lj ,bH Ga Y
through one of the following channels*:
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SABB Advance Hotline by calling 800 124 8666 within the
Kingdom or +966 1 440 8666 from abroad NGO e 800 124 8666 Y JG jW Y f"OCG S Jg
Send the request to fax number +966 1 402 6375 G QN e +966 1 440 8666 hCG G
+966 1 402 6375 bQ cdG Y dG SQEG
*Transactions that happen before reporting the lost Card will be charged to
the customer.
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6

How to make your jJ `c

card payments bdG ahe
You can pay in Saudi Riyals using one of the following :ddG dG iMEH OdG jdH jdG feEH
methods: www.sabb.com bG N e f S jW Y .1
1. Via SABBNET at www.sabb.com
2. By calling the SABB Advance Hotline on 800 124 8666.
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3. Through SADAD service using biller ID 029. ."029" JG bQ GSH OGS eN jW Y .3
4. By wire transfer from any bank to your card number. .bdG bQ EG G `a NBG H id M CG e jdG .4
5. By providing us with standing instructions, in writing, to e ITe d FGdG dG eN jW Y k Hc eYEG .5
directly debit your SABB account to settle your monthly .G G S `a HM
payment due.
6. By visiting any of our branches for cash payment over the
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counter or using the cash deposit machines available at .dG GjEG RL

branches.
7

7. By writing a cheque* in favour of your Card account and ,dG Ia IYGe e bH M dd *T j .7

handing it over at any of our branches or by mailing the :EG jdH dSQEG hCG ,S ha e a C Jh
cheque to:
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SABB, Card Products Division, P.O. Box 69718, Riyadh 11557
*Cheque payments sent by mail should be received by the Bank 7 days before the
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payment due date to avoid late payment fees. .NCdG SQ aO q d adG SG jQJ e jCG 7 b d
8

e-statements hdEG G c
e-statements provide flexibility and security by enabling you to VGSG feEG N e eCGh fhG hdEG G c aj
view your last three SABB Credit Card statements online. hCG G c VGSG h .ffEG SGH TCG S NBG ac
You can view your statements, save them in PDF format or print .YW hCG PDF H M
them.
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To access your e-statement, simply:
1. Log on to your account on SABBNET and then
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click on the statements/advices field located .dG e CG fG `a OLG
on the left-hand side of the page. .FdG e "hdEG c" Y VG .2
2. Click on e-statement on the drop-down menu. .VGSG OJ dG dG G c Y VG .3
3. Click on the monthly statement you wish to view.
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If you are not registered with the SABBNET service,
please log on to www.sabb.com for online registration,
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or call the SABB Advance Hotline on 800 124 8666. .800 124 8666 f"OCG
9

Cash facilities dG dG
Getting cash advances and access to your account T``G UdGh ``j`dG HdG Y G
with SABB S `a `HM EG
There will be times when you require cash. This could happen
when you are in the Kingdom or abroad.
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Your SABB Advance Visa Platinum Credit Card will enable you to dG dG feEG fFG JdG Ga f"OCG S bH d J
withdraw cash up to 50% of your credit limit from over 250,000 e cCG N e dPh fFG bd FG G e %50 M
financial institutions and 1,000,000 ATMs in the Kingdom and `a BG GU RL 1,000,000 e cCG EG k aVEG ,de SDe 250,000
worldwide. .dG Mh G
10

Charges SdG
Annual fee Free kf dG SdG
Tawarruq profit margin on the outstanding balance* 28.68% %28.68 *FdG UdG Y QdG Y HQ eg
Late payment penalty fee** SAR 100 OS jQ 100 **OGdG Y NCdG eGZ
Cash advance fee SAR 100 OS jQ 100 dG dG SQ
Lost or stolen card reissuance SAR 100 OS jQ 100 GdG hCG bdG dM `a GSG
Supplementary card Free kf aVEG bdG
Copy of sales voucher or statement SAR 25 OS jQ 25 jG hCG G c e f
Copy of sales voucher jG jEG e f
Airlines/travel agencies/cars rental/hotels SAR 100 jQ 100 OdG /GQdG LCJ /dG ch /GdG N
All other SAR 25 jQ 25 iNCG

*The annual percentage rate (APR). .bJG G dG HdG eg*

** To be paid to certified charity organisations. .NG jG d aoJ**
11

Additional benefits aVEG Ge

Share the SABB Advance Visa Platinum Credit Card JdG Ga f"OCG S bH Ge FY QT
privileges with your family for free kf fFG
If you wish to extend the benefits of your account to your family
and share the privileges of your SABB Advance Visa Platinum
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Credit Card, you can apply for free supplementary cards. JdG Ga f"OCG S bH GReGh FGa cQe FY eEa
Applicant must be over 15 years of age .kf aVEG bH Y G jW Y fFG
Monthly spending limit can be specified for each keY 15 Y G Y j CG j
supplementary card e d dG FG G j
To apply, please call the SABB Advance Hotline on 800 124 8666.
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12

ICSABB
Rewards Programme Bad "cEG" efH
ICSABB is a unique loyalty programme that rewards you just bH eGS aj ja Bae efH Y IQY g "cEG" efH
for using your SABB Advance Visa Platinum Credit Card. We He IMGh "cEG" f S .fFG JdG Ga f"OCG S
give you one ICSABB point for every SAR 10 you spend on
your Credit Card (cash advances are excluded). Once you collect
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1,000 points, we will mail you one ICSABB Certificate* worth jQ 100 b jdH *"cEG" b d Sf S ,f 1,000
SAR 100. This certificate can be redeemed for free shopping at e Ic Y id f jc eGSG M OS
a wide range of leading, participating merchants** across the .G ie Y IFGdG **jQdG G
Kingdom.
13

For the latest ICSABB offers and updated participating ,cQG jQdG G Fbh "cEG" efH VhY NBG Y d
merchants, please visit our website www.advance.sabb.com or Y JG hCG www.advance.sabb.com hdEG be IQjH GJ
call the SABB Advance Hotline on 800 124 8666.
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Notes: * Expired and lost ICSABB Certificates cannot be reissued.
**The Bank may inform SABB Cardholders about any additions or terminations MdG G hCG IOG FdG QGUEG IOYEG * :Me
regarding the participating merchants or amendments in the merchants offers in a hCG aVEG j dG jQdG G Y fFG S bH eM HEH dG j b**
manner to be decided by the Bank.
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Medical and legal referral ffdGh dG dMEG

A phrase book isn't the best way to ensure a sound medical c ,S W J Y d eCG jdG d G e
diagnosis - or to give you the upper hand in a legal dispute. Give SQ d H JG dh .fb Gf CG `a G d fCG
us a call and we'll put you in touch with a trusted ISO-audited
medical practitioner or a legal professional who speaks your
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language. GAGLEGh JG jhYh eG e jh .jGd Gk Le fOCG S
Below is the summary of benefits. For more information, :bG IQjR Lj MCGh hdGh
contacts, procedure and Terms and Conditions, please visit :jEG d
English: http://www.visacemea.com/wv/platinum/vpp/medical.jsp
http://www.visacemea.com/wv/platinum/vpp/medical.jsp
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Arabic:
http://www.visamiddleeast.com/wv/premium/platinum/ http://www.visamiddleeast.com/wv/premium/platinum/
medicalAndLegal.jsp medicalAndLegal.jsp
15

Telephone medical advice JdG Y W Ff

Medical service provider referral W eN e EG dMEG
Monitoring of a medical condition during and after G `a ebEG Hh AKCG W dM bGe
hospitalisation
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Delivery of essential medicine or equipment
Despatch of physician W SQEG
Guarantee of hospital admittance deposit G Nd G G V
Arrangement of emergency medical evacuation AiQdG dG ANEG JJ
Arrangement of emergency medical repatriation d WdG EG FQdG IOdG JJ
Arrangement of transportation of mortal remains aG L f JJ
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Arrangement of transportation to join a cardholder bdG eM Ad T d JdG

Arrangement of return of children WCG IOd JdG
Inoculation and visa requirement information GdG e ee
Legal referral
Interpreter referral ffdG dMEG
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Unique merchant offers
To view a full set of available offers, please visit Ija jQ VhY
English:
http://visacemea.com/wv/platinum/main.jsp IQjR Lj IaG VhdG e edG YG VGS
Arabic: :jEG d
http://www.visamiddleeast.com/uv/promos/dining.jsp http://visacemea.com/wv/platinum/main.jsp
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http://www.visamiddleeast.com/uv/promos/dining.jsp
17

Protection
Purchase Protection
Purchase Protection provides short-term insurance protection
against theft and specified causes of accidental damage, for
purchases made with a SABB Advance Visa Platinum Credit Card.
If an item covered by purchase protection (whether its the
cardholders own property or has been given as a gift) is stolen or
damaged, benefits will be paid subject to the Terms and
Conditions.
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18

The following table illustrates the benefits associated :jG jH UG jGG Vj dG hG

with the Purchase Protection:

Description Coverage dG UdG

Compensation limit per
USD 20,000
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365 days period
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Limit per incident up to 90 days QhO 5,000 AGdG jQJ e
USD 5,000
from the date of purchase
Single article max. limit USD 1,500
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Single article min. limit USD 100
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Per item excess USD 50 QhO 50 `aVEG H d
19

Extended Warranty dG j
The Extended Warranty from SABB Advance Visa Platinum k FJ YJ fFG JdG Ga f"OCG S bH e dG Ia
Credit Cards automatically doubles the original manufacturer's IGe dG J CG H) Gk T 24 M UCG q G V Ie
warranty up to 24 months from the date the item is purchased
(provided the item was bought using your SABB Advance Visa
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Platinum Credit Card), whether its for your own use or bought hCG J FdG hCG q G j GPEG .jg hCG dG GSd fc
as a gift. If the retailer or manufacturer won't repair or replace .H JG a ,YdG GSG
your purchase, just give us a call.
20

The following table illustrates the benefits associated :dG jH UG jGG Vj dG hG

with the Extended Warranty:
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Description Coverage
QhO 5,000 j 365 Ia N jdG M
Compensation limit per
USD 5,000 MGdG d YCG G
365 days period QhO 1,500
Single article max. limit USD 1,500 UCG dG Ia V jdG Ia
Doubles the original bCG c Gk T 24 M
Extension period manufacturers warranty period
up to a max. of 24 months `aVEG H d
QhO 100
Per item excess USD 100

Baggage protection eCG jM

Indemnity of up to SAR 6,750 for checked-in personal baggage ,NCJ Y jc OS jQ 6,750 e M dG S
if delayed, lost, stolen or destroyed during the journey. .dG AKCG eCG J hCG Ga
21

Summary of cover dG Le
Purchase Protection jG jM
Purchase Protection provides coverage against loss or damage that
occurs within 90 days of the date of purchase. No registration of the
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purchase is necessary. If you need to find out the value of an item for a Lj ,dd dG b ae c GPEG .dG J QhdG e
claim, simply contact the SABB Advance Visa Platinum Credit Card jG J .fFG JdG Ga f"OCG S bH AY eN Y JG
Customer Service Unit. Protection is subject to an excess of USD 50 (or .dM hCG S d (G dH Hj e hCG) QhO 50 aVE
the equivalent in local currency) for each item and occurrence.
Your payout is also subject to any other applicable policies or
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indemnities you may have. If other guarantees are in place, protection dG M G Z G Y a J jG Ea iNCG fV g
is limited only to the amounts not protected and up to the original g .ge jM GMCG e M CH Gg jG V j d .d UCG
purchase price. In no event will this guarantee apply as contributing jdGh fdG `a IOLG jQdG dG hT L RhJ jG
protection. This protection is in excess of all other valid and collectable
clauses found in other guarantee or indemnity language.
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Extended Warranty dG j
Items are protected up to the values shown in the Terms and hCG GdG hM j .MCGh hdG `a IQcG dG M dG J j
Conditions. The loss or damage must occur within 30 days of the date jG J .dG J QhdG e d ,AGdG e k ej 30 N dG
of purchase and no registration of the purchase is necessary. Warranty
.S d (G dH Hj e hCG) QhO 100 Fd
22

is subject to an excess of USD 100 (or the equivalent in local currency) eH UN jJ CG hCG d Hb iNCG dH C jdG j c
for each item and occurrence. Its also subject to other applicable .bdG
policies or indemnities the cardholder may have.
If other guarantees are in place, protection is limited only to the M G Z G Y a J jG Ea iNCG fV g fc GPEG
amounts not protected and up to the original purchase price. In no .d UCG dG
event will this guarantee apply as contributing protection.
This protection is in excess of all other valid and collectable clauses
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found in other guarantee or indemnity language. jdGh fdG `a IOLG jQdG dG hT L RhJ jG g
Claim process .iNCG
Making a claim is easy and can be done in four easy steps:
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Step 1: :GN HQCG `a H dG h S dG Y
Call the claims administrator refer contact details below
Tell the operator you would like to make a Purchase :hCG IG
Protection or Extended Warranty insurance claim SCH JG Ud LdG - dG X JG
They will ask you for your Advance Visa Platinum Credit Card J de jM j hCG J AGT jJ fCH JdG Xe NCG
number, so have it ready H UG JdG Ga f"OCG S bH bQ XG e S
Step 2: The appropriate claim form is sent for you to complete. ke ga
23

Step 3: You submit the claim form to the claims administrators .dcE d SG dG P SQEG S :fdG IG
for processing together with the receipts for the transactions or
your Visa Credit Card statement.
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Step 4: If the claim is approved, the claims administrator will
pay the funds into your nominated account. GjEH dG Xe S ,dG Y aGG GPEG :HGdG IG
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Protection Helpline IYG bQCG
From outside of Saudi Arabia +44 (0) 203 284 1111 jOdG HdG G QN e
For general enquiries visametravelinsurance@axa-travel-insurance.com edG GQSd
For claims claims@axa-assistance-claims.com dd
For complaints customer.support@axa-travel-insurance.com ihd
24

More information eG e jG
For more information, please visit: :IQjR Lj ,eG e jd
English:
http://visacemea.com/wv/platinum/main.jsp;
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http://visacemea.com/wv/platinum/main.jsp;
Arabic:
http://www.visamiddleeast.com/wv/premium/platinum/purchase
:HdG d
Protection.jsp http://www.visamiddleeast.com/wv/premium/platinum/purchase
Protection.jsp
Terms and Conditions
Please log in to www.sabb.com to read the Terms and :MCGh hdG
Conditions of these features. IH UG MCGh hdG IAGd www.sabb.com Y NdG Lj
.eG
25

Baggage protection eCG jM

Summary of benefits jGG Le
Eligible persons
Holders of a valid SABB Advance Visa Platinum Credit Card issued by SABB, their spouse and 3
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children up to 18 years (23 years if in full-time education)
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.(ec GhH SGQdG M `a S 23) S 18
Insured journey
In order to be considered an insured journey, the total travel fare incurred by the Cardholder in respect seDG MdG
of himself and other insured persons accompanying the Cardholder should have been charged to UTCdh d dH bdG eM b e YaG dG bH b LEG j CG j eDe MdG J d
his/her SABB Advance Visa Platinum Credit Card. .G jQS fFG JdG Ga f"OCG S bH Y b b bdG g e aGG jNBG eDG
Delayed baggage allowance
Indemnity for the costs of emergency purchases in case personal luggage which is checked-in and in
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the custody of the commercial airline fails to arrive within 10 hours after the Cardholder has reached his
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scheduled destination. This includes essential clothes and personal care products only. jdG eh SSCG HG Jh .OG dG EG bdG eM Uh H YS 10 N UJ `a Jh
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Lost baggage allowance
Indemnity for checked-in personal baggage lost, stolen or destroyed during an insured journey. eCG Ga jJ
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Limit of indemnity
Delayed baggage jdG OhM
Up to a maximum of SAR 938 for the Cardholder or SAR 1,875 for the Cardholder and his family*.
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Lost baggage .*FYh bdG e OS jQ 1,875 hCG bdG e OS jQ 938 EG J
Up to a maximum of SAR 3,375 for the Cardholder or SAR 6,750 for the Cardholder and his family*.
In the event of a claim eCG Ga
Written proof of claim must be given for processing within 30 days from the date of the incident for .*FYh bdG e OS jQ 6,750 hCG bdG e OS jQ 3,375 EG J
domestic travel and 60 days from the date of the incident for international travel including the
supporting documents required**.
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26
Exclusions GASG
Travel on a non-commercial carrier or ticket not purchased using a SABB Advance Visa Ga f"OCG S bH SGH IcdG AGT j M `a hCG Q Z bf e j dG dG
Platinum Credit Card
Hand (cabin) baggage
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Loss caused by or resulting from breakage of brittle or fragile articles IFdG IQe NGO EG e aG gNCj dG eCG
Loss as a result of the Cardholders negligent acts or omissions d HdG hCG dG OGG Y dG hCG H j dG FG
Automobiles, automobile equipments, boats or other vehicles or conveyances, trailers CG hCG gEG H bdG eM Y dG FG
and motor bicycles LGQdG ,cG ,GQG ,iNCG HdG hCG QGdG ,GQdG Ge ,GQdG
Household effects and furnishings, antiques and collectors items (IG PdG J) jGc j dG dG ,jKCG dG ,G KCG
Eyeglasses, sunglasses, contact lenses, artificial teeth, dental bridges, hearing aids, dG GhOCG ,SCG QL ,YUG dG ,UdG SdG ,dG GQdG ,dG GQdG
prosthetic limbs, prescribed medication dG UdG ,jdG YdG GWCG ,IYG
Keys, Credit Cards, travellers cheques, tickets of any kind, negotiable instruments, e hGd HdG jQdG GQhCG ,YGfCG H cGdG ,MdG dG ,fFG bdG ,JG
bullion, rare or precious coins, cash or its equivalent
Professional or occupational equipment or property, whether or not electronic business M `a eh dG ,dG ,dG QMCG ,FdG ,f CG
equipment, telephones, computer hardware or software ,fdG ,fhdEG dG Ge J hCG T AGS XdH bY d dG hCG aGMG GG
Plants, animals GH hCG BG SG OY
Consumables fGG ,JdG
Perishables cSG OGG
There is no coverage for theft or damage caused by fraud, abuse, vermin, alteration dG jS OGG
(including cutting, sawing, shaping), war or hostilities of any kind (for example invasion, rebellion, ,dG j) dG ,aBG ,SG AS ,GG Y dG QdG hCG bd J dg j d
or insurrection), terror, confiscation by any government, public authority or customs official, items
of contraband, losses arising from illegal activities or acts, normal wear and tear, radioactive
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contamination, natural disasters (including but not limited to flood, hurricane or earthquake), ,eY S hCG ,eM CG b e IQOG ,gQEG ,(OdG hCG MG c) fc f CG e GhGdGh hG
mysterious disappearance (mysterious disappearance means the item vanishing in an unexplained ,YTEG dG ,dGh OdG dG hCG cBdG ,ffdG Z aCGh WdG Y dG FG ,HG dG
manner marked by the absence of evidence of the wrongful act of another) or inherent product j edG GdG) edG GdG ,(RdG hCG UYCG ,fdH IOh Zh J) dG OGG
defect eCG hCG dG `a UCG G hCG (ddG ANG Mjh d Hb Z jH eCG GhR H
Jewellery or any object made of gold or platinum, as well as pearls or precious stones. e YG G hCG dG QMCG hCG DdDdG hCG JdG hCG gdG e e e CGh GgG
Silver objects used for personal adornment are also considered to be jewellery. dG jd eGh dG
Important
This summary is issued for the Cardholders information only and is not a contract of insurance. It is eg Me
subject to the Terms and Conditions of the respective policy, a copy of which is available for sight on dGh bdG GP ddG MCGh hd jh .eCJ Y j h ,a bdG eM WME G Gg QU
reasonable request from SABB. Any endorsement or amendments to the policy shall be binding e QNEG hH ee ddG Y jJ hCG G jCG Sh .`S id dG M e IQU Y WG
without prior notice to the Cardholder. .bdG e
*Terms and Conditions apply. .ddG MCGh hT J *
**Claim form can be downloaded from our website www.sabb.com www.sabb.com hdEG S be e dG P eEH**
27

Free Credit Protection kf fFG jM

SABB provides you peace of mind with our free of charge Credit VJ M `a fFG jG QO e dG MGQ d af S `a f
Protection shield, it takes care of the burden of your loved ones UQ Y edG eCdG dG N e ,(G Qb ) Le O
in the unfortunate event of your total and permanent disability or AYCG j ,FGdG dG dG hCG IadG dM `a fFG bH
death by settling the total outstanding balance of your Credit
Card. What's more, there are no additional monthly charges
SQ CG hH kf eG S dP EG aVEG .FMCG Y dG
levied on you to benefit from this feature.
.jT aVEG
Limit of protection fFG dG OhM
100% of the outstanding balance up to SAR 75,000
.OS jQ 75,000 M dG fFG bdG UQ LEG e %100
Note: Credit Protection is limited to an aggregate limit of SAR 100,000 on all types
j dG bdG GfCG ac Y OS jQ 100,000 LEG fFG dG J :Me
of Credit Cards held by the Primary Cardholder. .bdG eM H

In the event of a claim dG dM `a

Just call the SABB Takaful Service Centre on 800 126 0006 and Jh 800 126 0006 (aJ S)AdG eN ce Y JG
submit the relevant documents within 60 days of the incident. .KOG jQJ e kej 60 N HG FKdGh GG
 28

Utility Bill Payment Service edG eG JGa OGS

SABB Credit Card enables you to settle your SADAD utility bills* dPh *OGS edG eG JGa OGS feG fFG S bH
through SABB Direct SABBNET and SABB ATM channels. JeN) f S hCG (JdG Y aG JeN) cjGO S N e
Paying your utility bills through your SABB Advance Visa
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Platinum Credit Card will have the following advantages:
Benefit from interest-free credit period (maximum 55 days) :ddG jGG S JGdG OGd fFG JdG Ga f"OCG
Your bill payment transactions will appear on your monthly .k ej 55 EG J dGh bdG e OGd dG Ia e IOSG
Credit Card statement along with other Card transactions. EG aVEH bdG GSH IG dG JY L VGSG
aG dG bdG M c N e dPh edG eG JGa
*Payments related to the Ministry of Interior e.g. traffic fines, as .k fhdG
well as SABB payments e.g. EasyBuy instalments, will continue
to be excluded from this service and can be paid only using the jQhG dG :e "NGdG IQGRd HdG YaG" CG Me Lj*
debit account. Also, ICSABB points are not awarded for the Ie S FGdG dG bCG ,e "d HdG YaG"h
utility bill payment transactions through this service. jW Y a gjJ h fFG S bH GSH gjJ h
jJ d "cG" f ,dd aVEH .QNOG hCG QG G
.eG g jW Y eG JGa
 29

Credit Protection FG jM
Exclusions GASG
Primary Cardholders below the age of 18 and above 64 S 64 Y jJh S 18 Y gQYCG J jdG SSCG fFG bdG eM
Engaging in or training for any dangerous or hazardous sports, VjdG .N hCG eBG Z f hCG ,He ,VjQ jCG Y QdG hCG `a cQG
competitions or activities. Hazardous sports or activities may include
the following:
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1. Any form of aerial flight including light aircraft, monoplanes, ,ddH GdG ,YGdG GdG ,G GdG keT G GdG e f CG .1
ballooning, hang-gliding, parachuting, etc. dEG ...TGQdH dGh
2. Winter sports such as sleighing, ski jumping, ice hockey, etc. dEG ...dG cdG ,dG dG ,G Y ddG e jdG VjdG .2
3. Water sports such as powerboats, water skiing, jet skiing,
dEG ...dG ,cH ddG ,AG Y ddG ,QGdG bS e FG VjdG .3
diving, etc.
4. Horse riding activities such as hunting, jumping, polo, racing, etc. dEG ...dG ,ddG ,dG ,dG e G cQ Wf .4
5. Climbing activities such as mountaineering, rock-climbing, pot dGh dG ,dG SG ,QdG J ,G J e dG Wf .5
holing, abseiling, etc. dEG ... H
6. Participation in any kind of power-vehicle race, rally or competition
.dG aG hCG dGdG AGS cd S CG `a cQG .6
7. Judo, boxing, karate, wrestling and other martial arts of any kind
8. Bungee jumping. .dG a e a CG hCG ,YQG ,JGQdG ,cG ,hOG VjQ .7
.JG e H dG .8
 30

Suicide, attempted suicide or self-inflicted injuries by the Participant, CG hCG d dG H j dG HUEG hCG JGdG iPCG hCG QfG dh ,QfG
while sane or insane dP Z hCG kbY d eDG c AGS dH dh
Punishment of the Participant by the due process of law fdG b e dG be
Influence of alcohol, narcotics or drugs
The committing, or attempting to commit or the aiding or abetting by HT eh GQG hCG ,dG KCJ
the Participant of any unlawful act even if, in doing so, there was no dG j dh M fd d Y CH dG Y IYG hCG dG dh hCG dG
intention by the Participant to cause himself injury or sickness VG hCG HUEG `a dG dP e
Preexisting conditions eCd HdG G
Engaging in aviation other than as a fare paying passenger on a
regular route of a licensed scheduled aircraft `a dG ae Q Qe `a kGae dG a j dG dG Y GY MG
Participants active participation in war (whether declared or not), civil Neh dh MQ
war, insurrection, riot, terrorist act, mutiny, piracy, civil commotion, ,HGVG ,IQK ,gCG M ,(e Z hCG e fc AGS) M `a dG cQe
revolution, military or other acts of violence originating from any CG hCG ,jY/HM YCG ,Ub ,HgQEG YCG ,jY YCG ,e Y ,O
political activity, or any loss or damage, cost or expense directly or
indirectly caused by, contributed to by, resulting from, or arising out
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of or in connection with biological, chemical, or nuclear explosion, e c hCG jM J AGS dH bY d hCG ,M hCG ,Fc ,hf QfH
pollution, contamination and/or fire following thereon SJ Ve CG hCG RjEH ihdG
HIV infection/AIDS or any venereal disease
 31

SABB AQSAT bCG S

With SABB AQSAT youre offered the convenience of paying JY b jJh e c AGT "bCG S" efH e BG
for your large-value transactions in equal and affordable
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q bCH FGdG
instalments with profit rates of only 18%. You can now transfer
eligible transactions to SABB AQSAT, selecting the most
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convenient repayment term to suit your budget.
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Key features
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Applies to any purchase transaction of over SAR 1,000 made .fG
on your Primary or Supplementary cards
Absolutely no restrictions on the products you can purchase FdG jGG
within the Kingdom or worldwide (excluding cash advances) J cCG hCG OS jQ 1,000 FGT ee CG Y eG J
Choose from our flexible repayment terms of 6, aVEG hCG FdG bdG GSH
12 or 24 months QNh NGO e gDhGT d dG G Y k e Ob hH
Lowest profit rate starting from 18% per annum (jdG dG GYe) G
32

Detailed monthly statements Gk T 24 hCG 12 hCG 6 FG OGdG Ie QNG

No need for a guarantor dG `a %18 e CGJ HQCG f bCG J
No down payments k jT e M c aJ
No limit on the number of instalment plans allowed within c hH
available credit limit

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aG FG M V H G bCG eGH Od j hH

09 / 2012 CMP MKT 120227