Annual Fee 500 Includes up to 5 free supplementary cards Minimum Monthly Payment 5% of the outstanding balance Tawaruq Profit Rate 2.49% Shariah-compliant Digital Wallet Support Pay quickly and securely with Apple Pay or mada Pay. Supplementary Cards Give your family up to 5 supplementary credit cards with shared perks and flexible limits. Learn more Purchase Protection Protect your card with coverage against unauthorized transactions. Learn more Easy Payment Plan (0% Profit) Protect your card with coverage against unauthorized transactions. Learn more Fraud Protection Protect your card with coverage against unauthorized transactions. Learn more Extended Warranty Protect your card with coverage against unauthorized transactions. Learn more Eligibility Criteria Age Applicants must be between 18 and 65 years old. Employment & Financial Information Applicants must be employed by an approved employer, be a business owner or retiree, or maintain an average balance that meets the Bank’s requirements. View full Terms & Conditions, Risks of Credit Cards, and Risks of Card Dispute Frequently Asked Questions When will I receive my mada Card and PIN? Your Mada Card, PIN, and account identification card are issued immediately once your account is opened. When will I receive my cheque book? Your cheque book will be ready within 2–3 business days from the date your account is activated. Can I have more than one Current Account? Yes. You can open more than one Current Account and choose to have it in another currency if you wish. Can I open a joint Current Account? Yes. Joint accounts are available upon request at your nearest SAIB branch. Can I transfer my salary to the Current Account? Yes. You can easily have your salary transferred directly to your SAIB Current Account. Can I set up standing orders or automatic payments? Yes. You can create standing orders and schedule payments for bills or transfers through SAIB Digital Banking. How can I get account statements? You can view or download your account statements anytime through SIB Retail App or SIB Retail Online, or request printed copies at any branch. We’re Always Within Reach Stay connected to your banking, through our customer care team, digital channels, and branches everywhere. Customer Care Submit inquiries, raise complaints, and access support anytime. /homepage Branches & ATMs Easily locate branches and ATMs wherever you are. E-Banking Services Bank smarter and faster with our secure digital platforms. /treasury