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Terms and Conditions of SABB Credit Cards
Important: Before you use SABB Credit Card (the "Card"), please carefully read this
Cardholder Agreement.
IN THE NAME OF ALLAH, THE MOST GRACIOUS, THE MOST MERCIFUL
All praise is due to Allah, the cherisher of the word, and peace and blessing be upon the
prophet of Allah, on his family and all his companions
SABB Credit Card is issued by The Saudi British Bank ("The Bank) on the following Terms and
Conditions:
1. Issuing of Cards
1.1 Use of the Card is restricted to the Cardholder and subject to these Terms and Conditions,
the Card remains valid until its date of expiry mentioned on the Card.
1.2 The Cardholder will not permit any other person to use the Card and will at all times safeguard
the Card and any Personal Identification Number (the "PIN") issued, and keep it under his/her
personal control.
1.3 The Bank will maintain an account in the name of the Cardholder in respect of the Card (the
"Card Account") to which the value of purchases of goods and services, cash advances, fees
and charges effected by the use of the Card ("Card Transactions"), any other liabilities of the
Cardholder arising under these Terms and Conditions and any loss incurred by the Bank
arising from the use of the Card [or Card number] shall be charged. A statement of account for
amounts so charged will be sent to the Cardholder at his/her last address advised by the
Cardholder and any such statement shall be deemed to have been received by the Cardholder
7 days after despatch by the Bank.
1.4 The Bank may issue Supplementary Card(s) to any person nominated as a Supplementary
Cardholder by the Cardholder. The Terms and Conditions of this Agreement shall apply to the
use of any Supplementary Card(s) and the term the Card shall whenever applicable include
such Supplementary Card(s). The Cardholder shall be bound by and be liable for the use of any
Supplementary Card(s). In addition to its other rights and powers under this Agreement, the
Bank may cancel any Supplementary Card(s) at any time, and seek the return of
Supplementary Card(s) issued to the Supplementary Cardholder. The Cardholder will be solely
liable for the principal Cards and the Supplementary Card(s).
2. Conditions related to the Card Account
2.1 The Cardholder will be responsible for all credit or other facilities granted by the Bank in
respect of the Card and for all related charges hereunder, notwithstanding the termination of
this Agreement.
2.2 The Cardholders failure to sign any Sales Slip, Cash Advance Slip or Mail Order Coupon will
not relieve the Cardholder from liability to the Bank in respect thereof. The Cardholder has the
objection right against any amount charged on the Card Account. Copies of the Sales or Cash
Advance Slips may be provided to the Cardholder subject to an additional charge. Provision of
Sales Slip copies may take a minimum of 30 days subsequent to the Cardholders written
request to the Bank.
2.3 The value of all Card Transactions will be charged to the Card Account in the currency of the
Account as advised by the Bank. Card Transactions, which are effected in currencies other
than the Account Currency, will be debited to the Card Account after conversion into the
Account Currency at a rate of exchange to be determined by the Bank from time to time.
2.4 If the Cardholder is authorised by the Bank to use the Card at an ATM belonging to the Bank
or associate member of the HSBC Group of Companies or any Member Bank of Visa
International/ MasterCard International or any other ATM as advised to the Cardholder from
time to time, the following additional Terms and Conditions shall apply:
a) The Cardholder shall accept full responsibility for all transactions processed by the use of the
Card at any ATM that accepts it, (the Banks record of transactions processed being
conclusive and binding for all purposes) and hereby authorises the Bank to debit the
Cardholders current or savings account as specified in the Card application (the Nominated
Account) or the Card Account with the amount of any withdrawal or transfer effected by the
use of the Card with or without the Cardholders knowledge or authority.
b) The Banks record of transactions processed by the use of the Card at any ATM shall be
conclusive and binding for all purposes.
c) The Cardholder shall not be entitled to overdraw the Nominated Account or exceed the limit
of the Card Account with the Bank.
d) The Bank shall not be responsible for any loss or damage arising directly or indirectly from any
malfunction/failure of the Card or ATM arising out of the Cardholders mistake, the temporary
insufficiency of funds in such machines or any other reason either within or beyond the Banks
control unless such occurs as a result of the Bank negligence.
e) Any cash deposit at an ATM shall only be regarded as having been received by the Bank upon
verification and crediting the same to the Nominated Account or Card Account.
2.5 The Cardholder must notify the Banks Card Services Department in writing as soon as
possible of any changes in the Cardholders address and telephone numbers of
office/residence/mobile. Failure to do so will relieve the Bank from any further liability with
regards to official correspondence.
2.6 The Bank shall not be liable for the refusal of any merchant establishment to accept or honour
the Card, nor shall the Bank be responsible in any way for the goods or services supplied to
the Cardholder. The Cardholder must resolve any such complaints directly with the merchant
establishment. The Bank shall have no responsibility in this respect. No claim by the
Cardholder against the merchant establishment may be the subject of a claim against the
Bank. The Bank will credit the Cardholders Card Account with the amount of any refund only
upon receipt of a properly issued credit voucher from the merchant establishment.
2.7 The Cardholders must not use the Card for any unlawfull purposes, including the purchase of
goods or services prohibited by the Shariah laws. The Card also shall not be used for any
purchases or services prohibited by Shariah. In case of such use, the Bank reserves the right
to cancel the original Card and any Supplementary Cards provided the customer shall pay the
amount due directly.
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3. Lost or Stolen Cards bhG hCG IOG bdG 3
3.1 The loss or theft of a Card must be reported to the Banks Card Centre on Telephone no.
800 124 8888 JdG Y d HdG aG bdG ce EG bdG bS hCG a Y HEG j 3.1
800 124 8888 (within the Kingdom) and +966 1 440 8888 (from abroad) or any
Visa/MasterCard member number and confirmed by fax (+966 1 402 6375) or in writing. OQcSe / Ga AYCG MCH UN Jg bQ CG hCG (G QN) + 9661 440 8888 JdGh (G NGO)

A Police Report must also be made of the lost/stolen Card and a copy sent to the Bank if jh WdG HEG kjCG j c .kHc hCG (+ 9661 402 6375) cdG jW Y dP cCJh fTffEG
there is suspected misuse. The Cardholder will be responsible for any unauthorised Card
Transactions effected before notification of the loss or theft has been received by the Banks
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Card Centre. The maximum potential liability to the Cardholder as a result of lost/stolen Cards dhDG e Qb bCG Rhj d c .bdG bS hCG H j cdH hCG Jg hCG Hc QTE d HdG
will not exceed the approved limit of the Card. .bd G FG d bdG bS / Ga f bdG eM Y G
3.2 After receipt by the Bank of notification of loss or theft of a Card to the Banks Card Centre,
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the Bank will block the Card. The Cardholder will thereafter have no further liability provided
that the Cardholder has acted in good faith and with all reasonable care and diligence in c Hh f H HEH b b j CG jT HEG H iNCG dhDe CG bdG eM j dh Y
safeguarding the Card unless it has proved to the Bank that, he acted in bad faith. In case the bdG Y QdG dM `ah .f AH aJ CG d j e bdG Y ad eRdG Gh gG
Cardholder recovers the Card, he/she shall report the matter to the Bank and the police and
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immediately hand over the recovered Card to any of the Banks Card Service Centres in the
Country, for destruction. The Cardholder must not make any attempt to use the Card. dh Y bdG eM Y j c aJEG j d jOdG HdG G `a d HdG bdG
3.3 The Cardholder will be liable for all losses to the Bank arising from the use of the Card by any .bdG GSG
person obtaining possession of it with the Cardholders consent.
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3.4 The Bank may in its absolute discretion agree to issue a replacement Card for any lost or
stolen Card which shall be issued on the same Terms and Conditions as the original Card or .bdG eM aG Y
as may be amended from time to time. The Bank reserves the right to charge a replacement/ gQGUEG S dGh bhe hCG IOe bH C jH bH QGUEG Y aGG Mh jd kahh d Rj 3.4
handling fee to the Cardholders Card Account and notify the Cardholder. GSG SQ b `a H dG jh .NB M e jJ j M hCG UCG bdG MCGh hT H
4. Credit Limit .dH bdG eM QTEGh bdG eM M Y QGOEG SQ /
4.1 The Bank will assign a Credit Limit to the Card Account, which must not be exceeded without
prior agreement of the Bank. FG M 4
4.2 If a Cardholder exceeds the assigned Credit Limit without prior agreement, the Bank may at .dG e e aGe hO Rh Y bdG eM Y jh bdG FG M dG j 4.1
its discretion cancel the Card immediately without notice to the Cardholder and all Amounts
Outstanding will thereupon become immediately due and payable.
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4.3 The Bank will assign a Credit Limit (the Credit Limit) to the Card Account which must be .QdG adG LGhh e IOG Z dG L Jh dH
strictly observed by the Cardholder. The Credit Limit is determined by the Bank in accordance jh eJ bH G dH dG bdG eM Yh (FG M) bd fFG d kGM dG j 4.3
with its normal credit policy and is subject to variation from time to time in the Banks
absolute discretion. The Cardholder may, however, apply for a review of his/her Credit Limit
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at anytime. .bhCG e bh CG `a d FG G LGe H dG bdG eM eEHh ,Gg
5. Card Payments bdG ee OGS 5
5.1 A Card Account statement will be sent to the Cardholder monthly with details of the total
Amount Outstanding on the Card Account including purchase transaction amounts, cash
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withdrawal and the minimum payment due computed at a rate to be determined by the Bank OGS jh dG j dG d fOCG G Gch dG dGh AGdG Y de Y G bdG
and notified to the Cardholder from time to time and the date by which the payment must be dG jQdG dG j c NB bh e bdG eM H jh dG gOjh G G e f gh
made to the Bank. The Minimum Amount Due also includes any unpaid Minimum Amount
Due from any previous statements which has not been settled, any amount over the Credit
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Limit and any other fees stated in the Card User Guide. dO `a Ve g c iNCG SQ CGh FG G a e CGh .OGS j HS M c CG e
5.2 If the Cardholder pays the full outstanding balance on or before the due date, no Tawarruq .bdG GSG
shall take place.
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5.3 Should the customer settle only the minimum of the total amount due on or before due date;
the Bank shall carry out a Tawarruq transaction by selling certain commodities owned by the dG j ,SG j b hCG `a OGS G G LEG e fOCG G OGH dG AcG M `a 5.3
Bank on a FUDOLY basis to the Cardholder for the remaining balance of the total amount due LEG G e J e H bdG eM Y kda kH dG e S H QdG Y AGLEH
by one instalment for one month starting as of the due date and to settle the Card dues from
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the proceeds of selling the said commodities on behalf of the customer.
5.4 Tawarruq transaction will appear in the next statement of the Card and in case such action is .dG Y Hf dG J H
not objected by the Cardholder within 20 days from the date of the statement issue, that will Gg Y bdG eM dG VGYG Y dM `ah ,dG bdG M c `a QdG Y S 5.4
be regarded as acceptance by him.
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5.5 If the Cardholder objects to the Tawarruq transaction within the 20 days period from issue of
the statement of account, the Bank shall review the request of the Cardholder and refund the c QGUEG jQJ e kej 20 `H IOG IG N QdG Y Y bdG eM dG VGYG M `a 5.5
entire amount of the Tawarruq and the profit of the objected transaction only. The Bank has ,a Y VG d HdGh QdG b ec IOYEGh bdG eM W LG dG j ,G
the right to stop the Card and claim settlement of the whole amount due from the Cardholder. .kec Y G G OGH bdG eM dG deh bdG jEG `a G dh
5.6 In all of the above cases, Tawarruq will be processed only after the expiry of the grace period
and provided the Cardholder is not a bankrupt. eM j CGh dG Ia e H EG QdG GAGLEH NDj a YCG IQcG GMCG L `a 5.6
5.7 If the Cardholder defaulted payment of the Amount Outstanding on maturity for two .kGe bdG
consecutive months, then the Card will be suspended, and the Bank may not process the bdG ba de jd SG j `a Y G dG aO `a bdG eM a dM `a 5.7
Tawarruq for settlement of the Cards transactions.
5.8 If the Cardholder wishes to activate the suspended Card after payment of the outstanding
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debt, then a reactivation fee of SAR 50 will be charged. J IOYEG SQ aO S Y FdG fjG aO H bG bdG J bdG eM ZQ dM `a 5.8
5.9 If the Cardholder objects against any transaction after processing of Tawarruq which includes .kjQ 50
the respective disputed amounts, then the amounts that will be refunded to the Card Account
will only be equivalent to the value of the disputed transaction and the profit thereof.
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5.10 If payments are made by cheque, the Cardholder must provide the cheque 7 working days .a HQh Y VG dG H S bdG M EG OS
before the payment due date for clearing purposes. SG jQJ e Y jCG (7) S b dG j CG bdG eM a ,T SGH OGdG j eY 5.10
5.11 The Cardholder may issue a direct debit standing instruction on an account with the Bank (the
Nominated Account) to settle the Amount Outstanding on the Payment Due Date. For direct
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debit standing instruction, the following additional Terms and Conditions shall apply: G jd (G G) dG id M e ITe d FGO J QGUEG bdG e Rj 5.11
i) The Cardholder agrees that the Bank reserves the right to determine the priority of any such :FGdG dG Y ddG aVEG MCGh hdG Jh adG SG jQJ `a G
standing instruction against cheques presented to the Nominated Account or any other
arrangements made with the Bank.
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ii) The Cardholder agrees that any amendments and cancellations to any such standing .dG e J iNCG JJ CG hCG G d
instructions should reach the Bank at least one week before the next Payment Due Date. Y SCG b dG EG j CG j FGdG dG J e C AdEG hCG jJ CG CG Y bdG eM aGj (
5.12 If the Cardholder defaulted payment of Amount Outstanding, the Bank will charge a late
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payment fee of SAR 100. The proceeds of such fines will be paid to the licensed charitable
institutions. jQ 100 gQGe Y NCJ eGZ VH dG j `G G jJ Y bdG eM NCJ M `a 5.12
5.13 If the Cardholder disagrees with any charge indicated in the monthly statement, this should be .qNG jG G EG aS eGdG g M CH kY IMGh I OS
communicated to the Bank within 30 days of the statement date, failing which, the Bank will
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not be in a position to guarantee the success of disputing the transaction with the transaction
processing Bank and or the merchant. d G dG id eG Y VGYG b j dG Ea EGh dG jQJ e kej 30 N dP
5.14 Any payments made by a Cardholder will be applied by the Bank in or towards payment of the .LdG hCG/h
Cardholders liabilities to the Bank under these Terms and Conditions in such order as the
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Bank may decide.
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6. Charges
6.1 The Cardholder shall pay an irrevocable annual fee which varies according to the Card SdG 6
category. .bdG a NH SdG Gg e jh ,OGOSd Hb Z S SQ aH bdG eM j 6.1
6.2 The Bank will charge a flat fee of SAR 100 against cash withdrawal transaction which will be
debited from the Card Account irrespective of the amount withdrawn. jh bdG eH UG bdG M Y bh f S Y c He HK SQ MH dG j 6.2
6.3 The Bank reserves the right to amend charges from time to time, at its discretion. The Bank .G G QGe Y dG H jQ 100 SdG Gg QGe
will notify the Cardholder of such amendments by mail. Use of the Card after the date upon Y jdG H bdG eM QTEH dG jh .jd kah NB bh e SdG jJ H dG j 6.3
which any change to these Terms and Conditions is to have effect (as may be specified in the
Banks notice) will constitute acceptance without reservation by the Cardholder of such
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change. However, in case of his objection or non-acceptance, the Cardholder has the right to M a db Yh VGYG M `ah ,Y jCG hO jdG dd bdG eM e kb (dG QTEG
terminate the Card. .bdG AfEG
7. Cancelling this Agreement bJG AfEG 7
7.1 The Bank may terminate this Agreement with the Cardholder at any time by cancelling the
Card with or without prior notice and with or without assigning any reason, or refusing to QTEG hH hCG QTEH bdG AdEH dPh bh CG `a bdG eM e eG bJG g AfEG d Rj 7.1
renew the Card. The Cardholder may terminate the Agreement at any time by written notice bh CG `a bJG AfEG bdG e Rj c .bdG j aQ hCG S CG j hH hCG jHh e
to the Bank accompanied by the return of the Card and any Supplementary Cards.
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7.2 The whole of the Amount Outstanding on the Cardholders Card Account shall become due
and payable to the Bank on the termination of this Agreement. The Cardholder agrees that the eM aGjh .bJG g AfEG Y d adG LGhh e bdG M Y G dG L J 7.2
Bank shall have the right to retain any funds placed in the Cardholders Current/Savings or any M CG hCG / adG M / QG G `a YOe de jCG M `a G d j CG Y bdG
other account with the Bank or deposits held as a security for the issuance of Card and/or
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Supplementary Card(s) for a period of up to 45 days after the Card and any Supplementary
Card(s) have been physically returned to the Bank, and to offset any such funds without notice AGLEGh dG EG ka aVEG bH hCG bH CGh bdG IOYEG H kej 45 gbCG I aVEG bH
to the Cardholder. .bdG e QTEG hO dG J e CG He d bdG eM Y G dG ad Ue
7.3 In the event of a Cardholders bankruptcy all Amounts Outstanding are immediately due and
payable and the holder(s) of any Supplementary Card(s) will immediately cease the use of
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such Card(s) and return it or them to the Bank and pay any amount that may be outstanding bdG eM Yh d JOYEGh bdG J GSG Y kGQa bdG aVEG bH / bH CG eM
under these Terms and Conditions. .MCGh hdG g L e J b de CG OGS
7.4 The Card remains the property of the Bank at all times and shall be returned to the Bank upon
request, together with any Supplementary Card(s) for which the Cardholder is liable. j aVEG bH hCG bH CG e dG Y d JOYEG jh bhCG L `a d ke bdG J 7.4
7.5 Where this Agreement relates to the use of a Supplementary Card, the Cardholder may .Y khDe bdG eM
terminate this Agreement (in so far as it relates to the use of the Supplementary Card) by bdH j e AfEG FdG bdG e Rj fEa aVEG bH GSH bJG g J M 7.5
written notice to the Bank accompanied by the return of the Supplementary Card. In both
circumstances, the Agreement will remain in force until full payment of Card Transactions and Iaf bJG Jh aVEG bdG IOYEH kHe d N QTEG LH dPh `` bJG g e aVEG
all amounts due under these Terms and Conditions effected by the use of the Supplementary bdG GSH dGh MCGh hdG g L G dG ach bdG ee OGS
Card has been received by the Bank. Unless and until such termination takes place the Bank
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shall provide a renewal Supplementary Card to the Cardholder from time to time.
7.6 If, for any reason, the Cardholder fails to comply with the Terms and Conditions of this .NB bh e bdG e aVEG
Agreement or refuses to accept any amendments - as described in 9.10 below, the Bank may jdG e CG b aQ hCG bJG g MCGh hH GdG `a c S C bdG eM NCG GPEG 7.6
terminate this Cardholder Agreement and proceed to recover all Amounts Outstanding
thereunder. The Cardholder shall be responsible for all costs, charges and expenses incurred
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by the Bank including legal fees on a full indemnity basis. dP `a dG gj dG jQGh SdGh dG L Y khDe bdG eM jh .L
8. Authorisation and indemnity for telephone and facsimile instructions .edG jdG SSCG Y ffdG JCG
8.1 The Cardholder authorises the Bank to rely upon and act in accordance with any notice,
instruction demand or other communication which may from time to time be, or purport to be cdGh JdG jW Y IQOdG dG He jdGh jdG 8
given by telephone or facsimile by the Cardholder or on his/her behalf (the "Instructions") bdG eM gQj b iNCG dSQ CG hCG W hCG J hCG QTEG CG ah dH dG bdG eM Vj 8.1
without any enquiry on the Banks part including, without prejudice to the generality of the CG hO ("dG") `` ` `Y HdH IQOU hCG e IQOU fCH j hCG cdG hCG JdG jW Y NB bh e
foregoing, as to the authority or identity of the person giving or purporting to give the
Instructions and regardless of the circumstances prevailing at the time of receipt of the Qj dG dG jg hCG jH j e J e eH NEG hOh dP `a dG fL e QSG
Instructions. .dG J bh IFdG hdG Y dG H e IQOU fCH j dG hCG dG
8.2 The Bank shall be entitled to treat the Instructions as fully authorised by and binding upon the
eRdG GG PJG d jh d eeh bdG eM e ec jH IQOU dG QYG d j 8.2
Cardholder and the Bank shall be entitled to take such steps in connection with or in reliance
upon the Instructions as the Bank may consider appropriate, whether the Instructions include GeCG aH LJ J dG fc AGS kSe dG Gj M Y kGOSG hCG dH j a
Instructions to pay money or otherwise to debit or credit any account, or relate to the hCG de GQhCG hCG GeCG jCG `a dH J fc hCG dEG aVEG hCG M CG e G iNCG jH hCG
disposition of any money, securities or documents, or purports to bind the Cardholder type of
transaction or arrangement whatsoever, regardless of the nature of the transaction or
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arrangement or the amount of money involved. .dH JG G hCG JdG hCG eG W
8.3 The Bank under terms of this authorisation and indemnity is not obliged to accept and act g dGh dGh JdH IQOdG dG H jdG Gg hT L kee dG j d 8.3
upon telephone and facsimile Instructions which include the following:
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n Change in Mandate
n Change to authorised signatories jdG `a J n
n Power of Attorney to another person/entity
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n Closure of the account(s) and transfer of the remaining balance by any means.
8.4 In consideration of the Bank acting in accordance with the terms of this authorisation and
iNCG g hCG NBG d cJ e n
indemnity, the Cardholder hereby irrevocably undertakes to indemnify the Bank and to keep Sh CH G IUQCG jh HG / G bEG n
the Bank indemnified against all losses, claims, actions, proceedings, demands, damages,
costs and expenses incurred or sustained by the Bank of whatever nature and howsoever dG jH d Hb Z kGJ j GH bdG eM Ea jdGh jdG Gg hd kah dG J L 8.4
arising out of or in connection with the Instructions. dGh ddGh QGVCGh dGh ffdG GAGLEGh hYdGh dGh FG ac He bhCG c `a jMh
8.5 The terms of this authorisation and indemnity shall remain in full force and effect unless and
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until the Bank receives, and has a reasonable time to act upon, notice of termination from the
Cardholder in accordance with the terms of the Mandate, save that such termination will not bdG eM e FfEH kGQTEG dG j Mh e edH G Iafh jQS jdGh jdG Gg hT J 8.5
release the Cardholder from any liability under this authorisation and indemnity in respect of eM j d AfEG Gg Ea dP ASHh .dP L d SG bdG d ajh jdG hd kah
any act performed in accordance with the terms of this authorisation and indemnity prior to
the expiry of such time.
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9. General
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9.1 The Card establishes a surety relationship between the Bank, the holder and acceptor of the eY MCG 9
Card under which the Bank guarantees to the acceptor, the debt incurred by the holder as a
result of using the Card according to the Terms and Conditions of this Agreement. f eM eP `a jO e Jj e Hd dG j ,Hbh eMh dG H dc bY bdG g J 9.1
9.2 The Bank shall have the right at its absolute discretion to transfer and assign in any manner in .bJG g MCG L eGSG
whole or in part any Cardholders Amounts Outstanding. The Cardholder shall pay all the costs
Yh .bdG eM Y e de CG Y kFL hCG kc fc jW CHh Rjh j CG G jd kah d j 9.2
of collection of dues, legal expenses and Amounts Outstanding should it become necessary
to refer the matter to a collection agency or to a legal recourse to enforce payment. IQhdG YSG GPEG dPh IOG Z dGh ffdG dGh G dJ L aO bdG eM
9.3 Whenever required by the Bank, the Cardholder shall furnish data concerning his/her financial .adG d fdG EG AdG hCG Ach jW Y OGdH dG
position to the Bank. The Cardholder further authorises the Bank to verify the information
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furnished. If the data is not furnished when called for, the Bank at its discretion may refuse
renewal of the Card or cancel the Card forthwith. G jd kah d Rj fEa W Y fdG H dG jhJ Y M `ah .fdG J U e dH
9.4 The Cardholder authorises the Bank to disclose information concerning the Cardholder and .kGQa FdEG hCG bdG j aQ
Supplementary Cardholder or the Cardholders and Supplementary Cardholders Card Account
to the Saudi Arabian Monetary Agency, banks and competent authorities. The Cardholder also
eH UG bdG H hCG aVEG bdG eMh bdG eH G fdG H dG bdG eM Vj 9.4
authorises the Bank to collect from and or disclose to the Saudi Credit Bureau (SIMAH) or any CH dG kjCG bdG eM Vj c G Gh dG EGh dG SDe EG aVEG bdG eMh bdG
appropriate third parties approved by SAMA such information as the Bank may require at its dG SDe b e Ie iNCG GWCG CG hCG (S) fFG ed jOdG cdG EG j hCG /h e j
discretion, to establish, review and or administer the account/facilities with the Bank.
9.5 The Cardholder irrevocably agrees that the Bank may subcontract the provision of the services .dG id dG / G IQGOEG hCG LGe hCG KE jd kah dG j b dG eG J OdG HdG
provided to the Cardholder or any part thereof to any third party, whether or not that third EG e AL hCG bdG e eG J Y OSEG d Rj fCG Y d Hb Z aGe bdG eM aGj 9.5
party operates in another jurisdiction or territory. The Bank shall remain liable to the eM khDe dG Sh .iNCG e hCG NBG Fb UNG V j hCG j c AGS dK W CG
Cardholder for any recoverable loss or damage incurred and maintain the confidentiality of any
such information to the same extent as the Bank. .dG H j dG QdG H eG g jS Y aGh gj OGOSd Hb QGVCG hCG FN jCG Y bdG
9.6 The Bank may assign the processing of information related to the Cardholders abroad within .NBG e CG hCG HSBC Y bGe V kLQN bdG eH UG eG e OSEG d Rj 9.6
the HSBC Group or any other place.
.H MGh bdG e JdG G H j CG d Rj 9.7
9.7 Cardholder telephone calls may be recorded and retained by the Bank.
9.8 The Cardholder hereby authorises the Bank to, without notice, combine or consolidate the j NBG M CG e bdG M Y G dG MJ hCG H QTEG hO j CH dG bdG eM Vj 9.8
Amount Outstanding on the Cardholders Card Account with any other account which the JeGdH Aad bdG e iNCG HH FGO IUQCG jCG j hCG UG AGLEGh dG id bdG eM H
Cardholder maintains with the Bank and offset or transfer any monies standing to the credit of
the Cardholders other accounts in or towards satisfaction of the Cardholders liability to the
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Bank under these Terms and Conditions. bdG GSG hCG QGUEH j a dPh dG e eGHEG d S K bJG CG bJG g 9.9
9.9 This Agreement supersedes any similar agreement with the Bank in connection with the issue .Z HdG bJG J GHh (bdG)
or use of Card(s), such agreement being hereby cancelled.
9.10 The Bank reserves the right at all times to vary or amend the foregoing Terms and Conditions
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or to introduce new Terms and Conditions. Any such variations or amendments will become bdG eM ZQ Y M `ah Se fCG dG ij Sh jCH H J H bdG e keeh kGaf jJ hCG J
effective and binding on the Cardholder upon notification to the Cardholder by any means the eM Yh .FdE d aVEG bdG/bdG e bdG IOYEG Y a jdG hCG GdG J e CG b
Bank deems fit. If the Cardholder is unwilling to accept any such variations or amendment, the
Cardholder must return the Card along with Supplementary Card(s) to the Bank for CGh bdG IOYEG b bdG hCG bdG J GSH dG eG Y d Y G dG aO bdG
cancellation. The Cardholder will indemnify the Bank against Card Transactions of these .d aVEG bH / bH
Card(s) prior to the return of the Card and any Supplementary Card(s) to the Bank.
9.11 The Bank shall not be liable for any loss suffered by the Cardholder if the Bank is prevented eN CH bdG eM jhJ `a NCJ hCG dG e M `a bdG eM gj IQN CG Y khDe dG j d 9.11
from or delayed in providing the Cardholder with any banking or other service due
to strikes, industrial action, failure of power, supplies or equipment, or causes beyond or
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outside its control. .JOGQEG Y LQN SCG jC hCG GG
9.12 The Cardholder will continue to be liable for the charges if for any reasons set out in clause SQEG hCG J e 9.11 dH IOQGdG SCG e S C dG j GPEG SdG Y khDe bdG eM j 9.12
9.11 the Bank is unable to produce or send the Cardholder a statement of account.
9.13 This Agreement shall be construed and governed by the laws of the Kingdom of Saudi Arabia
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and any dispute shall be referred to the competent legal authority to decide on, that is G EG Gf CG j Sh jOdG HdG G `a IadG YGdGh fCd kW Jh bJG g J 9.13
consistent with Shariah principles .jdG MCG e VQj a d G FdG
10. SABB AQSAT
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The following terms shall have the following meanings:
:eeCG VG G ddG GQd S
n Eligible Purchase: means a purchase by a Cardholder or Supplementary Cardholder of any
goods from any merchant outlet in the Kingdom or worldwide (excluding cash advances), of
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such minimum amount as the Bank may from time to time determine, made using a SABB bh e dG Oj e M fOCG gM j H ,(jdG dG ASH) LQN hCG G NGO dG ae e
Credit Card issued by the Saudi British Bank (S) jdG OdG dG e IQOdG fFG S bH GSH dPh NB
n AQSAT Principal Sum: means the amount of the Card Transaction in the Billing Currency
relating to an Eligible Purchase which the Cardholder consents for conversion into an
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AQSAT Plan "bCG" efH EG j Y bdG eM
n AQSAT Profit Markup: means the applicable Tawarruq Profit Markup that are published eM QTEG jh NB bh e dG Y j dG d HdG HQCG eg J :jQGOEG SdG/bCG HQCG n
from time to time by the Bank and advised to the Cardholders
n AQSAT Term: means the duration of the AQSAT expressed in the number of Gregorian
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calendar months. The standard applicable terms are 6, 12 or 24 months 12 ,6 g d HdG SdG GdG CG Y ,jOG QdG OH Y oj dG "bCG" Ia J :bCG Ie n
n AQSAT Outstanding: means the AQSAT Principle Sum plus the applicable AQSAT Profit kGT 24 h
Markup that is not already paid
n AQSAT Monthly Instalment: means the AQSAT Principal Sum plus the AQSAT Profit
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Markup divided by the AQSAT Term OdG dG jQJ
n Statement Date: means the statement generation date which appears on the Card Account bCG Ie Y e OJ dG HQCG eg dEG kae FdG bCG e J :jdG bCG aO n
Statement
n Cardholder Agreement: means the Terms and Conditions governing the Card Account which
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are available on www.sabb.com www.sabb.com :Y IaG bdG M d j dG MCGh hdG J :bdG eM bJG n

10.1 To take advantage of SABB AQSAT, the Cardholder should communicate his/her consent to gDG AGdG Y e OY hCG MCG j Y aGe j CG bdG eM Y ,"bCG S" efH e IOSd 10.1
convert to an AQSAT plan one or multiple eligible transactions within 15 days from the original hCG 800 124 8888 bdG Y JG N e FGdG dG AGLEG jQJ e kej 15 N dPh (hd HG)
transaction date. The Cardholder can call SABB on 800 124 8888 or write to SABB Card .11557 VjdG ,69718 .U ,ITG aG ed S b :dG GdG Y SGG
Product Division, P.O. Box 69718, Riyadh 11557.
10.2 If the Cardholder agrees to convert such a transaction to an AQSAT Plan, the Bank shall carry UG FGdG dG jH QdG AGLEH dG j ,bCG efH EG AGT Y jH bdG eM ZQ GPEG 10.2
out Tawarruq transaction and convert the relevant Card eligible purchases into an AQSAT Plan ,ke bdG eMh dG Y aGh dG (fOCG "bCG" Ga fG) Id "bCG" efH EG bdG GP bdH
for a term (refer AQSAT Term below) specified by the Cardholder. Once agreed, the AQSAT UdGh G jdG "bCG" aO G c S .Y JG H "bCG" Ia J h Gg
Term cannot be changed. The Card statement will set out the AQSAT Monthly Instalment due
and the remaining balance of AQSAT Monthly Instalments. .e G
10.3 Following table highlights the minimum and maximum transaction amount for respective :Sb Ia d dPh FGdG dG b e fOCGh bCG G dG hG Vj 10.3
term/ tenures.
24 12 6 (TCH) OGdG Ia
Repayment Term (Month) 6 12 24
5,000 2,000 1,000 (S.Q) edG d fOCG G
Minimum Transaction Amount (SAR) 1,000 2,000 5,000
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Maximum Transaction Amount (SAR) Up to a maximum of available Credit Limit
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10.4 The amount of credit available on the Card Account shall be reduced by the aggregate amount
of any AQSAT Instalment(s) outstanding in relation to that Card Account. T M c c Y ,G fOCG Gh IOG Z dG EG "bCG" `d OG dG dG aVEG S 10.5
10.5 The relevant AQSAT Monthly Instalment will be added to Amount Outstanding and the G "bCG" de jJ j CG EG h) b hCG SG jQJ j `a pno jJ bdG eM Y j dGh
Minimum Amount Due on each months statement, the total of which needs to be settled by
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the Cardholder on or before the payment due date (until all AQSAT Outstanding(s) are fully
paid) in accordance with Clause 5 in the Cardholder Agreement. SSCG bCG e jh "bCG" eGH / efH AdEG EG G bCG aO Y hCG OGdG `a NCdG ODS 10.6
10.6 Late payments or non-payment of instalments will result in cancelling the AQSAT Plan(s) and `a NdG Y IGh fFG S bH f ah e edG j H ,G bdG M EG OG Z
the outstanding AQSAT Principal Sum(s) in question being converted to standard purchasing
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transactions and will be treated under Clause 5 of the existing Terms and Conditions as
published in the SABB Cards User Guide. Also such cancellations will attract a late payment .NB bh e S b e H bdG M HEG j e
fee as advised to the Cardholders from time to time by SABB. M `a J j "bCG" Y c He dPh kjQ 50 Qbh bCG efd jQGOEG SdG MG S 10.7
10.7 A management fee of SAR 50 will be charged on each SABB AQSAT booked.
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10.8 If the Cardholder does not make a payment equal to or more than the AQSAT monthly
instalment due on or before the Payment Due Date for two consecutive Billing Periods, then QGUEG Ga e He Ja ie Y dPh SG jQJ j `a G dG aH bdG eM j GPEG 10.8
the Bank may at its sole discretion cancel any outstanding AQSAT Instalment and add an ,G bdG M EG OG Z SSCG bCG e j jh ,"bCG" efH j CG d a ,JGdG
amount equal to the outstanding AQSAT Principal Sum(s) to the Amount Outstanding which
IOG e aGj G OGd QdG `a NdG Y IGh fFG S bH f ah e edG j H
will be payable in accordance with Clause 5 in the Cardholder Agreement. The Bank will also
charge a cancellation fee of SAR 100 per every AQSAT Plan. eGH e efH c Y dPh jQ 100 b AdEG SQ VH dG S c .bdG eM bJG e 5 bQ
10.9 If the Cardholder seeks to close the Card Account prior to the end of any outstanding AQSAT .OGdG Y H DhdEG j dG "bCG"
Term, the AQSAT Outstanding(s) will be added to the Amount Outstanding which will be
Gh G bCG L j j e "bCG" Ia CG jf b bdG M bEG bdG eM OGQCG GPEG 10.9
payable in accordance with Clause 7 in the Cardholder Agreement. The Bank will charge a fee
of SAR 100 as an early settlement fee, this fee will also be applicable if a Cardholder wishes dG S c .bdG eM bJG e 7 bQ IOG e aGj adG LGh S dGh G bdG M EG
to settle any AQSAT Plan(s) prior to the end of the agreed term(s). .DhdEG j dG "bCG" eGH e efH c Y dPh jQ100 b AdEG SQ VH
10.10 Any credit balance whether arising due to a refund, successful chargeback or advance amount
`a bdG eM b e kee OJ de hCG Lf de OQ hCG de IOSG Y Cj FGO UQ CG GSG S 10.10
deposited by the Cardholder will be settled against the part or full AQSAT Outstanding(s).
10.11 The Bank shall not be liable for the refusal of any merchant establishment to accept or honour .IOG Z "bCG" de c hCG e AL jJ
the Card, nor shall the Bank be responsible for any disputes/complaints in any way for the hCG ihT jCG Y GMCG e M CH khDe dc j dh bdG b jQ SDe CG aQ Y khDe dG j d 10.11
goods or services supplied to the Cardholder. The Cardholder must resolve any such
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disputes/complaints directly with the merchant establishment. The Bank shall have no
responsibility in this respect. No claim by the Cardholder against the merchant establishment bdG eM ej iT jCG J CG Rj c .dP dhDe jCG dG j dh jQdG SDG e ITe
may be the subject of a claim against the Bank. The Bank will credit the Cardholders Card Y a IOe de jCG bdG eM dH dG jh Gg ,dG V de jC kVe jQ SDe V
Account with the amount of any refund only upon receipt of a properly issued credit voucher
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from the merchant establishment.
10.12 The Bank may at any time and without any prior notice or liability to the Cardholder, modify or efH hT hCG Ie AfEGhCG jH j CG bdG eM dhDe CG hCG QTEG hHh bh CG `a d j 10.12
terminate the AQSAT Terms and Conditions. However, any such modifications or terminations aG kac kbh aj FGLEG e kej 60 H S AfEG hCG jdG g jS CG QYH NCG e "bCG"
shall come in to effect 60 days from the date of introduction providing the Cardholder ample
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time to agree to such changes.
10.13 The Terms and Conditions of the Cardholder Agreement shall also apply to this offer. .efdG Gg Y bdG eM bJG MCGh hT L J 10.13
Foreign Currency Transactions LCG dH dG
All foreign currency Credit Card Transactions will attract a currency conversion charge up to 2.75% .dG b e %2.75 EG J Y j dY MG j fFG bdG Y LCG dH J dG dG L
of the value of each transaction at the time of converting same into Saudi Riyals. :OdG jdGEG LCG Y j Y G jdG Vj dG G
The following example illustrates the method applied while converting a foreign currency
transaction into Saudi Riyals: X dG Y
100 (CG) dG e
Transaction Currency X 4.00 () OdG jdG EG X dG e jdG S
Transaction Amount (A) 100 OS jQ 400 ()*(CG) (4.00 x 100) OdG jdH G
Conversion Rate from Currency X to Saudi Riyals (B) 4.00 OS jQ 11 (%2.75 x OS jQ 400) jdG dY
SAR Amount: (100x4.00) (A)*(B) SAR 400 OS jQ 411 S.Q (11 + 400) bdG M c `a S dG G G LEG
Currency Conversion Charge: (SAR 400 x 2.75%) SAR 11
Total amount charged to the Card (SAR 400 + SAR 11) SAR 411 OdG jdG EG j j K khCG jeCG QhdG EG j j fFG bdG Y LCG H J Y CG :Me
Note: Regardless of the currency of the original transaction, any foreign currency transaction(s) FdG dG d kah (OQcSeh Ga) SGH J OdG jdG EG LCG dG e jdG Y CH kY dP H
made using a Credit Card is first converted to US Dollars and then converted into Saudi Riyals. The .dG bh
conversions from Foreign Currencies to Saudi Riyals are carried out by the respective schemes
(Visa and MasterCard) as per their prevailing rate/s of day. ,,,a dG Hh