á«fɪàF’G ÜÉ°S ábÉ£H ΩGóîà°SG π«dO
SABB Credit Card User Guide
1
Welcome to the world of SABB Credit Cards
SABB Credit Cards are welcomed at over
20 million establishments in the Kingdom and worldwide.
Tawarruq mechanism
Since 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 the
total amount due. This is done in one instalment,
for one month starting as of the due date to settle
the Card dues from the proceeds of selling the
said commodities.
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More secure with SABB Credit Cards
SABB 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.
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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
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∫ƒ°üë∏d ∂dPh AÓª©dG áeóN ∞Xƒe äɪ«∏©J ´ÉÑJGh 800 124 8888
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âcôjGO ÜÉ°S ≈∏Y ∫É°üJ’ÉH hCG ÜÉ°S `d ™HÉJ
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How to use your SABB Credit Card at
retail 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.
* 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 swiped
using 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.
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www.sabb.com ™bƒŸG ∫ÓN øe âf ÜÉ°S ≥jôW øY .1
.(ÜÉ°S äÉHÉ°ùM AÓªY)
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.(ÜÉ°S äÉHÉ°ùM AÓªY)
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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
*Cheque payments should be received by the Bank 7 days before the payment due date
to avoid the late payment fees.
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e-statements
e-statements provide flexibility, convenience and security
by enabling you to view your monthly SABB Credit Card
statement online. You can view up to three of your latest
statements by downloading them in PDF format or printing
them 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, or
call SABB Direct on 800 124 8888.
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.800 124 8888 ≈∏Y
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á«fɪàF’G ÜÉ°S äÉbÉ£H Ωƒ°SQ
SABB Credit Card charges
Annual fee Gold VISA/MasterCard® Card
SAR 350
Annual fee Classic VISA/MasterCard® Card
SAR 225
¢S .Q 350
¢S .Q 225
Revolving credit - on monthly outstanding balance*
28.68%
%28.68
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
¢S .Q 100
¢S.Q 100
¢S .Q 25
¢S.Q 100
¢S .Q 100
(based on transaction date)
*The annual percentage rate (APR).
**To be paid to certified charity organisations.
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Additional benefits
Share the privileges with your family
If you wish to extend the benefits of your Card to your
family 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 Card
To apply, please call SABB Direct on 800 124 8888.
For your protection
If 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
*Transactions that happen before reporting the lost Card will be charged to the customer.
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10
…ó≤ædG Öë°ùdG
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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®
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Card Service Centres
A network of dedicated Card Service Centres offers
services such as card delivery, card replacement, card
activation, re-printing of Card statements, reissuing of
“ICSABB” certificates, advice on due amounts and
many 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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“ICSABB” Rewards Programme
“ICSABB” is a unique loyalty programme that rewards you for
using 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 Credit
Card Annual Fees and benefit from a special discount. For
the latest “ICSABB” offers and updated list of participating
merchants, please visit our website www.sabb.com or
call SABB Direct on 800 124 8888.
Note: The Bank may inform SABB Cardholders about any additions or
terminations regarding the participating merchants or amendments
in 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.
Ék fÉ› á«fɪàFG ájɪM
,ÊGéŸG á«fɪàF’G á«£¨àdG èeÉfôH ™e ∫ÉÑdG áMGQ ∂ëæÁ ÜÉ°S
»∏µdG õé©dG hCG IÉaƒdG ádÉM »`a ∂FÉÑMCG øY á«dÉŸG AÉÑYC’G ∞Øîj ƒ¡a
∂àbÉ£H ó«°UQ ≈∏Y á∏eÉ°ûdG á«æ«eCÉàdG á«£¨àdG ÒaƒJ ∫ÓN øe ºFGódG
¿hóH kÉfÉ› áeóÿG √òg ≈∏Y π°üëà°S ∂dP ¤EG áaÉ°VEG .á«fɪàF’G
.ájô¡°T á«aÉ°VEG Ωƒ°SQ …CG
kÉfÉ› áeóÿG √òg ¬FÓª©d Ωó≤j áµ∏ªŸG »`a ∂æH ∫hCG ¬fƒµH ÜÉ°S ôîàØj
.Ωƒ°SQ …CG ¿hóH
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Limit of protection
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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 claim
Just call the SABB Takaful Service Centre on
800 126 0006 and submit the relevant documents
within 60 days of the incident.
*Credit Protection is limited to an aggregate of SAR 100,000 on all types of
Credit Cards held by the Primary Cardholder.
á«fɪàF’G á«£¨àdG OhóM
≈àM …ô¡°ûdG á«fɪàF’G ábÉ£ÑdG ó«°UQ ‹ÉªLEG øe %100 •
*(᫵«°SÓµdG äÉbÉ£ÑdG) …Oƒ©°S ∫ÉjQ 50,000
…ô¡°ûdG á«fɪàF’G ábÉ£ÑdG ó«°UQ ‹ÉªLEG øe %100 •
*(á«ÑgòdG äÉbÉ£ÑdG) …Oƒ©°S ∫ÉjQ 75,000 ≈àM
áÑdÉ£ŸG ádÉM »`a
ºbQ ∞JÉ¡dG ≈∏Y πaɵJ ÜÉ°S áeóN õcôà ∫É°üJ’G iƒ°S ∂«∏Y Ée
áKOÉ◊G ïjQÉJ øe kÉeƒj 60 ∫ÓN áeRÓdG äGóæà°ùŸG Ëó≤Jh 800 126 0006
äÉbÉ£ÑdG ´GƒfCG áaÉc ≈∏Y …Oƒ©°S ∫ÉjQ 100,000 ‹ÉªLEG ≠∏ÑŸ á«fɪàF’G á«£¨àdG π°üJ*
.𫪩dG É¡∏ªëj »àdG á«fɪàF’G
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SABB Credit Protection - exclusions
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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
Participant’s 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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äGAÉæãà°S’G - ÊɪàF’G ÜÉ°S ájɪM
áæ°S 64 øY ójõJh áæ°S 18 øY ºgQɪYCG π≤J øjòdG á«°SÉ°SC’G á«fɪàF’G äÉbÉ£ÑdG ƒ∏eÉM
:»JB’G º°†J ób Iô£ÿG äÉ°VÉjôdG .ô£N hCG øeBG ÒZ •É°ûf hCG ,á≤HÉ°ùe ,á°VÉjQ ájCG ≈∏Y ÜQóàdG hCG »`a ácQÉ°ûŸG
ïdEG ...䃰TGQÉÑdÉH õØ≤dGh ,¿ƒdÉÑdÉH ¿GÒ£dG ,»YGô°ûdG ¿GÒ£dG ,∞«ØÿG ¿GÒ£dG kÓeÉ°T …ƒ÷G ¿GÒ£dG øe ´ƒf …CG
ïdEG ...»é∏ãdG »cƒ¡dG ,‹É©dG õØ≤dG ,ó«∏÷G ≈∏Y èdõàdG πãe ájƒà°ûdG äÉ°VÉjôdG
ïdEG ...¢ù£¨dG ,äÉÑcôŸÉH èdõàdG ,AÉŸG ≈∏Y èdõàdG ,ÜQGƒ≤dG äÉbÉÑ°S πãe á«FÉŸG äÉ°VÉjôdG
ïdEG ...¥ÉÑ°ùdG ,ƒdƒÑdG ,õØ≤dG ,ó«°üdG πãe π«ÿG ܃cQ äÉWÉ°ûf
ïdEG ...πÑ◊ÉH •ƒÑ¡dGh ≥∏°ùàdG ,±ƒ¡µdG ±É°ûµà°SG ,Qƒî°üdG ≥∏°ùJ ,∫ÉÑ÷G ≥∏°ùJ πãe ≥∏°ùàdG äÉWÉ°ûf
.á«°üî°ûdG äÉ°ùaÉæŸG hCG äÉ«dGôdG AGƒ°S äÉcôëª∏d ¥ÉÑ°S …CG »`a ácQÉ°ûŸG
.∫Éà≤dG ¿ƒæa øe øa …CG hCG ,áYQÉ°üŸG ,¬«JGQɵdG ,áªcÓŸG ,hOƒ÷G äÉ°VÉjQ
.äÉ©ØJôŸG øe πÑ◊ÉH õØ≤dG
¿Éc AGƒ°S ∂dòH ádhÉ …CG hCG ¬°ùØæd ¢üî°ûdG É¡H ÖÑ°ùàj »àdG áHÉ°UE’G hCG »JGòdG iPC’G hCG QÉëàf’G ádhÉ ,QÉëàf’G
∂dP ÒZ hCG kÓbÉY ¬d øeDƒŸG
¿ƒfÉ≤dG πÑb øe ¢üî°ûdG áÑbÉ©e
É¡¡HÉ°T Éeh äGQóîŸG hCG ,∫ƒëµdG ÒKCÉJ
ÖÑ°ùàdG ∂dP øe ó°ü≤dG øµj ⁄ ƒdh ≈àM ¿ƒfÉ≤∏d ∞dÉ πªY …CÉH ΩÉ«≤dG ≈∏Y IóYÉ°ùŸG hCG ΩÉ«≤dG ádhÉ hCG ΩÉ«≤dG
¢VôŸG hCG áHÉ°UE’G »`a
ÚeCÉà∏d á≤HÉ°ùdG ä’É◊G
á∏MQ »`a áØ∏µdG ´ƒaóe …QÉŒ QÉ°ùe »`a kGôaÉ°ùe ¢üî°ûdG É¡«a ¿ƒµj »àdG ádÉ◊G øY GóY áMÓŸG ∫É›
á°üNôeh ádhó›
,í∏°ùe ¿É«°üY ,Oô“ ,äÉHGô£°VG ,IQƒK ,á«∏gCG ÜôM ,(áæ∏©e ÒZ hCG áæ∏©e âfÉc AGƒ°S) ÜôM »`a ¢üî°ûdG ácQÉ°ûe
πµ°ûH ácQÉ°ûŸG âfÉc AGƒ°S ∞æY ¬«a πªY …CG hCG ,ájôµ°ùY/á«HôM ∫ɪYCG ,áæ°Uôb ,á«HÉgQEG ∫ɪYCG ,ájôµ°ùY ∫ɪYCG
AGƒ°S çƒ∏àdÉH ábÓY É¡d hCG ,…ƒ«M hCG ,»FÉ«ª«c ,…hƒf QÉéØfÉH ábÓY É¡d hCG ,ÖÑ°ùH hCG øY áŒÉf ,ô°TÉÑe ÒZ hCG ô°TÉÑe
»∏°SÉæJ ¢Vôe …CG hCG RójC’ÉH ihó©dG ¬©e ¿Éc hCG ≥jôM ¬©ÑJ
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Protection Shield
Purchase protection
Your SABB Credit Card purchases will be automatically
insured against loss, theft or accidental
damage of up to SAR 20,000.
Baggage protection
Indemnity of up to SAR 6,750 for checked-in personal
baggage if delayed, lost, stolen or destroyed during
the journey.
For more information, please call SABB Direct
800 124 8888 / +966 11 440 8888 / www.sabb.com
ájɪ◊G ´QO
äÉjΰûŸG ájɪM
hCG ¿Gó≤ØdG ó°V É¡à«£¨J ºà«°S á«fɪàF’G ÜÉ°S ábÉ£H ≈∏Y äÉjΰûŸG ™«ªL
.…Oƒ©°S ∫ÉjQ 20,000 ≈àM á°VQÉ©dG QGô°VC’G hCG ábô°ùdG
á©àeC’G ájɪM
á©àeC’G øY ¢†jƒ©àc …Oƒ©°S ∫ÉjQ 6,750 ¤EG π°üj ≠∏Ñe ≈∏Y ¿ƒ∏°üëà°S
.ôØ°ùdG AÉæKCG ∞∏à∏d ¢Vô©àJ »àdG hCG ¿Gó≤ØdG hCG ÒNCÉàdG óæY á«°üî°ûdG
âcôjGO ÜÉ°S `H ∫É°üJ’G ≈Lôj ,äÉeƒ∏©ŸG øe ójõŸG ≈∏Y ∫ƒ°üë∏d
www.sabb.com / +966 11 440 8888 / 800 124 8888
á«£¨àdG õLƒe
Summary of cover
Purchase protection
äÉjΰûŸG ájɪM
Summary of benefits
• Insures purchases made with a Visa/MasterCard Gold and Classic Credit Cards from
The Saudi British Bank (SABB) against loss, theft or accidental damage
• The cover period is up to 30 days within KSA and up to 60 days for other countries in the world
®
Limit of indemnity
• Up to SAR 10,000 per claim and a maximum of SAR 20,000 in a year for Gold Cards and up to
SAR 5,000 per claim and maximum SAR 10,000 in a year for Classic Cards
• A fee of SAR 150 will be deducted on each and every claim
Eligible persons
• Holders of valid Credit Cards issued by SABB
In the event of a claim*
Call within 7 days from the date of the incident for claims within KSA and within 30 days from the
date of the incident for claims abroad.
You will need to complete a claim form** and hand it over with the following:
• Original purchase receipt
• Photocopy of Credit Card statement
• Photocopy of purchase invoice
• Full description of the circumstances preceding the loss/damage
• Original police report in the case of lost/stolen/willfully damaged property
• Damaged property when requested
SABB will credit the value of purchase to your Credit Card with a fee of SAR 150 deducted
per claim.
Excluded items
• Property that is covered under a guarantee or warranty unless the loss is not otherwise covered
• Contact lenses and spectacles
• Dentures and other medical aids including, but not limited to, hearing aids, artificial limbs,
crutches, wheelchairs and braces
• Consumables and perishables
• Motor vehicles, motorcycles or their motors, equipment and accessories (including
communication devices intended solely for use in the vehicle), bicycles, marine craft, aircraft,
model planes and boats
• Business property or property purchased to be used for a business purpose
• Cash, bank and currency notes, cheques, traveller’s cheques, money orders, postal orders,
postage stamps, securities, negotiable instrument of any kind, bullion, rare or precious coins,
documents or tickets of any kind, unset gemstones
• Jewellery or any object made of gold or platinum, as well as pearls or precious stones. Silver
objects for personal ornament are also excluded
• Livestock, pets, animals, plants or other living creatures
• Property sold or given to others except for property that is given to spouse and children
ÉjGõŸG õLƒe
¿Gó≤ØdG ó°V ÜÉ`°S øe IQOÉ°üdGh ᫵«°SÓµdGh á«ÑgòdG OQÉcΰSÉe / Gõ«`a äÉbÉ£H ᣰSGƒH ºàJ »àdG äÉjΰûŸG ÚeCÉJ
á«°Vô©dG QGô°VC’G hCG ábô°ùdG hCG
iôNC’G ¿Gó∏Ñ∏d áÑ°ùædÉH kÉeƒj 60 ≈àMh ájOƒ©°ùdG á«Hô©dG áµ∏ªŸG »`a kÉeƒj 30 ≈àM á«£¨àdG Ióe
®
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á«£¨àdG óM
á«ÑgòdG äÉbÉ£Ñ∏d IóMGƒdG áæ°ùdG »`a …Oƒ©°S ∫ÉjQ 20,000 √Qób ≈°übCG óëHh áÑdÉ£ª∏d …Oƒ©°S ∫ÉjQ 10,000 ájɨd
᫵«°SÓµdG ábÉ£Ñ∏d …Oƒ©°S ∫ÉjQ 10,000 √Qób ≈°übCG óëHh áÑdÉ£ª∏d …Oƒ©°S ∫ÉjQ 5,000h
áÑdÉ£e πc øY …Oƒ©°S ∫ÉjQ 150 √Qób º°SQ ™£à≤j
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ÚeCÉàdG º¡«∏Y ≥Ñ£æj øjòdG ¢UÉî°TC’G
ÜÉ°S øe IQOÉ°üdGh ∫ƒ©ØŸG ájQÉ°S ¿ÉªàF’G äÉbÉ£H ƒ∏eÉM
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*áÑdÉ£ŸG ádÉM »`a
äÉÑdÉ£ª∏d áÑ°ùædÉH çOÉ◊G ïjQÉJ øe kÉeƒj 30 ∫ÓNh áµ∏ªŸG πNGO äÉÑdÉ£ª∏d áÑ°ùædÉH çOÉ◊G ïjQÉJ øe ΩÉjCG 7 ∫ÓN π°üJG
:á«dÉàdG äGóæà°ùŸG ™e ¬ª«∏°ùJh **áÑdÉ£ŸG êPƒ‰ áÄÑ©J 𫪩dG ≈∏Y Öéjh êQÉÿG »`a
AGô°ûdG ∫É°üjEG π°UCG
ÜÉ°ù◊G ∞°ûc øe IQƒ°U
AGô°ûdG IQƒJÉa øe IQƒ°U
á©∏°ùdG ¿Gó≤a / ∞∏J â≤Ñ°S »àdG ±hô¶∏d πeÉc ∞°Uh
á©∏°ù∏d óª©àŸG ∞∏àdG / ábô°ùdG / ¿Gó≤ØdG ádÉM »`a áWô°ûdG ôjô≤J π°UCG
Ö∏£dG óæY IQô°†àŸG á©∏°ùdG
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.áÑdÉ£e º°Sôc …Oƒ©°S ∫ÉjQ 150 ≠∏Ñe ¢übÉf á«fɪàF’G ºµàbÉ£H ÜÉ°ùM »`a ¢†jƒ©àdG ≠∏Ñe ´GójEÉH Ωƒ≤f ±ƒ°S
IÉæãà°ùŸG ™∏°ùdG
¿Éª°†dÉH ≈£¨e ÒZ á©∏°ùdG ¿Gó≤a øµj ⁄ Ée ¿Éª°†dÉH ádƒª°ûŸG ™∏°ùdG
äGQɶædGh á≤°UÓdG äÉ°Só©dG
±GôWC’G ,™ª°ùdG Iõ¡LCG ô°ü◊G ’ ∫ÉãŸG π«Ñ°S ≈∏Y πª°ûJh iôNC’G á«Ñ£dG IóYÉ°ùŸG πFÉ°Shh á«YÉæ°üdG ¿Éæ°SC’G º≤WCG
˃≤àdG º≤WCGh ácôëàŸG »°SGôµdG ,õ«cɵ©dG ,á«YÉæ°üdG
∞∏à∏d á∏HÉ≤dGh á«cÓ¡à°S’G OGƒŸG
ΩGóîà°S’ÉH á°UÉÿG ∫É°üJ’G Iõ¡LCG ∂dP »`a ÉÃ) äGQGƒ°ù°ùcE’Gh Iõ¡LC’G hCG É¡JÉcô hCG ájQÉædG äÉLGQódGh äGQÉ«°ùdG
äGôFÉ£dGh ÜQGƒ≤∏d Iô¨°üŸG êPɪædGh ,äGôFÉ£dGh ÜQGƒ≤dGh á«FGƒ¡dG äÉLGQódGh (IQÉ«°ùdG »`a
ájQÉŒ ¢VGôZC’ É¡eGóîà°S’ IGΰûŸG ™∏°ùdG hCG ájQÉéàdG äɵ∏ટG
á∏HÉ≤dG ájQÉéàdG ¥GQhC’Gh ájójÈdG ™HGƒ£dGh ájójÈdG ™aódG ôeGhCGh á«MÉ«°ùdG äɵ«°ûdGh äɵ«°ûdGh ájó≤ædG ¥GQhC’Gh ó≤ædG
áYƒ£≤ŸG ÒZ áÁôµdG QÉéMC’Gh âfÉc kÉjCG äÉbÉ£ÑdG hCG äGóæà°ùŸGh IQOÉædG á«fó©ŸG äÓª©dG ,∂FÉÑ°ùdG ,´ƒf …CG øe ∫hGóà∏d
á°†ØdG øe áYƒæ°üŸG äÉéàæŸG hCG á櫪ãdG QÉéMC’G hCG DƒdDƒ∏dG hCG ÚJÓÑdG hCG ÖgòdG øe ´ƒæ°üe èàæe …CG hCG äGôgƒéŸG
á«°üî°ûdG áæjõ∏d áeóîà°ùŸGh
iôNC’G á«◊G äÉæFɵdGh äÉJÉÑædGh (áØ«dC’G ÒZh É¡æe áØ«dC’G) äÉfGƒ«◊G ,á«°TÉŸG
∫ÉØWC’G hCG áLhõdG hCG êhõ∏d áeó≤ŸG äɵ∏ટG AÉæãà°SÉH øjôNBÓd IÉ£¨ŸG hCG áYÉÑŸG äɵ∏ટG
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Baggage protection
Summary of benefits
Eligible persons
Holders of valid Visa/MasterCard® Gold and Classic Credit Cards issued by SABB, their spouse
and 3 children up to 18 years (23 years if in full-time education).
Insured journey
In order to be considered an insured journey, the total travel fare incurred by the Cardholder in
respect of himself and other insured persons accompanying the Cardholder, should have been
charged to his/her Visa/MasterCard® Gold and Classic Credit Card.
Delayed baggage allowance
Indemnity for the costs of emergency purchases in case personal luggage which is checked-in
and in the custody of the commercial airline fails to arrive within 10 hours after the Cardholder
has reached his scheduled destination. This includes essential clothes and personal care products
only.
Lost baggage allowance
Indemnity for checked-in personal baggage lost, stolen or destroyed during an insured journey.
Limit of indemnity
Delayed baggage
Up to a maximum of SAR 938 for Cardholder or SAR 1,875 for Cardholder and family*.
Lost baggage
Up to a maximum of SAR 3,375 for Cardholder or SAR 6,750 for Cardholder and family*.
In the event of a claim
Written proof of claim must be given for processing within 30 days from the date of the incident
for domestic travel and 60 days from the date of the incident for international travel including the
supporting required documents**.
Exclusions
Travelled on a non-commercial carrier or ticket was not purchased using SABB Credit Card
Hand (cabin) baggage
Loss caused by or resulting from breakage of brittle or fragile articles
Loss as a result of the Cardholder’s negligent acts or omissions
Automobiles, automobile equipments, boats or other vehicles or conveyances, trailers,
motors, and bicycles
Household effects and furnishings, antiques and collector’s items
Eyeglasses, sunglasses, contact lenses, artificial teeth, dental bridges, hearing aids,
prosthetic limbs, prescribed medication
Keys, credit cards, traveller’s cheques, tickets of any kind, negotiable instruments, bullion,
rare or precious coins, cash or its equivalent
Professional or occupational equipment or property whether or not electronic business
equipment, telephones, computer hardware or software
Plants, animals
Consumables
Perishables
There is no coverage for theft or damage caused by fraud, abuse, vermin, alteration (including
cutting, sawing, shaping), war or hostilities of any kind (for example, invasion, rebellion, 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
contamination, natural disasters (including but not limited to flood, hurricane or earthquake),
mysterious disappearance (mysterious disappearance means the item vanishing in an
unexplained manner marked by the absence of evidence of the wrongful act of another) or
inherent product defect
Jewellery or any object made of gold or platinum, as well as pearls or precious stones. Silver
objects used for personal adornment are also considered to be jewellery
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Important
This summary is issued for the Cardholder’s information only and is not a contract of insurance. It
is subject to the Terms and Conditions of the respective policy, a copy of which is available for
sight on reasonable request from SABB. Any endorsement or amendments to the policy shall be
binding without prior notice to the Cardholder.
*Terms and Conditions apply.
**Claim form can be downloaded from our website www.sabb.com
á©àeC’G ájɪM
ÉjGõŸG õLƒe
ÚeCÉàdG º¡«∏Y ≥Ñ£æj øjòdG ¢UÉî°TC’G
O’hCG 3h áLhõdG / êhõdGh ,ÜÉ`°S øe IQOÉ°üdG ∫ƒ©ØŸG ájQÉ°S ᫵«°SÓµdGh á«ÑgòdG OQÉcΰSÉe / Gõ«`a äÉbÉ£H ƒ∏eÉM
.(πeÉc ΩGhóH á°SGQódG ∫ÉM »`a áæ°S 23) áæ°S 18 ôªY ≈àM
áæseDƒŸG á∏MôdG
¬d áÑ°ùædÉH ábÉ£ÑdG πeÉM πÑb øe áYƒaóŸG ôØ°ùdG ábÉ£H ᪫b ‹ÉªLEG ¿ƒµj ¿CG Öéj áæeDƒe á∏MôdG Èà©J »µd
á«ÑgòdG OQÉcΰSÉe / Gõ«`a ábÉ£H ≈∏Y äó«b ób ábÉ£ÑdG √òg πeÉ◊ Ú≤aGôŸG øjôNB’G ÚæeDƒŸG ¢UÉî°TCÓdh
.∫ƒ©ØŸG ájQÉ°S ᫵«°SÓµdGh
á©àeC’G ôNCÉJ ¢†jƒ©J
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á«°SÉ°SC’G ¢ùHÓŸG πª°ûJh .Oƒ°ü≤ŸG ó∏ÑdG ¤EG ábÉ£ÑdG πeÉM ∫ƒ°Uh ó©H äÉYÉ°S 10 ∫ÓN É¡∏«°UƒJ »`a π°ûØJh ájQÉéàdG
.§≤a á«°üî°ûdG ájÉæ©dG äÉéàæeh
á©àeC’G ¿Gó≤a ¢†jƒ©J
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®
®
¢†jƒ©àdG OhóM
á©àeC’G ôNCÉ`J
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