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Visa Signature Credit Card
Saudi Investment Bank·Visa Signature
Verified: 2026-04-04
Annual Fee
SAR 575
Rewards Rate
1.00%
APR
39.63%
Income (Y1)
SAR 25
Lounges
Yes
Network
Visa
Monthly spend:
Fees
| Annual Fee | SAR 575 inc. VAT for Silver SAR 288 inc. VAT for Gold Free for Platinum customers |
| Supplementary Card Fee | Free |
| FX Fee | 2% |
| Cash Advance Fee | 3% (max SAR 86.25) inc. VAT |
| Late Payment Fee | SAR 57.5 inc. VAT |
| Replacement Fee | SAR 17.25 inc. VAT |
| Monthly Profit Rate | 2.49% |
| APR | 39.63% |
| Grace Period | 25 days |
| Minimum Repayment | 5% (min SAR 200) |
Rewards & Benefits
Lounge Access
Program
Visa Airport Companion (1,000+ lounges)
Visits / Year
12 visits
Guests
Not included
Requires a cumulative USD 100 in international spending within the last 90 days.
Reward Rates
| Category | Points per 1 SAR | Points per 100 SAR | Value per 100 SAR | Cap |
|---|---|---|---|---|
| Domestic | 1 | 100.0 | SAR 1.00 | - |
| International | 2 | 200.0 | SAR 2.00 | - |
* Estimated point value in WooW Points program: SAR 0.01 (e-voucher) / SAR 0.005 (cash)
Other Benefits
- 24/7 Concierge service
- Visa Luxury Hotels Collection (900+ properties)
- The Entertainer app
- Rental Collision Damage Waiver (50,000 USD/year)
- Event Ticket Cancellation (250 USD/ticket)
- Meet & assist services
- Extended warranty
- Purchase protection
- Digital wallet support (Apple Pay, mada Pay, Samsung Pay)
Annual Income
Annual Income Calculation
| Annual fee(inc. VAT) | - SAR 575 |
| Rewards for spending | + SAR 600 |
| Income (First Year) | + SAR 25 |
| Annual fee(inc. VAT) | - SAR 575 |
| Rewards for spending | + SAR 600 |
| Income (Second Year) | + SAR 25 |
Income = rewards − fee + welcome bonus. Values based on SAR 5,000/month.
This card has tiered annual fees. Calculation uses the highest fee tier.
Redemption
WooW Rewards Program Redemption
Redemption Value
| Redemption Method | Value per 1,000 points |
|---|---|
| E-vouchers / Rewards marketplace | SAR 10 |
| Cash / Account credit | SAR 5 |
Redemption Partners
E-gift cardsWooW E-CatalogQitaf PointsTravel MilesWooW Alkhair charities
Requirements
Application Requirements
| ID | Valid National ID or Iqama |
| Bank statement | In some cases |
| Salary certificate | From employer |
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