• For every SAR 5, earn*:
• 2 Skywards Miles on Emirates spends
• 1.5 Skywards Miles on foreign currency spends (non-SAR currency)
• 1 Skywards Mile on local currency spends (SAR currency)
• Skywards Miles will be credited to the primary cardholder's Emirates Skywards account within 48 hours of the billed transaction.
• Transactions that are not eligible to earn Skywards Miles include, but are not limited to, balance transfers, conversion to instalment plans, any fees and charges paid on the card account; transactions that the Bank decides are disputed, unauthorised, illegal and/or fraudulent.
• The number of Skywards Miles earned from credit card spends will be displayed on the primary cardholder's monthly credit card statement.
• Where a refund is made on a card, the Skywards Miles total will be adjusted accordingly by SAB from subsequent Miles earnings.
• Skywards Miles earned by supplementary cardholders will be credited to the primary cardholder’s Emirates Skywards account.
• Current Emirates Skywards members have the responsibility to enter their existing membership number when applying for the card. Please note, the Emirates Skywards membership number entered must be for an Emirates Skywards account in the cardholder’s name.
• If the cardholder is not an existing Emirates Skywards member, the personal information will be shared by the Bank with Emirates to enrol the cardholder in the Emirates Skywards programme.
• Emirates Skywards programme rules apply.

*The following merchant categories will earn 90% less miles *(Effect from 1st of December 2023)

• Educations • Donation • Barbershops and Beauty • Utilities and Governments fees • Insurance and IPOs
• Real-estate and Rentals • Gas stations • Automobile sales and maintenance 
• Transportation, Roads, parking lots   • Cleaning Garment and Laundry Services

Emirates spends are categorized as transactions made on emirates.com or at the Emirates Sales office.
Local currency spends are eligible transactions in SAR currency, even if made outside KSA.
Foreign currency spends are eligible transactions in a foreign currency, even if made within KSA.

• The primary cardholder will get complimentary Emirates Skywards Silver status for 12 months subject to a single minimum purchase of SAR 1,500 on Emirates spend within the first 12 months from card issuance date.
• Please allow up to 21 days from achieving the minimum qualifying spend criteria to be enrolled or upgraded to Emirates Skywards Silver membership.
• An email confirmation of your membership status will be sent with instructions on how to view and download your Emirates Skywards Silver digital card.
• To retain the Emirates Skywards Silver membership for the second year onwards, the cardholder needs to meet the required criteria set by Emirates Skywards. In case the criteria is not met the cardholder will be downgraded to Blue membership.
• If you’re an existing Emirates Skywards Silver member, your Silver status will be extended for one year from the SAB Emirates Signature Credit Card approval date. If the cardholder is an existing Emirates Skywards Gold or Platinum member, their existing membership status will not be affected.
• Emirates Skywards programme rules apply

• The primary cardholder will earn 10,000 bonus Miles after a cumulative spend of SAR 10,000 within the first three months from the card issuance date
• These bonus Miles can be earned only once.

• The SAB Emirates Signature Credit Card provides access to the Business Class check-in desks when travelling Emirates in Economy Class from Saudi Arabia. This benefit is only applicable at airports in Saudi Arabia where Emirates flies from.
• You can enjoy this benefit when you have purchased a ticket with your SAB Emirates Signature Credit Card by simply presenting your card at the check-in counter.
• You may utilise this benefit unlimited times when travelling Economy Class from Saudi Arabia.
• This is applicable to the primary cardholder and accompanying family members.

To make the most of this offer, a member needs to transact with Emirates Holidays through the two sales channels mentioned below.

• Retail Stores – The customer can visit the Emirates Holidays retail store and pay with their SAB Emirates Signature Credit Card to receive 5% off.
• Call centre –SAB Emirates Signature Credit Cardholders can call Emirates Holidays and provide their credit card number to make the payment and avail of the discount.

• The primary cardholder can enjoy this offer by purchasing Miles with their SAB Emirates Signature Credit Card on emirates.com
• The cardholder has to log in to their Emirates Skywards account and use the purchase of Miles feature and enter their SAB Emirates Signature Credit Card details.
• The minimum number of Miles that can be purchased at one time is 2,000 Skywards Mile
• The maximum number of Miles that can be purchased every year is 25,000 Skywards Miles.
• Skywards Miles can be purchased at any time within the prescribed limits but must be purchased at least 48 hours prior to making a booking/redemption.
• Refunds in respect of Skywards Miles purchased are not permitted
• Tier Miles cannot be purchased.
• To read the detailed terms and conditions of purchase of Miles, please visit this page.

• Unlimited access to over 1,000 lounges worldwide via LoungeKey. The cardholder can use all lounges under the LoungeKey programme offered by VISA
• The SAB Emirates Signature Credit cardholder is entitled to unlimited access to more than 1,000 lounges worldwide. Any accompanying guests will be charged USD 32 per person.
• To avail this benefit, the card needs to be presented at the lounge reception.
• For more details and applicable lounge locations and terms & conditions, please visit this page or download the LoungeKey App.

The 24-hour concierge provides a personal service to SAB Visa Signature cardholders, taking care of all the details so they can simply take their seats and enjoy.

Servicing in English, Arabic, and French, concierge agents can help with:

• Restaurant advice
• Booking tables, including those that are hard-to-get
• Travel arrangements: booking flights, hotels, car rental, hotel transfers, tourist advice
• Shopping recommendations, sourcing a product
• Arranging a special gift, sending flowers

Concierge Contact Numbers:

International Numbers:

• +973 1667 5426
• +971 4361 1234
• +44 207 8502829

Local Numbers:

• Saudi Arabia: 8008443488
• United Arab Emirates: 80004413487
• Egypt: 8006092753
• Jordan: 8006092535
• Lebanon 8006571363
• Morocco: 8006092753
• Oman: 0096880074191
• Pakistan: 0080090044051
• Bahrain: 80004197

Visa has partnered with DragonPass to exclusively offer an airport dining discount program for MENA cardholders called ‘DragonPass Dine & Travel’

• 200+ restaurants globally, made up of key locations in both MENA home markets and travel corridors
• Discounts vary by merchant, and are visible in the mobile app
• Cardholders must first register for the app
• Once registered, cardholders can search for restaurants in airports they are travelling to or from
• If cardholder wishes to utilize a discount at a restaurant, they
• Visit the restaurant
• Advise the restaurant staff they are going to utilize their DragonPass Dine & Fly discount
• Choose the restaurant within the app
• Select ‘Redeem
• Then present their phone with barcode screen to restaurant staff
• Updated bill with discount applied will be provided

YQ is a global network of specialist airport meet & assist service partners. For SAB Emirates Signature cardholders it means that getting through airports can be the personalized, pleasant experience they deserve.

• Available at over 450 airports worldwide
• Clearance through customs and immigrations
• Up to 25% off on published rates

Further instructions:

• Visa Signature cardholders can book via https://cemea.yqnowgroup.com/ and the applicable discount is applied directly to the transaction
• Booking for the services must be made at least 72 hours prior to commencement of travel
• Offer not to be used in conjunction with other promotions
• Cardholders can also book other services such as limo transfer, visa on arrival, baggage porters, etc.

Earn Skywards Miles and enjoy discounts when you rent a car with Avis and with the SAB Emirates Signature card..

• Up to 35% discount on Standard Rates and 30% off international leisure rates
• Simply visit this page to avail the offer

Credit Card Protection
For more information, please visit this page.

• When using a SAB Emirates Signature Credit Card to pay for an airline ticket, the cardholder will receive complimentary travel insurance for that trip.
• Terms and conditions apply
• Cardholder can populate Certificates of Insurance for visa purposes by visiting this page. (Access code: Aspire2016)

• Cardholders will enjoy peace of mind when shopping with their Visa Signature card and benefit from Purchase Protection (applicable for lost, stolen or damaged goods purchased within 360 days of the purchase date)
• For more information, claiming proposes, and T&C’s, please visit this page.

• Cardholders can benefit of Extended Warranty on their purchases when paying with their Visa Signature up to 12 months
• For more information, claiming processes, and T&C’s, please visit this page.

• All Visa Signature cards will be protected against unauthorized transactions or fraudulent use of their card by unrelated third parties.
• For more information, claiming proposes, and T&C’s, please visit this page.

• SAB Credit Card Cardholders are able to convert eligible transactions to AQSAT 0% annual percentage rate for all merchants by selecting the most convenient repayment duration for low fee
• For more information, please visit: AQSAT T&Cs