Through meem app or website > side menu > suggested products > Credit Cards
Last update on 11/5/2024
Our Credit Card offers a range of features and benefits including a flexible installment program, a generous rewards program, low FX charges, purchase protection, exclusive access to 25 airports lounges across the world using the Visa Airport Companion App.
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Airport lounge access to 25 lounges globally using Visa Airport Companion App, for a seamless and more secure experience. Download the app now and click below for more information.
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Convert purchases into installment plans for up to 24 months starting from 0%
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Near Field Communication for contactless and fast transactions
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Supplementary cards available
“Safe Mode” for extra security when needed
Buyer’s protection
mada Pay enabled
Apple Pay enabled
PCI DSS compliant.
We offer competitive FX rates making meem Credit Card a perfect companion for travel.
| Saudi | Expatriates | |
|---|---|---|
| Fulfilment |
STP: If the customer has provided a GOSI certificate |
STP: If the customer has provided a GOSI certificate |
| OnePack a/c held |
Yes |
Yes |
| Minimum Age at Commencement (Years-G) |
18 |
18 |
| Maximum Age at Maturity (Years-G) |
Employed: Retirement age Retired: 65 |
55 |
| Minimum salary (SAR) |
Government and semi-government: 2,000 |
Government & semi-government: 7,500 |
| Minimum current employment period |
1 Month |
3 Months |
| Minimum existing SIMAH history |
No requirement for minimum credit history for any borrower |
No requirement for minimum credit history for any borrower |
| GDBR (as per SAMA Responsible Lending Principles) |
|---|
| Credit Card | Charges |
|---|---|
|
Annual fee primary card |
SAR 350* Free for life till 31 December 2024
|
|
Annual fee supplementary card |
SAR 50 |
|
Late payment fees |
SAR 100** |
|
Credit card re-issue |
SAR 30 |
|
Cash advance fees: |
|
|
For cash advance up to SAR 5,000 |
SAR 75 |
|
For cash advance greater than SR 5,000 |
3% of the transaction amount and subject of a maximum of SAR 300 |
|
Credit card dispute fee (if wrong dispute) |
SAR 50 |
|
Account Balance enquiry on ATM |
Free |
|
FX rate |
2.75% |
*meem Digital Banking has the right to cancel the Credit Card if not been activated within 90 days.
** The collected late payment fees are paid on your behalf for charity activities as per the guidelines and supervision of the Shari’ah Supervisory Board.
Fees and charges are excluded the VAT.
Terms and conditions apply.
Annual Percentage Rate (APR)
Monthly Profit Rate
Minimum repayment Amount
Months until Balance Repaid
48.92%
2.85%
5%
98 months
**If a customer only makes minimum payments on an initial outstanding principal balance of SAR 10,000/with a term of 12 months of the total limit drawn out on the 1st of January of every Gregorian year - it will take the customer 9 years to repay in full of a Total profit margin of SAR 10.323/- assuming there is no annual fee and no charges, like late payment fee and no further spending and considering Annual profit margin at the rate of 34.2%
* Sum of total limit of your credit cards
** All installments other than home finance
CalculateStart over
Profit
Rate
Annual
Charge
Tenor
Minimum
Monthly Amount Due
Credit Limit
Credit Card Annual
Percentage Rate (APR)
- Credit Card APR is based on rough estimate.
- If there is no annual fee associated to your Credit Card the APR will be furthered reduced.
- This calculation is subject to change depending on the influencing factors such as consumer’s credit records.
Apply NowThrough meem app or website > side menu > suggested products > Credit Cards
Through meem app or meem website by clicking on the card then on the activation option
Or through the IVR by calling 8001166336
Through meem app or website > card > Plus sign "+" > Safe Mode
Card statement will be generate on 7th of every month
And customer can get it from mail box in meem app
Due date is 28th of every month
Yes you can from meem app by clicking on the Card > Plus sign "+" > Change the PIN
You can pay the due amount through transferring the amount from you current account to your credit card account
Through calling us on 8001166336 and raising a cancellation request
Yes you can from meem app by clicking on the Card > Plus sign "+" > New Supplementary Credit Card
You can issue up to 4 cards for first degree relatives
Login to the Visa Airport Companion App and enter your card information.
: All accessible lounges will be shown in the Visa Airport Companion App.
No, access to lounges cannot be obtained with your physical Visa card. To gain lounge entry, please make sure to register on the Visa Airport Companion App prior to your visit.
Yes, entering your Visa card details is necessary for registration on the app. Should you receive a new card (due to loss, theft, or expiration), you will need to update your details accordingly.
Depending on your card type, you can bring guests to the lounges. If you don’t have complimentary guest visits, you can still invite guests for an additional fee, which will be charged to your registered Visa card.
No, you must complete your registration through the app prior to accessing the lounge. You can register from anywhere with internet access. We strongly advise registering ahead of time to ensure a seamless entry.
The Cardholder is entitled to 6 lounge visits each calendar year. Any guest visits, as well as any additional visits beyond the free entitlement, will incur a charge of $32 per person per visit. Your complimentary visits will renew on January 1st of each year.
Gulf International Bank - Saudi Arabia, a Saudi Closed Joint Stock company with a capital of SAR (7,500,000,000), Commercial Registration No. (2052001920), Unified Number (7001399042), P.O. Box 93, Al Khobar 31952, Kingdom of Saudi Arabia, Telephone +966 13 866 4000, National Address: 5515 Cooperative Council Road - Al Khuzama Area, Unit No. 54, Al Khobar 34721-8208, Website: https://www.gib.com/ksa/en, Licensed with number: (2007) and it is under the supervision and control of The Saudi Central Bank.
