‫ﻧﻤﻮذج ﻃﻠﺐ ﺑﻄﺎﻗﺔ اﻷول اﻻﺋﺘﻤﺎﻧﻴﺔ‬

SAB Credit Card Application

‫اﻷول اﻟﻔﺮﺳﺎن ﺑﻼك ﻛﺎرد ﻟﻠﺴﻔﺮ‬ ‫اﻷول ﻣﺎﺳﺘﺮﻛﺎرد اﻟﺒﻼﺗﻴﻨﻴﺔ‬ ‫ﺑﺮﻳﻤﻴﻴﺮ ﻣﺎﺳﺘﺮﻛﺎرد‬
SAB AlFursan Black Travel Card SAB Platinum Mastercard Premier Mastercard

‫اﻟﺘﻮﻗﻴﻊ‬ ‫اﻟﺘﻮﻗﻴﻊ‬ ‫اﻟﺘﻮﻗﻴﻊ‬

Signature Signature Signature

‫أدﻓﺎﻧﺲ ﻓﻴﺰا‬ ‫اﻷول اﻹﻣﺎرات‬ ‫اﻷول ﻓﻴﺰا ﺳﻴﺠﻨﻴﺘﺸﺮ‬

Advance Visa SAB Emirates SAB Visa Signature

‫اﻟﺘﻮﻗﻴﻊ‬ ‫اﻟﺘﻮﻗﻴﻊ‬ ‫اﻟﺘﻮﻗﻴﻊ‬

Signature Signature Signature

‫اﻷول ﻓﻴﺰا اﻟﺒﻼﺗﻴﻨﻴﺔ‬ ‫اﻷول ﻟﻼﺳﺘﺮداد اﻟﻨﻘﺪي اﻟﺒﻼﺗﻴﻨﻴﺔ‬

SAB Visa Platinum SAB Cashback Platinum

‫اﻟﺘﻮﻗﻴﻊ‬ ‫اﻟﺘﻮﻗﻴﻊ‬
Signature Signature

When applying for two cards and in the event the bank rejected the ‫ﺑﻨﺎء‬
ً ‫ﻋﻨـــﺪ اﻟﺘﻘـــﺪم ﻟﻠﺤﺼﻮل ﻋﻠـــﻰ ﺑﻄﺎﻗﺘﻴﻦ وﻓﻲ ﺣﺎﻟـــﺔ رﻓﺾ اﻟﺒﻨﻚ ﻹﺻـــﺪار إﺣﺪاﻫﺎ‬
issuance of one of them based on customer solvency or bank criteria, ‫ ﺳـــﻴﻘﻮم اﻟﺒﻨـــﻚ ﺑﺈﺻـــﺪار إﺣـــﺪى‬، ‫ﻋﻠـــﻰ ﻣﻼﺋـــﺔ اﻟﻌﻤﻴـــﻞ اﻟﻤﺎﻟﻴـــﺔ أو ﻣﻌﺎﻳﻴـــﺮ اﻟﺒﻨـــﻚ‬
the bank will issue one of the pre-selected cards by the customer in ً
.‫وﻓﻘﺎ ﻟﺘﻘﺪﻳﺮه‬ ‫ﻣﺴـــﺒﻘﺎ ﻣﻦ ﻗﺒﻞ اﻟﻌﻤﻴﻞ ﻓﻲ ﻧﻤـــﻮذج اﻟﻄﻠﺐ‬ ً ‫اﻟﺒﻄﺎﻗـــﺎت اﻟﻤﺨﺘﺎرة‬
the application form according to its discretion.

Personal information ‫اﻟﺒﻴﺎﻧﺎت اﻟﺸﺨﺼﻴﺔ‬

Name, as it should appear on the Card: :‫ ﻛﻤﺎ ﺗﻮد أن ﻳﻈﻬﺮ ﻋﻠﻰ اﻟﺒﻄﺎﻗﺔ‬، ‫اﺳﻤﻚ‬
(not to exceed 20 characters
including spaces) (‫ﺷﺎﻣﻼ اﻟﻤﺴﺎﻓﺎت‬
ً ‫ ﺧﺎﻧﺔ‬20 ‫)ﻻ ﻳﺰﻳﺪ ﻋﻦ‬

Full Name: :‫اﻻﺳﻢ اﻟﻜﺎﻣﻞ‬

ID No. (for Saudis) or Iqama No. (for Non-Saudis) ‫رﻗﻢ ﺑﻄﺎﻗﺔ اﻷﺣﻮال ﻟﻠﺴﻌﻮدﻳﻴﻦ أو رﻗﻢ اﻹﻗﺎﻣﺔ ﻟﻠﻤﻘﻴﻤﻴﻦ‬
(‫ﻏﻴﺮ ﺳﻌﻮدي )ﻳﺮﺟﻰ اﻟﺘﺤﺪﻳﺪ‬ ‫ﺳﻌﻮدي‬
Nationality: :‫اﻟﺠﻨﺴﻴﺔ‬
Non-Saudi (please specify) Saudi

Gender: Female ‫أﻧﺜﻰ‬ Male ‫ذﻛﺮ‬ : ‫اﻟﺠﻨﺲ‬

Marital Status: Single ‫أﻋﺰب‬ Married ‫ﻣﺘﺰوج‬ :‫اﻟﺤﺎﻟﺔ اﻻﺟﺘﻤﺎﻋﻴﺔ‬
Residence: Apartment ‫ﺷﻘﺔ‬ Villa ‫ﻓﻴﻼ‬ :‫اﻟﺴﻜﻦ‬
Own a Car: No ‫ﻻ‬ Yes ‫ﻧﻌﻢ‬ :‫ﻫﻞ ﺗﻤﻠﻚ ﺳﻴﺎرة‬
Education: Under Grad./ Grad. ‫ دراﺳﺎت ﻋﻠﻴﺎ‬/ ‫ﺟﺎﻣﻌﻲ‬ Secondary & Lower ‫ﺛﺎﻧﻮي وﻣﺎدون‬ :‫اﻟﺪراﺳﺔ‬
Educated: Overseas ‫ﺧﺎرج اﻟﺴﻌﻮدﻳﺔ‬ Saudi Arabia ‫اﻟﺴﻌﻮدﻳﺔ‬ : ‫ﻣﻜﺎن اﻟﺘﻌﻠﻴﻢ‬

Mobile: :‫اﻟﺠﻮال‬ Tel. home: :‫ﻫﺎﺗﻒ اﻟﻤﻨﺰل‬

Email Address : :‫اﻟﺒﺮﻳﺪ اﻹﻟﻜﺘﺮوﻧﻲ‬ Office: :‫ﻫﺎﺗﻒ اﻟﻌﻤﻞ‬

Ext. ‫ﺗﺤﻮﻳﻠﺔ‬

SAB Customer: No ‫ﻻ‬ Yes ‫ﻧﻌﻢ‬ :‫ﻋﻤﻴﻞ اﻷول‬

SAB Account Number: :‫رﻗﻢ ﺣﺴﺎﺑﻚ ﻣﻊ اﻷول‬

Your Employment ‫ﻋﻤﻠﻚ‬

Joining Date: MM ‫اﻟﺸﻬﺮ‬ YYYY ‫اﻟﺴﻨﺔ‬ :‫ﺗﺎرﻳﺦ اﻻﻟﺘﺤﺎق‬ Organization Name: :‫اﺳﻢ اﻟﻤﻨﺸﺄة‬

Position / Title: :‫اﻟﻤﺴﻤﻰ اﻟﻮﻇﻴﻔﻲ‬

Occupation: Self-Employed ‫ﻋﻤﻞ ﺧﺎص‬ Salaried ‫ﻣﻮﻇﻒ‬ :‫اﻟﻮﻇﻴﻔﺔ‬

Employment Sector: Private ‫ﺧﺎص‬ Government ‫ﺣﻜﻮﻣﻲ‬ :‫ﻗﻄﺎع اﻟﻌﻤﻞ‬

Total Monthly Income (in SAR): :(‫اﻟﺪﺧﻞ اﻟﺸﻬﺮي اﻹﺟﻤﺎﻟﻲ )ﺑﺎﻟﺮﻳﺎل اﻟﺴﻌﻮدي‬

SCCA 30-07-2025 Page 01 - 16

‫‪Residential Address‬‬ ‫ﻋﻨﻮان اﻟﺴﻜﻦ‬

‫‪* Mandatory Fields‬‬ ‫* ﺣﻘﻮل إﻟﺰاﻣﻴﺔ‬

‫( ‪National Address‬‬ ‫‪):*Additional No.:‬‬ ‫* اﻟﺮﻗﻢ اﻹﺿﺎﻓﻲ‪:‬‬ ‫‪Unit No.:‬‬ ‫(‪ :‬رﻗﻢ اﻟﻮﺣﺪة‪:‬‬ ‫اﻟﻌﻨﻮان اﻟﻮﻃﻨﻲ )‬

‫‪* Bldg No.:‬‬ ‫* رﻗﻢ اﻟﻤﺒﻨﻰ‪:‬‬ ‫‪* City:‬‬ ‫* اﻟﻤﺪﻳﻨﺔ‪:‬‬

‫‪* Postal Code:‬‬ ‫* اﻟﺮﻣﺰ اﻟﺒﺮﻳﺪي‪:‬‬ ‫‪Area:‬‬ ‫اﻟﺤﻲ‪:‬‬

‫‪Street:‬‬ ‫اﻟﺸﺎرع‪:‬‬

‫)‪Address in Home Country (For Non-Saudi Only‬‬ ‫اﻟﻌﻨﻮان ﻓﻲ اﻟﺒﻠﺪ اﻷم )ﻟﻐﻴﺮ اﻟﺴﻌﻮدﻳﻴﻦ ﻓﻘﻂ(‬

‫‪* Phone:‬‬ ‫* ﻫﺎﺗﻒ‪:‬‬

‫‪* Country:‬‬ ‫* اﻟﺪوﻟﺔ‪:‬‬

‫‪* City:‬‬ ‫* اﻟﻤﺪﻳﻨﺔ‪:‬‬

‫‪Membership details for‬‬ ‫ﻣﻌﻠﻮﻣﺎت رﻗﻢ اﻟﻌﻀﻮﻳﺔ ﻟﺒﻄﺎﻗﺎت‬

‫)‪(SAB AlFursan and Emirates‬‬ ‫)اﻷول اﻟﻔﺮﺳﺎن و اﻹﻣﺎرات(‬

‫?‪Are you an Emirates Skywards member‬‬ ‫‪No‬‬ ‫ﻻ‬ ‫‪Yes‬‬ ‫ﻧﻌﻢ‬ ‫ﻫﻞ أﻧﺖ ﻋﻀﻮ ﻓﻲ ﺳﻜﺎي واردز ﻃﻴﺮان اﻹﻣﺎرات؟‬

‫‪If yes, please provide your Emirates Skywards‬‬ ‫إذا ﻛﺎﻧﺖ اﻹﺟﺎﺑﺔ ﻧﻌﻢ‪ ،‬ﻳﺮﺟﻰ إﻋﻄﺎء رﻗﻢ اﻟﻌﻀﻮﻳﺔ‬
‫‪membership number and tier:‬‬ ‫وﻓﺌﺔ ﺳﻜﺎي واردز ﻃﻴﺮان اﻹﻣﺎرات‪:‬‬

‫‪Platinum‬‬ ‫اﻟﻔﺌﺔ اﻟﺒﻼﺗﻴﻨﻴﺔ‬ ‫‪Gold‬‬ ‫اﻟﻔﺌﺔ اﻟﺬﻫﺒﻴﺔ‬ ‫‪Silver‬‬ ‫اﻟﻔﺌﺔ اﻟﻔﻀﻴﺔ‬ ‫‪Blue‬‬ ‫اﻟﻔﺌﺔ اﻟﺰرﻗﺎء‬

‫?‪Are you an AlFursan member‬‬ ‫‪No‬‬ ‫ﻻ‬ ‫‪Yes‬‬ ‫ﻧﻌﻢ‬ ‫ﻫﻞ أﻧﺖ ﻋﻀﻮ ﻓﻲ اﻟﻔﺮﺳﺎن؟‬

‫‪If yes, please provide your AlFursan‬‬ ‫إذا ﻛﺎﻧﺖ اﻹﺟﺎﺑﺔ ﻧﻌﻢ‪ ،‬ﻳﺮﺟﻰ إﻋﻄﺎء رﻗﻢ‬
‫‪membership number:‬‬ ‫ﻋﻀﻮﻳﺔ اﻟﻔﺮﺳﺎن‪:‬‬

‫‪Payment Instruction‬‬ ‫ﻃﺮﻳﻘﺔ اﻟﺴﺪاد‬

‫)‪(I authorize SAB to auto-debit my above-mentioned account‬‬ ‫)أﻓﻮض اﻷول ﺑﺎﻟﺨﺼﻢ اﻟﺘﻠﻘﺎﺋﻲ ﻣﻦ اﻟﺤﺴﺎب اﻟﻤﺬﻛﻮر أﻋﻼه(‬
‫‪Monthly Payment‬‬ ‫ﺗﺴﺪﻳﺪ ﺷﻬﺮي‬

‫‪Monthly Full Amount‬‬ ‫ً‬

‫ﺷﻬﺮﻳﺎ‬ ‫ﺗﺴﺪﻳﺪ ﻛﺎﻣﻞ اﻟﻤﺒﻠﻎ‬ ‫‪Minimum Amount 5%‬‬ ‫اﻟﺤﺪ اﻷدﻧﻰ ﻟﻠﺪﻓﻊ ‪%5‬‬

‫‪Card Delivery Instructions‬‬ ‫ﺗﻌﻠﻴﻤﺎت اﺳﺘﻼم اﻟﺒﻄﺎﻗﺔ‬

‫‪Instant Card Issuance‬‬ ‫إﺻﺪار ﻓﻮري ﻟﻠﺒﻄﺎﻗﺔ‬ ‫‪Registered Mail‬‬ ‫ﺑﻮاﺳﻄﺔ اﻟﺒﺮﻳﺪ اﻟﻤﺴﺠﻞ‬ ‫‪Courier‬‬ ‫اﻟﺒﺮﻳﺪ اﻟﺴﺮﻳﻊ‬

‫)‪Supplementary Card (free of charge‬‬ ‫ﺑﻄﺎﻗﺔ إﺿﺎﻓﻴﺔ )ﺑﺪون رﺳﻮم(‬

‫‪Others (please specify):‬‬ ‫ﻏﻴﺮﻫﺎ )ﻳﺮﺟﻰ اﻟﺘﺤﺪﻳﺪ(‪:‬‬ ‫‪Miss‬‬ ‫اﻵﻧﺴﺔ‬ ‫‪Mrs‬‬ ‫اﻟﺴﻴﺪة‬ ‫‪Mr‬‬ ‫اﻟﺴﻴﺪ‬

‫‪Mobile:‬‬ ‫اﻟﺠﻮال‪:‬‬ ‫‪Full Name:‬‬ ‫اﻻﺳﻢ اﻟﻜﺎﻣﻞ‪:‬‬

‫‪Name, as it should appear on the card:‬‬ ‫اﺳﻤﻚ ﺑﺎﻟﻠﻐﺔ اﻹﻧﺠﻠﻴﺰﻳﺔ ﻛﻤﺎ ﺗﻮد أن ﻳﻈﻬﺮ ﻋﻠﻰ اﻟﺒﻄﺎﻗﺔ‪:‬‬

‫‪(not to exceed 20 characters‬‬

‫ﺷﺎﻣﻼ اﻟﻤﺴﺎﻓﺎت(‪:‬‬
‫ً‬ ‫)ﻻ ﻳﺰﻳﺪ ‪ 20‬ﺧﺎﻧﺔ‬
‫)‪including spaces‬‬

‫رﻗﻢ ﺑﻄﺎﻗﺔ اﻷﺣﻮال‬ ‫‪ID/ Iqama‬‬ ‫ﺗﺎرﻳﺦ اﻧﺘﻬﺎء ﺑﻄﺎﻗﺔ‬

‫‪ID/Iqama No.‬‬ ‫اﻟﻴﻮم ‪DD‬‬ ‫اﻟﺸﻬﺮ ‪MM‬‬ ‫‪YYYY‬‬ ‫اﻟﺴﻨﺔ‬
‫أو اﻹﻗﺎﻣﺔ‬ ‫‪expiry date‬‬ ‫اﻷﺣﻮال أو اﻹﻗﺎﻣﺔ‬

‫‪Relationship with the‬‬ ‫ﺻﻠﺔ اﻟﻘﺮاﺑﺔ ﻣﻊ ﺻﺎﺣﺐ‬

‫‪Principal Cardholder:‬‬ ‫اﻟﺒﻄﺎﻗﺔ اﻷﺳﺎﺳﻴﺔ‪:‬‬ ‫اﻟﻴﻮم ‪Date of Birth DD‬‬ ‫اﻟﺸﻬﺮ ‪MM‬‬ ‫‪YYYY‬‬ ‫اﻟﺴﻨﺔ‬ ‫ﺗﺎرﻳﺦ اﻟﻤﻴﻼد‬

‫‪Page 02 - 16‬‬
‫‪Declaration‬‬ ‫ﺗﺼﺮﻳﺢ‬

‫‪We pledge our commitment to provide (Saudi Awwal Bank) with all‬‬ ‫ﻧﺘﻌﻬـــﺪ ﺑﺈﻟﺘﺰاﻣﻨـــﺎ ﻋﻠـــﻰ ﺗﺰوﻳﺪ )اﻟﺒﻨـــﻚ اﻟﺴـــﻌﻮدي اﻷول( ﺑﺠﻤﻴـــﻊ اﻟﻤﻌﻠﻮﻣﺎت اﻟﺘﻲ‬
‫‪the information related to our accounts/entity’s accounts including,‬‬ ‫ﺗﺨـــﺺ ﺣﺴﺎﺑﺎﺗﻨﺎ‪/‬ﺣﺴـــﺎﺑﺎت اﻟﻤﻨﺸـــﺄة ﺑﻤـــﺎ ﻓـــﻲ ذﻟـــﻚ ﻋﻠﻰ ﺳـــﺒﻴﻞ اﻟﻤﺜـــﺎل ﻻ اﻟﺤﺼﺮ‬
‫‪but not limited to, data related to opening, auditing and/or managing‬‬ ‫اﻟﺒﻴﺎﻧـــﺎت اﻟﺘـــﻲ ﺗﺘﻌﻠـــﻖ ﺑﻔﺘـــﺢ و‪/‬أو ﺗﺪﻗﻴﻖ و‪/‬أو إدارة ﺣﺴـــﺎﺑﺎﺗﻨﺎ و‪/‬أو اﻟﺘﺴـــﻬﻴﻼت‬
‫‪our accounts and/or credit facilities. We also authorize Saudi Awwal‬‬ ‫ً‬
‫ﺗﻔﻮﻳﻀﺎ ﻏﻴﺮ ﻗﺎﺑﻞ ﻟﻺﻟﻐﺎء‬ ‫اﻻﺋﺘﻤﺎﻧﻴـــﺔ‪ .‬ﻛﻤﺎ ﻧﻔﻮض اﻟﺒﻨﻚ اﻟﺴـــﻌﻮدي اﻷول )اﻷول(‬
‫‪Bank (SAB) irrevocably and irreversibly to review all necessary credit‬‬ ‫وﻻ رﺟﻌـــﺔ ﻓﻴﻪ ﺑـــﺎﻹﻃﻼع وﻣﺮاﺟﻌﺔ ﻛﺎﻓﺔ اﻟﺒﻴﺎﻧـــﺎت اﻻﺋﺘﻤﺎﻧﻴﺔ اﻟﻼزﻣـــﺔ اﻟﺘﻲ ﺗﺨﺼﻨﺎ‬
‫‪data pertaining to us or to the entity through our credit record/‬‬ ‫أو ﺗﺨﺺ اﻟﻤﻨﺸـــﺄة ﻋﺒﺮﺳﺠﻠﻨﺎ‪/‬ﺳـــﺠﻞ اﻟﻤﻨﺸـــﺎة اﻻﺋﺘﻤﺎﻧﻴﺔ ﻟﺪى اﻟﺸـــﺮﻛﺔ اﻟﺴـــﻌﻮدﻳﺔ‬
‫‪entity’s record at the Saudi Credit Bureau (SIMAH), as well as to‬‬ ‫ﻟﻠﻤﻌﻠﻮﻣـــﺎت اﻻﺋﺘﻤﺎﻧﻴـــﺔ )ﺳـــﻤﺔ( وﺗﺰوﻳﺪﻫـــﺎ اﻹﻓﺼـــﺎح ﻟﻠﺸـــﺮﻛﺔ اﻟﺴـــﻌﻮدﻳﺔ‬
‫‪provide and disclose to Saudi Credit Bureau all information related to‬‬ ‫ﻟﻠﻤﻌﻠﻮﻣـــﺎت اﻻﺋﺘﻤﺎﻧﻴـــﺔ ﻋﻦ ﻛﺎﻓـــﺔ اﻟﺒﻴﺎﻧﺎت واﻟﻤﻌﻠﻮﻣـــﺎت اﻟﺨﺎﺻﺔ ﺑﻨﺎ‪/‬ﺑﺎﻟﻤﻨﺸـــﺄة‪.‬‬
‫‪us or the entity. Noting that this pledge and authorization includes‬‬ ‫ﻋﻠﻤـــﺎ ﺑـــﺄن ﻫـــﺬا اﻟﺘﻌﻬـــﺪ واﻟﺘﻔﻮﻳﺾ ﻳﺸـــﻤﻞ أي ﺷـــﺮﻛﺔ ﻣﺮﺧـــﺺ ﻟﻬﺎ أو ﻗﺪ ﺗﻨﺸـــﺄ‬
‫‪any licensed company or may be licensed by SAMA to engage in‬‬ ‫ﺑﻤﻮﺟﺐ ﺗﺮﺧﻴﺺ ﻣﻦ اﻟﺒﻨﻚ اﻟﻤﺮﻛﺰي اﻟﺴـــﻌﻮدي ﻟﻤﻤﺎرﺳـــﺔ أﻋﻤﺎل‪/‬ﺟﻤﻊ و‪/‬أو ﻋﺮض‬
‫‪business / collect and / or present credit information.‬‬ ‫اﻟﻤﻌﻠﻮﻣـــﺎت اﻻﺋﺘﻤﺎﻧﻴﺔ‪.‬‬
‫‪We confirm that all information given above is true and complete. By‬‬ ‫ﻛﻤـــﺎ ﻧﺆﻛـــﺪ ﺑﺄن ﻛﺎﻓـــﺔ اﻟﻤﻌﻠﻮﻣﺎت اﻟـــﻮاردة ﻣﻨﺎ ﻓﻲ ﻫـــﺬا اﻟﻄﻠﺐ ﺻﺤﻴﺤـــﺔ وﻛﺎﻣﻠﺔ‬
‫‪signing the application, we authorize SAB to verify this from‬‬ ‫وﺑﻬـــﺬا ﻧﻔـــﻮض اﻟﺒﻨـــﻚ ﺑﺎﻟﺘﺤﻘﻴﻖ ﻣﻦ ﺻﺤﺔ ﻫـــﺬه اﻟﻤﻌﻠﻮﻣﺎت ﻣﻦ أﻳـــﺔ ﻣﺼﺎدر ﻳﺮاﻫﺎ‬
‫)‪whatever sources SAB may choose. Acknowledging that our card(s‬‬ ‫ﻣﻨﺎﺳـــﺒﺔ‪ .‬وﻋﻠﻴﺔ ﻧﻘﺮ ﺑﺄن اﺳـــﺘﺨﺪام اﻟﺒﻄﺎﻗﺔ‪/‬ات اﻻﺋﺘﻤﺎﻧﻴﺔ ﺳـــﻴﻜﻮن ﻃﺒﻘﺎ ﻟﻠﺸﺮوط‬
‫‪may only be used subject to the Terms and Conditions. We confirm‬‬ ‫واﻷﺣـــﻜﺎم اﻟﻤﻮﺟـــﻮد ﻋﻠـــﻰ ﻣﻮﻗـــﻊ اﻷول ﻋﻠـــﻰ اﻹﻧﺘﺮﻧـــﺖ ‪ www.sab.com‬واﻟﺘﻲ‬
‫‪that we’re not an undischarged bankrupt. Hereby, we,‬‬ ‫اﻃﻠﻌـــﺖ ﻋﻠﻴﻬـــﺎ وأن اﺳـــﺘﺨﺪاﻣﻲ ﻟﻠﺒﻄﺎﻗـــﺔ ﻫـــﻮ اﻗﺮار ﺑﺬﻟـــﻚ‪ .‬ﻧﺆﻛﺪ أﻳﻀـــﺎ ﺑﺄﻧﻨﻲ‪/‬أﻧﺎ‬
‫‪unconditionally and irrevocably undertake to pay to the order of SAB‬‬ ‫ﺗﻌﻬﺪا ﺑﺎﺗﺎ ﻻ رﺟﻌﺔ ﻓﻴﻪ وﻏﻴﺮ ﻣﺸـــﺮوط ﺑﺄن ﻧﺪﻓﻊ‬ ‫ً‬ ‫ً‬
‫ﻣﻔﻠﺴـــﺎ‪ .‬ﺑﻨﺎء ﻋﻠﻴﻪ ﻧﺘﻌﻬﺪ‬ ‫ﻟﺴـــﺖ‪/‬ﻧﺎ‬
‫‪the amount of the financial obligations on my Card and the‬‬ ‫ﻷﻣـــﺮ اﻷول ﺟﻤﻴـــﻊ اﻹﻟﺘﺰﻣـــﺎت اﻟﻤﺎﻟﻴـــﺔ اﻟﻨﺎﺗﺠـــﺔ ﻋﻦ اﺳـــﺘﺨﺪام اﻟﺒﻄﺎﻗﺔ اﻷﺳﺎﺳـــﻴﺔ‬
‫‪Supplementary Cards including Tawarruq Profits.‬‬ ‫واﻟﺒﻄﺎﻗﺎت اﻹﺿﺎﻓﻴﺔ وأرﺑﺎح اﻟﺘﻮرق‪.‬‬
‫‪We confirm that the SAB Employee/Agent has not given me any‬‬ ‫ﺑﺎﻹﺷـــﺎرة إﻟـــﻰ ﻃﻠـــﺐ اﻟﺒﻄﺎﻗـــﺎت اﻻﺋﺘﻤﺎﻧﻴﺔ ﻧﺆﻛـــﺪ ﺑﺄن ﻣﻮﻇﻒ‪/‬ﻣﻨـــﺪوب اﻷول ﻟﻢ‬
‫‪commitments on:‬‬ ‫ﻳﻘﺪم أﻳﺔ اﻟﺘﺰاﻣـــﺎت ﻓﻴﻤﺎ ﻳﺘﻌﻠﻖ ﺑﺎﻟﺘﺎﻟﻲ‪:‬‬
‫)‪a‬‬ ‫‪My application eligibility for a SAB Credit/Charge Card.‬‬ ‫ﺿﻤـــﺎن اﻟﻤﻮاﻓﻘﺔ ﻋﻠﻰ اﻟﻄﻠﺐ ﻟﻠﺤﺼـــﻮل ﻋﻠﻰ ﺑﻄﺎﻗﺔ اﻷول اﻻﺋﺘﻤﺎﻧﻴﺔ‪.‬‬ ‫أ(‬
‫)‪b‬‬ ‫‪The Credit Limit likely to be sanctioned.‬‬ ‫ب( اﻟﺤـــﺪ اﻻﺋﺘﻤﺎﻧﻲ اﻟﻤﺘﻮﻗﻊ ﻣﻨﺤﻪ‪.‬‬
‫)‪c‬‬ ‫‪If I am issued a Credit Card by SAB, the type of Card that may‬‬ ‫ت ( إذا أﺻـــﺪرت ﻟـــﻲ ﺑﻄﺎﻗﺔ اﺋﺘﻤﺎن ﻣـــﻦ ﻗﺒﻞ اﻷول ﻓﻨﻮع اﻟﺒﻄﺎﻗـــﺔ اﻟﻤﺆﻫﻞ ﻟﻬﺎ‬
‫‪qualify for: Classic, Titanium or Platinum.‬‬ ‫اﻟﻌﻤﻴﻞ إﻣﺎ‪ :‬ﻛﻼﺳـــﻴﻚ أو ﺗﻴﺘﺎﻧﻴﻮم أو ﺑﻼﺗﻴﻨﻴﻮم‪.‬‬
‫)‪d‬‬ ‫‪The Cash Limit, the discount extended on applicable fees and‬‬ ‫ث ( اﻟﺤـــﺪ اﻻﺋﺘﻤﺎﻧـــﻲ اﻟﻤﺘﻮﻗﻊ ﻣﻨﺤـــﻪ وﺣﺪ اﻟﺼـــﺮف اﻟﻨﻘﺪي واﻷﺗﻌـــﺎب اﻟﻤﻄﺒﻘﺔ‬
‫‪charges and the gifts that I may be eligible for.‬‬ ‫واﻟﺤﺴـــﻮﻣﺎت واﻟﻌﺮوض واﻟﻬﺪاﻳﺎ اﻟﻤﻤﻨﻮﺣﺔ‪.‬‬
‫‪We, hereby, agree that SAB send me/us marketing SMSs for the new‬‬ ‫ﻛﻤﺎ ﻧﺆﻛﺪ ﻣﻮاﻓﻘﺘﻨﺎ ﻋﻠﻰ اﺳـــﺘﻼم اﻟﺮﺳـــﺎﺋﻞ اﻟﺘﺴﻮﻳﻘﻴﺔ ﻟﻤﻨﺘﺠﺎت وﻋﺮوض اﻷول ﻣﻦ‬
‫‪features, offers, or products, and if we wish to deactivate this service‬‬ ‫وﻗـــﺖ ﻵﺧـــﺮ‪ ،‬وإذا ﻛﻨﺎ ﻧﺮﻏﺐ ﻓﻲ إﻟﻐﺎء ﻫﺬه اﻟﺨﺪﻣﺔ ﻓـــﻲ أي وﻗﺖ‪ ،‬ﻓﻌﻠﻴﻨﺎ اﻻﺗﺼﺎل‬
‫‪at any time, we should contact SAB call center.‬‬ ‫ﺑﻬﺎﺗﻒ اﻷول اﻟﻤﺼﺮﻓﻲ‪.‬‬
‫‪We, hereby, authorize SAB to change my Card type whenever‬‬ ‫ﻛﻤـــﺎ ﻧﻔـــﻮض اﻟﺒﻨـــﻚ ﺑﺘﻐﻴﻴـــﺮ ﻧﻮع‪/‬ﻓﺌـــﺔ اﻟﺒﻄﺎﻗـــﺔ ﺣﺴـــﺐ اﻟﻀـــﺮورة وﻣﺮاﺟﻌـــﺔ اﻟﺤﺪ‬
‫‪deemed necessary. We also authorize SAB to review my/our Credit‬‬ ‫اﻻﺋﺘﻤﺎﻧـــﻲ ﺑﺸـــﻜﻞ دوري وزﻳﺎدة‪/‬ﺗﺨﻔﻴـــﺾ اﻟﺤﺪ اﻻﺋﺘﻤﺎﻧـــﻲ ﻟﻠﺒﻄﺎﻗﺔ ﺣﺴـــﺐ اﻟﻠﻮاﺋﺢ‬
‫‪Limit according to the rules & regulations without obtaining our‬‬ ‫ً‬
‫ﻣﻨﺎﺳـــﺒﺎ واﺑﻼﻏﻨﺎ ﺑﺬﻟﻚ‪.‬‬ ‫اﻟﻤﻨﻈﻤـــﺔ دون اﻟﺮﺟﻮع إﻟﻴﻨﺎ ﻛﻤﺎ ﻳﺮاه اﻟﺒﻨﻚ‬
‫‪consent for the limit increase/decrease, and to communicate the new‬‬
‫‪Limit assigned to me.‬‬
‫‪If we wish to reject this increase, or want to cancel the authorization‬‬ ‫ﻓـــﻲ ﺣﺎل رﻏﺒﺘﻨﺎ ﻓـــﻲ رﻓﺾ زﻳﺎدة اﻟﺤـــﺪ اﻻﺋﺘﻤﺎﻧﻲ أو إﻟﻐﺎء اﻻﺗﻔﺎﻗﻴـــﺔ‪ ,‬ﻳﻤﻜﻨﻨﺎ ﻃﻠﺐ‬
‫‪totally, we may contact SAB call center and request the same at any‬‬ ‫ذﻟﻚ ﻋـــﻦ ﻃﺮﻳﻖ ﻫﺎﺗﻒ اﻷول اﻟﻤﺼﺮﻓﻲ ﻓﻲ أي وﻗﺖ‪.‬‬
‫‪time.‬‬

‫‪I declare that I am the main beneficiary‬‬ ‫أﻗﺮ ﺑﺄﻧﻨﻲ اﻟﻤﺴﺘﻔﻴﺪ اﻟﺮﺋﻴﺴﻲ ﻟﻠﺒﻄﺎﻗﺔ اﻻﺋﺘﻤﺎﻧﻴﺔ‬
‫‪of the credit card‬‬ ‫‪No‬‬ ‫ﻻ‬ ‫‪Yes‬‬ ‫ﻧﻌﻢ‬

‫‪Customer Name‬‬ ‫إﺳﻢ اﻟﻌﻤﻴﻞ‬

‫‪Date‬‬ ‫اﻟﻴﻮم ‪DD‬‬ ‫اﻟﺸﻬﺮ ‪MM‬‬ ‫‪YYYY‬‬ ‫اﻟﺴﻨﺔ‬ ‫اﻟﺘﺎرﻳﺦ‬

‫‪Customer Signature‬‬ ‫ﺗﻮﻗﻴﻊ اﻟﻌﻤﻴﻞ‬

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 ‫ﺷﺮوط وأﺣﻜﺎم اﺗﻔﺎﻗﻴﺔ إﺻﺪار ﺑﻄﺎﻗﺎت اﻷول اﻻﺋﺘﻤﺎﻧﻴﺔ‬
‫‪Terms and Conditions of SAB Credit Cards issuing‬‬

‫‪Important:‬‬ ‫ﻫﺎم‪:‬‬
‫‪Before you use your SAB Credit Card, please carefully read these‬‬ ‫ﻳﺮﺟـــﻰ ﻗـــﺮاءة ﻫﺬه اﻟﺸـــﺮوط واﻷﺣـــﻜﺎم ﺑﻌﻨﺎﻳـــﺔ ﺗﺎﻣﺔ ﻗﺒـــﻞ اﺳـــﺘﻌﻤﺎﻟﻚ ﺑﻄﺎﻗﺔ اﻷول‬
‫‪Cardholder Terms and Conditions.‬‬ ‫اﻻﺋﺘﻤﺎﻧﻴﺔ اﻟﺼﺎدرة ﻣﻦ اﻟﺒﻨﻚ اﻟﺴـــﻌﻮدي اﻷول‪.‬‬
‫‪In the name of allah, the most gracious, the most merciful. All praise is‬‬ ‫ﺑﺴـــﻢ اﻟﻠﻪ اﻟﺮﺣﻤﻦ اﻟﺮﺣﻴﻢ اﻟﺤﻤﺪ ﻟﻠـــﻪ رب اﻟﻌﺎﻟﻤﻴﻦ‪ ،‬واﻟﺼﻼة واﻟﺴﻼم ﻋﻠﻰ ﻧﺒﻴﻨﺎ ﻣﺤﻤﺪ‬
‫‪due to Allah, the cherisher of the world, and peace and blessing be‬‬ ‫وﻋﻠﻰ آﻟﻪ وﺻﺤﺒﻪ أﺟﻤﻌﻴﻦ‪.‬‬
‫‪upon the prophet of Allah, on his family and all his companions.‬‬
‫‪The SAB Credit Card (the “Card”) is issued by Saudi Awwal Bank (the‬‬ ‫ﻳﺼـــﺪر اﻟﺒﻨـــﻚ اﻟﺴـــﻌﻮدي اﻷول )"اﻟﺒﻨـــﻚ"( ﺑﻄﺎﻗـــﺔ اﻷول اﻻﺋﺘﻤﺎﻧﻴـــﺔ )"اﻟﺒﻄﺎﻗﺔ"(‬
‫‪“Bank”) in accordance with the following Terms and Conditions‬‬ ‫ً‬
‫ﻃﺒﻘـــﺎ ﻟﻠﺸـــﺮوط واﻷﺣـــﻜﺎم اﻟـــﻮاردة أدﻧـــﺎه )"اﻟﺸـــﺮوط واﻷﺣـــﻜﺎم" أو "ﻫـــﺬه‬
‫‪(“Terms and Conditions” or “this Agreement”):‬‬ ‫اﻻﺗﻔﺎﻗﻴﺔ"(‪:‬‬

‫‪1‬‬ ‫‪Issuing of Cards‬‬ ‫إﺻﺪار اﻟﺒﻄﺎﻗﺎت‬ ‫‪1‬‬

‫‪1.1‬‬ ‫‪Use of the Card is restricted to the “Cardholder” and subject‬‬ ‫ﻳﻘﺘﺼـــﺮ اﺳـــﺘﺨﺪام اﻟﺒﻄﺎﻗـــﺔ ﻋﻠـــﻰ ﺣﺎﻣﻠﻬـــﺎ وﻳﺨﻀـــﻊ ﻟﻬـــﺬه اﻟﺸـــﺮوط‬ ‫‪1.1‬‬
‫‪to these Terms and Conditions, the Card remains valid until its‬‬ ‫واﻷﺣـــﻜﺎم وﺗﻈـــﻞ اﻟﺒﻄﺎﻗـــﺔ ﺳـــﺎرﻳﺔ اﻟﻤﻔﻌـــﻮل ﺣﺘـــﻰ ﺗﺎرﻳـــﺦ اﻻﻧﺘﻬـــﺎء‬
‫‪date of expiry mentioned on the Card.‬‬ ‫اﻟﻤﻮﺿﺢ ﻋﻠﻴﻬﺎ‪.‬‬
‫‪1.2‬‬ ‫‪The Cardholder will not permit any other person to use the‬‬ ‫ﻋﻠﻰ ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ ﻋﺪم اﻟﺴـــﻤﺎح ﻷي ﺷـــﺨﺺ آﺧﺮ ﺑﺎﺳﺘﺨﺪاﻣﻬﺎ ﻛﻤﺎ ﻳﺘﻌﻴﻦ‬ ‫‪1.2‬‬
‫‪Card and will at all times safeguard the Card and any Personal‬‬ ‫ﻋﻠﻴﻪ اﻟﻤﺤﺎﻓﻈﺔ ﻋﻠﻰ اﻟﺒﻄﺎﻗﺔ وأي رﻗﻢ ﺳﺮي ﻳﺼﺪر ﻟﻪ ﻓــــﻲ ﻛﻞ اﻷوﻗﺎت‬
‫‪Identification Number (the “PIN”) issued, and keep it under‬‬ ‫ﺗﺤﺖ رﻗﺎﺑﺘﻪ اﻟﺸﺨﺼﻴﺔ‪.‬‬
‫‪his/her personal control.‬‬
‫‪1.3‬‬ ‫‪In the event of a conflict between the two versions of these‬‬ ‫وﻓــــﻲ ﺣﺎل وﺟـــﻮد ﺗﻌﺎرض ﺑﻴـــﻦ اﻟﻨﺺ اﻟﻌﺮﺑـــﻲ واﻟﻨﺺ اﻹﻧﺠﻠﻴـــﺰي ﻷي ﻣﻦ‬ ‫‪1.3‬‬
‫‪Regulations, the Arabic version shall prevail.‬‬ ‫ﻫﺬه اﻟﺸـــﺮوط واﻷﺣﻜﺎم‪ ،‬ﻓﻴﻌﺘﻤﺪ اﻟﻨﺺ اﻟﻌﺮﺑﻲ‪.‬‬
‫‪1.4‬‬ ‫‪The Bank will maintain an account in the name of the‬‬ ‫ﻳﺤﺘﻔـــﻆ اﻟﺒﻨﻚ ﺑﺤﺴـــﺎب ﺑﺎﺳـــﻢ ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗﺔ ﻓﻴﻤـــﺎ ﻳﺘﻌﻠـــﻖ ﺑﺎﻟﺒﻄﺎﻗﺔ‬ ‫‪1.4‬‬
‫‪Cardholder in respect of the Card (the “Card Account”) to‬‬ ‫)"ﺣﺴـــﺎب اﻟﺒﻄﺎﻗـــﺔ "( ﻳﻘﻴﺪ ﻋﻠﻴـــﻪ ﻗﻴﻤﺔ ﻣﺸـــﺘﺮﻳﺎت اﻟﺒﻀﺎﺋﻊ واﻟﺨﺪﻣﺎت‬
‫‪which the value of purchases of goods and services, cash‬‬ ‫واﻟﺴـــﻠﻒ اﻟﻨﻘﺪﻳـــﺔ واﻟﺮﺳـــﻮم واﻟﻤﺼﺎرﻳـــﻒ اﻟﻨﺎﺷـــﺌﺔ ﻋـــﻦ اﺳـــﺘﺨﺪام‬
‫‪advances, fees and charges effected by the use of the Card‬‬ ‫اﻟﺒﻄﺎﻗـــﺔ )"ﻣﻌـــﺎﻣﻼت اﻟﺒﻄﺎﻗـــﺔ "( وأي اﻟﺘﺰاﻣـــﺎت أﺧـــﺮى ﻟﺤﺎﻣـــﻞ‬
‫‪(”Card Transactions”), any other liabilities of the Cardholder‬‬ ‫اﻟﺒﻄﺎﻗـــﺔ ﻧﺎﺷـــﺌﺔ ﺑﻤﻮﺟـــﺐ ﻫـــﺬه اﻟﺸـــﺮوط واﻷﺣـــﻜﺎم وأي ﺧﺴـــﺎرة‬
‫‪arising under these Terms and Conditions and any loss‬‬ ‫ﻳﺘﻜﺒﺪﻫـــﺎ اﻟﺒﻨـــﻚ ﺑﺴـــﺒﺐ اﺳـــﺘﺨﺪام اﻟﺒﻄﺎﻗﺔ أو رﻗﻢ اﻟﺒﻄﺎﻗﺔ‪ .‬وﺳـــﻴﺘﻢ‬
‫‪incurred by the Bank arising from the use of the Card (or Card‬‬ ‫إرﺳـــﺎل ﻛﺸـــﻒ ﺑﺎﻟﻤﺒﺎﻟـــﻎ اﻟﺘـــﻲ ﺗـــﻢ ﻗﻴﺪﻫـــﺎ ﻋﻠـــﻰ ﻫـــﺬا اﻟﻨﺤـــﻮ ﻟﺤﺎﻣـــﻞ‬
‫‪number) shall be charged. A statement of account for‬‬ ‫اﻟﺒﻄﺎﻗـــﺔ ﻋﻠـــﻰ آﺧـــﺮ ﻋﻨـــﻮان أﺑﻠﻐـــﻪ ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗـــﺔ ﻟﻠﺒﻨـــﻚ وﻳﻌﺘﺒﺮ أي‬
‫‪amounts so charged will be sent to the Cardholder at his/her‬‬ ‫ﻛﺸـــﻒ ﻗﺪ اﺳـــﺘﻠﻢ ﻣﻦ ﻗﺒﻞ ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ ﺑﻌﺪ ‪ 7‬أﻳﺎم ﻣﻦ إرﺳـــﺎﻟﻪ ﻣﻦ‬
‫‪last address advised by the Cardholder and any such‬‬ ‫ﻗﺒﻞ اﻟﺒﻨﻚ‪.‬‬
‫‪statement shall be deemed to have been received by the‬‬
‫‪Cardholder 7 days after dispatch by the Bank.‬‬
‫‪1.5‬‬ ‫‪The Bank may issue Supplementary Card(s) to any person‬‬ ‫ﻳﺠـــﻮز ﻟﻠﺒﻨـــﻚ إﺻـــﺪار ﺑﻄﺎﻗـــﺔ أو ﺑﻄﺎﻗـــﺎت إﺿﺎﻓﻴـــﺔ ﻷي ﺷـــﺨﺺ ﻳﻌﻴﻨﻪ‬ ‫‪1.5‬‬
‫‪nominated as a Supplementary Cardholder by the‬‬ ‫ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗـــﺔ ﻛﺤﺎﻣﻞ ﺑﻄﺎﻗـــﺔ إﺿﺎﻓﻴﺔ وﺗﻄﺒﻖ ﺷـــﺮوط وأﺣﻜﺎم ﻫﺬه‬
‫‪Cardholder. The Terms and Conditions of this Agreement‬‬ ‫اﻻﺗﻔﺎﻗﻴـــﺔ ﻋﻠـــﻰ اﺳـــﺘﺨﺪام أي ﺑﻄﺎﻗـــﺔ أو ﺑﻄﺎﻗـــﺎت إﺿﺎﻓﻴـــﺔ ﻛﻤـــﺎ أن‬
‫‪shall apply to the use of any Supplementary Card(s) and the‬‬ ‫ﻛﻠﻤـــﺔ "اﻟﺒﻄﺎﻗـــﺔ" أﻳﻨﻤـــﺎ وردت ﺗﺸـــﻤﻞ ﺗﻠـــﻚ اﻟﺒﻄﺎﻗـــﺔ أو اﻟﺒﻄﺎﻗـــﺎت‬
‫‪term the “Card” shall whenever applicable include such‬‬ ‫وﻣﺴـــﺆوﻻ ﻋﻦ اﺳـــﺘﺨﺪام‬
‫ً‬ ‫ً‬
‫ﻣﻠﺰﻣـــﺎ‬ ‫اﻹﺿﺎﻓﻴـــﺔ‪ .‬وﻳﻜـــﻮن ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗـــﺔ‬
‫‪Supplementary Card(s). The Cardholder shall be bound by‬‬ ‫اﻟﺒﻄﺎﻗـــﺔ واﻟﺒﻄﺎﻗـــﺎت اﻹﺿﺎﻓﻴـــﺔ وﺑﺎﻹﺿﺎﻓـــﺔ إﻟﻰ ﺣﻘﻮﻗـــﻪ وﺻﻼﺣﻴﺎﺗﻪ‬
‫‪and be liable for the use of any Supplementary Card(s). In‬‬ ‫اﻷﺧـــﺮى ﺑﻤﻮﺟـــﺐ ﻫـــﺬه اﻻﺗﻔﺎﻗﻴـــﺔ‪ .‬ﻳﺠـــﻮز ﻟﻠﺒﻨـــﻚ إﻟﻐـــﺎء اﻟﺒﻄﺎﻗـــﺔ‬
‫‪addition to its other rights and powers under this Agreement,‬‬ ‫واﻟﺒﻄﺎﻗـــﺎت اﻹﺿﺎﻓﻴـــﺔ ﻓــــﻲ أي وﻗـــﺖ واﻟﻤﻄﺎﻟﺒـــﺔ ﺑﺈﻋﺎدﺗﻬـــﺎ‪ .‬وﻳﻜﻮن‬
‫‪the Bank may cancel any Supplementary Card(s) at any time,‬‬ ‫ﻣﺴـــﺆوﻻ ﻋﻦ اﻟﺒﻄﺎﻗـــﺎت اﻷﺻﻠﻴﺔ وﻣﺎ‬‫ً‬ ‫ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗﺔ اﻟﺮﺋﻴﺴـــﻲ وﺣﺪه‬
‫‪and seek the return of Supplementary Card(s) issued to the‬‬ ‫ﺗﻔﺮع ﻋﻨﻬﺎ‪.‬‬
‫‪Supplementary Cardholder. The Cardholder will be solely‬‬
‫‪liable for the principal Card and the Supplementary Card(s).‬‬

‫‪2.‬‬ ‫‪Conditions related to the Card Account‬‬ ‫اﻷﺣﻜﺎم اﻟﻤﺘﻌﻠﻘﺔ ﺑﺤﺴـــﺎب اﻟﺒﻄﺎﻗﺔ‬ ‫‪.2‬‬
‫‪2.1‬‬ ‫‪The Cardholder will be responsible for all credit or other‬‬ ‫ﻣﺴـــﺆوﻻ ﻋـــﻦ ﻛﺎﻓـــﺔ اﻟﺘﺴـــﻬﻴﻼت اﻻﺋﺘﻤﺎﻧﻴﺔ أو‬
‫ً‬ ‫ﻳﻜـــﻮن ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗﺔ‬ ‫‪2.1‬‬
‫‪facilities granted by the Bank in respect of the Card and for all‬‬ ‫اﻟﺘﺴـــﻬﻴﻼت اﻷﺧـــﺮى اﻟﻤﻤﻨﻮﺣـــﺔ ﻣﻦ اﻟﺒﻨﻚ ﻓﻴﻤـــﺎ ﻳﺘﻌﻠـــﻖ ﺑﺎﻟﺒﻄﺎﻗﺔ وﻋﻦ‬
‫‪related charges hereunder, notwithstanding the termination‬‬ ‫ﻛﺎﻓـــﺔ اﻟﻤﺼﺮوﻓـــﺎت ذات اﻟﻌﻼﻗـــﺔ ﺑﻐـــﺾ اﻟﻨﻈـــﺮ ﻋـــﻦ إﻧﻬـــﺎء ﻫـــﺬه‬
‫‪of this Agreement.‬‬ ‫اﻻﺗﻔﺎﻗﻴﺔ ‪.‬‬
‫‪2.2‬‬ ‫‪The Cardholder’s failure to sign any Sales Slip, Cash Advance‬‬ ‫إن ﻋـــﺪم ﺗﻮﻗﻴـــﻊ ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗﺔ ﻋﻠـــﻰ أي إﻳﺼﺎﻻت ﻣﺒﻴﻌﺎت أو ﺳـــﻠﻒ‬ ‫‪2.2‬‬
‫‪Slip or Mail Order / telephone order MOTO) will not relieve‬‬ ‫ﻧﻘﺪﻳـــﺔ أو ﻗﺴـــﺎﺋﻢ أواﻣـــﺮ ﺑﺮﻳﺪﻳـــﺔ ‪ /‬ﻫﺎﺗﻔﻴـــﺔ ﻻ ﻳﻌﻔﻴـــﻪ ﻣﻦ ﻣﺴـــﺆوﻟﻴﺘﻪ‬
‫‪the Cardholder from liability to the Bank in respect thereof.‬‬ ‫ﺗﺠـــﺎه اﻟﺒﻨـــﻚ ﻓﻴﻤـــﺎ ﻳﺨﺘـــﺺ ﺑﺘﻠـــﻚ اﻟﻤﺒﻴﻌـــﺎت أو اﻟﺴـــﻠﻒ اﻟﻨﻘﺪﻳـــﺔ أو‬
‫‪The Cardholder has the objection right against any amount‬‬ ‫اﻷواﻣـــﺮ اﻟﺒﺮﻳﺪﻳـــﺔ ‪/‬ﻫﺎﺗﻔﻴـــﺔ وﻟﺤﺎﻣـــﻞ اﻟﺒﻄﺎﻗـــﺔ ﺣﻖ اﻻﻋﺘـــﺮاض ﻋﻠﻰ أي‬
‫‪charged on the Card Account. Copies of the Sales or Cash‬‬ ‫ﻣﺒﻠﻎ ﻳﺴـــﺠﻞ ﻋﻠﻰ ﺣﺴـــﺎب اﻟﺒﻄﺎﻗـــﺔ وﻳﺠﻮز ﺗﺰوﻳﺪ ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ ﺑﻨﺴـــﺦ‬
‫‪Advance Slips may be provided to the Cardholder subject to‬‬ ‫ﻣـــﻦ إﻳﺼـــﺎﻻت اﻟﻤﺒﻴﻌـــﺎت أو اﻟﺴـــﻠﻒ اﻟﻨﻘﺪﻳـــﺔ ﻋﻠﻰ أن ﺗﺨﻀﻊ ﻟﺮﺳـــﻮم‬
‫‪an additional charge. Provision of Sales Slip copies may take‬‬ ‫إﺿﺎﻓﻴـــﺔ‪ .‬وﻗﺪ ﻳﺴـــﺘﻐﺮق ﺗﻮﻓﻴﺮ ﻧﺴـــﺦ ﻣـــﻦ إﻳﺼـــﺎﻻت اﻟﻤﺒﻴﻌﺎت ﻣﺪة ﻻ‬
‫‪a minimum of 30 days subsequent to the Cardholder’s‬‬ ‫ﻳﻮﻣﺎ ﺑﻌـــﺪ ﺗﻘﺪﻳﻢ ﻃﻠـــﺐ ﻋﺒﺮ اﻟﻘﻨـــﻮات اﻟﻤﺘﺎﺣﺔ ﻣﻦ ﺣﺎﻣﻞ‬ ‫ً‬ ‫ﺗﻘـــﻞ ﻋـــﻦ ‪30‬‬
‫‪request through the available channels to the Bank.‬‬ ‫اﻟﺒﻄﺎﻗـــﺔ ﻟﻠﺒﻨﻚ‪.‬‬
‫‪2.3‬‬ ‫‪The value of all Card Transactions will be charged to the Card‬‬ ‫ﻳﺘـــﻢ ﻗﻴـــﺪ ﻗﻴﻤﺔ ﺟﻤﻴـــﻊ ﻋﻤﻠﻴـــﺎت اﻟﺒﻄﺎﻗﺔ ﻋﻠﻰ ﺣﺴـــﺎب اﻟﺒﻄﺎﻗـــﺔ ﺑﻌﻤﻠﺔ‬ ‫‪2.3‬‬
‫‪Account in the currency of the Account as advised by the‬‬ ‫اﻟﺤﺴـــﺎب ﺣﺴـــﺒﻤﺎ ﻳﺒﻠﻎ ﺑﻬﺎ اﻟﺒﻨﻚ أﻣﺎ ﻋﻤﻠﻴﺎت اﻟﺒﻄﺎﻗﺔ اﻟﺘﻲ ﺗﺘﻢ ﺑﻌﻤﻼت‬
‫‪Bank. Card Transactions, which are effected in currencies‬‬ ‫ﻏﻴـــﺮ ﻋﻤﻠﺔ اﻟﺤﺴـــﺎب ﻓﺴـــﻴﺘﻢ ﻗﻴﺪﻫﺎ ﻋﻠﻰ ﺣﺴـــﺎب اﻟﺒﻄﺎﻗﺔ ﺑﻌـــﺪ ﺗﺤﻮﻳﻠﻬﺎ‬
‫‪other than the Account Currency, will be debited to the Card‬‬ ‫إﻟﻰ ﻋﻤﻠﺔ اﻟﺤﺴـــﺎب ﺑﺴـــﻌﺮ اﻟﺼـــﺮف وﻗﺖ اﻟﻘﻴﺪ اﻟﺬي ﻳﺤـــﺪده اﻟﺒﻨﻚ ﻣﻦ‬
‫‪Account after conversion into the Account Currency at a rate‬‬ ‫وﻗﺖ ﻵﺧﺮ‪.‬‬
‫‪of exchange to be determined by the Bank from time to time.‬‬

‫‪Page 04 - 16‬‬
‫‪2.4‬‬ ‫‪If the Cardholder is authorized by the Bank to use the Card at‬‬ ‫ﻣﻔﻮﺿﺎ ﻣﻦ ﻗﺒﻞ اﻟﺒﻨﻚ ﺑﺎﺳـــﺘﺨﺪام اﻟﺒﻄﺎﻗﺔ ﻓــــﻲ‬ ‫ً‬ ‫إذا ﻛﺎن ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗﺔ‬ ‫‪2.4‬‬
‫‪an ATM belonging to the Bank or any Member Bank of Visa‬‬ ‫أي ﻣﺎﻛﻴﻨـــﺔ ﺻـــﺮاف آﻟـــﻲ ﺗﺎﺑﻌـــﺔ ﻟﻠﺒﻨـــﻚ أو أي ﺑﻨـــﻚ ﻋﻀـــﻮ ﻓــــﻲ ﻓﻴـــﺰا ‪/‬‬
‫‪International / Mastercard® International or any other ATM as‬‬ ‫ﻣﺎﺳـــﺘﺮﻛﺎرد® إﻧﺘﺮﻧﺎﺷـــﻴﻮﻧﺎل أو أي ﻣﺎﻛﻴﻨـــﺔ ﺻـــﺮاف آﻟﻲ أﺧﺮى ﺣﺴـــﺒﻤﺎ ﻳﺘﻢ‬
‫‪advised to the Cardholder from time to time, the following‬‬ ‫إﺧﻄـــﺎر ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ ﻣﻦ وﻗﺖ ﻵﺧﺮ ﻓﺴـــﻴﺘﻢ ﺗﻄﺒﻴﻖ اﻟﺸـــﺮوط واﻷﺣﻜﺎم‬
‫‪additional Terms and Conditions shall apply:‬‬ ‫اﻹﺿﺎﻓﻴﺔ اﻟﺘﺎﻟﻴﺔ‪:‬‬
‫)‪a‬‬ ‫‪The Cardholder shall accept full responsibility for all‬‬ ‫ﻳﺘﺤﻤـــﻞ ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗﺔ ﻛﺎﻣﻞ اﻟﻤﺴـــﺆوﻟﻴﺔ ﻋﻦ ﺟﻤﻴـــﻊ اﻟﻌﻤﻠﻴﺎت اﻟﺘﻲ ﺗﻨﻔﺬ‬ ‫أ(‬
‫‪transactions processed by the use of the Card at any ATM‬‬ ‫ﺑﺎﺳـــﺘﺨﺪام اﻟﺒﻄﺎﻗﺔ ﻓــــﻲ أي ﻣﺎﻛﻴﻨـــﺔ ﺻﺮاف آﻟﻲ ﺗﻘﺒـــﻞ اﻟﺒﻄﺎﻗﺔ )وﺗﻜﻮن‬
‫‪that accepts it (the Bank’s record of transactions processed‬‬ ‫ﺳـــﺠﻼت اﻟﺒﻨﻚ ﻟﺘﻠﻚ اﻟﻌﻤﻠﻴـــﺎت ﻧﻬﺎﺋﻴﺔ وﻣﻠﺰﻣﺔ ﻟﺠﻤﻴﻊ اﻷﻏﺮاض( وﺑﻤﻮﺟﺐ‬
‫‪being conclusive and binding for all purposes), and hereby‬‬ ‫ﻫـــﺬا ﻳﻔـــﻮض اﻟﺒﻨﻚ ﺑـــﺄن ﻳﻘﻴﺪ ﺷـــﺮوط وأﺣـــﻜﺎم اﺗﻔﺎﻗﻴﺔ إﺻـــﺪار ﺑﻄﺎﻗﺎت‬
‫‪authorizes the Bank to debit the Cardholder’s current or‬‬ ‫اﻷول اﻻﺋﺘﻤﺎﻧﻴﺔﻋﻠـــﻰ اﻟﺤﺴـــﺎب اﻟﺠـــﺎري أو ﺣﺴـــﺎب اﻟﺘﻮﻓﻴـــﺮ اﻟﺨﺎص ﺑﺤﺎﻣﻞ‬
‫‪savings account as specified in the Card application (the‬‬ ‫اﻟﺒﻄﺎﻗـــﺔ ﺣﺴـــﺒﻤﺎ ﻫـــﻮ ﻣﺒﻴـــﻦ ﻓــــﻲ ﻧﻤﻮذج ﻃــــﻠﺐ اﻟﺒﻄﺎﻗــــﺔ )"اﻟﺤﺴـــﺎب‬
‫‪“Nominated Account”) or the Card Account with the amount‬‬ ‫اﻟﻤﻌﻴـــﻦ"( أو ﺣﺴـــﺎب اﻟﺒﻄﺎﻗـــﺔ ﻣﺒﻠﻎ أي ﺳـــﺤﺐ أو ﺗﺤﻮﻳﻞ ﻳﺘﻢ ﺑﺎﺳـــﺘﺨﺪام‬
‫‪of any withdrawal or transfer effected by the use of the Card‬‬ ‫اﻟﺒﻄﺎﻗـــﺔ ﺑﻤﻌﺮﻓـــﺔ أو ﺑﺪون ﻣﻌﺮﻓﺔ ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗـــﺔ أو ﺑﻤﻮاﻓﻘﺘﻪ أو ﺑﺪون‬
‫‪with or without the Cardholder’s knowledge or authority.‬‬ ‫ﻣﻮاﻓﻘﺘﻪ‪.‬‬
‫)‪b‬‬ ‫‪The Bank’s record of transactions processed by the use of the‬‬ ‫ﺗﻜـــﻮن ﺳـــﺠﻼت اﻟﺒﻨـــﻚ اﻟﺨﺎﺻـــﺔ ﺑﺎﻟﻌﻤﻠﻴـــﺎت اﻟﺘـــﻲ ﺗﻨﻔـــﺬ ﺑﺎﺳـــﺘﺨﺪام‬ ‫ب(‬
‫‪Card at any ATM shall be conclusive and binding for all‬‬ ‫اﻟﺒﻄﺎﻗـــﺔ ﻓـــﻲ أي ﻣﺎﻛﻴﻨـــﺔ ﺻـــﺮاف آﻟـــﻲ ﻧﻬﺎﺋﻴـــﺔ وﻣﻠﺰﻣـــﺔ ﻟﺤﺎﻣـــﻞ‬
‫‪purposes.‬‬ ‫ا ﻟﺒﻄﺎ ﻗﺔ ‪.‬‬
‫)‪c‬‬ ‫‪The Cardholder shall not be entitled to overdraw the Nominated‬‬ ‫ﻻ ﻳﺤﻖ ﻟﺤﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ اﻟﺴـــﺤﺐ ﻋﻠﻰ اﻟﻤﻜﺸﻮف ﻣﻦ اﻟﺤﺴﺎب اﻟﻤﻌﻴﻦ ﻓــــﻲ‬ ‫ج(‬
‫‪Account or exceed the limit of the Card Account with the Bank.‬‬ ‫ﻧﻤﻮذج ﻃﻠﺐ اﻟﺒﻄﺎﻗﺔ أو ﺗﺠﺎوز اﻟﺤﺪ اﻻﺋﺘﻤﺎﻧﻲ ﻟﺤﺴﺎب اﻟﺒﻄﺎﻗﺔ ﻟﺪى اﻟﺒﻨﻚ‪.‬‬
‫)‪d‬‬ ‫‪The Bank shall not be responsible for any loss or damage‬‬ ‫ﻣﺴـــﺆوﻻ ﻋـــﻦ أي ﺧﺴـــﺎرة أو ﺿـــﺮر ﻧﺎﺷـــﺊ ﺑﺼـــﻮرة‬
‫ً‬ ‫ﻟـــﻦ ﻳﻜـــﻮن اﻟﺒﻨـــﻚ‬ ‫د(‬
‫‪arising directly or indirectly from any malfunction/failure of‬‬ ‫ﻣﺒﺎﺷـــﺮة أو ﻏﻴـــﺮ ﻣﺒﺎﺷـــﺮة ﻋـــﻦ أي ﻗﺼـــﻮر أو ﺧﻠـــﻞ ﻳﺤـــﺪث ﻟﻠﺒﻄﺎﻗﺔ أو‬
‫‪the Card or ATM arising out of the Cardholder’s mistake, the‬‬ ‫ﻣﺎﻛﻴﻨـــﺔ اﻟﺼـــﺮاف اﻵﻟﻲ ﺑﺴـــﺒﺐ ﺧﻄـــﺄ ﻳﺮﺗﻜﺒـــﻪ ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗـــﺔ أو ﻟﻌﺪم‬
‫‪temporary nsufficiency of funds in such machines or any‬‬ ‫ﻛﻔﺎﻳـــﺔ اﻟﺮﺻﻴـــﺪ ﺑﺼﻔـــﺔ ﻣﺆﻗﺘـــﺔ ﻓــــﻲ ﺗﻠـــﻚ اﻟﻤﻜﺎﺋﻦ أو ﻷي ﺳـــﺒﺐ آﺧﺮ‬
‫‪other reason either within or beyond the Bank’s control‬‬ ‫ﺿﻤـــﻦ أو ﺧﺎرج ﺳـــﻴﻄﺮة اﻟﺒﻨـــﻚ ﻣﺎ ﻟﻢ ﻳﻜﻦ ذﻟـــﻚ ﻧﺘﻴﺠﺔ ﺗﻌـــﺪ أو ﺗﻔﺮﻳﻂ‬
‫‪unless such occurs as a result of the Bank negligence.‬‬ ‫ﻣﻦ اﻟﺒﻨﻚ‪.‬‬
‫)‪e‬‬ ‫‪Any cash deposit at an ATM shall only be regarded as having‬‬ ‫ﻻ ﻳﻌﺘﺒﺮ اﻟﺒﻨﻚ ﻗﺪ إﺳـــﺘﻠﻢ أي إﻳﺪاع ﻧﻘﺪي ﻓــــﻲ ﻣﺎﻛﻴﻨﺔ اﻟﺼﺮاف اﻵﻟﻲ‬ ‫ﻫــــ(‬
‫‪been received by the Bank upon verification and crediting the‬‬ ‫إﻻ ﺑﻌـــﺪ اﻟﺘﺤﻘـــﻖ ﻣﻨـــﻪ وﻗﻴـــﺪه ﻓــــﻲ اﻟﺤﺴـــﺎب اﻟﻤﻌﻴـــﻦ أو ﺣﺴـــﺎب‬
‫‪same to the Nominated Account or Card Account.‬‬ ‫ا ﻟﺒﻄﺎ ﻗﺔ ‪.‬‬
‫‪2.5‬‬ ‫‪The Cardholder must notify the Bank in writing or through the‬‬ ‫ﻳﺠـــﺐ ﻋﻠـــﻰ ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗـــﺔ إﺑﻼغ اﻟﺒﻨـــﻚ ﺧﻄﻴﺎ أو ﻋﺒـــﺮ اﻟﻘﻨـــﻮات اﻟﻤﺘﺎﺣﺔ‬ ‫‪2.5‬‬
‫‪available channels as soon as possible of any changes in the‬‬ ‫اﻟﺮﺳـــﻤﻴﺔ ﻟﻠﺒﻨـــﻚ وﺑﺄﺳـــﺮع ﻣـــﺎ ﻳﻤﻜﻦ ﻋـــﻦ أي ﺗﻐﻴﻴـــﺮات ﺗﻄﺮأ ﻋﻠـــﻰ ﻋﻨﻮان‬
‫‪Cardholder’s address and telephone numbers of office /‬‬ ‫وأرﻗـــﺎم ﻫﺎﺗـــﻒ اﻟﻌﻤﻞ ‪ /‬اﻟﻤﻜﺘﺐ ‪ /‬اﻟﻤﻨﺰل ‪ /‬اﻟﺠﻮال‪ .‬وﻓــــﻲ ﺣﺎل ﻋﺪم ﻗﻴﺎم‬
‫‪residence / mobile. Failure to do so will relieve the Bank from‬‬ ‫اﻟﻌﻤﻴـــﻞ ﺑﺬﻟـــﻚ‪ ،‬ﻓﺈن ﻫـــﺬا ﺳـــﻴﻌﻔﻲ اﻟﺒﻨﻚ ﻣـــﻦ أي ﻣﺴـــﺆوﻟﻴﺔ ﺑﺨﺼﻮص‬
‫‪any further liability with regards to official correspondence.‬‬ ‫اﻟﻤﺮاﺳﻼت اﻟﺮﺳﻤﻴﺔ‪.‬‬
‫‪2.6‬‬ ‫‪The Bank shall not be liable for the refusal of any merchant‬‬ ‫ﻣﺴـــﺆوﻻ ﻋﻦ رﻓﺾ أي ﻣﺆﺳﺴـــﺔ ﺗﺠﺎرﻳﺔ ﻗﺒـــﻮل اﻟﺒﻄﺎﻗﺔ‬ ‫ً‬ ‫ﻟـــﻦ ﻳﻜﻮن اﻟﺒﻨﻚ‬ ‫‪2.6‬‬
‫‪establishment to accept or honour the Card, nor shall the‬‬ ‫ﻣﺴـــﺆوﻻ ﺑﺄﻳﺔ ﻃﺮﻳﻘﺔ ﻋﻦ اﻟﺒﻀﺎﺋﻊ أو اﻟﺨﺪﻣﺎت اﻟﺘﻲ ﻳﺘﻢ‬ ‫ً‬ ‫ﻛﻤﺎ أﻧﻪ ﻟﻦ ﻳﻜﻮن‬
‫‪Bank be responsible in any way for the goods or services‬‬ ‫ﺗﺰوﻳـــﺪ ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗـــﺔ ﺑﻬﺎ‪ .‬وﻟﺤﺎﻣـــﻞ اﻟﺒﻄﺎﻗﺔ ﺣﻞ أي ﻣﻦ ﺗﻠﻚ اﻟﺸـــﻜﺎوي‬
‫‪supplied to the Cardholder. The Cardholder must resolve any‬‬ ‫ﻣﺒﺎﺷـــﺮة ﻣـــﻊ اﻟﻤﺆﺳﺴـــﺔ اﻟﺘﺠﺎرﻳﺔ‪ ،‬وﻟﻦ ﺗﺘﺮﺗـــﺐ ﻋﻠﻰ اﻟﺒﻨﻚ أي ﻣﺴـــﺆوﻟﻴﺔ‬
‫‪such complaints directly with the merchant establishment.‬‬ ‫ﻓــــﻲ ﻫـــﺬا اﻟﺨﺼـــﻮص وﻟـــﻦ ﺗﻜـــﻮن أي دﻋـــﻮى ﻣـــﻦ ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗـــﺔ ﺿﺪ‬
‫‪The Bank shall have no responsibility in this respect. No claim‬‬ ‫اﻟﻤﺆﺳﺴـــﺔ اﻟﺘﺠﺎرﻳـــﺔ ﻣﻮﺿﻮع ﻣﻄﺎﻟﺒﺔ ﺗﺠﺎه اﻟﺒﻨﻚ‪ .‬وﻟـــﻦ ﻳﻘﻮم اﻟﺒﻨﻚ ﺑﻘﻴﺪ‬
‫‪by the Cardholder against the merchant establishment may‬‬ ‫أي ﻣﺒﻠﻎ ﻣﺴـــﺘﺮد ﻓــــﻲ ﺣﺴـــﺎب اﻟﺒﻄﺎﻗﺔ اﻟﺨﺎص ﺑﺤﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ إﻻ ﺑﻌﺪ أن‬
‫‪be the subject of a claim against the Bank. The Bank will‬‬ ‫ﻳﺘﻠﻘﻰ ﻗﺴـــﻴﻤﺔ ﻗﻴﺪ داﺋﻦ ﻟﺼﺎﻟﺢ ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ ﺻﺎدرة ﺑﺸـــﻜﻞ ﺻﺤﻴﺢ ﻣﻦ‬
‫‪credit the Cardholder’s Card Account with the amount of any‬‬ ‫اﻟﻤﺆﺳﺴﺔ اﻟﺘﺠﺎرﻳﺔ‪.‬‬
‫‪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 unlawful‬‬ ‫ﻻ ﻳﺤـــﻖ ﻟﺤﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ اﺳـــﺘﺨﺪام اﻟﺒﻄﺎﻗﺔ ﻷي أﻏﺮاض ﻏﻴﺮ ﻗﺎﻧﻮﻧﻴﺔ ﺑﻤﺎ‬ ‫‪2.7‬‬
‫‪purposes, including the purchase of goods or services‬‬ ‫ﻓــــﻲ ذﻟﻚ ﺷـــﺮاء ﺳـــﻠﻊ أو ﺧﺪﻣﺎت ﻣﻤﻨﻮﻋـــﺔ ﺑﻤﻮﺟﺐ ﻗﻮاﻧﻴـــﻦ اﻟﻤﻤﻠﻜﺔ‬
‫‪prohibited by the Shariah laws. The Card also shall not be‬‬ ‫اﻟﻌﺮﺑﻴـــﺔ اﻟﺴـــﻌﻮدﻳﺔ ﻛﻤـــﺎ ﻻ ﻳﺠـــﻮز اﺳـــﺘﺨﺪام ﻫـــﺬه اﻟﺒﻄﺎﻗـــﺔ ﻓــــﻲ أﻳﺔ‬
‫‪used for any purchases or services prohibited by Shariah. In‬‬ ‫وﻓﻘﺎ ﻟﻠﺸـــﺮﻳﻌﺔ اﻹﺳﻼﻣﻴﺔ‪ ،‬وﻓــــﻲ ﺣﺎل‬ ‫ً‬ ‫ﻣﺸـــﺘﺮﻳﺎت أو ﺧﺪﻣـــﺎت ﻣﺤﺮﻣـــﺔ‬
‫‪case of such use, the Bank reserves the right to cancel the‬‬ ‫ﻫـــﺬا اﻻﺳـــﺘﺨﺪام ﻳﺤـــﻖ ﻟﻠﺒﻨـــﻚ إﻟﻐـــﺎء ﻫـــﺬه اﻟﺒﻄﺎﻗـــﺔ اﻷﺳﺎﺳـــﻴﺔ وأﻳﺔ‬
‫‪original Card and any Supplementary Cards provided the‬‬ ‫ﺑﻄﺎﻗـــﺎت إﺿﺎﻓﻴـــﺔ أﺧـــﺮى ﻋﻠـــﻰ أن ﻳﻘـــﻮم اﻟﻌﻤﻴـــﻞ ﺑﺴـــﺪاد اﻟﻤﺒﺎﻟـــﻎ‬
‫‪customer shall pay the amount due directly.‬‬ ‫اﻟﻤﺴـــﺘﺤﻘﺔ ﻣﺒﺎﺷﺮة‪.‬‬

‫‪3.‬‬ ‫‪Lost or Stolen Cards‬‬ ‫اﻟﺒﻄﺎﻗﺎت اﻟﻤﻔﻘﻮدة أو اﻟﻤﺴـــﺮوﻗﺔ‬ ‫‪.3‬‬

‫‪3.1‬‬ ‫‪The loss or theft of a Card must be reported to the Bank’s‬‬ ‫ﻳﺠﺐ اﻹﺑﻼغ ﻋﻦ ﻓﻘﺪان أو ﺳـــﺮﻗﺔ اﻟﺒﻄﺎﻗﺔ إﻟﻰ أﺣﺪ اﻷرﻗﺎم أدﻧﺎه‪ .‬ﻛﻤﺎ‬ ‫‪3.1‬‬
‫‪Card Center on one of below numbers (depending on the‬‬ ‫ﻣﺴـــﺆوﻻ ﻋﻦ أي‬
‫ً‬ ‫ً‬
‫أﻳﻀـــﺎ إﺑﻼغ اﻟﺸـــﺮﻃﺔ وﻳﻜـــﻮن ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗـــﺔ‬ ‫ﻳﺠـــﺐ‬
‫‪product you hold, or any Visa / Mastercard® member number.‬‬ ‫ﻋﻤﻠﻴـــﺎت ﻏﻴﺮﻣﻔﻮﺿـــﺔ ﻳﺘـــﻢ ﺗﻨﻔﻴﺬﻫـــﺎ ﺑﻮاﺳـــﻄﺔ اﻟﺒﻄﺎﻗـــﺔ ﻗﺒﻞ إﺳـــﺘﻼم‬
‫‪A Police Report must also be made of the lost/stolen Card and‬‬ ‫اﻟﺒﻨﻚ إﺷـــﻌﺎر ﻋﻦ ﻃﺮﻳﻖ ﻗﻨـــﻮات اﻟﺒﻨﻚ اﻟﻤﺘﺎﺣﺔ واﻟﺮﺳـــﻤﻴﺔ ﻳﻔﻴﺪ ﺑﻔﻘﺪ‬
‫‪a copy sent to the Bank if there is suspected misuse. The‬‬ ‫أو ﺳـــﺮﻗﺔ اﻟﺒﻄﺎﻗـــﺔ‪ .‬ﻛﻤـــﺎ ﻟـــﻦ ﻳﺘﺠـــﺎوز أﻗﺼـــﻰ ﻗـــﺪر ﻣـــﻦ اﻟﻤﺴـــﺆوﻟﻴﺔ‬
‫‪Cardholder will be responsible for any unauthorized Card‬‬ ‫اﻟﻤﺤﺘﻤﻠـــﺔ ﻋﻠـــﻰ ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗﺔ ﻧﺘﻴﺠـــﺔ ﻓﻘﺪان ‪ /‬ﺳـــﺮﻗﺔ اﻟﺒﻄﺎﻗﺎت ﻟﻠﺤﺪ‬
‫‪Transactions effected before notification of the loss or theft‬‬ ‫اﻻﺋﺘﻤﺎﻧﻲ اﻟﻤﻌﺘﻤـــﺪ ﻟﻠﺒﻄﺎﻗﺔ‪.‬‬
‫‪has been received by the Bank’s Card Centre. The maximum‬‬
‫‪potential liability to the Cardholder as a result of lost/stolen‬‬
‫‪Cards will not exceed the approved limit of the Card.‬‬

‫‪Card type‬‬ ‫‪Whithim KSA‬‬ ‫‪International Number‬‬ ‫ﺧﺎرج اﻟﻤﻤﻠﻜﺔ‬ ‫داﺧﻞ اﻟﻤﻤﻠﻜﺔ‬ ‫اﻟﺒﻄﺎﻗﺔ‬

‫‪Premier‬‬ ‫‪800 116 0099‬‬ ‫‪+966 11 440 8999‬‬ ‫‪+966 11 440 8999‬‬ ‫‪800 116 0099‬‬ ‫ﺑﺮﻳﻤﻴﻴﺮ‬

‫‪Advance‬‬ ‫‪800 124 8666‬‬ ‫‪+966 11 440 8666‬‬ ‫‪+966 11 440 8666‬‬ ‫‪800 124 8666‬‬ ‫أدﻓﺎﻧﺲ‬

‫‪All other Cards‬‬ ‫‪800 124 8888‬‬ ‫‪+966 11 406 2800‬‬ ‫‪+966 11 406 2800‬‬ ‫‪800 124 8888‬‬ ‫ﺟﻤﻴﻊ اﻟﺒﻄﺎﻗﺎت اﻷﺧﺮى‬

‫‪Page 05 - 16‬‬
3.2 After receipt by the Bank of notification of loss or theft of a ُ
‫أﻳـــﺎ ﻣـــﻦ اﻟﻘﻨـــﻮات اﻟﻤﺘﺎﺣـــﺔ‬ ً
‫إﺷـــﻌﺎرا ﻋـــﻦ ﻃﺮﻳـــﻖ‬ ‫ﺑﻌـــﺪ إﺳـــﺘﻼم اﻟﺒﻨـــﻚ‬ 3.2
Card to the Bank through any available channel, the Bank will ‫ ﻳﻘﻮم اﻟﺒﻨﻚ ﺑﺈﻳﻘـــﺎف اﻟﺒﻄﺎﻗﺔ‬، ‫اﻟﺮﺳـــﻤﻴﺔ ﻋﻦ ﻓﻘﺪ أو ﺳـــﺮﻗﺔ اﻟﺒﻄﺎﻗـــﺔ‬
block the Card. The Cardholder will thereafter have no further ‫اﻟﻤﺒﻠـــﻎ ﻋﻨﻬـــﺎ وﻟـــﻦ ﻳﺘﺤﻤـــﻞ ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗـــﺔ أي ﻣﺴـــﺆوﻟﻴﺔ أﺧـــﺮى ﺑﻌـــﺪ‬
liability provided that the Cardholder has acted in good faith ‫اﻹﺑﻼغ ﺷـــﺮﻳﻄﺔ أن ﻳﻜـــﻮن ﻗـــﺪ ﻗـــﺎم ﺑـــﺎﻹﺑﻼغ ﺑﺤﺴـــﻦ ﻧﻴـــﺔ وﺑـــﺬل ﻛﻞ‬
and with all reasonable care and diligence in safeguarding ‫اﻻﻫﺘﻤـــﺎم واﻟﺠﻬـــﺪ اﻟﻼزﻣﻴـــﻦ ﻟﻠﻤﺤﺎﻓﻈـــﺔ ﻋﻠـــﻰ اﻟﺒﻄﺎﻗـــﺔ ﻣـــﺎ ﻟـــﻢ ﻳﺜﺒﺖ‬
the Card unless it has proved to the Bank that he acted in bad ‫ وﻓــــﻲ ﺣﺎﻟﺔ اﻟﻌﺜﻮر ﻋﻠـــﻰ اﻟﺒﻄﺎﻗﺔ‬.‫ﻟﻠﺒﻨـــﻚ أن ﺗﺼﺮﻓـــﻪ ﻗﺪ ﺗﻢ ﺑﺴـــﻮء ﻧﻴﺔ‬
faith. In case the Cardholder recovers the Card, he/she shall ‫ﻓـــﺈن ﻋﻠـــﻰ ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗـــﺔ إﺑﻼغ اﻷﻣـــﺮ ﻟﻠﺒﻨـــﻚ واﻟﺸـــﺮﻃﺔ وﺗﺴـــﻠﻴﻢ‬
report the matter to the Bank and the police and immediately ‫ﻓﻮرا إﻟﻰ أي ﻣﻦ اﻟﻔﺮوع اﻟﺘﺎﺑﻌﺔ ﻟﻠﺒﻨﻚ ﻓــــﻲ‬ ً ‫اﻟﺒﻄﺎﻗـــﺔ اﻟﺘـــﻲ ﻋﺜـــﺮ ﻋﻠﻴﻬﺎ‬
hand over the recovered Card to any of the Bank’s branches ‫ ﻛﻤﺎ ﻳﺠـــﺐ ﻋﻠﻰ ﺣﺎﻣﻞ‬،‫اﻟﻤﻤﻠﻜـــﺔ اﻟﻌﺮﺑﻴـــﺔ اﻟﺴـــﻌﻮدﻳﺔ ﻟﻜﻲ ﻳﺘـــﻢ إﺗﻼﻓﻬﺎ‬
in the Country, for destruction. The Cardholder must not .‫اﻟﺒﻄﺎﻗـــﺔ ﻋﺪم ﻣﺤﺎوﻟﺔ اﺳـــﺘﺨﺪام اﻟﺒﻄﺎﻗﺔ‬
make any attempt to use the Card.
3.3 The Cardholder will be liable for all losses to the Bank arising ‫ﻣﺴـــﺆوﻻ ﻋـــﻦ ﺟﻤﻴﻊ اﻟﺨﺴـــﺎﺋﺮ اﻟﺘـــﻲ ﻳﺘﻜﺒﺪﻫﺎ اﻟﺒﻨﻚ‬
ً ‫ﻳﻜـــﻮن ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ‬ 3.3
from the use of the Card by any person obtaining possession ‫ﻧﺘﻴﺠـــﺔ ﻻﺳـــﺘﺨﺪام اﻟﺒﻄﺎﻗـــﺔ ﻣﻦ ﻗﺒـــﻞ أي ﺷـــﺨﺺ ﻳﺤﺼﻞ ﻋﻠﻴﻬـــﺎ ﺑﻤﻮاﻓﻘﺔ‬
of it with the Cardholder’s consent. .‫ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ‬
3.4 The Bank may its absolute discretion agree to issue a ً
‫ووﻓﻘـــﺎ ﻟﺘﻘﺪﻳﺮه وﺣـــﺪه اﻟﻤﻮاﻓﻘﺔ ﻋﻠﻰ إﺻـــﺪار ﺑﻄﺎﻗﺔ ﺑﺪﻳﻠﺔ‬ ‫ﻳﺠـــﻮز ﻟﻠﺒﻨـــﻚ‬ 3.4
replacement Card for any lost or stolen Card which shall be ‫ﻷي ﺑﻄﺎﻗﺔ ﻣﻔﻘﻮدة أو ﻣﺴـــﺮوﻗﺔ واﻟﺘﻲ ﺳـــﻴﺘﻢ إﺻﺪارﻫﺎ ﺑﻨﻔﺲ ﺷـــﺮوط‬
issued on the same Terms and Conditions as the original Card ‫ وﻳﺤﺘﻔﻆ‬.‫وأﺣـــﻜﺎم اﻟﺒﻄﺎﻗﺔ اﻷﺻﻠﻴﺔ أو ﺣﺴـــﺒﻤﺎ ﻳﺘﻢ ﺗﻌﺪﻳﻠﻬﺎ ﻣـــﻦ ﺣﻴﻦ ﻵﺧﺮ‬
or as may be amended from time to time. The Bank reserves ‫ رﺳـــﻢ إداري ﻋﻠﻰ ﺣﺴـــﺎب ﺣﺎﻣﻞ‬/ ‫اﻟﺒﻨﻚ ﺑﺤﻘﻪ ﻓــــﻲ ﻗﻴﺪ رﺳـــﻢ اﺳـــﺘﺒﺪال‬
the right to charge a replacement/ handling fee to the .‫اﻟﺒﻄﺎﻗﺔ وإﺷـــﻌﺎر ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ ﺑﺬﻟﻚ‬
Cardholder’s Card Account and notify the Cardholder.

4. Dormant, Unclaimed and Abandoned Credit Cards ‫اﻟﺒﻄﺎﻗـــﺎت اﻻﺋﺘﻤﺎﻧﻴﺔ اﻟﺮاﻛﺪة وﻏﻴـــﺮ اﻟﻤﻄﺎﻟﺐ ﺑﻬﺎ و اﻟﻤﺘﺮوﻛﺔ‬ .4
Card Account Dormancy states is defined as follows: ‫ﻳﺘﻢ ﺗﺼﻨﻴﻒ اﻟﺤﺴـــﺎﺑﺎت ﻏﻴـــﺮ اﻟﻤﺘﺤﺮﻛﺔ اﻟﺨﺎﺻﺔ ﺑﺎﻟﺒﻄﺎﻗـــﺎت اﻻﺋﺘﻤﺎﻧﻴﺔ ﻋﻠﻰ‬
:‫اﻟﻨﺤﻮ اﻟﺘﺎﻟﻲ‬
• Card Account is considered to be Active if no more than 24 ‫ ﺷـــﻬﺮا ﻋﻠﻰ آﺧﺮ‬24 ‫ﻳﻌﺘﺒﺮ ﺣﺴـــﺎب اﻟﺒﻄﺎﻗﺔ ﻧﺸـــﻂ ﻓﻲ ﺣﺎل ﻟﻢ ﺗﻤﻀﻲ ﻣﺪة‬ •
calendar months has elapsed from the date of last financial ‫ اﻟﺴـــﺤﺐ اﻟﻨﻘﺪي‬،‫ﻋﻤﻠﻴـــﺎت ﻣﺎﻟﻴـــﺔ ﻋﻠﻰ ﺳـــﺒﻴﻞ اﻟﻤﺜـــﺎل ﻻ اﻟﺤﺼﺮ )اﻟﺸـــﺮاء‬
transaction such as and not limited to (Purchase, Cash ‫وﻋﻤﻠﻴـــﺎت اﻟﺘﺠﺎرة اﻹﻟﻜﺘﺮوﻧﻴﺔ( اﻟﺘﻲ ﻳﻘﻮم ﺑﻬﺎ ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ اﻟﺮﺋﻴﺴـــﻲ أو‬
withdrawal, E-commerce transaction and Payment) done by .‫إﻻﺿﺎﻓﻴﺔ ﻣـــﻦ ﺧﻼل أي ﻗﻨﺎة ﻣﺼﺮﻓﻴﺔ ﻣﻌﺘﻤﺪة‬
the main cardholder or any supplementary cardholder
authenticated bank channel.
• Card Account is considered to be Dormant if it completes ‫ ﺷـــﻬﺮا ﻋﻠﻰ آﺧﺮ ﻋﻤﻠﻴﺎت‬24 ‫ﻳﻌﺘﺒﺮ ﺣﺴـــﺎب اﻟﺒﻄﺎﻗﺔ راﻛﺪ إذا أﻛﻤﻞ أﻛﺜﺮﻣﻦ‬ •
more than 24 calendar months from the date of last financial ‫ اﻟﺴـــﺤﺐ اﻟﻨﻘـــﺪي وﻋﻤﻠﻴﺎت‬،‫ﻣﺎﻟﻴـــﺔ ﻋﻠﻰ ﺳـــﺒﻴﻞ اﻟﻤﺜﺎل ﻻ اﻟﺤﺼﺮ )اﻟﺸـــﺮاء‬
transaction such as and not limited to (Purchase, Cash ‫اﻟﺘﺠـــﺎرة اﻹﻟﻜﺘﺮوﻧﻴﺔ( اﻟﺘﻲ ﻳﻘﻮم ﺑﻬﺎ ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ اﻟﺮﺋﻴﺴـــﻲ أو إﻻﺿﺎﻓﻴﺔ‬
withdrawal, E-commerce transaction and Payment) done by .‫ﻣـــﻦ ﺧﻼل أي ﻗﻨﺎة ﻣﺼﺮﻓﻴﺔ ﻣﻌﺘﻤﺪة‬
the main cardholder or any supplementary cardholder
authenticated bank channel.
• Card Account is considered to be Unclaimed if it completes ‫ ﺷـــﻬﺮا ﻋﻠﻰ آﺧﺮ‬60 ‫ﻳﻌﺘﺒﺮ ﺣﺴـــﺎب اﻟﺒﻄﺎﻗـــﺔ ﻏﻴﺮ ﻣﻄﺎﻟﺐ ﺑﻪ إذا أﻛﻤﻞ ﻣﺪة‬ •
60 calendar months from the date of last financial transaction ‫ اﻟﺴـــﺤﺐ اﻟﻨﻘﺪي‬،‫ﻋﻤﻠﻴـــﺎت ﻣﺎﻟﻴـــﺔ ﻋﻠﻰ ﺳـــﺒﻴﻞ اﻟﻤﺜـــﺎل ﻻ اﻟﺤﺼﺮ )اﻟﺸـــﺮاء‬
such as and not limited to (Purchase, Cash withdrawal, ‫وﻋﻤﻠﻴـــﺎت اﻟﺘﺠﺎرة اﻹﻟﻜﺘﺮوﻧﻴﺔ( اﻟﺘﻲ ﻳﻘﻮم ﺑﻬﺎ ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ اﻟﺮﺋﻴﺴـــﻲ أو‬
E-commerce transaction and Payment) done by the main .‫إﻻﺿﺎﻓﻴﺔ ﻣـــﻦ ﺧﻼل أي ﻗﻨﺎة ﻣﺼﺮﻓﻴﺔ ﻣﻌﺘﻤﺪة‬
cardholder or any supplementary cardholder authenticated
bank channel.
• Card Account is considered to be Abandoned if it completes ‫ ﺷـــﻬﺮا ﻋﻠﻰ آﺧـــﺮ ﻋﻤﻠﻴﺎت‬180 ‫ﻳﻌﺘﺒـــﺮ ﺣﺴـــﺎب اﻟﺒﻄﺎﻗﺔ ﻣﺘـــﺮوك إذا أﻛﻤﻞ‬ •
180 calendar months from the date of last financial ‫ اﻟﺴـــﺤﺐ اﻟﻨﻘـــﺪي وﻋﻤﻠﻴﺎت‬،‫ﻣﺎﻟﻴـــﺔ ﻋﻠﻰ ﺳـــﺒﻴﻞ اﻟﻤﺜﺎل ﻻ اﻟﺤﺼﺮ )اﻟﺸـــﺮاء‬
transaction such as and not limited to (Purchase, Cash ‫اﻟﺘﺠـــﺎرة اﻹﻟﻜﺘﺮوﻧﻴﺔ( اﻟﺘﻲ ﻳﻘﻮم ﺑﻬﺎ ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ اﻟﺮﺋﻴﺴـــﻲ أو إﻻﺿﺎﻓﻴﺔ‬
withdrawal, E-commerce transaction and Payment) done by .‫ﻣـــﻦ ﺧﻼل أي ﻗﻨﺎة ﻣﺼﺮﻓﻴﺔ ﻣﻌﺘﻤﺪة‬
the main cardholder or any supplementary cardholder
authenticated bank channel.

5. Credit Limit ‫ﺣﺪ اﻻﺋﺘﻤﺎن‬ .5

5.1 The Bank will assign a Credit Limit to the Card Account, ‫ﻳﻌﻴـــﻦ اﻟﺒﻨﻚ ﺣﺪ اﺋﺘﻤﺎن ﻟﺤﺴـــﺎب اﻟﺒﻄﺎﻗﺔ وﻳﺠـــﺐ ﻋﻠﻰ ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ ﻋﺪم‬ 5.1
which must not be exceeded without prior agreement of the .‫ﺗﺠﺎوزه دون ﻣﻮاﻓﻘﺔ ﻣﺴـــﺒﻘﺔ ﻣﻦ اﻟﺒﻨﻚ‬
Bank.
5.2 If a Cardholder exceeds the assigned Credit Limit without ‫إذا ﺗﺠﺎوز ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ ﺣﺪ اﻻﺋﺘﻤﺎن اﻟﻤﻘﺮر دون ﻣﻮاﻓﻘﺔ ﻣﺴـــﺒﻘﺔ ﻓﻴﺠﻮز‬ 5.2
prior agreement, the Bank may at its discretion cancel the ً
‫ﻓﻮرا دون إﺷـــﻌﺎر ﺣﺎﻣﻠﻬﺎ ﺑﺬﻟﻚ وﺗﺼﺒﺢ ﺟﻤﻴﻊ اﻟﻤﺒﺎﻟﻎ‬ ‫ﻟﻠﺒﻨﻚ إﻟﻐﺎء اﻟﺒﻄﺎﻗﺔ‬
Card immediately without notice to the Cardholder and all .‫ﻏﻴﺮ اﻟﻤﺴﺪدة ﻣﺴـــﺘﺤﻘﺔ وواﺟﺒﺔ اﻟﺪﻓﻊ اﻟﻔﻮري‬
Amounts Outstanding will thereupon become immediately
due and payable.
5.3 The Bank will assign a Credit Limit (”the Credit Limit”) to the ً
‫ﺣـــﺪا ﻟﻠﺘﺴـــﻬﻴﻼت اﻻﺋﺘﻤﺎﻧﻴـــﺔ ﻟﻠﺒﻄﺎﻗﺔ )ﺣﺪ اﻻﺋﺘﻤـــﺎن( وﻋﻠﻰ‬ ‫ﻳﻌﻴـــﻦ اﻟﺒﻨـــﻚ‬ 5.3
Card Account which must be strictly observed by the ‫ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗـــﺔ اﻟﺘﻘﻴـــﺪ ﺑﺬﻟـــﻚ اﻟﺤﺪ ﺑﺪﻗﺔ ﺗﺎﻣـــﺔ وﻳﻌﻴﻦ اﻟﺒﻨـــﻚ ذﻟﻚ اﻟﺤﺪ‬
Cardholder. The Credit Limit is determined by the Bank in ‫ وﻳﺨﻀﻊ ﻟﻠﺘﻐﻴﻴﺮ ﻣﻦ ﺣﻴﻦ‬،‫اﻟﻤﺬﻛـــﻮر ﺑﻨﺎء ﻋﻠﻰ ﻣﻌﺎﻳﻴﺮ اﻻﺋﺘﻤﺎن اﻟﻤﺘﺒﻌﺔ ﻟﺪﻳـــﻪ‬
accordance with its normal credit policy and is subject to ً
‫ وﺑﺈﻣـــﻜﺎن ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗـــﺔ اﻟﺘﻘﺪم‬،‫ ﻫﺬا‬.‫ﻃﺒﻘـــﺎ ﻟﺘﻘﺪﻳﺮ اﻟﺒﻨﻚ وﺣـــﺪه‬ ‫ﻵﺧـــﺮ‬
variation from time to time at the Bank’s absolute discretion. .‫ﺑﻄﻠـــﺐ ﻣﺮاﺟﻌﺔ اﻟﺤﺪ اﻻﺋﺘﻤﺎﻧﻲ ﻟﻪ ﻓــــﻲ أي وﻗﺖ ﻣﻦ اﻷوﻗﺎت‬
The Cardholder may, however, apply for a review of his/her
Credit Limit at any time.
5.4 The bank enables the cardholder to make cash advance ‫ﻳﻤﻜّ ـــﻦ اﻟﺒﻨـــﻚ ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗﺔ ﻣﻦ إﺟﺮاء ﻋﻤﻠﻴﺎت ﺳـــﺤﺐ ﻧﻘـــﺪي ﺗﺼﻞ إﻟﻰ‬ 5.4
transactions up to %30 of the assigned credit limit by the ‫ واﻟﺬي ﻳﺸـــﻤﻞ ﻋﻤﻠﻴﺎت‬،‫ ﻣـــﻦ اﻟﺤـــﺪ اﻻﺋﺘﻤﺎﻧﻲ اﻟﻤﻘﺮر ﻣﻦ ﻗﺒﻞ اﻟﺒﻨﻚ‬%30
bank, which includes Cash advance, Online Cash transfer and ‫ ﻋﻤﻠﻴﺎت ﺗﺤﻮﻳـــﻞ اﻟﻨﻘﺪ ﻋﻦ ﻃﺮﻳـــﻖ اﻷون ﻻﻳﻦ و ﺗﻐﺬﻳﺔ‬،‫اﻟﺴـــﺤﺐ اﻟﻨﻘـــﺪي‬
E-wallet Top-up transaction (Account funding transaction). .‫ﺣﺴﺎﺑﺎت اﻟﻤﺤﺎﻓﻆ اﻟﺮﻗﻤﻴﺔ‬

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‫‪6.‬‬ ‫‪Card Payments‬‬ ‫ﺳﺪاد ﻋﻤﻠﻴﺎت اﻟﺒﻄﺎﻗﺔ‬ ‫‪.6‬‬
‫‪6.1‬‬ ‫‪Non-compliance with the Credit Card Terms & Conditions or‬‬ ‫إن ﻋﺪم اﻟﻮﻓﺎء ﺑﺸـــﺮوط ﺑﻄﺎﻗﺔ اﻻﺋﺘﻤﺎن أو اﻟﺤﺴـــﻢ اﻟﺸـــﻬﺮي ﻋﻠﻰ اﻟﻨﺤﻮ‬ ‫‪6.1‬‬
‫‪monthly credit limit that are stated in the Agreement will‬‬ ‫اﻟﻤﺘﻔـــﻖ ﻋﻠﻴﻪ ﻓــــﻲ اﻻﺗﻔﺎﻗﻴﺔ و‪/‬أو ﻋﺪم اﻟﺘﺰام ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ ﺑﺴـــﺪاد أي‬
‫‪affect the customer’s credit report provided by the Saudi‬‬ ‫ﻣﺪﻳﻮﻧﻴـــﺔ ﻣﺘﺮﺗﺒﺔ ﻣﻦ ﺑﻄﺎﻗﺔ اﻻﺋﺘﻤﺎن اﻷﺻﻠﻴﺔ و‪ /‬أو اﻷﺿﺎﻓﻴﺔ ﺳـــﻮف ﻳﺆﺛﺮ‬
‫‪Company for Credit Information (SIMAH) and may result in‬‬ ‫ﻋﻠـــﻰ ﺳـــﺠﻞ اﻟﻌﻤﻴـــﻞ اﻻﺋﺘﻤﺎﻧـــﻲ ﻟـــﺪى اﻟﺸـــﺮﻛﺔ اﻟﺴـــﻌﻮدﻳﺔ ﻟﻠﻤﻌﻠﻮﻣﺎت‬
‫‪legal consequences.‬‬ ‫اﻻﺋﺘﻤﺎﻧﻴﺔ )ﺳـــﻤﺔ( ‪ ،‬ﺣﻴﺚ ﻗﺪ ﻳﺘﺮﺗـــﺐ ﻋﻠﻰ ذﻟﻚ ﺗﺒﻌﺎت ﻗﺎﻧﻮﻧﻴﺔ‪.‬‬
‫‪6.2‬‬ ‫‪The Primary Cardholder shall be liable for all liabilities‬‬ ‫اﻟﻤﺘﺮﺗﺒﺔ ﻋﻠﻰ‬‫ﻳﻜﻮن ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ اﻟﺮﺋﻴﺴـــﻲ ﻣﺴﺌﻮﻻ ﻋﻦ ﺟﻤﻴﻊ اﻻﻟﺘﺰاﻣﺎت ُ‬ ‫‪6.2‬‬
‫‪incurred under the Supplementary card, including any‬‬ ‫اﺳـــﺘﺨﺪام اﻟﺒﻄﺎﻗـــﺔ اﻻﺿﺎﻓﻴـــﺔ ﺑﻤـــﺎ ﻓـــﻲ ذﻟﻚ أي أرﺻـــﺪة ﻗﺎﺋﻤـــﺔ أو ﻏﻴﺮ‬
‫‪outstanding and or unpaid balances.‬‬ ‫ُﻣﺴﺪدة‪.‬‬
‫‪6.3‬‬ ‫‪Paying the monthly amount owing on the credit card does not‬‬ ‫إن ﺳـــﺪاد اﻟﻤﺒﻠـــﻎ اﻷدﻧـــﻰ اﻟﻤﺴـــﺘﺤﻖ ﻛﻞ ﺷـــﻬﺮ ﻋﻠﻰ اﻟﺒﻄﺎﻗـــﺔ ﻻ ﻳﻠﻐﻲ‬ ‫‪6.3‬‬
‫‪necessarily extinguish the financial liability of the customer‬‬ ‫ﺑﺎﻟﻀـــﺮورة اﻻﻟﺘـــﺰام اﻟﻤﺎﻟﻲ ﻋﻠـــﻰ اﻟﻌﻤﻴﻞ ﺑﻌـــﺪ ﻓﺘﺮة اﻟﺴـــﺪاد‪ ،‬وﻟﻤﻌﺮﻓﺔ‬
‫‪after the repayment period. To learn how to settle the‬‬ ‫ﻛﻴﻔﻴﺔ ﺳـــﺪاد اﻟﻤﺒﺎﻟﻎ اﻟﻤﺴـــﺘﺤﻘﺔ ﺑﺎﻟﻜﺎﻣـــﻞ أو ﻋﻠﻰ ﻓﺘﺮة ﻣﺤﺪودة ﻳﺮﺟﻰ‬
‫‪complete amount due in full or over a specified time period,‬‬ ‫اﺳﺘﺸﺎرة ﻣﺴـــﺆول اﻻﺋﺘﻤﺎن ﺑﺎﻟﺒﻨﻚ‪.‬‬
‫‪please consult the Bank’s credit officer.‬‬
‫‪6.4‬‬ ‫‪A Card Account statement will be issued and sent to the‬‬ ‫ً‬
‫ﺷـــﻬﺮﻳﺎ وإرﺳـــﺎﻟﻪ‬ ‫ﻳﺘـــﻢ إﺻﺪار ﻛﺸـــﻒ ﺣﺴـــﺎب اﻟﺒﻄﺎﻗـــﺔ ﻟﺤﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ‬ ‫‪6.4‬‬
‫‪Cardholder monthly through the Bank available channels with‬‬ ‫وإﺗﺎﺣﺘـــﻪ ﻋﻦ ﻃﺮﻳـــﻖ ﻗﻨﻮات اﻟﺒﻨـــﻚ‪ .‬وﻳﺘﻀﻤﻦ اﻟﻜﺸـــﻒ ﺗﻔﺎﺻﻴﻞ إﺟﻤﺎﻟﻲ‬
‫‪details of the total Amount Outstanding on the Card Account‬‬ ‫اﻟﻤﺒﻠﻎ اﻟﻤﺴـــﺘﺤﻖ ﻋﻠﻰ ﺣﺴـــﺎب اﻟﺒﻄﺎﻗﺔ اﻟﻤﺸـــﺘﻤﻞ ﻋﻠـــﻰ ﻣﺒﺎﻟﻎ ﻋﻤﻠﻴﺎت‬
‫‪including purchase transaction amounts, cash withdrawal‬‬ ‫ً‬
‫أﻳﻀـــﺎ اﻟﺤـــﺪ اﻷدﻧـــﻰ ﻟﻠﻤﺒﻠﻎ اﻟﺬي‬ ‫اﻟﺸـــﺮاء واﻟﺴـــﺤﺐ اﻟﻨﻘـــﺪي ﻛﺬﻟـــﻚ ‪/‬‬
‫‪and the minimum payment due computed at a rate to be‬‬ ‫ﻳﻌﻴﻨـــﻪ اﻟﺒﻨـــﻚ وﻳﺘﻌﻴـــﻦ ﺳـــﺪاده وﻫـــﻮ ﻧﺴـــﺒﺔ ﻣـــﻦ اﻟﻤﺒﻠـــﻎ اﻟﻤﺴـــﺘﺤﻖ‬
‫‪determined by the Bank and notified to the Cardholder from‬‬ ‫وﻳﺤﺪدﻫـــﺎ اﻟﺒﻨـــﻚ وﻳﺒﻠﻎ ﺑﻬﺎ ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗﺔ ﻣﻦ وﻗﺖ ﻵﺧـــﺮ ﻛﻤﺎ ﻳﺘﻀﻤﻦ‬
‫‪time to time and the date by which the payment must be‬‬ ‫اﻟﻜﺸـــﻒ اﻟﺘﺎرﻳـــﺦ اﻟـــﺬي ﻳﺘﻌﻴﻦ ﺑﺤﻠﻮﻟﻪ دﻓـــﻊ اﻟﻤﺒﻠﻎ ﻟﻠﺒﻨﻚ وﻳﺸـــﻤﻞ اﻟﺤﺪ‬
‫‪made to the Bank. The Minimum Amount Due also includes‬‬ ‫ً‬
‫أﻳﻀـــﺎ أي ﺣـــﺪ أدﻧـــﻰ ﺳـــﺎﺑﻖ ﻟﻤﺒﻠـــﻎ‬ ‫اﻷدﻧـــﻰ ﻟﻠﻤﺒﻠـــﻎ اﻟﻤﺴـــﺘﺤﻖ اﻟﺪﻓـــﻊ‬
‫‪any unpaid Minimum Amount Due from any previous‬‬ ‫ﻣﺴـــﺘﺤﻖ اﻟﺪﻓـــﻊ ﻣﻦ أي ﻛﺸـــﻒ ﺣﺴـــﺎب ﺳـــﺎﺑﻖ ﻟﻢ ﻳﺘﻢ ﺳـــﺪاده‪ .‬وأي‬
‫‪statements which has not been settled, any amount over the‬‬ ‫ﻣﺒﻠﻎ ﻓﻮق اﻟﺤﺪ اﻻﺋﺘﻤﺎﻧﻲ وأي رﺳـــﻮم أﺧﺮى ﻛﻤﺎ ﻫﻮ ﻣﻮﺿﺢ ﻓــــﻲ دﻟﻴﻞ‬
‫‪Credit Limit and any other fees stated in the Card User Guide.‬‬ ‫اﺳﺘﺨﺪام اﻟﺒﻄﺎﻗﺔ‪.‬‬
‫‪6.5‬‬ ‫‪Should the customer settle only the minimum of the total‬‬ ‫ﻓـــﻲ ﺣـــﺎل اﻛﺘﻔـــﺎء اﻟﻌﻤﻴـــﻞ ﺑﺴـــﺪاد اﻟﺤـــﺪ اﻷدﻧﻰ ﻣـــﻦ إﺟﻤﺎﻟـــﻲ اﻟﻤﺒﻠﻎ‬ ‫‪6.5‬‬
‫‪amount due on or before due date; the Bank shall carry out a‬‬ ‫اﻟﻤﺴـــﺘﺤﻖ ﺳـــﺪاده ﻓــــﻲ أو ﻗﺒﻞ ﻳﻮم اﻻﺳـــﺘﺤﻘﺎق‪ ،‬ﻳﻘﻮم اﻟﺒﻨﻚ ﺑﺈﺟﺮاء‬
‫‪Tawarruq transaction by selling certain commodities owned‬‬ ‫ً‬
‫ﻓﻀﻮﻟﻴـــﺎ ﻋﻠﻰ‬ ‫ً‬
‫ﺑﻴﻌـــﺎ‬ ‫ﻋﻤﻠﻴـــﺔ اﻟﺘـــﻮرق ﺑﺒﻴـــﻊ ﺳـــﻠﻊ ﻣﻌﻴﻨـــﺔ ﻳﻤﻠﻜﻬـــﺎ اﻟﺒﻨﻚ‬
‫‪by the Bank on a FUDOLY basis to the Cardholder for the‬‬ ‫ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗـــﺔ ﺑﻘﻴﻤـــﺔ ﻣـــﺎ ﺗﺒﻘـــﻰ ﻣـــﻦ اﻟﻤﺒﻠـــﻎ اﻹﺟﻤﺎﻟـــﻲ اﻟﻤﺴـــﺘﺤﻖ‬
‫‪remaining balance of the total amount due by one instalment‬‬ ‫ﺑﻘﺴـــﻂ واﺣـــﺪ ﻣﺪﺗـــﻪ ﺷـــﻬﺮ ﻣـــﻦ ﺗﺎرﻳـــﺦ اﻻﺳـــﺘﺤﻘﺎق واﻟﻘﻴـــﺎم ﺑﺴـــﺪاد‬
‫‪for one month starting as of the due date and to settle the‬‬ ‫ﻣﺴـــﺘﺤﻘﺎت اﻟﺒﻄﺎﻗـــﺔ ﻣـــﻦ اﻟﻤﺒﺎﻟـــﻎ ﻟﻤﺤﺼﻠﺔ ﻣـــﻦ ﺟﺮاء ﺑﻴﻊ ﺗﻠﻚ اﻟﺴـــﻠﻊ‬
‫‪Card dues from the proceeds of selling the said commodities‬‬ ‫ﻧﻴﺎﺑﺔ ﻋـــﻦ اﻟﻌﻤﻴﻞ‪.‬‬
‫‪on behalf of the customer.‬‬
‫‪6.6‬‬ ‫‪If the Cardholder pays the full outstanding balance on or‬‬ ‫ﻋﻨﺪ ﻗﻴﺎم اﻟﻌﻤﻴﻞ ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ ﺑﺴـــﺪاد اﻟﻤﺒﻠﻎ اﻹﺟﻤﺎﻟﻲ اﻟﻤﺴـــﺘﺤﻖ ﻋﻠﻴﻪ‬ ‫‪6.6‬‬
‫‪before the due date, no Tawarruq shall take place.‬‬ ‫ﻛﺎﻣﻼ ﺧﻼل ﻓﺘﺮة اﻟﺴـــﻤﺎح ﻓﻼ ﻳﺠﺮى اﻟﺘﻮرق‪.‬‬ ‫ً‬
‫‪6.7‬‬ ‫‪Tawarruq transaction will appear in the next statement of the‬‬ ‫ﺳـــﺘﻈﻬﺮ ﻋﻤﻠﻴـــﺔ اﻟﺘﻮرق ﻓــــﻲ ﻛﺸـــﻒ ﺣﺴـــﺎب اﻟﺒﻄﺎﻗﺔ اﻟﺘﺎﻟﻲ‪ ،‬وﻓــــﻲ‬ ‫‪6.7‬‬
‫‪Card and in case such action is not objected by the‬‬ ‫ﺣﺎﻟـــﺔ ﻋﺪم اﻋﺘـــﺮاض اﻟﻌﻤﻴـــﻞ ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗـــﺔ ﻋﻠﻰ ﻫـــﺬا اﻟﺘﺼﺮف ﺧﻼل‬
‫‪Cardholder within 20 days from the date of the statement‬‬ ‫ﻳﻮﻣـــﺎ ﻣﻦ ﺗﺎرﻳﺦ إﺻﺪار ﻛﺸـــﻒ اﻟﺤﺴـــﺎب‪ ،‬ﻓﺴـــﻮف ﻳﻌﺘﺒﺮ ﻫﺬا إﺟﺎزة‬ ‫ً‬ ‫‪20‬‬
‫‪issue that will be regarded as acceptance by him.‬‬ ‫ﻣﻨﻪ ‪.‬‬
‫‪6.8‬‬ ‫‪If the card holder is proven to have been engaged in any fraud‬‬ ‫إذا ﺗﺒﻴـــﻦ أن ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗﺔ ﻣﺘﻮرط ﻓــــﻲ ﺗﺼﺮﻓـــﺎت اﺣﺘﻴﺎﻟﻴﺔ ﺑﺨﺼﻮص‬ ‫‪6.8‬‬
‫‪behaviors relating to the disputed transactions, and if the‬‬ ‫ﻋﻤﻠﻴـــﺎت اﻟﻤﺘﻨـــﺎزع ﻋﻠﻴﻬـــﺎ‪ ،‬وإذا ﻣـــﺎ رﻓـــﺾ ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗـــﺔ ﺗﻘﺪﻳـــﻢ‬
‫‪card holder refuses to provide relevant necessary materials‬‬ ‫اﻟﻤﺴـــﺘﻨﺪات اﻟﻼزﻣـــﺔ وذات اﻟﻌﻼﻗـــﺔ ﻟﻠﺘﺤﻘﻴـــﻖ ﻓــــﻲ اﻟﻌﻤﻠﻴـــﺎت‬
‫‪for the investigation of the disputed transaction, the bank‬‬ ‫اﻟﻤﺘﻨـــﺎزع ﻋﻠﻴﻬـــﺎ ﻓﻠـــﻦ ﻳﺘﺤﻤـــﻞ اﻟﺒﻨـــﻚ أﻳـــﺔ ﻣﺴـــﺆوﻟﻴﺔ ﻋـــﻦ ﻫـــﺬه‬
‫‪shall have no liability for the disputed transactions.‬‬ ‫ا ﻟﻤﻌﺎ ﻣ ﻼت ‪.‬‬
‫‪6.9‬‬ ‫‪If the Cardholder objects to the Tawarruq transaction within the‬‬ ‫ﻓــــﻲ ﺣـــﺎل اﻋﺘﺮاض اﻟﻌﻤﻴـــﻞ ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗﺔ ﻋﻠـــﻰ ﻋﻤﻠﻴـــﺔ اﻟﺘﻮرق ﺧﻼل‬ ‫‪6.9‬‬
‫‪20 days period from issue of the statement of account, the‬‬ ‫ﻳﻮﻣـــﺎ ﻣﻦ ﺗﺎرﻳﺦ إﺻﺪار ﻛﺸـــﻒ اﻟﺤﺴـــﺎب‪ ،‬ﻳﻘﻮم‬ ‫ً‬ ‫اﻟﻤـــﺪة اﻟﻤﺤـــﺪدة ﺑـ ‪20‬‬
‫‪Bank shall review the request of the Cardholder and refund the‬‬ ‫اﻟﺒﻨـــﻚ ﺑﻤﺮاﺟﻌـــﺔ ﻃﻠـــﺐ ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗـــﺔ وإﻋـــﺎدة ﻛﺎﻣﻞ ﻗﻴﻤـــﺔ اﻟﺘﻮرق‬
‫‪entire amount of the Tawarruq and the profit of the objected‬‬ ‫واﻟﺮﺑـــﺢ ﻟﻠﻌﻤﻠﻴـــﺔ اﻟﻤﻌﺘـــﺮض ﻋﻠﻴﻬـــﺎ ﻓﻘـــﻂ‪ ،‬وﻟﻠﺒﻨـــﻚ اﻟﺤـــﻖ ﻓــــﻲ إﻳﻘﺎف‬
‫‪transaction only. The Bank has the right to stop the Card and‬‬ ‫اﻟﺒﻄﺎﻗـــﺔ وﻣﻄﺎﻟﺒـــﺔ اﻟﻌﻤﻴـــﻞ ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗﺔ ﺑﺴـــﺪاد اﻟﻤﺒﻠﻎ اﻟﻤﺴـــﺘﺤﻖ‬
‫‪claim settlement of the whole amount due from the Cardholder.‬‬ ‫ﻛﺎﻣﻼ‪.‬‬
‫ً‬ ‫ﻋﻠﻴﻪ‬
‫‪6.10‬‬ ‫‪In all of the above cases, Tawarruq will be processed only‬‬ ‫ﻓــــﻲ ﺟﻤﻴـــﻊ اﻷﺣﻮال اﻟﻤﺬﻛﻮرة أﻋﻼه ﻻ ﻳﺆﺧﺬ ﺑﺈﺟـــﺮاءات اﻟﺘﻮرق إﻻ ﺑﻌﺪ‬ ‫‪6.10‬‬
‫‪after the expiry of the grace period and provided the‬‬ ‫ً‬
‫ﻣﻌﺴـــﺮا ‪.‬‬ ‫ﻣﻀـــﻲ ﻓﺘﺮة اﻟﺴـــﻤﺎح وأن ﻻ ﻳﻜﻮن ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ‬
‫‪Cardholder is not a bankrupt.‬‬
‫‪6.11‬‬ ‫‪If the Cardholder defaulted payment of the Amount‬‬ ‫ﻓــــﻲ ﺣﺎﻟﺔ ﺗﻌﺜﺮ ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ ﻓــــﻲ دﻓﻊ اﻟﻤﺒﺎﻟﻎ اﻟﻤﺴﺘﺤﻘﺔ ﻋﻠﻴﻪ ﻓـﻲ ﻳﻮم‬ ‫‪6.11‬‬
‫‪Outstanding on maturity, then the Card will be suspended,‬‬ ‫اﻻﺳﺘﺤﻘﺎق ﻓﺴـــﺘﻮﻗﻒ اﻟﺒﻄﺎﻗﺔ وﻟﻠﺒﻨﻚ ﻋﺪم ﺗﻨﻔﻴﺬ ﻋﻤﻠﻴﺔ اﻟﺘﻮرق ﻟﺴﺪاد‬
‫‪and the Bank may not process the Tawarruq for settlement of‬‬ ‫ﻋﻤﻠﻴﺎت اﻟﺒﻄﺎﻗﺔ‪.‬‬
‫‪the Card’s transactions.‬‬
‫‪6.12‬‬ ‫‪If the Cardholder objects against any transaction after‬‬ ‫ﻓــــﻲ ﺣﺎل اﻋﺘﺮاض ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ ﻋﻠﻰ أي ﻋﻤﻠﻴﺔ ﺑﻌﺪ ﺗﻨﻔﻴﺬ ﻋﻤﻠﻴﺔ اﻟﺘﻮرق‬ ‫‪6.12‬‬
‫‪processing of Tawarruq which includes the respective‬‬ ‫اﻟﺘﻲ ﺗﺸـــﻤﻞ اﻟﻤﺒﺎﻟﻎ اﻟﻤﻌﺘﺮض ﻋﻠﻴﻬﺎ ﻓﺈن اﻟﻤﺒﺎﻟﻎ اﻟﺘﻲ ﺳـــﺘﻌﺎد إﻟﻰ ﺣﺴﺎب‬
‫‪disputed amounts, then the amounts that will be refunded to‬‬ ‫اﻟﺒﻄﺎﻗﺔ ﺳـــﺘﻜﻮن ﺑﻘﻴﻤﺔ اﻟﻌﻤﻠﻴﺔ اﻟﻤﻌﺘﺮض ﻋﻠﻴﻬﺎ ورﺑﺤﻬﺎ ﻓﻘﻂ وذﻟﻚ ﻓﻲ‬
‫‪the Card Account will only be equivalent to the value of the‬‬ ‫ﺣﺎل ﺗﻢ ﻗﺒﻮل اﻻﻋﺘﺮاض‪.‬‬
‫‪disputed transaction and the profit thereof.‬‬
‫‪6.13‬‬ ‫‪If payments are made by cheque, the Cardholder must‬‬ ‫ﻋﻨﺪﻣـــﺎ ﻳﺘـــﻢ اﻟﺴـــﺪاد ﺑﻮاﺳـــﻄﺔ ﺷـــﻴﻚ‪ ،‬ﻓﻌﻠﻰ ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗـــﺔ أن ﻳﻘﺪم‬ ‫‪6.13‬‬
‫‪provide the cheque 7 working days before the payment due‬‬ ‫اﻟﺸـــﻴﻚ ﻗﺒـــﻞ ﺳـــﺒﻌﺔ )‪ (7‬أﻳـــﺎم ﻋﻤـــﻞ ﻣـــﻦ ﺗﺎرﻳـــﺦ اﻻﺳـــﺘﺤﻘﺎق ﻹﻣـــﻜﺎن‬
‫‪date for clearing purposes.‬‬ ‫اﻟﻤﻘﺎﺻﺔ‪.‬‬
‫‪6.14‬‬ ‫‪The Cardholder may issue a direct debit standing instruction‬‬ ‫ﻳﺠـــﻮز ﻟﺤﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ إﺻﺪار ﺗﻌﻠﻴﻤﺎت داﺋﻤﺔ ﻟﻠﺨﺼﻢ ﻣﺒﺎﺷـــﺮة ﻣﻦ ﺣﺴـــﺎب‬ ‫‪6.14‬‬
‫‪on an account with the Bank (the Nominated Account) to‬‬ ‫ﻟـــﺪى اﻟﺒﻨـــﻚ )اﻟﺤﺴـــﺎب اﻟﻤﻌﻴـــﻦ( ﻟﺘﺴـــﺪﻳﺪ اﻟﻤﺒﻠـــﻎ اﻟﻤﺴـــﺘﺤﻖ ﻓــــﻲ ﺗﺎرﻳﺦ‬
‫‪settle the Amount Outstanding on the Payment Due Date. For‬‬ ‫اﺳـــﺘﺤﻘﺎق اﻟﺪﻓـــﻊ وﺗﻄﺒـــﻖ اﻟﺸـــﺮوط واﻷﺣـــﻜﺎم اﻹﺿﺎﻓﻴـــﺔ اﻟﺘﺎﻟﻴـــﺔ ﻋﻠﻰ‬
‫‪direct debit standing instruction, the following additional‬‬ ‫اﻟﺘﻌﻠﻴﻤﺎت اﻟﺪاﺋﻤﺔ‪:‬‬
‫‪Terms and Conditions shall apply:‬‬

‫‪Page 07 - 16‬‬
a) The Cardholder agrees that the Bank reserves the right to ‫ﻳﻮاﻓـــﻖ ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗﺔ ﻋﻠﻰ أن اﻟﺒﻨﻚ ﻳﺤﺘﻔـــﻆ ﺑﺤﻖ ﺗﺤﺪﻳﺪ أوﻟﻮﻳﺔ أي ﻣﻦ‬ (‫أ‬
determine the priority of any such standing instruction ‫ﻫﺬه اﻟﺘﻌﻠﻴﻤﺎت اﻟﺪاﺋﻤﺔ اﻟﻤﺘﻌﻠﻘﺔ ﺑﺎﻟﺸـــﻴﻜﺎت اﻟﻤﻘﺪﻣﺔ ﻟﻠﺤﺴـــﺎب اﻟﻤﻌﻴﻦ‬
against cheques presented to the Nominated Account or any .‫أو أي ﺗﺮﺗﻴﺒـــﺎت أﺧﺮى ﺗﺘﻢ ﻣﻊ اﻟﺒﻨﻚ‬
other arrangements made with the Bank.
b) The Cardholder agrees that any amendments and ‫ﻳﻮاﻓـــﻖ ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗـــﺔ ﻋﻠـــﻰ أن أي ﺗﻌﺪﻳـــﻞ أو إﻟﻐـــﺎء ﻷي ﻣـــﻦ ﺗﻠـــﻚ‬ (‫ب‬
cancellations to any such standing instructions should reach ‫اﻟﺘﻌﻠﻴﻤـــﺎت اﻟﺪاﺋﻤﺔ ﻳﺠﺐ أن ﻳﺼﻞ إﻟﻰ اﻟﺒﻨﻚ ﻗﺒﻞ أﺳـــﺒﻮع ﻋﻠﻰ اﻷﻗﻞ ﻣﻦ‬
the Bank at least one week before the next Payment Due Date. .‫ﺗﺎرﻳﺦ اﺳـــﺘﺤﻘﺎق اﻟﺪﻓﻊ اﻟﺘﺎﻟﻲ‬
6.15 If the customer does not pay the amount due to the Bank by ‫إذا ﻃﺎﻟـــﺐ اﻟﺒﻨـــﻚ اﻟﻌﻤﻴﻞ ﺑﺴـــﺪاد اﻟﺪﻳﻦ اﻟﺬي ﺣﺎن وﻗﺖ ﺳـــﺪاده ﺛﻢ ﺗﺄﺧﺮ‬ 6.15
the agreed due date, then the Bank will impose a penalty ‫اﻟﻌﻤﻴﻞ ﻓــــﻲ اﻟﺴـــﺪاد ﻓﺴـــﻮف ﻳﻔـــﺮض اﻟﺒﻨﻚ ﻋﻠـــﻰ اﻟﻌﻤﻴﻞ ﻏﺮاﻣـــﺔ ﺗﺄﺧﻴﺮ‬
charge on the customer and the amount will be paid to charity ‫ وﻳﻘﺘﻄﻊ ﻣﻨﻬـــﺎ اﻟﻤﺼﺎرﻳﻒ اﻟﻔﻌﻠﻴـــﺔ ﻟﻠﺘﺤﺼﻴﻞ إن‬،‫ﺗﺼﺮف ﻓــــﻲ وﺟـــﻮه اﻟﺨﻴﺮ‬
after deducting the actual expenses of collection if any. .‫وﺟﺪت‬
6.16 If the Cardholder disagrees with any charge indicated in the ‫ﻓــــﻲ ﺣﺎل اﻋﺘﺮاض ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ ﻋﻠﻰ أي ﻣﺒﻠﻎ ﻳﺮد ﻓــــﻲ اﻟﻜﺸﻒ اﻟﺸﻬﺮي‬ 6.16
monthly statement, this should be communicated to the ً
‫ﻳﻮﻣـــﺎ ﻣﻦ ﺗﺎرﻳﺦ‬ 30 ‫ﻓﻴﺠـــﺐ ﻋﻠﻴـــﻪ إﺑﻼغ اﻟﺒﻨـــﻚ ﺑﺎﻋﺘﺮاﺿﻪ ﻋﻠﻰ ذﻟـــﻚ ﺧﻼل‬
Bank within 30 days of the statement date, failing which, the ‫اﻟﻜﺸـــﻒ وإﻻ ﻓـــﺈن اﻟﺒﻨـــﻚ ﻻ ﻳﻀﻤﻦ ﻗﺒـــﻮل اﻻﻋﺘﺮاض ﻋﻠـــﻰ اﻟﻌﻤﻠﻴﺔ ﻟﺪى‬
Bank will not be in a position to guarantee the success of .‫ أو اﻟﺘﺎﺟﺮ‬/ ‫اﻟﺒﻨـــﻚ اﻟﻤﻨﻔﺬ ﻟﻬﺎ و‬
disputing the transaction with the transaction processing
Bank and or the merchant.
6.17 Any payments made by a Cardholder will be applied by the ‫ﻳﻘﻮم اﻟﺒﻨﻚ ﺑﺎﺳـــﺘﺨﺪام أﻳﺔ ﻣﺪﻓﻮﻋﺎت ﺗﺘﻢ ﻣﻦ ﻗﺒﻞ ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ ﻟﺴﺪاد‬ 6.17
Bank in or towards payment of the Cardholder’s liabilities to ‫اﻻﻟﺘﺰاﻣـــﺎت اﻟﻤﺘﺮﺗﺒـــﺔ ﻋﻠﻰ اﺳـــﺘﺨﺪام اﻟﺒﻄﺎﻗـــﺔ ﺗﺠﺎه اﻟﺒﻨـــﻚ ﺑﻤﻮﺟﺐ ﻫﺬه‬
the Bank under these Terms and Conditions in such order as .‫اﻟﺸﺮوط واﻷﺣﻜﺎم وذﻟﻚ ﺣﺴـــﺐ اﻟﺘﺮﺗﻴﺐ اﻟﺬي ﻳﻘﺮره اﻟﺒﻨﻚ‬
the Bank may decide.

7. Cancelling this Agreement ‫إﻧﻬﺎء اﻻﺗﻔﺎﻗﻴﺔ‬ .7

7.1 The Cardholder may cancel the Credit or Charge Card for free ‫ أﻳﺎم ﻣﻦ‬10 ‫ﻳﺤﻖ ﻟﻠﻌﻤﻴﻞ إﻟﻐﺎء اﻟﺒﻄﺎﻗﺔ اﻻﺋﺘﻤﺎﻧﻴﺔ أو ﺑﻄﺎﻗﺔ اﻟﺤﺴﻢ ﺧﻼل‬ 7.1
charge within 10 days of receiving the Card, and the Card ً
‫ﻣﺠﺎﻧﺎ ﺑﺪون أي رﺳﻮم وﻟﻦ ﻳﺤﺘﺴﺐ اﻟﺒﻨﻚ اﻟﻤﺼﺪر أي رﺳﻮم إﻻ‬ ‫اﺳﺘﻼﻣﻬﺎ‬
Issuer will not claim any fee unless the Cardholder has .‫إذا ﻗﺎم اﻟﻌﻤﻴـــﻞ ﺑﺘﻔﻌﻴﻞ اﻟﺒﻄﺎﻗﺔ‬
activated the Card.
7.2 The Bank may terminate this Agreement with the Cardholder ‫ﻳﺠـــﻮز ﻟﻠﺒﻨـــﻚ إﻧﻬـــﺎء ﻫـــﺬه اﻻﺗﻔﺎﻗﻴﺔ اﻟﻤﺒﺮﻣﺔ ﻣـــﻊ ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗﺔ ﻓﻲ أي‬ 7.2
at any time by cancelling the Card with or without prior notice ‫وﻗﺖ وذﻟﻚ ﺑﺈﻟﻐﺎء اﻟﺒﻄﺎﻗﺔ ﺑﺈﺷـــﻌﺎر أو ﺑﺪون إﺷـــﻌﺎر ﻣﺴـــﺒﻖ وﺑﺘﺤﺪﻳﺪ أو‬
and with or without assigning any reason, or refusing to renew ‫ ﻛﻤﺎ ﻳﺠﻮز ﻟﺤﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ‬.‫ﺑﺪون ﺗﺤﺪﻳﺪ أي ﺳـــﺒﺐ أو رﻓﺾ ﺗﺠﺪﻳﺪ اﻟﺒﻄﺎﻗﺔ‬
the Card. The Cardholder may terminate the Agreement at any ً
‫ﻣﺼﺤﻮﺑﺎ ﺑﺈﻋﺎدة‬ ‫إﻧﻬﺎء اﻻﺗﻔﺎﻗﻴﺔ ﻓــــﻲ أي وﻗﺖ ﺑﺘﻮﺟﻴﻪ إﺷﻌﺎر ﺧﻄﻲ ﻟﻠﺒﻨﻚ‬
time by written notice to the Bank accompanied by the return .‫اﻟﺒﻄﺎﻗﺔ وأي ﺑﻄﺎﻗﺎت إﺿﺎﻓــــﻴﺔ‬
of the Card and any Supplementary Cards.
7.3 A Cardholder may terminate the relevant Credit Card ‫ﻳﺤـــﻖ ﻟﺤﺎﻣـــﻞ اﻟﺒﻄﺎﻗـــﺔ إﻧﻬـــﺎء اﺗﻔﺎﻗﻴﺔ ﺑﻄﺎﻗـــﺔ اﻻﺋﺘﻤﺎن إذا ﻟـــﻢ ﻳﻮاﻓﻖ‬ 7.3
Agreement if they do not agree to any amendment, change or ‫ﻋﻠـــﻰ اﻟﺘﻌـــﺪﻳﻼت أو اﻟﺘﻐﻴﻴـــﺮات وذﻟﻚ ﺑﺈﺧﻄـــﺎر اﻟﺒﻨﻚ ﺑﺮﻏﺒﺘﻪ ﻓــــﻲ إﻧﻬﺎء‬
modification by notifying the Bank of their desire to terminate ً
‫ﻳﻮﻣـــﺎ ﻣـــﻦ اﺳـــﺘﻼﻣﻪ ﻹﺷـــﻌﺎر اﻟﺘﻐﻴﻴـــﺮ ﺑﻮاﺳـــﻄﺔ‬ (14 ) ‫اﻻﺗﻔﺎﻗﻴـــﺔ ﺧﻼل‬
the Credit or Charge Card Agreement within 14 calendar ‫وﺳـــﻴﻠﺔ اﺗﺼـــﺎل ﻣﻀﻤﻮﻧـــﺔ وﺑﻌـــﺪ ﺳـــﺪاد ﻛﺎﻓـــﺔ اﻟﻤﺒﺎﻟـــﻎ اﻟﻘﺎﺋﻤـــﺔ ﻋﻠﻰ‬
Days after their receipt and after paying the outstanding . ‫ا ﻟﺒﻄﺎ ﻗﺔ‬
amount.
7.4 The whole of the Amount Outstanding on the Cardholder’s ‫ﺗﺼﺒـــﺢ ﺟﻤﻴـــﻊ اﻟﻤﺒﺎﻟـــﻎ اﻟﻤﺴـــﺘﺤﻘﺔ ﻋﻠـــﻰ ﺣﺴـــﺎب اﻟﺒﻄﺎﻗـــﺔ ﻣﺴـــﺘﺤﻘﺔ‬ 7.4
Card Account shall become due and payable to the Bank on ‫ وﻳﻮاﻓـــﻖ ﺣﺎﻣﻞ‬.‫وواﺟﺒـــﺔ اﻟﺪﻓـــﻊ ﻟﻠﺒﻨـــﻚ ﻋﻨـــﺪ إﻧﻬـــﺎء ﻫـــﺬه اﻻﺗﻔﺎﻗﻴﺔ‬
the termination of this Agreement. The Cardholder agrees ‫اﻟﺒﻄﺎﻗـــﺔ ﻋﻠﻰ أن ﻳﻜﻮن ﻟﻠﺒﻨﻚ اﻟﺤﻖ ﻓــــﻲ ﺣﺠﺰ أﻳﺔ ﻣﺒﺎﻟﻎ ﻣﻮدﻋﺔ ﻓــــﻲ‬
that the Bank shall have the right to retain any funds placed ‫ أو أي ﺣﺴـــﺎب آﺧـــﺮ ﻳﺤﺘﻔـــﻆ ﺑﻪ‬/ ‫ ﺣﺴـــﺎب اﻟﺘﻮﻓﻴـــﺮ‬/ ‫اﻟﺤﺴـــﺎب اﻟﺠـــﺎري‬
in the Cardholder’s Current/Savings or any other account ‫ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗـــﺔ ﻟـــﺪى اﻟﺒﻨـــﻚ أو أي وداﺋـــﻊ ﻣﺤﻔﻮﻇـــﺔ ﻟـــﺪى اﻟﺒﻨـــﻚ‬
with the Bank or deposits held as a security for the issuance ‫ أو ﺑﻄﺎﻗـــﺔ أو ﺑﻄﺎﻗـــﺎت إﺿﺎﻓﻴﺔ ﻟﻤﺪه‬/‫ﻛﻀﻤـــﺎن ﻹﺻـــﺪار اﻟﺒﻄﺎﻗـــﺔ و‬
of Card and/or Supplementary Card(s) for a period of up to 45 ً
‫ﻳﻮﻣـــﺎ ﺑﻌـــﺪ إﻋـــﺎدة اﻟﺒﻄﺎﻗـــﺔ وأي ﺑﻄﺎﻗـــﺔ أو ﺑﻄﺎﻗـــﺎت‬ 45 ‫أﻗﺼﺎﻫـــﺎ‬
days after the Card and any Supplementary Card(s) have ً
‫ﻓﻌﻠﻴـــﺎ إﻟﻰ اﻟﺒﻨـــﻚ وإﺟﺮاء ﻣﻘﺎﺻـــﺔ ﻟﻜﺎﻓﺔ اﻟﻤﺒﺎﻟﻎ اﻟﻤﺴـــﺘﺤﻘﺔ‬ ‫إﺿﺎﻓﻴـــﺔ‬
been physically returned to the Bank, and to offset any such ‫ﻋﻠـــﻰ ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗـــﺔ ﻟﻠﺒﻨـــﻚ ﻣﻘﺎﺑﻞ أي ﻣﻦ ﺗﻠﻚ اﻟﻤﺒﺎﻟﻎ دون إﺷـــﻌﺎر‬
funds without notice to the Cardholder. .‫ﻟﺤﺎﻣـــﻞ اﻟﺒﻄﺎﻗﺔ‬
7.5 In the event of a Cardholder’s bankruptcy all Amounts ‫ﻓــــﻲ ﺣﺎﻟﺔ إﻓﻼس ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗﺔ ﻓﺈن ﺟﻤﻴﻊ اﻟﻤﺒﺎﻟﻎ ﻏﻴﺮ اﻟﻤﺴـــﺪدة ﺗﺼﺒﺢ‬ 7.5
Outstanding are immediately due and payable and the / ‫ ﺣﺎﻣﻠـــﻲ أي ﺑﻄﺎﻗﺔ‬/ ‫ﻣﺴـــﺘﺤﻘﺔ وواﺟﺒـــﺔ اﻟﺪﻓـــﻊ اﻟﻔـــﻮري وﻋﻠـــﻰ ﺣﺎﻣـــﻞ‬
holder(s) of any Supplementary Card(s) will immediately ً
‫ﻓﻮرا ﻋﻦ اﺳـــﺘﺨﺪام ﺗﻠﻚ اﻟﺒﻄﺎﻗـــﺎت وإﻋﺎدﺗﻬﺎ‬ ‫ﺑﻄﺎﻗـــﺎت إﺿﺎﻓﻴـــﺔ اﻟﺘﻮﻗﻒ‬
cease the use of such Card(s) and return it or them to the ‫ﻟﻠﺒﻨﻚ وﻋﻠﻰ ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ ﺳـــﺪاد أي ﻣﺒﺎﻟﻎ ﻗﺪ ﺗﻜﻮن ﻣﺴـــﺘﺤﻘﺔ ﺑﻤﻮﺟﺐ‬
Bank and pay any amount that may be outstanding under .‫ﻫﺬه اﻟﺸﺮوط واﻷﺣﻜﺎم‬
these Terms and Conditions.
7.6 The Card remains the property of the Bank at all times and ‫ﻣﻠﻜﺎ ﻟﻠﺒﻨﻚ ﻓــــﻲ ﺟﻤﻴﻊ اﻷوﻗـــﺎت وﻳﺠﺐ إﻋﺎدﺗﻬـــﺎ ﻟﻠﺒﻨﻚ‬ ً ‫ﺗﻈـــﻞ اﻟﺒﻄﺎﻗـــﺔ‬ 7.6
shall be returned to the Bank upon request, together with any ‫ﻋﻨـــﺪ اﻟﻄﻠﺐ ﻣـــﻊ أي ﺑﻄﺎﻗﺔ أو ﺑﻄﺎﻗـــﺎت إﺿﺎﻓﻴﺔ ﻳﻜﻮن ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗﺔ‬
Supplementary Card(s) for which the Cardholder is liable. .‫ﻣﺴﺆوﻻ ﻋﻨﻬﺎ‬
ً
7.7 Where this Agreement relates to the use of a Supplementary ‫ﺣﻴﺜﻤـــﺎ ﺗﻌﻠﻘﺖ ﻫﺬه اﻻﺗﻔﺎﻗﻴﺔ ﺑﺎﺳـــﺘﺨﺪام ﺑﻄﺎﻗﺔ إﺿﺎﻓﻴﺔ ﻓﺈﻧﻪ ﻳﺠﻮز ﻟﺤﺎﻣﻞ‬ 7.7
Card, the Cardholder may terminate this Agreement (in so far ‫اﻟﺒﻄﺎﻗـــﺔ اﻟﺮﺋﻴﺴـــﻴﺔ إﻧﻬـــﺎء ﻣـــﺎ ﻳﺘﺼـــﻞ ﺑﺎﻟﺒﻄﺎﻗـــﺔ اﻹﺿﺎﻓﻴـــﺔ ﻣـــﻦ ﻫـــﺬه‬
as it relates to the use of the Supplementary Card) by a notice ‫أﻳﺎ ﻣـــﻦ اﻟﻘﻨﻮات‬ً ‫اﻻﺗﻔﺎﻗﻴــــــﺔ وذﻟـــﻚ ﺑﺘﻮﺟﻴـــﻪ إﺷـــﻌﺎر ﻟﻠﺒﻨـــﻚ ﻋﻦ ﻃﺮﻳـــﻖ‬
to the Bank through the available channels accompanied by ‫ﻣﺼﺤﻮﺑﺎ ﺑﺈﻋﺎدة اﻟﺒﻄﺎﻗﺔ اﻹﺿﺎﻓﻴﺔ وﺗﻈـــﻞ اﻻﺗﻔﺎﻗﻴﺔ ﻧﺎﻓﺬة ﻟﺤﻴﻦ‬ ً ‫اﻟﻤﺘﺎﺣـــﺔ‬
the return of the Supplementary Card. In both circumstances, ‫ﺳـــﺪاد ﻋﻤﻠﻴﺎت اﻟﺒﻄﺎﻗﺔ وﻛﺎﻓﺔ اﻟﻤﺒﺎﻟﻎ اﻟﻤﺴﺘﺤﻘﺔ ﺑﻤﻮﺟﺐ ﻫﺬه اﻟﺸﺮوط‬
the Agreement will remain in force until full payment of Card ‫واﻷﺣـــﻜﺎم واﻟﺘﻲ ﺗﻤﺖ ﺑﺎﺳـــﺘﺨﺪام اﻟﺒﻄﺎﻗﺔ اﻹﺿﺎﻓﻴﺔ وﺗﺴـــﻠﻢ اﻟﺒﻨﻚ ﻟﺘﻠﻚ‬
transactions and all amounts due under these Terms and ‫ وإذا ﻟﻢ ﻳﺘـــﻢ إﻧﻬﺎء ﻫﺬه اﻻﺗﻔﺎﻗﻴﺔ ﻓﺈن اﻟﺒﻨﻚ ﺳـــﻴﻘﻮم‬.‫اﻟﻤﺒﺎﻟـــﻎ ﺑﺎﻟﻜﺎﻣـــﻞ‬
Conditions effected by the use of the Supplementary Card .‫ﺑﺘﺠﺪﻳـــﺪ اﻟﺒﻄﺎﻗﺔ اﻹﺿﺎﻓﻴـــﺔ ﻟﺤﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ ﻣﻦ وﻗﺖ ﻵﺧﺮ‬
has been received by the Bank. Unless and until such
termination takes place the Bank shall provide a renewal
Supplementary Card to the Cardholder from time to time.

Page 08 - 16
7.8 If, for any reason, the Cardholder fails to comply with the ‫إذا أﺧﻔﻖ ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ ﻷي ﺳـــﺒﺐ ﻛﺎن ﻓــــﻲ اﻻﻟﺘﺰام ﺑﺸﺮوط وأﺣﻜﺎم‬ 7.8
Terms and Conditions of this Agreement or refuses to accept ‫ﻫـــﺬه اﻻﺗﻔﺎﻗﻴﺔ أو رﻓـــﺾ ﻗﺒﻮل أي ﻣﻦ اﻟﺘﻌﺪﻳﻼت ﺣﺴـــﺐ ﻣﺎ ﻫﻮ وارد‬
any amendments - as described in 9.9 below, the Bank may ‫ ﻓﺈﻧـــﻪ ﻳﺠـــﻮز ﻟﻠﺒﻨﻚ إﻧﻬﺎء ﻫـــﺬه اﻻﺗﻔﺎﻗﻴﺔ واﻟﺸـــﺮوع‬،9.9 ‫ﻓــــﻲ اﻟﻤـــﺎدة‬
terminate this Cardholder Agreement and proceed to recover ‫ وﻳﻜـــﻮن ﺣﺎﻣـــﻞ‬.‫ﻓــــﻲ اﺳـــﺘﺮداد ﻛﺎﻓـــﺔ اﻟﻤﺒﺎﻟـــﻎ اﻟﻤﺴـــﺘﺤﻘﺔ ﺑﻤﻮﺟﺒﻬـــﺎ‬
all Amounts Outstanding thereunder. The Cardholder shall be ‫ﻣﺴـــﺆوﻻ ﻋـــﻦ ﺟﻤﻴـــﻊ اﻟﻨﻔﻘـــﺎت واﻟﺮﺳـــﻮم واﻟﻤﺼﺎرﻳـــﻒ اﻟﺘﻲ‬
ً ‫اﻟﺒﻄﺎﻗـــﺔ‬
responsible for all costs, charges and expenses incurred by ‫ﻳﺘﻜﺒﺪﻫـــﺎ اﻟﺒﻨـــﻚ ﺑﻤـــﺎ ﻓــــﻲ ذﻟـــﻚ اﻷﺗﻌـــﺎب اﻟﻘﺎﻧﻮﻧﻴـــﺔ ﻋﻠـــﻰ أﺳـــﺎس‬
the Bank including legal fees on a full indemnity basis. .‫اﻟﺘﻌﻮﻳﺾ اﻟﻜﺎﻣﻞ‬
7.9 The Bank reserves the right to close the Card account without ‫ﻳﺤﺘﻔـــﻆ اﻟﺒﻨـــﻚ ﺑﺎﻟﺤـــﻖ ﻓـــﻲ إﻏﻼق ﺣﺴـــﺎب اﻟﺒﻄﺎﻗـــﺔ ﺑﺪون إﺧﻄـــﺎر ﺣﺎﻣﻞ‬ 7.9
notifying the customer if the card is used for any purposes ،‫اﻟﺒﻄﺎﻗـــﺔ إذا ﺗﻢ إﺳـــﺘﺨﺪام اﻟﺒﻄﺎﻗﺔ ﻷﻏﺮاض ﺧﻼف اﻟﺘـــﻲ ﻓﺘﺤﺖ ﻣﻦ أﺟﻠﻪ‬
other than what it was opened, or the Bank suspects any ‫أو إذا ﻣـــﺎ ﺗﻜﻮﻧـــﺖ ﻟﺪى اﻟﺒﻨﻚ ﺷـــﻜﻮك ﺑﺄن أي ﻋﻤﻠﻴﺔ ﻗﺪ ﻧﻔﺬت ﺑﺸـــﻜﻞ‬
transaction founded against the rules governing Anti Money ‫ﻳﺘﻌـــﺎرض ﻣـــﻊ اﻟﻘﻮاﻋـــﺪ اﻟﺘـــﻲ ﺗﺤﻜـــﻢ ﻣﻜﺎﻓﺤﺔ ﻏﺴـــﻴﻞ اﻷﻣـــﻮال و ﺗﻤﻮﻳﻞ‬
Laundering and Combating Terrorist Financing. .‫اﻹرﻫﺎب‬

8. Authorization and indemnity for telephone and facsimile ‫اﻟﺘﻔﻮﻳـــﺾ واﻟﺘﻌﻮﻳﺾ ﻣﻘﺎﺑﻞ اﻟﺘﻌﻠﻴﻤـــﺎت اﻟﺼﺎدرة ﻋﻦ ﻃﺮﻳﻖ اﻟﻬﺎﺗﻒ‬ .8
instructions ‫واﻟﻔﺎﻛﺲ‬
8.1 The Cardholder authorizes the Bank to rely upon and act in ‫ﻳﻔـــﻮض ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗﺔ اﻟﺒﻨـــﻚ ﺑﺎﻟﺘﺼﺮف وﻓﻖ أي إﺷـــﻌﺎر أو ﺗﻌﻠﻴﻤﺎت أو‬ 8.1
accordance with any notice, instruction demand or other ‫ﻃﻠﺐ أو أي رﺳـــﺎﻟﺔ أﺧـــﺮى ﻗﺪ ﻳﺼﺪرﻫﺎ ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗﺔ ﻣﻦ وﻗﺖ ﻵﺧﺮ ﻋﻦ‬
communication which may from time to time be, or purport to be ‫ﻃﺮﻳـــﻖ اﻟﻬﺎﺗـــﻒ أو اﻟﻔﺎﻛﺲ أو ﻳﻌﺘﻘﺪ ﺑﺄﻧﻬﺎ ﺻﺎدرة ﻣﻨـــﻪ أو ﺻﺎدرة ﺑﺎﻟﻨﻴﺎﺑﺔ‬
given by telephone or facsimile by the Cardholder or on his/her ‫ﻋﻨـــﻪ )"اﻟﺘﻌﻠﻴﻤـــﺎت"( دون أي اﺳﺘﻔﺴـــﺎر ﻣـــﻦ ﺟﺎﻧﺐ اﻟﺒﻨﻚ ﺑﻤﺎ ﻓــــﻲ ذﻟﻚ‬
behalf (the “Instructions”) without any enquiry on the Bank’s part ‫ودون إﺧﻼل ﺑﻌﻤﻮﻣﻴـــﺔ ﻣـــﺎ ﺗﻘـــﺪم ﻣﺎ ﻳﺘﻌﻠـــﻖ ﺑﺘﻔﻮﻳﺾ أو ﻫﻮﻳﺔ اﻟﺸـــﺨﺺ‬
including, without prejudice to the generality of the foregoing, as ‫اﻟـــﺬي ﻳﺼـــﺪر اﻟﺘﻌﻠﻴﻤﺎت أو اﻟﺬي ﻳﻌﺘﻘﺪ ﺑﺄﻧﻬﺎ ﺻـــﺎدرة ﻣﻨﻪ ﺑﻐﺾ اﻟﻨﻈﺮ ﻋﻦ‬
to the authority or identity of the person giving or purporting to .‫اﻟﻈﺮوف اﻟﺴـــﺎﺋﺪة وﻗﺖ ﺗﺴﻠﻢ اﻟﺘﻌﻠﻴﻤﺎت‬
give the Instructions and regardless of the circumstances
prevailing at the time of receipt of the Instructions.
8.2 The Bank shall be entitled to treat the Instructions as fully ‫ﻳﺤـــﻖ ﻟﻠﺒﻨـــﻚ اﻋﺘﺒﺎر اﻟﺘﻌﻠﻴﻤـــﺎت ﺻﺎدرة ﺑﺘﻔﻮﻳﺾ ﻛﺎﻣﻞ ﻣـــﻦ ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ‬ 8.2
authorized by and binding upon the Cardholder and the Bank ‫وﻣﻠﺰﻣـــﺔ ﻟﻪ وﻳﺤﻖ ﻟﻠﺒﻨﻚ اﺗﺨﺎذ اﻟﺨﻄﻮات اﻟﻼزﻣﺔ ﻓﻴﻤـــﺎ ﻳﺘﻌﻠﻖ ﺑﺎﻟﺘﻌﻠﻴﻤﺎت‬
shall be entitled to take such steps in connection with or in ً
‫ﻣﻨﺎﺳـــﺒﺎ ﺳـــﻮاء ﻛﺎﻧـــﺖ اﻟﺘﻌﻠﻴﻤﺎت‬ ً
‫اﺳـــﺘﻨﺎدا ﻋﻠﻴﻬـــﺎ ﺣﺴـــﺒﻤﺎ ﻳـــﺮاه اﻟﺒﻨﻚ‬ ‫أو‬
reliance upon the Instructions as the Bank may consider ‫ﺗﺘﻀﻤﻦ ﺗﻮﺟﻴﻬﺎت ﺑﺪﻓﻊ أﻣﻮال أو ﺑﻄﺮﻳﻘﺔ أﺧﺮى اﻟﺨﺼﻢ ﻣﻦ أي ﺣﺴـــﺎب أو‬
appropriate, whether the Instructions include Instructions to ‫اﻹﺿﺎﻓﺔ إﻟﻴﻪ أو ﻛﺎﻧﺖ ﺗﺘﻌﻠﻖ ﺑﺎﻟﺘﺼﺮف ﻓــــﻲ أﻳﺔ أﻣﻮال أو أوراق ﻣﺎﻟﻴﺔ أو‬
pay money or otherwise to debit or credit any account, or relate ‫ﻣﺴـــﺘﻨﺪات أو ﻳﻔﻬـــﻢ ﻣﻨﻬـــﺎ أﻧﻬـــﺎ ﺗﻠﺰم ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗـــﺔ ﺑﺄي ﻧـــﻮع آﺧﺮ ﻣﻦ‬
to the disposition of any money, securities or documents, or ً ‫اﻟﻌﻤﻠﻴـــﺎت أو اﻟﺘﺮﺗﻴﺒـــﺎت‬
‫أﻳـــﺎ ﻛﺎﻧـــﺖ ﺑﻐـــﺾ اﻟﻨﻈﺮ ﻋـــﻦ ﻃﺒﻴﻌـــﺔ اﻟﻌﻤﻠﻴﺔ أو‬
purports to bind the Cardholder type of transaction or .‫اﻟﺘﺮﺗﻴﺒـــﺎت أو اﻟﻤﺒﻠﻎ اﻟﻤﺮﺗﺒﻂ ﺑﺬﻟﻚ‬
arrangement whatsoever, regardless of the nature of the
transaction or arrangement or the amount of money involved.
8.3 The Bank under terms of this authorization and indemnity is ‫ﻣﻠﺰﻣﺎ ﺑﻤﻮﺟﺐ ﺷـــﺮوط ﻫﺬا اﻟﺘﻔﻮﻳﺾ ﺑﻘﺒـــﻮل اﻟﺘﻌﻠﻴﻤﺎت‬ ً ‫ﻟـــﻦ ﻳﻜﻮن اﻟﺒﻨﻚ‬ 8.3
not obliged to accept and act upon telephone and facsimile ‫اﻟﺼـــﺎدرة ﺑﺎﻟﻬﺎﺗـــﻒ واﻟﺘﻠﻜـــﺲ واﻟﺘﺼـــﺮف ﺑﻤﻘﺘﻀﺎﻫـــﺎ إذا ﻛﺎﻧـــﺖ ﺗﺘﻀﻤـــﻦ‬
Instructions which include the following: :‫ﻣﺎﻳﻠﻲ‬
• Change in Mandate ‫ﺗﻐﻴﻴﺮ ﻓـﻲ اﻟﺘﻔﻮﻳﺾ‬ •
• Change to authorized signatories ‫ﺗﻐﻴﻴﺮ اﻷﺷـــﺨﺎص اﻟﻤﻔﻮﺿﻴﻦ ﺑﺎﻟﺘﻮﻗﻴﻊ‬ •
• Power of Attorney to another person/entity ‫ﻣﻨﺢ ﺗﻮﻛﻴﻞ ﻟﺸـــﺨﺺ آﺧﺮ أو ﻫﻴﺌﺔ أﺧﺮى‬ •
• Closure of the account(s) and transfer of the remaining ‫ اﻟﺤﺴـــﺎﺑﺎت وﺗﺤﻮﻳﻞ اﻷرﺻﺪة اﻟﻤﺘﺒﻘﻴﺔ ﺑﺄي وﺳﻴﻠﺔ‬/ ‫إﻗﻔﺎل اﻟﺤﺴـــﺎب‬ •
balance by any means
8.4 In consideration of the Bank acting in accordance with the ‫وﻓﻘﺎ ﻟﺸـــﺮوط ﻫﺬا اﻟﺘﻔﻮﻳﺾ واﻟﺘﻌﻮﻳﺾ ﻓﺈن ﺣﺎﻣﻞ‬ ً ‫ﺑﻤﻮﺟﺐ ﺗﺼﺮف اﻟﺒﻨﻚ‬ 8.4
terms of this authorization and indemnity, the Cardholder ً
‫ﺗﻌﻬـــﺪا ﻏﻴﺮ ﻗﺎﺑـــﻞ ﻟﻠﻨﻘﺾ ﺑﺘﻌﻮﻳﺾ اﻟﺒﻨـــﻚ وﺣﻤﺎﻳﺘﻪ‬ ‫اﻟﺒﻄﺎﻗـــﺔ ﺑﻬـــﺬا ﻳﺘﻌﻬﺪ‬
hereby irrevocably undertakes to indemnify the Bank and to ‫ﻓــــﻲ ﻛﻞ اﻷوﻗـــﺎت ﻣﻘﺎﺑـــﻞ ﻛﺎﻓـــﺔ اﻟﺨﺴـــﺎﺋﺮ واﻟﻤﻄﺎﻟﺒـــﺎت واﻟﺪﻋـــﺎوي‬
keep the Bank indemnified against all losses, claims, actions, ‫واﻹﺟـــﺮاءات اﻟﻘﺎﻧﻮﻧﻴـــﺔ واﻟﻄﻠﺒـــﺎت واﻷﺿـــﺮار واﻟﺘﻜﺎﻟﻴـــﻒ واﻟﻨﻔﻘﺎت اﻟﺘﻲ‬
proceedings, demands, damages, costs and expenses incurred ‫ﻳﺘﻜﺒﺪﻫﺎ اﻟﺒﻨﻚ أو ﻳﺘﺤﻤﻠﻬﺎ ﻣﻬﻤﺎ ﻛﺎﻧﺖ ﻃﺒﻴﻌﺘﻬﺎ أو ﺳـــﺒﺒﻬﺎ اﻟﻨﺎﺷـــﺌﺔ ﻣﻦ أو‬
or sustained by the Bank of whatever nature and howsoever .‫ﻓــــﻴﻤﺎ ﻳﺘﻌﻠﻖ ﺑﺎﻟﺘﻌﻠﻴﻤﺎت‬
arising out of or in connection with the Instructions.
8.5 The terms of this authorization and indemnity shall remain in ‫ﺗﻈـــﻞ ﺷـــﺮوط ﻫـــﺬا اﻟﺘﻔﻮﻳـــﺾ واﻟﺘﻌﻮﻳـــﺾ ﺳـــﺎرﻳﺔ وﻧﺎﻓـــﺬة اﻟﻤﻔﻌـــﻮل‬ 8.5
full force and effect unless and until the Bank receives, and has ً
‫إﺷـــﻌﺎرا ﺑﺈﻧﻬﺎﺋﻬﺎ ﻣـــﻦ ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ‬ ‫ﺑﺎﻟﻜﺎﻣـــﻞ ﻣﺎ ﻟﻢ وﺣﺘﻰ ﻳﺘﺴـــﻠﻢ اﻟﺒﻨﻚ‬
a reasonable time to act upon, notice of termination from the ‫وﻓﻘـــﺎ ﻟﺸـــﺮوط اﻟﺘﻔﻮﻳـــﺾ وﻳﺘﻮﻓـــﺮ ﻟﻠﺒﻨـــﻚ اﻟﻮﻗـــﺖ اﻟﻤﻨﺎﺳـــﺐ ﻟﻠﺘﺼﺮف‬ ً
Cardholder in accordance with the terms of the Mandate, save ‫ وﺑﺎﺳـــﺘﺜﻨﺎء ذﻟـــﻚ ﻓـــﺈن ﻫـــﺬا اﻹﻧﻬـــﺎء ﻟـــﻦ ﻳﻌﻔـــﻲ ﺣﺎﻣﻞ‬.‫ﺑﻤﻮﺟـــﺐ ذﻟـــﻚ‬
that such termination will not release the Cardholder from any ‫اﻟﺒﻄﺎﻗـــﺔ ﻣـــﻦ أﻳﺔ ﻣﺴـــﺆوﻟﻴﺔ ﺑﻤﻮﺟـــﺐ ﻫـــﺬا اﻟﺘﻔﻮﻳﺾ واﻟﺘﻌﻮﻳـــﺾ ﻓﻴﻤﺎ‬
liability under this authorization and indemnity in respect of ‫وﻓﻘﺎ ﻟﺸـــﺮوط ﻫﺬا اﻟﺘﻔﻮﻳـــﺾ واﻟﺘﻌﻮﻳﺾ‬ ً ‫ﻳﺘﻌﻠـــﻖ ﺑـــﺄي إﺟﺮاء ﺗـــﻢ ﺗﻨﻔﻴﺬه‬
any act performed in accordance with the terms of this .‫ﻗﺒـــﻞ اﻧﺘﻬﺎء ذﻟﻚ اﻟﻮﻗﺖ‬
authorization and indemnity prior to the expiry of such time.

9. General ‫أﺣﻜﺎم ﻋﺎﻣﺔ‬ .9

9.1 Without prejudice to the provisions of the Saudi Value Added ‫ﺗﻤﺎﺷـــﻴﺎ ﻣﻊ أﻧﻈﻤﺔ اﻟﻤﻤﻠﻜﺔ اﻟﻌﺮﺑﻴﺔ اﻟﺴـــﻌﻮدﻳﺔ ﻓﻴﻤﺎ ﻳﺨﺺ ﺿﺮﻳﺒﺔ اﻟﻘﻴﻤﺔ‬ ً 9.1
Tax Law and its Implementing Regulations, the Bank will ‫ ﺳـــﻮف ﻳﻘﻮم اﻟﺒﻨـــﻚ ﺑﺘﺤﺼﻴﻞ ﺿﺮﻳﺒﺔ اﻟﻘﻴﻤﺔ‬،‫اﻟﻤﻀﺎﻓـــﺔ وﻟﻮاﺋﺤﻪ اﻟﺘﻨﻔﻴﺬﻳﺔ‬
charge a Value Added Tax at the rates prevailing by the Saudi ‫اﻟﻤﻀﺎﻓﺔ ﺑﺎﻟﺴـــﻌﺮ اﻟﻤﺤﺪد ﻣﻦ ﻗﺒـــﻞ ﻫﻴﺌﺔ اﻟﺰﻛﺎة واﻟﺪﺧﻞ اﻟﻌﺎﻣﺔ ﻣﻦ وﻗﺖ‬
Government from time to time without the need to obtaining ‫ و‬،‫ﻵﺧـــﺮ دون اﻟﺤﺎﺟـــﺔ ﻟﻠﺤﺼﻮل ﻋﻠﻰ ﻣﻮاﻓﻘﺔ ﻣﺴـــﺒﻘﺔ ﻣﻦ ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗﺔ‬
the prior approval of the Cardholder VAT amount - if applied - ‫ﺳـــﻮف ﻳﺘﻢ ﺗﻮﺿﻴـــﺢ ﻣﺒﻠﻎ ﺿﺮﻳﺒﺔ اﻟﻘﻴﻤﺔ اﻟﻤﻀﺎﻓﺔ ﻋﻨـــﺪ ﺗﻄﺒﻴﻘﻬﺎ ﻣﻊ ﺗﻨﻔﻴﺬ‬
will be disclosed with every transaction. .‫ﻛﻞ ﻋﻤﻠﻴﺔ‬
9.2 The Card establishes a surety relationship between the Bank, ‫ ﻳﻜﻔﻞ‬،‫ﺗﻨﺸـــﺊ ﻫﺬه اﻟﺒﻄﺎﻗﺔ ﻋﻼﻗـــﺔ ﻛﻔﺎﻟﺔ ﺑﻴـــﻦ اﻟﺒﻨﻚ وﺣﺎﻣﻠﻬـــﺎ وﻗﺎﺑﻠﻬﺎ‬ 9.2
the holder and acceptor of the Card under which the Bank ‫اﻟﺒﻨـــﻚ ﻟﻘﺎﺑﻠﻬـــﺎ ﻣـــﺎ ﻳﺘﺮﺗـــﺐ ﻣﻦ دﻳﻦ ﻓــــﻲ ذﻣﺔ ﺣﺎﻣﻠﻬـــﺎ ﻧﺘﻴﺠﺔ اﺳـــﺘﺨﺪاﻣﻬﺎ‬
guarantees to the acceptor, the debt incurred by the holder as .‫ﺑﻤﻮﺟﺐ أﺣﻜﺎم ﻫﺬه اﻻﺗﻔﺎﻗﻴﺔ‬
a result of using the Card according to the Terms and
Conditions of this Agreement.

Page 09 - 16
‫‪9.3‬‬ ‫‪The Bank shall have the right at its absolute discretion to‬‬ ‫ً‬
‫وﻓﻘـــﺎ ﻟﺘﻘﺪﻳـــﺮه اﻟﻤﻄﻠـــﻖ أن ﻳﺤـــﻮل وﻳﺘﻨﺎزل وﺑـــﺄي ﻃﺮﻳﻘﺔ‬ ‫ﻳﺤـــﻖ ﻟﻠﺒﻨـــﻚ‬ ‫‪9.3‬‬
‫‪transfer and assign in any manner in whole or in part any‬‬ ‫ﺟﺰﺋﻴﺎ ﻋﻦ أي ﻣﺒﺎﻟﻎ ﻣﺴـــﺘﺤﻘﺔ ﻋﻠﻰ ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗﺔ‪ .‬وﻋﻠﻰ‬ ‫ً‬ ‫ً‬
‫ﻛﻠﻴﺎ أو‬ ‫ﻛﺎﻧـــﺖ‬
‫‪Cardholder’s Amounts Outstanding. The Cardholder shall pay‬‬ ‫ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗـــﺔ دﻓـــﻊ ﺟﻤﻴـــﻊ ﺗﻜﺎﻟﻴـــﻒ ﺗﺤﺼﻴـــﻞ اﻟﻤﺴـــﺘﺤﻘﺎت واﻟﻨﻔﻘﺎت‬
‫‪all the costs of collection of dues, legal expenses and‬‬ ‫اﻟﻘﺎﻧﻮﻧﻴـــﺔ واﻟﻤﺒﺎﻟـــﻎ ﻏﻴـــﺮ اﻟﻤﺴـــﺪدة وذﻟـــﻚ إذا اﺳـــﺘﺪﻋﺖ اﻟﻀـــﺮورة‬
‫‪Amounts Outstanding should it become necessary to refer‬‬ ‫اﻟﻤﻄﺎﻟﺒـــﺔ ﺑﺎﻟﺴـــﺪاد ﻋـــﻦ ﻃﺮﻳـــﻖ وﻛﻼء ﺗﺤﺼﻴـــﻞ أو اﻟﻠﺠﻮء إﻟـــﻰ اﻟﻘﺎﻧﻮن‬
‫‪the matter to a collection agency or to a legal recourse to‬‬ ‫ﻟﺘﻨﻔﻴﺬ اﻟﺪﻓﻊ‪.‬‬
‫‪enforce payment.‬‬
‫‪9.4‬‬ ‫‪Whenever required by the Bank, the Cardholder shall furnish‬‬ ‫ﻋﻠـــﻰ ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗـــﺔ ﻣﺘﻰ ﻣﺎ ﻃﻠﺐ ﻣﻨﻪ اﻟﺒﻨﻚ ذﻟﻚ ﺗﺰوﻳﺪ اﻟﺒﻨﻚ ﺑﺎﻟﺒﻴﺎﻧﺎت‬ ‫‪9.4‬‬
‫‪data concerning his/her financial position to the Bank. The‬‬ ‫اﻟﻤﺘﻌﻠﻘـــﺔ ﺑﻮﺿﻌـــﻪ اﻟﻤﺎﻟﻲ ﻛﻤﺎ ﻳﻔﻮض ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗـــﺔ اﻟﺒﻨﻚ ﺑﺎﻟﺘﺤﻘﻖ ﻣﻦ‬
‫‪Cardholder further authorizes the Bank to verify the‬‬ ‫ﺻﺤـــﺔ ﺗﻠـــﻚ اﻟﺒﻴﺎﻧـــﺎت‪ .‬وﻓــــﻲ ﺣﺎل ﻋـــﺪم ﺗﺰوﻳﺪ اﻟﺒﻨـــﻚ ﺑﺘﻠـــﻚ اﻟﺒﻴﺎﻧﺎت ﻋﻨﺪ‬
‫‪information furnished. If the data is not furnished when called‬‬ ‫وﻓﻘﺎ ﻟﺘﻘﺪﻳﺮه اﻟﻤﻄﻠـــﻖ رﻓﺾ ﺗﺠﺪﻳﺪ اﻟﺒﻄﺎﻗﺔ أو‬ ‫ً‬ ‫ﻃﻠﺒﻬـــﺎ ﻓﺈﻧـــﻪ ﻳﺠﻮز ﻟﻠﺒﻨﻚ‬
‫‪for, the Bank at its discretion may refuse renewal of the Card‬‬ ‫ً‬
‫ﻓﻮرا‪.‬‬ ‫إﻟﻐﺎﺋﻬﺎ‬
‫‪or cancel the Card forthwith.‬‬
‫‪9.5‬‬ ‫‪The Cardholder authorizes the Bank to disclose information‬‬ ‫ﻳﻔـــﻮض ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗـــﺔ اﻟﺒﻨـــﻚ ﺑﻜﺸـــﻒ اﻟﺒﻴﺎﻧـــﺎت اﻟﻤﺘﻌﻠﻘـــﺔ ﺑﺤﺎﻣـــﻞ‬ ‫‪9.5‬‬
‫‪concerning the Cardholder and Supplementary Cardholder or‬‬ ‫اﻟﺒﻄﺎﻗـــﺔ وﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗﺔ اﻹﺿﺎﻓﻴﺔ أو ﺑﺤﺴـــﺎب اﻟﺒﻄﺎﻗﺔ اﻟﺨﺎص ﺑﺤﺎﻣﻞ‬
‫‪the Cardholder’s and Supplementary Cardholder’s Card‬‬ ‫اﻟﺒﻄﺎﻗـــﺔ وﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗـــﺔ اﻹﺿﺎﻓﻴﺔ إﻟـــﻰ اﻟﺒﻨﻚ اﻟﻤﺮﻛﺰي اﻟﺴـــﻌﻮدي‬
‫‪Account to the Saudi Central Bank, banks and competent‬‬ ‫ً‬
‫أﻳﻀﺎ‬ ‫وإﻟـــﻰ اﻟﺒﻨـــﻮك واﻟﺠﻬـــﺎت اﻟﻤﺨﺘﺼـــﺔ ﻛﻤـــﺎ ﻳﻔﻮض ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗـــﺔ‬
‫‪authorities. The Cardholder also authorizes the Bank to collect‬‬ ‫اﻟﺒﻨـــﻚ ﺑـــﺄن ﻳﺤﺼـــﻞ ﻣـــﻦ و‪ /‬أو ﻳﻜﺸـــﻒ إﻟـــﻰ اﻟﺸـــﺮﻛﺔ اﻟﺴـــﻌﻮدﻳﺔ‬
‫‪from and or disclose to the Saudi Credit Bureau (SIMAH) or any‬‬ ‫ﻟﻠﻤﻌﻠﻮﻣـــﺎت اﻻﺋﺘﻤﺎﻧﻴـــﺔ )ﺳـــﻤﺔ( أو أي أﻃﺮاف أﺧـــﺮى ﻣﻌﺘﻤﺪة ﻣﻦ ﻗﺒﻞ‬
‫‪appropriate third parties approved by SAMA such information‬‬ ‫اﻟﺒﻨـــﻚ اﻟﻤﺮﻛﺰي اﻟﺴـــﻌﻮدي ﺗﻠـــﻚ اﻟﻤﻌﻠﻮﻣﺎت اﻟﺘـــﻲ ﻗﺪ ﻳﻄﻠﺒﻬـــﺎ اﻟﺒﻨﻚ‬
‫‪as the Bank may require at its discretion, to establish, review‬‬ ‫وﻓﻘﺎ ﻟﺘﻘﺪﻳﺮه ﻹﺛﺒﺎت أو ﻣﺮاﺟﻌﺔ أو إدارة اﻟﺤﺴـــﺎب ‪ /‬اﻟﺘﺴـــﻬﻴﻼت ﻟﺪى‬ ‫ً‬
‫‪and or administer the account/facilities with the Bank.‬‬ ‫ا ﻟﺒﻨﻚ ‪.‬‬
‫‪9.6‬‬ ‫‪The Cardholder irrevocably agrees that the Bank may‬‬ ‫ﻳﻮاﻓـــﻖ ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗـــﺔ ﻣﻮاﻓﻘﺔ ﻏﻴﺮ ﻗﺎﺑﻠـــﺔ ﻟﻠﻨﻘﺾ ﻋﻠﻰ أﻧـــﻪ ﻳﺠﻮز ﻟﻠﺒﻨﻚ‬ ‫‪9.6‬‬
‫‪subcontract the provision of the services provided to the‬‬ ‫إﺳـــﻨﺎد ﻋﻤﻠﻴﺔ ﺗﻘﺪﻳﻢ اﻟﺨﺪﻣﺎت ﻟﺤﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ أو ﺟﺰء ﻣﻨﻬﺎ إﻟﻰ أي ﻃﺮف‬
‫‪Cardholder or any part thereof to any third party, whether or not‬‬ ‫ﺛﺎﻟﺚ ﺳـــﻮاء ﻛﺎن ﻳﻌﻤﻞ أو ﻻ ﻳﻌﻤﻞ ﺿﻤﻦ اﺧﺘﺼﺎص ﻗﻀﺎﺋﻲ آﺧﺮ أو ﻣﻨﻄﻘﺔ‬
‫‪that third party operates in another jurisdiction or territory. The‬‬ ‫ﻣﺴـــﺆوﻻ ﺗﺠﺎه ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗﺔ ﻋﻦ أﻳﺔ ﺧﺴـــﺎﺋﺮ أو‬
‫ً‬ ‫أﺧـــﺮى‪ .‬وﺳـــﻴﻈﻞ اﻟﺒﻨـــﻚ‬
‫‪Bank shall remain liable to the Cardholder for any recoverable‬‬ ‫أﺿﺮار ﻗﺎﺑﻠﺔ ﻟﻼﺳـــﺘﺮداد ﻳﺘﻜﺒﺪﻫﺎ واﻟﻤﺤﺎﻓﻈﺔ ﻋﻠﻰ ﺳﺮﻳﺔ ﻫﺬه اﻟﻤﻌﻠﻮﻣﺎت‬
‫‪loss or damage incurred and maintain the confidentiality of any‬‬ ‫ﺑﻨﻔـــﺲ اﻟﻘﺪر اﻟﺬي ﻳﻘﻮم ﺑﻪ اﻟﺒﻨﻚ‪.‬‬
‫‪such information to the same extent as the Bank.‬‬
‫‪9.7‬‬ ‫‪The Bank may assign the processing of information related to‬‬ ‫ً‬
‫ﺧﺎرﺟﻴﺎ‬ ‫ﻳﺠـــﻮز ﻟﻠﺒﻨﻚ إﺳـــﻨﺎد ﻣﻌﺎﻟﺠﺔ اﻟﻤﻌﻠﻮﻣﺎت اﻟﺨﺎﺻﺔ ﺑﺤﺎﻣﻠـــﻲ اﻟﺒﻄﺎﻗﺎت‬ ‫‪9.7‬‬
‫‪the Cardholders abroad within the HSBC Group or any other‬‬ ‫ﺿﻤـــﻦ ﻣﻮاﻗﻊ ﻣﺠﻤﻮﻋﺔ ‪ HSBC‬أو أي ﻣﻜﺎن آﺧﺮ‪.‬‬
‫‪place.‬‬
‫‪9.8‬‬ ‫‪Cardholder telephone calls may be recorded and retained by‬‬ ‫ﻳﺠـ ــﻮز ﻟﻠﺒﻨـ ــﻚ أن ﻳﻘـ ــﻮم ﺑﺘﺴـ ــﺠﻴﻞ اﻟﻤﻜﺎﻟﻤـ ــﺎت اﻟﻬﺎﺗﻔﻴـ ــﺔ ﻟﺤﺎﻣـ ــﻞ اﻟﺒﻄﺎﻗـ ــﺔ‬ ‫‪9.8‬‬
‫‪the Bank.‬‬ ‫واﻻﺣﺘﻔﺎظ ﺑﻬﺎ‪.‬‬
‫‪9.9‬‬ ‫‪The Cardholder hereby authorizes the Bank to, without‬‬ ‫ﻳﻔﻮض ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ اﻟﺒﻨﻚ ﺑﺄن ﻳﻘﻮم دون إﺷـــﻌﺎر ﺑﻀﻢ أو ﺗﻮﺣﻴﺪ اﻟﻤﺒﺎﻟﻎ‬ ‫‪9.9‬‬
‫‪notice, combine or consolidate the Amount Outstanding on‬‬ ‫اﻟﻤﺴـــﺘﺤﻘﺔ ﻋﻠـــﻰ ﺣﺴـــﺎب اﻟﺒﻄﺎﻗﺔ ﻣـــﻊ أي ﺣﺴـــﺎب آﺧﺮ ﻳﺤﺘﻔـــﻆ ﺑﻪ ﺣﺎﻣﻞ‬
‫‪the Cardholder’s Card Account with any other account which‬‬ ‫اﻟﺒﻄﺎﻗـــﺔ ﻟـــﺪى اﻟﺒﻨـــﻚ وإﺟـــﺮاء اﻟﻤﻘﺎﺻـــﺔ أو ﺗﺤﻮﻳـــﻞ أﻳـــﺔ أرﺻـــﺪة داﺋﻨـــﺔ‬
‫‪the Cardholder maintains with the Bank and offset or transfer‬‬ ‫ً‬
‫وﻓﻘﺎ‬ ‫ﺑﺎﻟﺤﺴـــﺎﺑﺎت اﻷﺧـــﺮى ﻟﺤﺎﻣـــﻞ اﻟﺒﻄﺎﻗﺔ ﻟﻠﻮﻓـــﺎء ﺑﺎﻟﺘﺰاﻣﺎﺗﻪ ﺗﺠـــﺎه اﻟﺒﻨﻚ‬
‫‪any monies standing to the credit of the Cardholder’s other‬‬ ‫ﻟﻬﺬه اﻟﺸﺮوط واﻷﺣﻜﺎم‪.‬‬
‫‪accounts in or towards satisfaction of the Cardholder’s‬‬
‫‪liability to the Bank under these Terms and Conditions.‬‬
‫‪9.10‬‬ ‫‪This Agreement supersedes any similar agreement with the‬‬ ‫ﺗﺤـــﻞ ﻫـــﺬه اﻻﺗﻔﺎﻗﻴﺔ ﻣﺤﻞ أي اﺗﻔﺎﻗﻴﺔ ﻣﻤﺎﺛﻠﺔ ﺳـــﺒﻖ ﻟﻠﻌﻤﻴـــﻞ إﺑﺮاﻣﻬﺎ ﻣﻊ‬ ‫‪9.10‬‬
‫‪Bank in connection with the issue or use of Card(s), such‬‬ ‫اﻟﺒﻨﻚ وذﻟﻚ ﻓﻴﻤﺎ ﻳﺘﻌﻠﻖ ﺑﺈﺻﺪار أو اﺳـــﺘﺨﺪام اﻟﺒﻄﺎﻗﺔ )اﻟﺒﻄﺎﻗﺎت( وﺑﻬﺬا‬
‫‪agreement being hereby cancelled.‬‬ ‫ﺗﻌﺘﺒﺮ اﻻﺗﻔﺎﻗﻴﺔ اﻟﺴـــﺎﺑﻘﺔ ﻻﻏﻴﺔ‪.‬‬
‫‪9.11‬‬ ‫‪The Bank reserves the right at all times to vary or amend the‬‬ ‫ﻳﺤﺘﻔﻆ اﻟﺒﻨﻚ ﻓــــﻲ ﻛﻞ اﻷوﻗﺎت ﺑﺤﻖ ﺗﻐﻴﻴﺮ أو ﺗﻌﺪﻳﻞ اﻟﺸـــﺮوط واﻷﺣﻜﺎم‬ ‫‪9.11‬‬
‫‪foregoing Terms and Conditions or to introduce new Terms‬‬ ‫اﻟﻮاردة أﻋﻼه أو إدﺧﺎل ﺷـــﺮوط وأﺣﻜﺎم ﺟﺪﻳﺪة وﻳﺼﺒﺢ أي ﺗﻐﻴﻴﺮ أو ﺗﻌﺪﻳﻞ‬
‫‪and Conditions. Any such variations or amendments will‬‬ ‫وﻣﻠﺰﻣﺎ ﻟﺤﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ ﺑﻌﺪ ﺗﺒﻠﻴﻐﻪ ﺑﻬﺎ ﺑﺄﻳﺔ وﺳـــﻴﻠﺔ ﻳﺮى اﻟﺒﻨﻚ أﻧﻬﺎ‬ ‫ً‬ ‫ً‬
‫ﻧﺎﻓـــﺬا‬
‫‪become effective and binding on the Cardholder upon‬‬ ‫ﻣﻨﺎﺳـــﺒﺔ وﻓــــﻲ ﺣـــﺎل ﻋـــﺪم رﻏﺒـــﺔ ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗـــﺔ ﻗﺒـــﻮل أي ﻣـــﻦ ﺗﻠـــﻚ‬
‫‪notification to the Cardholder by any means the Bank deems‬‬ ‫اﻟﺘﻐﻴﻴـــﺮات أو اﻟﺘﻌـــﺪﻳﻼت ﻓﻴﺠـــﺐ ﻋﻠﻴـــﻪ إﻋـــﺎدة اﻟﺒﻄﺎﻗـــﺔ ﻣـــﻊ‬
‫‪fit. If the Cardholder is unwilling to accept any such variations‬‬ ‫اﻟﺒﻄﺎﻗﺔ‪/‬اﻟﺒﻄﺎﻗـــﺎت اﻹﺿﺎﻓﻴﺔ ﻟﻠﺒﻨـــﻚ ﻹﻟﻐﺎﺋﻬﺎ‪ .‬وﻋﻠﻰ ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ دﻓﻊ‬
‫‪or amendment, the Cardholder must return the Card along‬‬ ‫اﻟﻤﺒﺎﻟﻎ اﻟﻤﺴـــﺘﺤﻘﺔ ﻋﻠﻴـــﻪ ﻟﻠﺒﻨﻚ ﻋﻦ اﻟﻌﻤﻠﻴﺎت اﻟﺘﻲ ﺗﻤﺖ ﺑﺎﺳـــﺘﺨﺪام ﺗﻠﻚ‬
‫‪with Supplementary Card(s) to the Bank for cancellation. The‬‬ ‫اﻟﺒﻄﺎﻗـــﺔ أو اﻟﺒﻄﺎﻗـــﺎت ﻗﺒـــﻞ إﻋـــﺎدة اﻟﺒﻄﺎﻗـــﺔ وأي ﺑﻄﺎﻗـــﺔ ‪ /‬ﺑﻄﺎﻗـــﺎت‬
‫‪Cardholder will indemnify the Bank against Card Transactions‬‬ ‫إﺿﺎﻓﻴﺔ ﻟﻠﺒﻨﻚ‪.‬‬
‫‪of these Card(s) prior to the return of the Card and any‬‬
‫‪Supplementary Card(s) to the Bank.‬‬
‫‪9.12‬‬ ‫‪The Bank shall not be liable for any loss suffered by the‬‬ ‫ﻣﺴﺆوﻻ ﻋﻦ أي ﺧﺴﺎرة ﻳﺘﻜﺒﺪﻫﺎ ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ ﻓــــﻲ ﺣﺎل‬ ‫ً‬ ‫ﻟﻦ ﻳﻜﻮن اﻟﺒﻨﻚ‬ ‫‪9.12‬‬
‫‪Cardholder if the Bank is prevented from or delayed in‬‬ ‫ﻣﻨـــﻊ اﻟﺒﻨﻚ أو ﺗﺄﺧﻴﺮه ﻓــــﻲ ﺗﺰوﻳﺪ ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ ﺑـــﺄي ﺧﺪﻣﺎت ﻣﺼﺮﻓﻴﺔ أو‬
‫‪providing the Cardholder with any banking or other service‬‬ ‫أي ﺧﺪﻣـــﺎت أﺧﺮى ﺑﺴـــﺒﺐ اﻹﺿﺮاﺑـــﺎت أو اﻟﻨﺰاﻋـــﺎت اﻟﺼﻨﺎﻋﻴـــﺔ أو اﻧﻘﻄﺎع‬
‫‪due to strikes, industrial action, failure of power, supplies or‬‬ ‫اﻟﺘﻴﺎر اﻟﻜﻬﺮﺑﺎﺋﻲ أو ﺣﺪوث ﻋﻄﻞ ﻓــــﻲ اﻷﺟﻬﺰة أو اﻟﻤﻌﺪات أو ﻷﻳﺔ أﺳﺒﺎب‬
‫‪equipment, or causes beyond or outside its control.‬‬ ‫ﺧﺎرﺟﺔ ﻋﻦ إرادﺗﻪ‪.‬‬
‫‪9.13‬‬ ‫‪The Cardholder will continue to be liable for the charges if for‬‬ ‫ﻣﺴـــﺆوﻻ ﻋﻦ اﻟﺮﺳﻮم إذا ﻟﻢ ﻳﺘﻤﻜﻦ اﻟﺒﻨﻚ ﻷي ﺳﺒﺐ‬ ‫ً‬ ‫ﻳﻈﻞ ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ‬ ‫‪9.13‬‬
‫‪any reasons set out in clause 9.11 the Bank is unable to‬‬ ‫ﻣﻦ اﻷﺳـــﺒﺎب اﻟﻮاردة ﺑﺎﻟﺒﻨﺪ ‪ 9.11‬ﻣﻦ ﺗﻘﺪﻳﻢ أو إرﺳـــﺎل ﻛﺸـــﻒ ﺣﺴـــﺎب‬
‫‪produce or send the Cardholder a statement of account.‬‬ ‫ﻟﺤﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ‪.‬‬
‫‪9.14‬‬ ‫‪This Agreement shall be construed and governed by the laws‬‬ ‫ﻃﺒﻘﺎ ﻟﻸﻧﻈﻤـــﺔ واﻟﻘﻮاﻋـــﺪ اﻟﻨﺎﻓﺬة‬ ‫ً‬ ‫ﺗﺨﻀـــﻊ ﻫـــﺬه اﻻﺗﻔﺎﻗﻴـــﺔ وﺗﻔﺴـــﺮ‬ ‫‪9.14‬‬
‫‪of the Kingdom of Saudi Arabia and any dispute shall be‬‬ ‫ﻓــــﻲ اﻟﻤﻤﻠﻜـــﺔ اﻟﻌﺮﺑﻴـــﺔ اﻟﺴـــﻌﻮدﻳﺔ وﺳـــﻴﺘﻢ ﺗﺤﻮﻳـــﻞ أي ﻧـــﺰاع إﻟـــﻰ‬
‫‪referred to the competent legal authority to decide on, that is‬‬ ‫اﻟﺠﻬـــﺔ اﻟﻘﻀﺎﺋﻴـــﺔ اﻟﻤﺨﺘﺼـــﺔ ﻟﻠﺤﻜـــﻢ ﻓﻴـــﻪ ﺑﻤـــﺎ ﻻ ﻳﺘﻌـــﺎرض ﻣـــﻊ أﺣﻜﺎم‬
‫‪consistent with Shariah principles.‬‬ ‫ا ﻟﺸﺮ ﻳﻌﺔ ‪.‬‬
‫‪9.15‬‬ ‫‪The Bank has the right to reject any Credit Card transaction‬‬ ‫ﻟﻠﺒﻨـــﻚ اﻟﺤﻖ ﻓــــﻲ رﻓﺾ أي ﻋﻤﻠﻴـــﺔ أﺟﺮﻳﺖ ﻋﻦ ﻃﺮﻳﻖ اﻟﺒﻄﺎﻗـــﺔ اﻻﺋﺘﻤﺎﻧﻴﺔ‬ ‫‪9.15‬‬
‫‪that contradicts with local regulations.‬‬ ‫اﻟﺘﻲ ﺗﺘﻌـــﺎرض ﻣﻊ اﻷﻧﻈﻤﺔ اﻟﻤﺤﻠﻴﺔ‪.‬‬

‫‪Page 10 - 16‬‬
‫‪9.16‬‬ ‫‪Fair Use Limit: means the limits set forth in the Fair Use‬‬ ‫ﺣـــﺪ اﻻﺳـــﺘﺨﺪام اﻟﻌـــﺎدل‪ :‬ﺗﻌﻨـــﻲ اﻟﺤـــﺪود اﻟﻤﻨﺼـــﻮص ﻋﻠﻴﻬـــﺎ ﻓـــﻲ ﺗﻌﺮﻓﺔ‬ ‫‪9.16‬‬
‫‪Schedule of these terms and conditions. Specifically, the‬‬ ‫ً‬
‫وﺗﺤﺪﻳﺪا اﻟﻌﻤﻮد اﻟﻤﻌﻨﻮن )ﺣﺪود‬ ‫اﻻﺳـــﺘﺨﺪام اﻟﻌﺎدل ﺑﺎﻟﺸـــﺮوط واﻷﺣﻜﺎم‪.‬‬
‫‪column entitled (Fair Use Limit).‬‬ ‫اﻹﺳﺘﺨﺪام اﻟﻌﺎدل(‪.‬‬
‫‪The customer agrees that SAB may impose the Fees for‬‬ ‫ﻳﻘﺮ اﻟﻌﻤﻴﻞ ﻋﻠﻰ أﻧﻪ ﻳﺤﻖ ﻟﺒﻨﻚ اﻷول ﻓﺮض رﺳـــﻮم ﺗﺠﺎوز ﺣﺪ اﻻﺳـــﺘﺨﺪام‬
‫‪Exceeding Fair Use Limit set forth in the Fair Use Schedule‬‬ ‫اﻟﻌﺎدل اﻟﻤﻮﺿﺢ ﻓﻲ اﻟﺠﺪول أدﻧﺎه ﻓﻲ ﻛﻞ ﻣﺮه ﻳﺘﺠﺎوز ﻓﻴﻬﺎ اﻟﻌﻤﻴﻞ ﺣﺪود‬
‫‪shown hereunder each time the customer breaches the Fair‬‬ ‫اﻻﺳﺘﺨﺪام اﻟﻌﺎدل‪.‬‬
‫‪Use Limit.‬‬
‫رﺳﻮم ﺗﺠﺎوز ﺣﺪ اﻻﺳﺘﺨﺪام اﻟﻌﺎدل‬
‫)ﻓﻲ ﻛﻞ ﻣﺮة(‬ ‫ﺣﺪ اﻻﺳﺘﺨﺪام اﻟﻌﺎدل )ﺳﻨﻮي(‬ ‫ﻧﻮع اﻟﺒﻄﺎﻗﺔ اﻻﺋﺘﻤﺎﻧﻴﺔ‬ ‫اﻟﺨﺪﻣﺎت‬
‫‪Fees for Exceeding Fair‬‬ ‫)‪Fair Use Limit (count per year‬‬ ‫‪Credit Card Type‬‬ ‫‪Services‬‬
‫)‪Use Limit (each time‬‬
‫اﻷول وورﻟﺪ إﻟﻴﺖ إﻛﺴﻜﻠﻮﺳﻴﻒ ﻣﺎﺳﺘﺮﻛﺎرد اﻻﺋﺘﻤﺎﻧﻴﺔ‬
‫‪SAR 937.5 + VAT‬‬ ‫‪50‬‬ ‫ﺧﺪﻣﺔ اﻹﺳﺘﻘﺒﺎل واﻟﺘﺮﺣﻴﺐ واﻟﺘﻮﺻﻴﻞ‬
‫‪SAB World Elite Exclusive Mastercard Credit Card‬‬
‫اﻷول اﻟﻔﺮﺳﺎن ﺑﻼك وورﻟﺪ إﻟﻴﺖ ﻣﺎﺳﺘﺮﻛﺎرد اﻻﺋﺘﻤﺎﻧﻴﺔ‬ ‫اﻟﻤﺠﺎﻧﻲ ﻣﻦ و إﻟﻰ اﻟﻤﻄﺎر‬
‫‪SAR 112.50 + VAT‬‬ ‫‪12‬‬ ‫‪Meet & Greet and‬‬
‫‪SAB ALFURSAN Black Card World Elite Mastercard Credit Card‬‬
‫اﻷول اﻹﻣﺎرات إﻧﻔﻨﻴﺖ ﻓﻴﺰا اﻻﺋﺘﻤﺎﻧﻴﺔ‬ ‫‪Complimentary‬‬
‫‪SAR 525 + VAT‬‬ ‫‪12‬‬ ‫‪Airport Transfer‬‬
‫‪SAB Emirates Infinite Visa Credit Card‬‬
‫اﻷول وورﻟﺪ إﻟﻴﺖ إﻛﺴﻜﻠﻮﺳﻴﻒ ﻣﺎﺳﺘﺮﻛﺎرد اﻻﺋﺘﻤﺎﻧﻴﺔ‬
‫‪SAR 120 + VAT‬‬ ‫‪50‬‬
‫‪SAB World Elite Exclusive Mastercard Credit Card‬‬ ‫دﺧﻮل ﺷﺨﺺ إﺿﺎﻓﻲ ‪1+‬‬
‫اﻷول اﻟﻔﺮﺳﺎن ﺑﻼك وورﻟﺪ إﻟﻴﺖ ﻣﺎﺳﺘﺮﻛﺎرد اﻻﺋﺘﻤﺎﻧﻴﺔ‬ ‫ﻟﺼﺎﻻت اﻟﻤﻄﺎر‬
‫‪SAR 97.50 + VAT‬‬ ‫‪12‬‬
‫‪SAB ALFURSAN Black Card World Elite Mastercard Credit Card‬‬ ‫‪+1 Lounge Access‬‬
‫اﻷول ﺑﺮﻳﻤﻴﻴﺮ ﻣﺎﺳﺘﺮﻛﺎرد اﻻﺋﺘﻤﺎﻧﻴﺔ‬
‫‪SAR 97.50 + VAT‬‬ ‫‪12‬‬
‫‪SAB Premier Mastercard Credit Card‬‬
‫اﻷول وورﻟﺪ إﻟﻴﺖ إﻛﺴﻜﻠﻮﺳﻴﻒ ﻣﺎﺳﺘﺮﻛﺎرد اﻻﺋﺘﻤﺎﻧﻴﺔ‬
‫‪50‬‬
‫‪SAR 200 + VAT for Fast‬‬ ‫‪SAB World Elite Exclusive Mastercard Credit Card‬‬
‫اﻷول ﻻوﻧﺞ ﺑﺮﻋﺎﻳﺔ )اﻟﺘﻨﻔﻴﺬي(‬
‫‪Track access‬‬ ‫اﻷول اﻟﻔﺮﺳﺎن ﺑﻼك وورﻟﺪ إﻟﻴﺖ ﻣﺎﺳﺘﺮﻛﺎرد اﻻﺋﺘﻤﺎﻧﻴﺔ‬
‫‪12‬‬ ‫‪Alawwal Lounge‬‬
‫‪SAR 250 + VAT for Lounge‬‬ ‫‪SAB ALFURSAN Black Card World Elite Mastercard Credit Card‬‬
‫)‪(Powered by Altanfeethi‬‬
‫‪access‬‬ ‫ﺑﻄﺎﻗﺔ اﻷول اﻹﻣﺎرات إﻧﻔﻨﻴﺖ ﻓﻴﺰا اﻻﺋﺘﻤﺎﻧﻴﺔ‬
‫‪12‬‬ ‫‪SAB Emirates Infinite Visa Credit Card‬‬

‫‪10.‬‬ ‫‪SAB EMIRATES, AlFursan and Cashback‬‬ ‫ﺑﻄﺎﻗـــﺔ اﻷول اﻻﻣﺎرات‪ ,‬اﻟﻔﺮﺳـــﺎن و ﺑﻄﺎﻗﺔ اﻷول ﻟﻼﺳـــﺘﺮداد اﻟﻨﻘﺪي‬ ‫‪.10‬‬
‫‪Credit Card.‬‬ ‫اﻻﺋﺘﻤﺎﻧﻴﺔ‪.‬‬
‫‪10.1‬‬ ‫‪When applying for any of the cards mentioned above, the‬‬ ‫ﻋﻨـــﺪ ﻃﻠـــﺐ أي اﻟﺒﻄﺎﻗـــﺎت اﻻﺋﺘﻤﺎﻧﻴـــﺔ اﻟﻤﺬﻛـــﻮرة أﻋﻼه ﻳﻔـــﻮض ﺣﺎﻣـــﻞ‬ ‫‪10.1‬‬
‫‪Cardholder authorizes the Bank to disclose to to the second‬‬ ‫اﻟﺒﻄﺎﻗـــﺔ اﻟﺒﻨـــﻚ ﺑﺎﻹﻓﺼﺎح ﻋـــﻦ اﻟﺒﻴﺎﻧﺎت اﻟﻤﺘﻌﻠﻘـــﺔ ﺑﺤﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ و أي‬
‫‪party ( Emirates and AlFursan ) information in connection‬‬ ‫‪ /‬أو ﺟﻤﻴـــﻊ ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗـــﺎت اﻹﺿﺎﻓﻴـــﺔ إﻟـــﻰ اﻟﻄـــﺮف اﻟﺜﺎﻧـــﻲ ) ﻃﻴـــﺮان‬
‫’‪with the Cardholder and any or all Supplementary-Cards‬‬ ‫اﻹﻣﺎرات أو اﻟﻔﺮﺳـــﺎن ( واﻟﺘﻲ ﺗﺸﻤﻞ ﻋﻠﻰ ﺳﺒﻴﻞ اﻟﻤﺜﺎل ﻻ اﻟﺤﺼﺮ اﻹﺳﻢ‬
‫‪holders including but not limited to my full name, title, date of‬‬ ‫اﻟﻜﺎﻣـــﻞ واﻟﻠﻘﺐ وﺗﺎرﻳﺦ اﻟﻤـــﻴﻼد واﻟﺠﻨﺲ واﻟﺠﻨﺴـــﻴﺔ واﻟﺒﺮﻳﺪ اﻹﻟﻜﺘﺮوﻧﻲ‬
‫‪birth, gender, nationality, email address, language, address‬‬ ‫واﻟﻠﻐـــﺔ واﻟﻌﻨـــﻮان اﻟﻜﺎﻣـــﻞ وﻣﻌﻠﻮﻣـــﺎت اﻹﺗﺼـــﺎل أرﻗـــﺎم اﻟﻌﻀﻮﻳـــﺔ‬
‫‪details, contact information, membership number, and any/all‬‬ ‫اﻟﻤﺸـــﺘﺮﻛﺔ و أي ‪ /‬ﺟﻤﻴـــﻊ اﻟﻤﻌﻠﻮﻣـــﺎت اﻟﻼزﻣﺔ ﻟﻐﺮض ﺗﻨﻔﻴﺬ اﻟﺸـــﺮوط و‬
‫‪information necessary for the purpose of effecting the terms,‬‬ ‫اﻷﺣـــﻜﺎم و ‪ /‬أو اﻟﻤﺰاﻳﺎ اﻟﻤﺬﻛﻮرة ﻓﻲ ﻫﺬه اﻻﺗﻔﺎﻗﻴﺔ وﻛﻲ ﻳﺘﻢ ﺗﺴـــﺠﻴﻠﻲ‬
‫‪conditions and/or the benefits contained in this agreement‬‬ ‫ﻓـــﻲ ﺑﺮاﻣﺞ اﻟﻤﻜﺎﻓﺂت وﺗﺴـــﻬﻴﻞ ﻋﻤﻠﻴـــﺔ ﺗﺤﻮﻳﻞ اﻷﻣﻴﺎل وﺣﻞ أي ﻣﻨﺎزﻋﺎت‬
‫‪and to enroll me in Miles or Loyalty Program and facilitate the‬‬ ‫ﻣﺘﻌﻠﻘـــﺔ ﺑﺎﻟﻔﻮاﺗﻴﺮ‪.‬‬
‫‪transfer of miles, and any billing disputes.‬‬
‫‪10.2‬‬ ‫‪When applying for any of the cards mentioned above, the‬‬ ‫ﻋﻨـــﺪ ﻃﻠﺐ ﺑﻄﺎﻗـــﺔ أي اﻟﺒﻄﺎﻗﺎت اﻻﺋﺘﻤﺎﻧﻴﺔ اﻟﻤﺬﻛﻮرة أﻋﻼه ﻳﻮاﻓﻖ ﺣﺎﻣﻞ‬ ‫‪10.2‬‬
‫‪Cardholder agrees and accepts that the terms of using any‬‬ ‫اﻟﺒﻄﺎﻗـــﺔ وﻳﻘﺒـــﻞ ﺑـــﺄن ﺷـــﺮوط اﺳـــﺘﺨﺪام اﻷﻣﻴﺎل اﻟﻤﻜﺘﺴـــﺒﺔ ﻋـــﻦ ﻃﺮﻳﻖ‬
‫‪earned miles pursuant to using the credit card applied for‬‬ ‫اﺳـــﺘﺨﺪام اﻟﺒﻄﺎﻗـــﺔ اﻻﺋﺘﻤﺎﻧﻴـــﺔ ﺧﺎﺿﻌﺔ ﻟﻠﺸـــﺮوط و اﻷﺣـــﻜﺎم اﻟﻮاردة ﻓﻲ‬
‫‪herein, will be subject to the terms and conditions contained‬‬ ‫ﻣﻮﻗﻊ اﻟﺨﻄﻮط اﻟﺴـــﻌﻮدﻳﺔ و ﻃﻴﺮان اﻹﻣﺎرات‬
‫‪in www.saudia.com and www.emirates.com‬‬ ‫‪ www.saudia.com‬و ‪www.emirates.com‬‬
‫‪and its subsequent amendments from time to time.‬‬ ‫واﻟﺘﻌﺪﻳﻼت اﻟﻼﺣﻘﺔ ﻣﻦ وﻗﺖ ﻵﺧﺮ‪.‬‬
‫‪10.3‬‬ ‫‪Miles earned during a calendar month from spending on‬‬ ‫ﺳـــﻴﺘﻢ إﺿﺎﻓﺔ اﻷﻣﻴﺎل اﻟﻤﻜﺘﺴﺒﺔ ﺧﻼل اﻟﺸﻬﺮ اﻟﺘﻘﻮﻳﻤﻲ ﻣﻦ اﻹﻧﻔﺎق ﻋﻠﻰ‬ ‫‪10.3‬‬
‫‪co-branded cards will be credited to the cardholder’s‬‬ ‫اﻟﺒﻄﺎﻗـــﺎت اﻻﺋﺘﻤﺎﻧﻴـــﺔ ذات اﻟﺸـــﺮاﻛﺎت اﻟﻤﺰدوﺟـــﺔ إﻟـــﻰ ﻋﻀﻮﻳـــﺔ ﺣﺎﻣـــﻞ‬
‫‪respective co-brand membership within 30 days.‬‬ ‫ﻳﻮﻣﺎ‪.‬‬
‫اﻟﺒﻄﺎﻗﺔ ﻟﺪى اﻟﺸـــﺮﻳﻚ ﻓﻲ ﻏﻀﻮن ‪ً 30‬‬
‫‪10.4‬‬ ‫‪The Bank is not liable for any missing miles in the event the‬‬ ‫ﻻ ﻳﺘﺤﻤـــﻞ اﻟﺒﻨﻚ ﻣﺴـــﺆوﻟﻴﺔ أي أﻣﻴـــﺎل ﻣﻔﻘﻮدة أو ﻏﻴـــﺮ ﻣﻀﺎﻓﺔ ﻓﻲ ﺣﺎل‬ ‫‪10.4‬‬
‫‪customer does not provide co-brand program partner‬‬ ‫ﻋـــﺪم ﻗﻴـــﺎم اﻟﻌﻤﻴﻞ ﺑﺘﺰوﻳﺪ اﻟﺒﻨﻚ ﺑﺮﻗﻢ ﻋﻀﻮﻳﺘﻪ ﻟﺪى اﻟﺸـــﺮﻳﻚ أو ﻓﻲ ﺣﺎل‬
‫‪membership or in the event the provided membership is‬‬ ‫ﺗﺰوﻳﺪ اﻟﺒﻨـــﻚ ﺑﺮﻗﻢ ﻋﻀﻮﻳﺔ ﻏﻴﺮ ﺻﺤﻴﺢ‪.‬‬
‫‪incorrect.‬‬
‫‪10.5‬‬ ‫‪Miles earned on eligible transactions in a calendar month‬‬ ‫اﻛﺘﺴـــﺎب اﻷﻣﻴﺎل ﻣﻘﺎﺑﻞ اﻟﻌﻤﻠﻴﺎت اﻟﺸـــﺮاﺋﻴﺔ اﻟﻤﺆﻫﻠﺔ ﻓﻲ دورة ﻛﺸـــﻒ‬ ‫‪10.5‬‬
‫‪will be limited to the credit limit of the customer i.e. no miles‬‬ ‫اﻟﺤﺴـــﺎب ﺗﻘﺘﺼﺮ ﻋﻠـــﻰ اﻟﺤﺪ اﻻﺋﺘﻤﺎﻧـــﻲ ﻟﻠﻌﻤﻴﻞ ﻟﻜﻞ ﺷـــﻬﺮ‪ ،‬أي أﻧﻪ ﻟﻦ ﻳﺘﻢ‬
‫‪will be awarded for transactions completed over and above‬‬ ‫اﻛﺘﺴـــﺎب أﻣﻴـــﺎل ﻣﻘﺎﺑـــﻞ اﻟﻌﻤﻠﻴـــﺎت اﻟﺘـــﻲ ﺗﺰﻳـــﺪ ﻗﻴﻤﺘﻬﺎ ﻋـــﻦ إﺟﻤﺎﻟﻲ اﻟﺤﺪ‬
‫‪the credit limit of the Card Account in a single calendar‬‬ ‫اﻻﺋﺘﻤﺎﻧﻲ اﻟﺨﺎص ﺑﺎﻟﺒﻄﺎﻗﺔ ﻓﻲ دورة ﻛﺸـــﻒ اﻟﺤﺴﺎب‪.‬‬
‫‪month‬‬
‫‪10.6‬‬ ‫‪SAB reserves the right to reduce the Miles, or not apply any‬‬ ‫ﻳﺨﻀـــﻊ اﺳـــﺘﺤﻘﺎق اﻷﻣﻴـــﺎل ﻓﻴﻤـــﺎ ﻳﺘﻌﻠـــﻖ ﺑﻌﻤﻠﻴـــﺎت اﻟﺘﺤﻮﻳـــﻞ أو اﻟﺪﻓﻊ إﻟﻰ‬ ‫‪10.6‬‬
‫‪allotment , for transactions and payments to e-wallets‬‬ ‫اﻟﻤﺤﺎﻓﻆ اﻟﻨﻘﺪﻳﺔ اﻹﻟﻜﺘﺮوﻧﻴﺔ اﻟﻤﺸﻐﻠﺔ ﻣﻦ ﻗﺒﻞ ﻃﺮف ﺧﺎرﺟﻲ ‪ ,‬ﻳﺤﺘﻔﻆ اﻷول‬
‫‪operated by third parties.‬‬ ‫ﺑﺤﻘﻪ ﻓﻲ ﺗﺨﻔﻴﺾ ﻋﺪد اﻷﻣﻴﺎل اﻟﻤﻜﺘﺴﺒﺔ أو ﻋﺪم إﺣﺘﺴﺎﺑﻬﺎ ‪.‬‬
‫‪10.7‬‬ ‫‪“Cashback” means the amount earned on eligible‬‬ ‫"اﻷﺳـــﺘﺮداد اﻟﻨﻘـــﺪي" ﻳﻌﻨﻲ اﻟﻤﺒﻠﻎ اﻟﻤﻜﺘﺴـــﺐ ﻣﻦ اﻟﻌﻤﻠﻴـــﺎت اﻟﻤﺆﻫﻠﺔ‬ ‫‪10.7‬‬
‫‪transactions as set forth in this document or as decided by‬‬ ‫ﻋﻠـــﻰ اﻟﻨﺤـــﻮ اﻟﻤﻨﺼﻮص ﻋﻠﻴﻪ ﻓﻲ ﻫﺬا اﻟﻤﺴـــﺘﻨﺪ أو ﻋﻠﻰ اﻟﻨﺤﻮ اﻟﺬي ﻳﻘﺮره‬
‫‪the Bank at its absolute discretion and which shall be‬‬ ‫ً‬
‫وﻓﻘـــﺎ ﻟﺘﻘﺪﻳـــﺮه اﻟﻤﻄﻠـــﻖ واﻟﺘـــﻲ ﺳـــﺘﻘﻴﺪ ﻓـــﻲ ﺣﺴـــﺎب ﺑﻄﺎﻗـــﺔ‬ ‫اﻟﺒﻨـــﻚ‬
‫‪credited to the cashback card account after posting the‬‬ ‫اﻻﺳـــﺘﺮداد اﻟﻨﻘﺪي ﺑﻌﺪ ﻧﺸـــﺮ اﻟﻌﻤﻠﻴـــﺎت ذات اﻟﺼﻠﺔ ﻓﻲ ﺣﺴـــﺎب ﺑﻄﺎﻗﺔ‬
‫;‪relevant transaction into customer card account‬‬ ‫اﻟﻌﻤﻴﻞ ؛‬
‫‪10.8‬‬ ‫‪“Eligible Transactions” means all retail transactions, at‬‬ ‫"اﻟﻌﻤﻠﻴـــﺎت اﻟﻤﺆﻫﻠـــﺔ" ﺗﻌﻨﻲ ﺟﻤﻴﻊ ﻋﻤﻠﻴـــﺎت اﻟﺒﻴﻊ ﺑﺎﻟﺘﺠﺰﺋـــﺔ ‪ ،‬ﻓﻲ ﻧﻘﺎط‬ ‫‪10.8‬‬
‫‪point of sale or online, charged/posted to a cardholder’s‬‬ ‫اﻟﺒﻴـــﻊ أو ﻋﺒـــﺮ اﻹﻧﺘﺮﻧﺖ ‪ ،‬واﻟﺘﻲ ﻳﺘﻢ ﺗﺤﺼﻴﻠﻬﺎ ‪ /‬ﺗﺴـــﺠﻴﻠﻬﺎ ﻓﻲ ﺑﻄﺎﻗﺔ اﺋﺘﻤﺎن‬
‫‪Cashback Credit Card, except for the transactions excluded‬‬ ‫اﻻﺳـــﺘﺮداد اﻟﻨﻘﺪي ﻟﺤﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ ‪ ،‬ﺑﺎﺳـــﺘﺜﻨﺎء اﻟﻌﻤﻠﻴﺎت اﻟﻐﻴﺮ ﻣﺆﻫﻠﺔ‪.‬‬

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10.9 “Overall Retail Spend” refers to the sum of eligible .‫ﻳﺸـــﻴﺮ "اﻹﻧﻔﺎق اﻟﻜﻠﻲ ﻋﻠﻰ اﻟﺘﺠﺰﺋﺔ" إﻟﻰ ﻣﺠﻤـــﻮع اﻟﻌﻤﻠﻴﺎت اﻟﻤﺆﻫﻠﺔ‬ 10.9
transactions. This determines the cashback percentage and
category-level cashback caps the cardholder is eligible for a
given billing month/statement.
10.10 The cashback percentage and cashback limits are set at the ‫ﺗﺤـــﺪد ﻧﺴـــﺒﺔ اﻻﺳـــﺘﺮداد اﻟﻨﻘـــﺪي وﺣـــﺪود اﻻﺳـــﺘﺮداد اﻟﻨﻘـــﺪي ﻋﻠـــﻰ‬ 10.10
category level, where the cardholder is eligible for a particular ‫ ﻛﺸـــﻒ‬/ ‫ﻣﺆﻫﻼ ﻟﺸـــﻬﺮ‬
ً ‫ ﺣﻴـــﺚ ﻳﻜﻮن ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗﺔ‬، ‫ﻣﺴـــﺘﻮى اﻟﻔﺌـــﺔ‬
month / statement. .‫ﺣﺴﺎب ﻣﻌﻴﻦ‬
10.11 “Cashback Categories” refers to the Merchant Categories ‫ﺗﺸـــﻴﺮ "ﻓﺌﺎت اﻻﺳـــﺘﺮداد اﻟﻨﻘﺪي" إﻟﻰ ﻓﺌﺎت اﻟﺘﺠﺎر اﻟﻤﺆﻫﻠﺔ ﻟﻸﺳـــﺘﺮداد‬ 10.11
that are eligible for cashback subject to meeting the .‫اﻟﻨﻘﺪي اﻟﺨﺎﺿﻌﺔ ﻟﻠﻮﻓﺎء ﺑﺸـــﺮوط وأﺣﻜﺎم اﻷﺳﺘﺮداد اﻟﻨﻘﺪي‬
cashback terms & conditions.
10.12 The cashback categories consist of several Merchant Category (MCC ) ‫ﺗﺘﻜـــﻮن ﻓﺌﺎت اﻷﺳـــﺘﺮداد اﻟﻨﻘﺪي ﻣـــﻦ ﻋﺪة أﻛﻮاد ﻓﺌـــﺔ اﻟﺘﺎﺟﺮ‬ 10.12
Codes (MCC), for example: supermarket, fuel, restaurants. ‫ اﻟﻤﻄﺎﻋﻢ ﻳﺘـــﻢ ﺗﺤﺪﻳﺪﻫﺎ ﻣﻦ‬,‫ وﻗـــﻮد‬,‫ ﺳـــﻮﺑﺮﻣﺎرﻛﺖ‬:‫ﻋﻠﻰ ﺳـــﺒﻴﻞ اﻟﻤﺜﺎل‬
They are determined by Visa, and it is not the responsibility of ‫ﻗﺒﻞ اﻟﺸـــﺮﻛﺔ اﻟﻤﺸـــﻐﻠﺔ ﻓﻴﺰا و ﻟﻴﺴـــﺖ ﻣﻦ ﻣﺴـــﺌﻮﻟﻴﺔ اﻟﺒﻨﻚ ﺗﺤﺪﻳﺪ ﻓﺌﺔ‬
the bank to determine the merchant category. .‫اﻟﺘﺎﺟﺮ‬

Cashback Program: :‫ﺑﺮﻧﺎﻣﺞ اﻻﺳﺘﺮداد اﻟﻨﻘﺪي‬

10.13 The classification and design of merchant categories is ‫اﻟﺒﻨﻚ‬,‫ﺗﺼﻨﻴـــﻒ وﺗﺤﺪﻳـــﺪ ﻓﺌـــﺔ اﻟﺘﺎﺟـــﺮ ﻳﺤﺪد ﻣـــﻦ ﻗﺒﻞ ﻣﻦ ﻗﺒـــﻞ ﺑﻨـــﻚ اﻟﺘﺎﺟﺮ‬ 10.13
determined by the merchant's bank, Saudi Awwal Bank cannot ‫ اﻟﺘﺠﺰﺋـــﺔ اﻟﻐﻴـــﺮ ﺻﺤﻴﺤﺔ‬/‫اﻟﺴـــﻌﻮدي اﻷول ﻏﻴـــﺮ ﻣﺴـــﺆول ﻋـــﻦ اﻟﺘﺨﺼﻴـــﺺ‬
be held liable for incorrect allocation/segmentation and reserves .‫وﻓﻘﺎ ﻟﺘﻘﺪﻳﺮه‬ً ‫وﻳﺤﺘﻔـــﻆ ﺑﺎﻟﺤﻖ ﻓﻲ ﺗﻌﺪﻳﻞ ﺗﺨﺼﻴﺺ اﺳـــﺘﺮداد اﻟﻨﻘﻮد‬
the right to modify the cashback allocation at its discretion
10.14 Eligible Transactions made using a Supplementary Card will ‫ﻳﺘـــﻢ ﺗﺠﻤﻴـــﻊ اﻟﻌﻤﻠﻴـــﺎت اﻟﻤﺆﻫﻠﺔ ﺗﻤﺖ ﺑﺎﺳـــﺘﺨﺪام اﻟﺒﻄﺎﻗـــﺔ اﻹﺿﺎﻓﻴﺔ ﻣﻊ‬ 10.14
be combined with Eligible Transactions made by the Primary ‫اﻟﻌﻤﻠﻴـــﺎت اﻟﻤﺆﻫﻠـــﺔ اﻟﺘـــﻲ ﺗﻤﺖ ﺑﺎﺳـــﺘﺨﺪام اﻟﺒﻄﺎﻗﺔ اﻻﺳﺎﺳـــﻴﺔ ﻷﻏﺮاض‬
Cardholder for the purposes of calculating the cashback ‫ﺣﺴـــﺎب ﻣﺒﻠﻎ اﻻﺳـــﺘﺮداد اﻟﻨﻘﺪي وإﻳﺪاﻋﻬﺎ ﻓﻲ ﺑﻄﺎﻗﺔ اﻷﺳﺘﺮداد اﻟﻨﻘﺪي‬
amount and will be granted on the primary card holder's .‫اﻷﺳﺎﺳﻴﺔ ﻓﻘﻂ‬
cashback card only.
10.15 The cashback will be calculated after the transaction is ‫ﺳـــﻴﺘﻢ اﺣﺘﺴـــﺎب اﻷﺳـــﺘﺮداد اﻟﻨﻘـــﺪي ﺑﻌـــﺪ ﺗﺴـــﺠﻴﻞ اﻟﻌﻤﻠﻴﺔ ﻓﻲ ﻛﺸـــﻒ‬ 10.15
recorded on the credit card statement based on the total ‫ﺑﻨﺎء ﻋﻠﻰ إﺟﻤﺎﻟﻲ إﻧﻔـــﺎق اﻟﺘﺠﺰﺋﺔ )أي ﻣﺠﻤﻮع ﻛﻞ‬ً ‫ﺣﺴـــﺎب ﺑﻄﺎﻗﺔ اﻻﺋﺘﻤﺎن‬
retail spend (i.e. the sum of all eligible transactions) made as ً
.‫وﻓﻘﺎ ﻟﺒﻴﺎن اﻟﺒﻄﺎﻗﺔ‬ ‫اﻟﻌﻤﻠﻴـــﺎت اﻟﻤﺆﻫﻠﺔ( اﻟﺘﻲ ﻳﺘﻢ إﺟﺮاؤﻫـــﺎ‬
per the card statement.
10.16 The cashback percentage due to the card holders will be ‫ﺳـــﻴﺘﻢ ﺗﺤﺪﻳـــﺪ ﻧﺴـــﺒﺔ اﻻﺳـــﺘﺮداد اﻟﻨﻘـــﺪي اﻟﻤﺴـــﺘﺤﻘﺔ ﻟﺤﺎﻣﻠـــﻲ اﻟﺒﻄﺎﻗﺔ‬ 10.16
determined and applied to the total of eligible transactions ‫وﺗﻄﺒﻴﻘﻬـــﺎ ﻋﻠـــﻰ ﻣﺠﻤﻮع اﻟﻌﻤﻠﻴـــﺎت اﻟﻤﺆﻫﻠﺔ اﻟﺘﻲ ﺗـــﻢ إﺟﺮاؤﻫﺎ ﻓﻲ ﺿﻤﻦ‬
made in the cashback categories. .‫ﻓﺌﺎت اﻻﺳﺘﺮداد اﻟﻨﻘﺪي‬
10.17 The cashback amount will be credited to the cashback ‫ﺳـــﻴﺘﻢ إﺿﺎﻓـــﺔ ﻣﺒﻠﻎ اﻻﺳـــﺘﺮداد اﻟﻨﻘـــﺪي إﻟﻰ رﺻﻴـــﺪ اﻻﺳـــﺘﺮداد اﻟﻨﻘﺪي‬ 10.17
balance of the cardholder's account once the transaction is ‫ﻟﺤﺴـــﺎب ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗـــﺔ ﺑﻤﺠـــﺮد ﺗﺴـــﺠﻴﻞ اﻟﻌﻤﻠﻴـــﺔ ﻓـــﻲ ﺣﺴـــﺎب ﺑﻄﺎﻗﺔ‬
credited to the credit card account and shown to the .‫اﻻﺋﺘﻤﺎن وإﻇﻬﺎره ﻟﻠﻌﻤﻴﻞ ﻋﻨﺪ إﺻﺪار ﻛﺸـــﻒ ﺣﺴـــﺎب اﻟﺒﻄﺎﻗﺔ اﻟﺸﻬﺮي‬
customer when issuing the monthly card statement.
10.18 Saudi Awwal Bank cannot be held responsible for any delay ‫اﻟﺒﻨـــﻚ اﻟﺴـــﻌﻮدي اﻷول ﻻ ﻳﻤﻜـــﻦ أن ﻳﻜـــﻮن ﻣﺴـــﺆول ﻋـــﻦ أي ﺗﺄﺧﻴﺮ ﻓﻲ‬ 10.18
in posting operations due to delays from the concerned .‫ﺗﺮﺣﻴﻞ اﻟﻌﻤﻠﻴﺎت ﺑﺴـــﺒﺐ اﻟﺘﺄﺧﻴﺮ ﻣـــﻦ اﻟﺘﺠﺎر اﻟﻤﻌﻨﻴﻴﻦ‬
merchants.
10.19 Cashback tiers will be designed based on the Visa Merchant ‫ﺑﻨﺎء ﻋﻠﻰ ﺗﺼﻨﻴﻒ رﻣـــﺰ ﻓﺌﺔ اﻟﺘﺎﺟﺮ‬
ً ‫ﺳـــﻴﺘﻢ ﺗﺤﺪﻳﺪ ﻓﺌﺎت اﻻﺳـــﺘﺮداد اﻟﻨﻘـــﺪي‬ 10.19
Tier Code rating. .‫ﻓﻴﺰا‬
10.20 Maximum cashback is 400 SAR per month for each category, ‫ رﻳﺎل ﺳـــﻌﻮدي ﺷـــﻬﺮﻳً ﺎ ﻟﻜﻞ ﻓﺌﺔ‬400 ‫اﻟﺤـــﺪ اﻷﻗﺼـــﻰ ﻟﻼﺳـــﺘﺮداد اﻟﻨﻘﺪي‬ 10.20
Tailored cashback at 3%, 5% and 10% respectively ‫ ﻋﻠﻰ اﻟﺘﻮاﻟﻲ‬%10 ‫ و‬%5 ‫ و‬%3 ‫اﺳـــﺘﺮداد ﻧﻘﺪي ﻣﺼﻤﻤﺔ ﺑﻨﺴـــﺒﺔ‬
10.21 No maximum cashback is set per month for all other spend ً
‫ﺷـــﻬﺮﻳﺎ ﻟﺠﻤﻴﻊ ﻓﺌﺎت اﻹﻧﻔﺎق‬ ‫ﻟﻢ ﻳﺘﻢ ﺗﻌﻴﻴﻦ ﺣﺪ أﻗﺼﻰ ﻟﻼﺳـــﺘﺮداد اﻟﻨﻘﺪي‬ 10.21
categories designed at 1% cashback. .‫ اﺳـــﺘﺮداد ﻧﻘﺪي‬%1 ‫اﻷﺧﺮى اﻟﻤﺼﻤﻤﺔ ﻋﻠﻰ‬
10.22 No maximum cashback is set per month for all international ً
‫ﺷـــﻬﺮﻳﺎ ﻟﺠﻤﻴﻊ ﻓﺌﺎت اﻹﻧﻔﺎق‬ ‫ﻟﻢ ﻳﺘﻢ ﺗﻌﻴﻴﻦ ﺣﺪ أﻗﺼﻰ ﻟﻼﺳـــﺘﺮداد اﻟﻨﻘﺪي‬ 10.22
transactions designed at 2% cashback (please refer to the :(‫ )ﻳﺮﺟﻰ ﻣﺮﺟﻌﻪ اﻟﺠﺪول أدﻧﺎه‬.‫ اﺳـــﺘﺮداد ﻧﻘﺪي‬%2 ‫ﻟﻠﻌﻤﻠﻴـــﺎت اﻟﺪوﻟﺒﺔ‬
table below):
Others ‫ﻋﻤﻠﻴﺎت‬
‫ﻋﻤﻠﻴﺎت دوﻟﻴﺔ‬ ‫اﻟﻮﻗﻮد‬ ‫ﺳﻮﺑﺮ ﻣﺎرﻛﺖ‬ ‫اﻟﻤﻄﺎﻋﻢ‬ ‫إﺟﻤﺎﻟﻲ اﻹﻧﻔﺎق‬
‫ُأﺧﺮى ﻣﺤﻠﻴﺔ‬
Overall Spends Dining Supermarket Fuel International
Domestic

0 - 1,999 0% 0% 0% 1% 2% %2 %1 %0 %0 %0 1,999 - 0

2,000 - 9,999 3% 3% 3% 1% 2% %2 %1 %3 %3 %3 9,999 - 2,000

10,000 - 14,999 5% 5% 5% 1% 2% %2 %1 %5 %5 %5 14,999 - 10,000

15,000+ 10 % 10 % 10 % 1% 2% %2 %1 % 10 % 10 % 10 15,000+
‫اﻟﺤﺪ‬
Cap 200 100 100 Unlimited ‫ﻏﻴﺮ ﻣﺤﺪود‬ 100 100 200 ‫ﻟﻼﺳﺘﺮداد اﻟﻨﻘﺪي‬

10.23 If the transaction is disputed, fraudulent, unauthorized, illegal ‫إذا ﻛﺎﻧـــﺖ اﻟﻌﻤﻠﻴـــﺔ ﻣﺤـــﻞ ﻧـــﺰاع أو ﻏﻴـــﺮ ﻣﺼﺮح ﺑﻬـــﺎ أو ﻏﻴـــﺮ ﻗﺎﻧﻮﻧﻴﺔ أو ﺗﻢ‬ 10.23
or reversed by the merchant, then the refund of the relevant ‫ ﻓﻴﺠﺐ ﻋﻜﺲ اﺳـــﺘﺮداد ﻧﻘﻮد اﻟﻌﻤﻠﻴـــﺔ اﻟﻤﻌﻨﻴﺔ‬،‫ﻋﻜﺴـــﻬﺎ ﻣـــﻦ ﻗﺒﻞ اﻟﺘﺎﺟـــﺮ‬
transaction must be reversed accordingly, in case there are ، ‫ ﻓـــﻲ ﺣﺎﻟﺔ ﻋﺪم ﺗﻮﻓﺮ أﻣـــﻮال ﻛﺎﻓﻴﺔ ﻓﻲ ﺣﺴـــﺎب اﻟﺒﻄﺎﻗﺔ‬، ‫وﻓﻘـــﺎ ﻟﺬﻟﻚ‬ ً
not enough funds in the card account, the reverse of the ‫ﻓﺴـــﻴﺘﻢ ﺗﺮﺣﻴـــﻞ ﻋﻜـــﺲ اﺳـــﺘﺮداد اﻟﻨﻘـــﻮد ﻛﺮﺻﻴـــﺪ ﻣﺴـــﺘﺤﻖ ﻓﻲ ﺣﺴـــﺎب‬
cashback will be posted as the balance due in Card Account ‫اﻟﺒﻄﺎﻗـــﺔ ﻳﺴـــﺘﺜﻨﻰ ﻣﻦ ذﻟﻚ اﻟﻌﻤﻠﻴﺎت اﻟﺘﻲ ﻳﺜﺒـــﺖ اﻧﻬﺎ اﺣﺘﻴﺎل وﻟﻢ ﺗﺘﻢ ﻣﻦ‬
with the exception of transactions that prove to be fraud and ‫ﻗﺒﻞ ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ‬
were not carried out by the card holder
10.24 If the customer gets a full cashback of SAR 200, SAR 100, ، ‫ رﻳﺎل ﺳـــﻌﻮدي‬200 ‫إذا ﺣﺼﻞ اﻟﻌﻤﻴﻞ ﻋﻠﻰ اﺳـــﺘﺮداد ﻧﻘﺪي ﻛﺎﻣﻞ ﻗﺪره‬ 10.24
SAR 100 for each cashback category on the first day, the ‫ رﻳﺎل ﺳـــﻌﻮدي ﻟﻜﻞ ﻓﺌﺔ اﺳـــﺘﺮداد ﻧﻘﺪي ﻓﻲ‬100 ، ‫ رﻳﺎل ﺳـــﻌﻮدي‬100
cashback will not be calculated in all other categories for ‫ ﻓﻠـــﻦ ﻳﺘﻢ اﺣﺘﺴـــﺎب اﻻﺳـــﺘﺮداد اﻟﻨﻘﺪي ﻓﻲ ﺟﻤﻴـــﻊ اﻟﻔﺌﺎت‬، ‫اﻟﻴـــﻮم اﻷول‬
transactions executed in the same category during the month. ‫اﻷﺧـــﺮى ﻟﻠﻌﻤﻠﻴﺎت اﻟﻤﻨﻔﺬة ﻓﻲ ﻧﻔﺲ اﻟﻔﺌﺔ ﺧﻼل اﻟﺸـــﻬﺮ‬

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‫‪10.25‬‬ ‫‪Cashback granted on eligible transactions in the statement‬‬ ‫ﺳـــﻴﻘﺘﺼﺮ اﺳـــﺘﺮداد اﻟﻨﻘﻮد اﻟﻤﻤﻨﻮح ﻋﻠـــﻰ اﻟﻌﻤﻠﻴـــﺎت اﻟﻤﺆﻫﻠﺔ ﻓﻲ دورة‬ ‫‪10.25‬‬
‫‪cycle will be limited to the maximum limits per category group.‬‬ ‫ﻛﺸـــﻒ اﻟﺤﺴـــﺎب ﻋﻠﻰ اﻟﺤﺪود اﻟﻘﺼﻮى ﻟﻜﻞ ﻣﺠﻤﻮﻋﺔ ﻓﺌﺔ‪.‬‬
‫‪10.26‬‬ ‫‪Any cashback earned in any statement cycle will be‬‬ ‫ﺑﺎﻃﻼ‬
‫َ‬ ‫أي اﺳـــﺘﺮداد ﻧﻘﺪي ﻳﺘﻢ رﺑﺤﻪ ﻓﻲ أي دورة ﻛﺸـــﻒ ﺣﺴﺎب ﺳـــﻴﻌﺘﺒﺮ‬ ‫‪10.26‬‬
‫‪considered null and void in the following cases:‬‬ ‫وﻣﻠﻐـــﻲ ﻓﻲ اﻟﺤﺎﻻت اﻟﺘﺎﻟﻴﺔ ‪:‬‬
‫‪• using the card for business purposes instead of personal‬‬ ‫ﺑﺪﻻ ﻣﻦ اﻟﺸﺨﺼﻴﺔ‬ ‫َ‬ ‫• اﺳـــﺘﺨﺪام ﺑﻄﺎﻗﺔ اﻻﺳـــﺘﺮداد اﻟﻨﻘﺪي ﻷﻏﺮاض ﺗﺠﺎرﻳﺔ‬
‫;‪• The cardholder's card has expired and is not renewed‬‬ ‫• ﻓـــﻲ ﺣﺎل اﻧﺘﻬﯩﺎء ﺻﻼﺣﻴـــﺔ اﻟﺒﻄﺎﻗﺔ وﻟﻢ ﻳﺘﻢ ﺗﺠﺪﻳﺪﻫﺎ‬
‫‪• In the event of a breach of the Card Agreement, in SAB's‬‬ ‫• ﻓـ ــﻲ ﺣـ ــﺎل ﺣـ ــﺪوث ﺧـ ــﺮق ﻻﺗﻔﺎﻗﻴـ ــﺔ اﻟﺒﻄﺎﻗـ ــﺔ ‪ ,‬وﻓﻘـ ـ َـﺎ ﻟﺘﻘﺪﻳـ ــﺮ اﻟﺒﻨـ ــﻚ‬
‫‪absolute discretion, this will result in the cancellation of the‬‬ ‫اﻟﺴـــﻌﻮدي اﻷول اﻟﻤﻄﻠﻖ ‪,‬ﺳﻴﺆدي ذﻟﻚ إﻟﻰ إﻟﻐﺎء اﻻﺳﺘﺮداد اﻟﻨﻘﺪي‬
‫‪Cashback or similar (as applicable).‬‬ ‫أو ﻣﺎﺷـــﺎﺑﻪ ذﻟﻚ )ﺣﺴﺐ اﻻﻗﺘﻀﺎء(‬
‫‪10.27‬‬ ‫‪Cashback cannot be exchanged for any other rewards and‬‬ ‫ﻻﻳﻤﻜﻦ اﺳـــﺘﺒﺪال اﻻﺳـــﺘﺮداد اﻟﻨﻘﺪي ﺑﺄي ﻣﻜﺎﻓﺂت أﺧﺮى ‪,‬ﺣﻴﺚ ﻳﺘﻢ اﻳﺪاع‬ ‫‪10.27‬‬
‫‪cannot be exchanged or transferred under any circumstances.‬‬ ‫ﻣﺒﺎﻟـــﻎ اﻻﺳـــﺘﺮداد اﻟﻨﻘﺪي ﻓﻲ ﺣﺴـــﺎب اﻟﺒﻄﺎﻗـــﺔ اﻻﺋﺘﻤﺎﻧﻴﺔ اﻷﺳﺎﺳـــﻴﺔ ‪,‬‬
‫‪It can only be used after it has been credited to the cashback‬‬ ‫وﻓﻲ ﺣﺎل ﺗﺤﻮﻳﻠﻪ ﻟﺒﻄﺎﻗﺔ اﺧﺮى او اي ﺟﻬﺔ ﺳـــﻴﺘﻢ ﺗﻄﺒﻴﻖ رﺳـــﻮم اﻟﺴﺤﺐ‬
‫‪credit card account.‬‬ ‫اﻟﻨﻘﺪي‪.‬‬
‫‪10.28‬‬ ‫‪Transactions that are not eligible for rewards (Cashback /‬‬ ‫اﻟﻌﻤﻠﻴـــﺎت اﻟﻐﻴـــﺮ ﻣﺆﻫﻠـــﺔ ﻟﻠﻤﻜﺎﻓـــﺂت )اﻻﺳـــﺘﺮداد اﻟﻨﻘـــﺪي ‪ /‬اﻷﻣﻴـــﺎل ‪/‬‬ ‫‪10.28‬‬
‫‪Miles / ICSAB+):‬‬ ‫أﻛﺴﺐ‪: (+‬‬
‫‪• Balance Transfers‬‬ ‫• ﺗﺤﻮﻳـــﻞ اﻟﺮﺻﻴﺪ ﺑﻴـــﻦ اﻟﻤﺤﺎﻓﻆ اﻹﻟﻜﺘﺮوﻧﻴﺔ أو اي ﺟﻬﺔ اﺧﺮى‬
‫‪• Easy Payment Plans / AQSAT Program‬‬ ‫• ﺧﻄﻂ ﺳـــﺪاد ﺳﻬﻠﺔ ‪ /‬ﺑﺮﻧﺎﻣﺞ أﻗﺴﺎط‬
‫‪• Cash withdrawal‬‬ ‫• اﻟﺴﻠﻒ اﻟﻨﻘﺪﻳﺔ‬
‫‪• Utility bills / SADAD payments‬‬ ‫• ﻓﻮاﺗﻴﺮ اﻟﺨﺪﻣﺎت اﻟﻌﺎﻣﺔ ‪ /‬ﻣﺪﻓﻮﻋﺎت ﺳـــﺪاد‬
‫‪• Financial fees‬‬ ‫• اﻟﺮﺳﻮم اﻟﻤﺎﻟﻴﺔ‬
‫)‪• Digital wallets payments (eg STC PAY, URPAY, etc.‬‬ ‫• ﻣﺪﻓﻮﻋـــﺎت اﻟﻤﺤﺎﻓﻆ اﻟﺮﻗﻤﻴﺔ ﻣﺜﻞ ‪ URPAY‬و ‪ STC PAY‬وﻣﺎ إﻟﻰ ذﻟﻚ‬
‫‪• All fees imposed on the card by the bank‬‬ ‫• ﺟﻤﻴﻊ اﻟﺮﺳـــﻮم اﻟﻤﻔﺮوﺿﺔ ﻋﻠـــﻰ اﻟﺒﻄﺎﻗﺔ ﻣﻦ ﻗﺒﻞ اﻟﺒﻨﻚ‬
‫‪• Reverse transactions by merchants‬‬ ‫• اﻟﻌﻤﻠﻴﺎت اﻟﻌﻜﺴـــﻴﺔ ﻣﻦ ﻗﺒﻞ اﻟﺘﺠﺎر‬
‫‪• Petrol Station and Service station‬‬ ‫• ﻣﺤﻄـــﺎت اﻟﻮﻗﻮد‪/‬ﻣﺤﻄﺎت اﻟﺨﺪﻣﺔ‬
‫‪10.29‬‬ ‫‪The cashback program is valid for personal use only. In the‬‬ ‫ﺑﺮﻧﺎﻣﺞ اﻷﺳـــﺘﺮداد اﻟﻨﻘﺪي ﺻﺎﻟﺢ ﻟﻼﺳـــﺘﺨﺪام اﻟﺸـــﺨﺼﻲ ﻓﻘﻂ‪ .‬ﻓﻲ ﺣﺎﻟﺔ‬ ‫‪10.29‬‬
‫‪event that the card is used for commercial purposes, Saudi‬‬ ‫اﺳـــﺘﺨﺪام اﻟﺒﻄﺎﻗـــﺔ ﻷﻏـــﺮاض ﺗﺠﺎرﻳﺔ ‪ ،‬ﻳﺤﺘﻔـــﻆ اﻟﺒﻨﻚ اﻟﺴـــﻌﻮدي اﻷول‬
‫‪Awwal Bank reserves the right to refund the granted cash‬‬ ‫ﺑﺎﻟﺤـــﻖ ﻓـــﻲ اﺳـــﺘﺮداد اﻟﻨﻘﻮد اﻟﻤﻤﻨﻮﺣـــﺔ و ‪ /‬أو ﺗﻌﻠﻴـــﻖ ﺑﻄﺎﻗﺔ اﻻﺋﺘﻤﺎن‬
‫‪and/or suspend the credit card and/or report this to the‬‬ ‫و ‪ /‬أو اﻹﺑﻼغ ﻋـــﻦ ذﻟـــﻚ إﻟـــﻰ اﻟﺴـــﻠﻄﺎت اﻟﻤﺨﺘﺼـــﺔ ﻛﺨﺮق ﻟﻼﺳـــﺘﺨﺪام‬
‫‪relevant authorities as a fair use breach.‬‬ ‫اﻟﻌﺎدل‪.‬‬

‫‪11.‬‬ ‫‪SAB AQSAT‬‬ ‫أﻗﺴﺎط اﻷول‬ ‫‪.11‬‬

‫‪11.1‬‬ ‫‪To take advantage of SAB AQSAT, the Cardholder should‬‬ ‫ﻟﻺﺳـــﺘﻔﺎدة ﻣـــﻦ ﺑﺮﻧﺎﻣـــﺞ " أﻗﺴـــﺎط اﻷول"‪ ،‬ﻋﻠﻰ ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗﺔ أن‬ ‫‪11.1‬‬
‫‪communicate their consent to convert to one or multiple‬‬ ‫ﻳﺒـــﺪي ﻣﻮاﻓﻘﺘـــﻪ ﻋﻠـــﻰ ﺗﺤﻮﻳـــﻞ ﻋﻤﻠﻴـــﺔ ﺷـــﺮاﺋﻴﺔ واﺣـــﺪة أو أﻛﺜـــﺮ ﻣـــﻦ‬
‫‪AQSAT plan eligible transactions within 15 days from the‬‬ ‫ﻋﻤﻠﻴـــﺎت اﻟﺸـــﺮاء اﻟﻤﺆﻫﻠـــﺔ )اﻟﻤﻄﺎﺑﻘـــﺔ ﻟﻠﺸـــﺮوط( ﻋـــﻦ ﻃﺮﻳﻖ إﺟﺮاء‬
‫‪original transaction date through Tawarruq transaction. The‬‬ ‫ً‬
‫ﻳﻮﻣـــﺎ ﻣـــﻦ ﺗﺎرﻳـــﺦ إﺟـــﺮاء اﻟﻌﻤﻠﻴـــﺔ‬ ‫ﻋﻤﻠﻴـــﺔ ﺗـــﻮرق وذﻟـــﻚ ﺧﻼل ‪15‬‬
‫‪Cardholder can call SAB Call Center or convert the‬‬ ‫اﻟﺸـــﺮاﺋﻴﺔ ﻣـــﻦ ﺧﻼل اﻻﺗﺼـــﺎل ﻋﻠـــﻰ ﻣﺮﻛـــﺰ ﺧﺪﻣـــﺔ اﻟﻌـــﻤﻼء أو ﺗﺤﻮﻳﻞ‬
‫‪transaction to AQSAT through our digital channels.‬‬ ‫اﻟﻌﻤﻠﻴـــﺔ إﻟﻰ أﻗﺴـــﺎط ﻋـــﻦ ﻃﺮﻳﻖ ﻗﻨﻮاﺗﻨـــﺎ اﻟﺮﻗﻤﻴﺔ‪.‬‬
‫‪11.2‬‬ ‫‪The following table highlights the minimum and maximum‬‬ ‫ﻳﻮﺿـــﺢ اﻟﺠـــﺪول اﻟﺘﺎﻟـــﻲ اﻟﺤـــﺪ اﻷﻗﺼـــﻰ واﻷدﻧـــﻰ ﻣـــﻦ ﻣﺠﻤـــﻮع ﻗﻴﻤـــﺔ‬ ‫‪11.2‬‬
‫‪transaction amount, Tawarruq profit Amount and processing‬‬ ‫اﻟﻌﻤﻠﻴـــﺎت اﻟﺸـــﺮاﺋﻴﺔ وﻣﺒﻠـــﻎ رﺑـــﺢ اﻟﺘﻮرق واﻟﺮﺳـــﻮم اﻹدراﻳﺔ ﻟـــﻜﻞ ﻓﺘﺮة‬
‫‪fees for each term:‬‬ ‫ﻗﻴﺎ ﺳﻴﺔ ‪:‬‬

‫)‪Repayment Term (Month‬‬ ‫‪3‬‬ ‫‪6‬‬ ‫‪12‬‬ ‫‪24‬‬ ‫‪24‬‬ ‫‪12‬‬ ‫‪6‬‬ ‫‪3‬‬ ‫ﻓﺘﺮة اﻟﺴﺪاد )ﺑﺎﻷﺷﻬﺮ(‬

‫‪Minimum Transaction‬‬ ‫‪1,000‬‬ ‫‪1,000‬‬ ‫‪2,000‬‬ ‫‪5,000‬‬ ‫‪5,000‬‬ ‫‪2,000‬‬ ‫‪1,000‬‬ ‫‪1,000‬‬ ‫اﻟﺤﺪ اﻷدﻧﻰ ﻟﻘﻴﻤﺔ اﻟﺘﻌﺎﻣﻞ )ر‪.‬س(‬
‫)‪Amount (SAR‬‬
‫‪Maximum Transaction‬‬ ‫‪Up to a maximum of available Credit Limit‬‬ ‫ﺣﺘﻰ ﺣﺪ اﻻﺋﺘﻤﺎن اﻷﻋﻠﻰ اﻟﻤﺘﻮﻓﺮ وأن ﻻ ﺗﺰﻳﺪ ﻋﻦ ‪%95‬‬
‫اﻟﺤﺪ اﻷﻋﻠﻰ ﻟﻘﻴﻤﺔ اﻟﺘﻌﺎﻣﻞ )ر‪.‬س(‬
‫)‪Amount (SAR‬‬ ‫‪but not more than 95% of the total limit‬‬ ‫ﻣﻦ اﻟﺤﺪ اﻻﺋﺘﻤﺎﻧﻲ‬
‫‪Tawarruq profit‬‬ ‫‪24% (12%‬‬ ‫‪%12) %24‬‬
‫‪49‬‬ ‫‪99‬‬ ‫‪199‬‬
‫ﻧﺴﺒﺔ ﺳﻨﻮﻳﺔ(*‬ ‫‪199‬‬ ‫‪99‬‬ ‫‪49‬‬ ‫ﻣﻌﺪل ‪ /‬ﻣﺒﻠﻎ رﺑﺢ اﻟﺘﻮرق )ر‪.‬س(‬
‫‪Amount (SAR) / Rate‬‬ ‫*)‪annual rate‬‬

‫‪* In addition to processing fees SAR 50‬‬ ‫* ﺑﺎﻹﺿﺎﻓﺔ إﻟﻰ رﺳﻮم إدارﻳﺔ ﺑﻤﺒﻠﻎ ‪ 50‬رﻳﺎل ﺳﻌﻮدي‬
‫)‪Charges are subject to Value Added Tax (VAT‬‬ ‫اﻟﺮﺳـــﻮم ﺧﺎﺿﻌﺔ ﻟﻀﺮﻳﺒﺔ اﻟﻘﻴﻤﺔ اﻟﻤﻀﺎﻓﺔ‬

‫‪11.3‬‬ ‫‪Late payments or non-payment of instalments will result in‬‬ ‫ﺳـــﻴﺆدي اﻟﺘﺄﺧﺮ ﻓــــﻲ اﻟﺴـــﺪاد أو ﻋﺪم دﻓﻊ اﻷﻗﺴـــﺎط اﻟﻤﺴـــﺘﺤﻘﺔ إﻟﻰ‬ ‫‪11.3‬‬
‫‪cancelling the AQSAT Plan(s) and the outstanding AQSAT‬‬ ‫إﻟﻐـــﺎء ﺑﺮﻧﺎﻣـــﺞ ‪ /‬ﺑﺮاﻣـــﺞ "أﻗﺴـــﺎط اﻷول" وﺗﺤﻮﻳـــﻞ ﻣﺒﻠـــﻎ اﻷﻗﺴـــﺎط‬
‫‪Principal Sum(s) in question being converted to standard‬‬ ‫اﻷﺳﺎﺳـــﻲ ﻏﻴـــﺮ اﻟﻤﺴـــﺪد إﻟـــﻰ ﺣﺴـــﺎب اﻟﺒﻄﺎﻗـــﺔ اﻟﻤﻌﻨﻴـــﺔ‪ ،‬ﺑﺤﻴـــﺚ ﻳﺘﻢ‬
‫‪purchasing transactions and will be treated under Clause 6 of‬‬ ‫اﻟﺘﻌﺎﻣـــﻞ ﻣﻌﻬـــﺎ وﻓﻖ ﻧﻈﺎم ﺑﻄﺎﻗـــﺔ اﻷول اﻻﺋﺘﻤﺎﻧﻴـــﺔ واﻟﻤﻌﺘﻤﺪة ﻋﻠﻰ‬
‫‪the existing Terms and Conditions as published in the “SAB‬‬ ‫اﻟﺪﺧـــﻮل ﻓــــﻲ اﻟﺘـــﻮرق ﻟﺴـــﺪاد اﻟﻤﺴـــﺘﺤﻘﺎت ﺑﻤـــﺎ ﻳﺘﻮاﻓﻖ ﻣـــﻊ اﻟﻤﺎدة‬
‫‪Cards User Guide”. Also such cancellations will attract a late‬‬ ‫رﻗـــﻢ ‪ 6‬ﻣـــﻦ ﻫـــﺬه اﻹﺗﻔﺎﻗﻴـــﺔ ‪ .‬ﻛﻤـــﺎ أن اﻹﻟﻐﺎء ﺳـــﻴﺆدي إﻟـــﻰ ﺗﻄﺒﻴﻖ‬
‫‪payment fee as advised to the Cardholders from time to time‬‬ ‫ﻏﺮاﻣﺎت ﺣﺴـــﺐ ﻣـــﺎ ﻳﺘﻢ إﺑﻼغ ﺣﻤﻠـــﺔ اﻟﺒﻄﺎﻗﺎت ﺑﻪ ﻣـــﻦ ﻗﺒﻞ اﻷول ﻣﻦ‬
‫‪by SAB.‬‬ ‫وﻗﺖ ﻵﺧﺮ‪.‬‬
‫‪11.4‬‬ ‫‪The Bank may at any time and without any prior notice or‬‬ ‫ﻳﺤـــﻖ ﻟﻠﺒﻨـــﻚ ﻓــــﻲ أي وﻗﺖ وﺑـــﺪون إﺷـــﻌﺎر أو ﺗﺤﻤﻞ أي ﻣﺴـــﺆوﻟﻴﺔ ﺗﺠﺎه‬ ‫‪11.4‬‬
‫‪liability to the Cardholder, modify or terminate the AQSAT‬‬ ‫ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ أن ﻳﻘﻮم ﺑﺘﻌﺪﻳﻞ أوإﻧﻬﺎء ﻣﺪة أو ﺷـــﺮوط ﺑﺮﻧﺎﻣﺞ "أﻗﺴـــﺎط‬
‫‪Terms and Conditions. However, any such modifications or‬‬ ‫اﻷول" ﻣﻊ اﻷﺧﺬ ﺑﺎﻻﻋﺘﺒﺎر أن ﺳـــﺮﻳﺎن ﻫﺬه اﻟﺘﻌﺪﻳﻼت أو اﻹﻧﻬﺎء ﺳـــﻴﻜﻮن‬
‫‪terminations shall come into effect 60 days from the date of‬‬ ‫ﻛﺎﻓﻴﺎ ﻟﻤﻮاﻓﻘـــﺔ ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ‬‫ً‬ ‫ً‬
‫وﻗﺘﺎ‬ ‫ً‬
‫ﻳﻮﻣـــﺎ ﻣﻦ إﺟﺮاﺋﻬﺎ ﻣﻤـــﺎ ﻳﻮﻓﺮ‬ ‫ﺑﻌـــﺪ ‪60‬‬
‫‪introduction, providing the Cardholder ample time to agree to‬‬ ‫ﻋﻠﻰ ﻫﺬا اﻹﺟﺮاء‪.‬‬
‫‪such changes.‬‬
‫‪11.5‬‬ ‫‪The Terms and Conditions of the Cardholder Agreement shall‬‬ ‫ﺗﻨﻄﺒـــﻖ ﺟﻤﻴـــﻊ ﺷـــﺮوط وأﺣـــﻜﺎم اﺗﻔﺎﻗﻴـــﺔ ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗـــﺔ ﻋﻠـــﻰ ﻫـــﺬا‬ ‫‪11.5‬‬
‫‪also apply to this program.‬‬ ‫اﻟﺒﺮﻧﺎﻣﺞ‪.‬‬
‫‪11.6‬‬ ‫‪AQSAT Terms and Conditions are available on SAB website:‬‬ ‫ﺗﺘﻮﻓـــﺮ ﺷـــﺮوط وأﺣـــﻜﺎم اﻟﺒﺮﻧﺎﻣـــﺞ ﻓـــﻲ ﻣﻮﻗـــﻊ اﻷول اﻹﻟﻜﺘﺮوﻧـــﻲ‪:‬‬ ‫‪11.6‬‬
‫‪www.sab.com‬‬ ‫‪www.sab.com‬‬

‫‪Page 13 - 16‬‬
‫‪12.‬‬ ‫‪Charges‬‬ ‫اﻟﺮﺳﻮم‬ ‫‪.12‬‬
‫‪12.1‬‬ ‫‪The Cardholder shall pay an irrevocable annual fee which‬‬ ‫ﻳﻠﺘـــﺰم ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ ﺑﺪﻓﻊ رﺳـــﻢ ﺳـــﻨﻮي ﻏﻴـــﺮ ﻗﺎﺑﻞ ﻟﻼﺳـــﺘﺮداد‪ ،‬وﻳﺨﺘﻠﻒ‬ ‫‪12.1‬‬
‫‪varies according to the Card category.‬‬ ‫ﻣﺒﻠﻎ ﻫﺬا اﻟﺮﺳـــﻢ ﺑﺎﺧﺘﻼف ﻓﺌﺔ اﻟﺒﻄﺎﻗﺔ‪.‬‬
‫‪12.2‬‬ ‫‪The bank will charge 3 % for Cash withdrawal / transfer‬‬ ‫ﻳﻘـــﻮم اﻟﺒﻨـــﻚ ﺑﺎﺣﺘﺴـــﺎب ‪ % 3‬ﻣﻦ اﻟﻤﺒﻠﻎ ﻋﻠـــﻰ ﻋﻤﻠﻴﺎت اﻟﺴـــﺤﺐ اﻟﻨﻘﺪي‬ ‫‪12.2‬‬
‫‪below SAR 2,500 with a maximum limit of SAR 75 for‬‬ ‫واﻟﺘﺤﻮﻳـــﻞ اﻟﺘـــﻲ ﺗﻘـــﻞ ﻋﻦ ‪ 2500‬رﻳـــﺎل ﺳـــﻌﻮدي‪ ،‬وﺑﺤﺪ أﻗﺼـــﻰ ‪ 75‬رﻳﺎل‬
‫‪transactions equal to or above SAR 2500.‬‬ ‫ﺳـــﻌﻮدي ﻟﻠﻌﻤﻠﻴﺎت اﻟﺘﻲ ﺗﺒﻠﻎ ‪ 2500‬رﻳﺎل وأﻛﺜﺮ‪.‬‬
‫‪12.3‬‬ ‫‪The Bank reserves the right to amend charges from time to‬‬ ‫ً‬
‫وﻓﻘـــﺎ ﻟﺘﻘﺪﻳﺮه‪ .‬وﻳﻠﺘﺰم‬ ‫ﻳﺤﺘﻔـــﻆ اﻟﺒﻨﻚ ﺑﺤﻖ ﺗﻌﺪﻳﻞ اﻟﺮﺳـــﻮم ﻣﻦ وﻗﺖ ﻵﺧﺮ‬ ‫‪12.3‬‬
‫‪time, at its discretion. Any such variations or amendments‬‬ ‫اﻟﺒﻨـــﻚ ﺑﺈﺷـــﻌﺎر ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗـــﺔ ﺑﻬـــﺬه اﻟﺘﻌـــﺪﻳﻼت ﻋـــﻦ ﻃﺮﻳـــﻖ اﻟﻘﻨﻮات‬
‫‪will become effective and binding on the Cardholder upon‬‬ ‫اﻟﺮﺳـــﻤﻴﺔ‪ .‬وﻳﻤﺜـــﻞ اﺳـــﺘﺨﺪام اﻟﺒﻄﺎﻗﺔ ﺑﻌـــﺪ ﺗﺎرﻳﺦ ﺳـــﺮﻳﺎن أي ﺗﻌﺪﻳﻞ ﻟﻬﺬه‬
‫‪notification to the Cardholder by any means the Bank deems‬‬ ‫ﻗﺒﻮﻻ ﻣﻦ‬
‫ً‬ ‫اﻟﺸـــﺮوط واﻷﺣـــﻜﺎم )ﺣﺴـــﺒﻤﺎ ﻳﺘﻢ ﺗﺤﺪﻳﺪه ﻓــــﻲ إﺷـــﻌﺎر اﻟﺒﻨـــﻚ(‬
‫‪fit. Use of the Card after the date upon which any change to‬‬ ‫ﺣﺎﻣـــﻞ اﻟﺒﻄﺎﻗـــﺔ ﻟﺬﻟـــﻚ اﻟﺘﻌﺪﻳـــﻞ دون أﻳـــﺔ ﺗﺤﻔﻈـــﺎت ﻋﻠﻴـــﻪ‪ ،‬وﻓــــﻲ ﺣﺎل‬
‫‪these Terms and Conditions is to have effect (as may be‬‬ ‫اﻋﺘﺮاﺿﻪ وﻋﺪم ﻗﺒﻮﻟـــﻪ ﻓﻠﻪ ﺣﻖ إﻧﻬﺎء اﻟﺒﻄﺎﻗﺔ‪.‬‬
‫‪specified in the Bank’s notice) will constitute acceptance‬‬
‫‪without reservation by the Cardholder of such change.‬‬
‫‪However, in case of his objection or non-acceptance, the‬‬
‫‪Cardholder has the right to terminate the Card.‬‬

‫‪13.‬‬ ‫‪International Transactions‬‬ ‫اﻟﻌﻤﻠﻴﺎت اﻟﺪوﻟﻴﺔ‬ ‫‪.13‬‬

‫‪All international transactions on Credit Cards, regardless of‬‬ ‫ﺟﻤﻴـــﻊ اﻟﻌﻤﻠﻴـــﺎت اﻟﺪوﻟﻴﺔ اﻟﺘﻲ ﺗﺘﻢ ﻋﻠـــﻰ اﻟﺒﻄﺎﻗﺔ اﻻﺋﺘﻤﺎﻧﻴـــﺔ ﺑﻐﺾ اﻟﻨﻈﺮ‬
‫‪whether the customer elects to pay in SAR or a foreign currency‬‬ ‫ﻋﻤـــﺎ إذا ﻛﺎن اﻟﻌﻤﻴـــﻞ ﻳﺨﺘـــﺎر اﻟﺪﻓـــﻊ ﺑﺎﻟﺮﻳـــﺎل اﻟﺴـــﻌﻮدي أو ﺑﻌﻤﻠـــﺔ أﺟﻨﺒﻴﺔ‬
‫‪will result in the application of an International Transaction Fee‬‬ ‫ﺳـــﺘﺆدي إﻟﻰ ﺗﻄﺒﻴـــﻖ ﻫﺎﻣﺶ رﺑﺢ اﻟﻌﻤﻠﻴﺎت اﻟﺪوﻟﻴـــﺔ اﻟﻤﺤﺪدة ﻓﻲ ﺟﺪول‬
‫‪defined in the SAB Credit Card Fees schedule of these terms and‬‬ ‫رﺳـــﻮم ﺑﻄﺎﻗـــﺔ اﻷول اﻻﺋﺘﻤﺎﻧﻴـــﺔ ﻟﻬـــﺬه اﻟﺸـــﺮوط واﻷﺣـــﻜﺎم ﺑﻘﻴﻤـــﺔ ﻛﻞ‬
‫‪conditions of the value of each transaction. Moreover, the forex‬‬ ‫ﻋﻤﻠﻴـــﺔ‪ .‬ﻋﻼوة ﻋﻠـــﻰ ذﻟﻚ‪ ،‬ﻓﺈن ﻣﻌﺪل ﺗﺤﻮﻳﻞ اﻟﻌﻤﻼت اﻷﺟﻨﺒﻴﺔ ﺳـــﻴﺨﺘﻠﻒ‬
‫‪conversion rate will differ between when the customer elects to‬‬ ‫ﺑﻴـــﻦ اﻟﻌﻤﻠﻴـــﺔ اﻟﺬي ﻳﺨﺘﺎر ﻓﻴـــﻪ اﻟﻌﻤﻴﻞ اﻟﺪﻓـــﻊ ﺑﺎﻟﻌﻤﻠﺔ اﻷﺟﻨﺒﻴـــﺔ ﻟﻠﻤﻌﺎﻣﻠﺔ‬
‫‪pay in the foreign currency of the transaction (the conversion is‬‬ ‫)ﻳﺘـــﻢ اﻟﺘﺤﻮﻳﻞ ﺑﺎﻟﺴـــﻌﺮ اﻟﺴـــﺎﺋﺪ ﻟـــﺪى ﻓﻴﺰا‪/‬ﻣﺎﺳـــﺘﺮﻛﺎرد ﻓﻲ ذﻟـــﻚ اﻟﻮﻗﺖ(‬
‫)‪effected at the rate prevailing by Visa/Mastercard at the time‬‬ ‫ﻣﻘﺎﺑـــﻞ اﻟﻌﻤﻠﻴـــﺔ اﻟﺬي ﻳﺨﺘـــﺎر ﻓﻴﻪ اﻟﻌﻤﻴـــﻞ اﻟﺪﻓﻊ ﺑﺎﻟﺮﻳﺎل اﻟﺴـــﻌﻮدي )ﻳﺘﻢ‬
‫‪versus when the customer elects to pay in SAR (the conversion‬‬ ‫اﻟﺘﺤﻮﻳﻞ ﺑﺎﻟﺴـــﻌﺮ اﻟﺬي ﻳﻄﺒﻘﻪ ﺑﻨﻚ اﻟﺘﺎﺟﺮ(‪.‬‬
‫‪is effected at the rate applied by the Merchant’s bank).‬‬
‫‪The following schedule provides an example of the aforesaid in the‬‬ ‫ﻣﺜـــﺎﻻ ﻋﻠﻰ ﻣﺎ ﺳـــﺒﻖ ﻓـــﻲ ﺣﺎﻟـــﺔ ﻣﻌﺎﻣﻠﺔ ﺑﻤﺒﻠـــﻎ ‪ 100‬دوﻻر‬
‫ً‬ ‫وﻳﻘـــﺪم اﻟﺠـــﺪول اﻟﺘﺎﻟـــﻲ‬
‫‪case of a transaction in the amount of 100 USD at a foreign point of‬‬ ‫أﻣﺮﻳﻜﻲ ﻣﻦ ﺗﺎﺟﺮ أﺟﻨﺒﻲ ﺳـــﻮاء ﻓﻲ ﻧﻘﻄﺔ ﺑﻴﻊ )‪ (PoS‬أو ﺑﺎﻟﺸـــﺮاء ﻋﺒﺮ اﻹﻧﺘﺮﻧﺖ‪:‬‬
‫‪sale (PoS) or a foreign online vendor:‬‬

‫اﻟﺸﺮاء ﺑﻌﻤﻠﺔ اﻟﺪوﻻر‬ ‫اﻟﺸﺮاء ﺑﻌﻤﻠﺔ اﻟﺮﻳﺎل‬

‫‪Paid in SAR‬‬ ‫‪Paid in USD‬‬
‫اﻻﻣﺮﻳﻜﻲ ﻋﻦ ﻃﺮﻳﻖ‬ ‫اﻟﺴﻌﻮدي ﻋﻦ ﻃﺮﻳﻖ‬
‫‪at POS/Online‬‬ ‫‪at POS/ Online‬‬ ‫ﻧﻘﺎط اﻟﺒﻴﻊ أو ﻋﺒﺮ اﻻﻧﺘﺮﻧﺖ‬ ‫ﻧﻘﺎط اﻟﺒﻴﻊ أو ﻋﺒﺮ اﻻﻧﺘﺮﻧﺖ‬
‫‪Purchase Amount‬‬
‫‪100 USD‬‬ ‫‪100 USD‬‬ ‫‪USD 100‬‬ ‫‪USD 100‬‬ ‫ﻣﺒﻠﻎ اﻟﺸﺮاء ﺑﻌﻤﻠﻴﺔ دوﻟﻴﺔ‬
‫‪international transaction‬‬
‫‪Customer selects‬‬ ‫ﻳﻘﻮم اﻟﻌﻤﻴﻞ ﺑﺎﺧﺘﻴﺎر اﻟﻌﻤﻠﺔ اﻟﺘﻲ‬
‫‪the currency to pay at‬‬ ‫‪390 SAR‬‬ ‫‪100 USD‬‬ ‫‪USD 100‬‬ ‫‪ 390‬رﻳﺎل ﺳﻌﻮدي‬ ‫ﻳﺮﻏﺐ اﻟﺪﻓﻊ ﺑﻬﺎ ﻋﻨﺪ ﻧﻘﻄﺔ‬
‫‪POS / online‬‬ ‫اﻟﺒﻴﻊ ‪ /‬ﻋﺒﺮ اﻹﻧﺘﺮﻧﺖ‬
‫‪3.90‬‬ ‫‪3.75‬‬ ‫‪3.75‬‬ ‫‪3.90‬‬
‫* ‪Forex Conversion Rate‬‬ ‫ﺳﻌﺮ اﻟﺼﺮف ﻟﻠﻌﻤﻠﺔ اﻷﺟﻨﺒﻴﺔ‬
‫)‪(Acquirer Bank/Merchant‬‬ ‫)‪(Visa/Mastercard‬‬ ‫)ﻓﻴﺰا ‪ /‬ﻣﺎﺳﺘﺮﻛﺎرد(‬ ‫)ﺑﻨﻚ اﻟﺘﺎﺟﺮ ‪ /‬اﻟﺘﺎﺟﺮ(‬
‫ﻣﺒﻠﻎ رﺳﻮم اﻟﻌﻤﻠﻴﺔ اﻟﺪوﻟﻴﺔ ﺑﻨﺴﺒﺔ‬
‫‪International Transaction‬‬
‫‪12.09 SAR‬‬ ‫‪11.63 SAR‬‬ ‫‪ 11.63‬رﻳﺎل ﺳﻌﻮدي‬ ‫‪ 12.09‬رﻳﺎل ﺳﻌﻮدي‬ ‫‪ 3.10%‬اﻟﻤﺤﺘﺴﺒﺔ ﻋﻠﻰ ﺗﺤﻮﻳﻞ‬
‫‪Fee of 3.10% of the‬‬
‫ﻣﺒﻠﻎ ‪ 100‬دوﻻر أﻣﺮﻳﻜﻲ ﻣﺘﻀﻤﻨﺔ‬
‫‪USD 100 including VAT‬‬
‫ﺿﺮﻳﺒﺔ اﻟﻘﻴﻤﺔ اﻟﻤﻀﺎﻓﺔ‬
‫‪Converted SAR Amount‬‬ ‫‪390.00 SAR‬‬ ‫‪375.00 SAR‬‬ ‫‪ 375.00‬رﻳﺎل ﺳﻌﻮدي‬ ‫‪ 390.00‬رﻳﺎل ﺳﻌﻮدي‬ ‫ﻣﺒﻠﻎ اﻟﺘﺤﻮﻳﻞ ﺑﺎﻟﺮﻳﺎل اﻟﺴﻌﻮدي‬

‫‪Final Amount charged to‬‬ ‫اﻟﻤﺒﻠﻎ اﻟﻨﻬﺎﺋﻲ اﻟﺬي ﻳﺘﻢ اﺣﺘﺴﺎﺑﻪ‬

‫‪customer on Credit Card‬‬ ‫‪402.09 SAR‬‬ ‫‪386.63 SAR‬‬ ‫‪ 386.63‬رﻳﺎل ﺳﻌﻮدي‬ ‫‪ 402.09‬رﻳﺎل ﺳﻌﻮدي‬
‫ﻋﻠﻰ اﻟﻌﻤﻴﻞ ﻓﻲ اﻟﺒﻄﺎﻗﺔ اﻻﺋﺘﻤﺎﻧﻴﺔ‬
‫‪Statement‬‬

‫‪* This is an example to illustrate the method of currency conversion‬‬ ‫* ﻫـــﺬا ﻣﺜﺎل ﻟﺘﻮﺿﻴﺢ ﻃﺮﻳﻘﺔ ﺗﺤﻮﻳﻞ اﻟﻌﻤﻠﺔ وﻟﻴﺲ ﺳـــﻌﺮ اﻟﺼﺮف اﻟﻔﻌﻠﻲ‬
‫‪and not the actual exchange rate.‬‬
‫‪Currency Conversion charges as defined in SAB Credit Card Fees‬‬ ‫ﺳـــﻌﺮ اﻟﺼﺮف ورﺳـــﻮم اﻟﻌﻤﻠﻴﺎت اﻟﺪوﻟﻴﺔ ﻛﻤﺎ ﻫﻲ ﻣﺤﺪدة ﻓﻲ ﺟﺪول رﺳـــﻮم ﺑﻄﺎﻗﺔ‬
‫‪schedule of these terms and conditions, such rate and charge may be‬‬ ‫اﻷول اﻻﺋﺘﻤﺎﻧﻴﺔ ﻟﻬﺬه اﻟﺸـــﺮوط واﻷﺣﻜﺎم‪ ،‬وﻗﺪ ﻳﺨﻀﻊ ﻫﺬا اﻟﺴـــﻌﺮ واﻟﺮﺳـــﻮم ﻟﻠﺘﻐﻴﻴﺮ‬
‫‪subject to change to account for the prevailing VAT as determined by‬‬ ‫ً‬
‫أﺧـــﺬا ﺑﺎﻻﻋﺘﺒـــﺎر ﺿﺮﻳﺒـــﺔ اﻟﻘﻴﻤـــﺔ اﻟﻤﻀﺎﻓـــﺔ اﻟﺴـــﺎﺋﺪة ﻛﻤـــﺎ ﺗﺤﺪدﻫـــﺎ اﻟﻤﻤﻠﻜـــﺔ اﻟﻌﺮﺑﻴﺔ‬
‫‪the relevant competent authorities from time to time.‬‬ ‫اﻟﺴﻌﻮدﻳﺔ ﻣﻦ وﻗﺖ ﻵﺧﺮ‪.‬‬

‫‪Note:‬‬ ‫ﻣﻼﺣﻈﺔ‪:‬‬
‫‪Any amount paid using a Credit Card in a foreign currency is first converted‬‬ ‫أوﻻ‬
‫ً‬ ‫أي ﻣﺒﻠـــﻎ ﻳﺘـــﻢ دﻓﻌﻪ ﺑﺎﺳـــﺘﺨﺪام اﻟﺒﻄﺎﻗـــﺔ اﻻﺋﺘﻤﺎﻧﻴـــﺔ ﺑﻌﻤﻠﺔ أﺟﻨﺒﻴﺔ ﻳﺘـــﻢ ﺗﺤﻮﻳﻠﻪ‬
‫‪to US dollars and then converted into Saudi Riyals. The conversions from‬‬ ‫إﻟـــﻰ اﻟﺪوﻻر اﻷﻣﺮﻳﻜﻲ وﻣـــﻦ ﺛﻢ ﺗﺤﻮﻳﻠﻪ إﻟﻰ اﻟﺮﻳﺎل اﻟﺴـــﻌﻮدي‪ .‬ﻳﺘﻢ إﺟﺮاء اﻟﺘﺤﻮﻳﻼت‬
‫‪foreign currencies to Saudi Riyals are carried out by the respective‬‬ ‫ﻣـــﻦ اﻟﻌـــﻤﻼت اﻷﺟﻨﺒﻴﺔ إﻟـــﻰ اﻟﺮﻳﺎل اﻟﺴـــﻌﻮدي ﻣـــﻦ ﺧﻼل اﻷﻧﻈﻤـــﺔ اﻟﻤﻌﻨﻴـــﺔ )ﻓﻴﺰا‬
‫)‪schemes (Visa and Mastercard®) and are subject to their prevailing rate(s‬‬ ‫وﻣﺎﺳـــﺘﺮﻛﺎرد ( وﺗﺨﻀﻊ ﻟﺴـــﻌﺮ )أﺳـــﻌﺎر( اﻟﻴﻮم اﻟﺴـــﺎﺋﺪ ﻛﻤﺎ ﻫﻮ ﻣﻨﺸـــﻮر ﻣﻦ ﻗﺒﻠﻬﻢ‪.‬‬
‫‪of day as published by them. The International Transaction Fee will be‬‬ ‫ﺳـــﻴﺘﻢ ﺗﻄﺒﻴﻖ رﺳـــﻮم اﻟﻌﻤﻠﻴﺎت اﻟﺪوﻟﻴﺔ ﺣﺘﻰ ﻟﻮ ﺗﻢ اﻟﺪﻓﻊ ﺑﺎﻟﺮﻳﺎل اﻟﺴـــﻌﻮدي ﻃﺎﻟﻤﺎ‬
‫‪applied even if the payment was made in Saudi Riyals as long as the‬‬ ‫ﺗـــﻢ ﺗﻨﻔﻴـــﺬ اﻟﻌﻤﻠﻴـــﺔ ﻣـــﻦ ﻗﺒﻞ ﺑﺎﺋﻊ دوﻟـــﻲ )ﻋﺒﺮ اﻹﻧﺘﺮﻧـــﺖ أو ﻧﻘﻄﺔ اﻟﺒﻴﻊ( ﺑﺎﺳـــﺘﺨﺪام‬
‫‪transaction was carried out by an international vendor (online or PoS) using‬‬ ‫اﻟﺒﻄﺎﻗﺔ اﻻﺋﺘﻤﺎﻧﻴﺔ‪ .‬ﺳـــﺘﺨﻀﻊ أي ﻋﻤﻠﻴﺔ ﻣﻌﻜﻮﺳـــﺔ ﻷﺳﻌﺎر ﺻﺮف اﻟﻌﻤﻼت اﻟﺴﺎﺋﺪة‬
‫‪a Credit Card. Any reversed transaction will be subject to SAB’s prevailing‬‬ ‫ﻟﺪى اﻷول ﻓﻲ وﻗﺖ ﻋﻜﺴـــﻬﺎ‪ ،‬وﺑﺎﻟﺘﺎﻟﻲ‪ ،‬ﻓﺈن أي ﺧﺴـــﺎﺋﺮ أو أرﺑﺎح ﻓﻲ أﺳـــﻌﺎر ﺻﺮف‬
‫‪currency exchange rates at the time of its reversal, therefore, any currency‬‬ ‫اﻟﻌﻤﻼت ﺗﻨﺸـــﺄ ﻋـــﻦ اﻟﻌﻤﻠﻴﺔ اﻟﻤﻌﻜﻮﺳـــﺔ‪ ،‬ﻳﺠﺐ أن ﻳﺘـــﻢ ﺗﺤﻤﻠﻬﺎ أو اﺣﺘﺴـــﺎﺑﻬﺎ ﻟﺼﺎﻟﺢ‬
‫‪exchange rate losses or gains arising from transaction reversed, shall be‬‬ ‫ا ﻟﻌﻤﻴﻞ ‪.‬‬
‫‪borne or counted to the favor of the customer.‬‬

‫‪Page 14 - 16‬‬
Illustrative example for computation of Tawarruq Profit (TP) ‫رﺳـــﻢ ﺗﻮﺿﻴﺤﻲ ﻟﻌﻤﻠﻴﺔ اﺣﺘﺴﺎب أرﺑﺎح اﻟﺘﻮرق‬
For example: :‫ﻣﺜﺎل‬
You purchased an airline ticket for SAR 1,000 on 20 March. Your ‫ ﻣﺎرس وﺗﺎرﻳﺦ إﺻﺪار اﻟﻜﺸﻒ‬20 ‫ رﻳﺎل ﺳـــﻌﻮدي ﻳﻮم‬1,000 ‫اﺷـــﺘﺮﻳﺖ ﺗﺬﻛﺮة ﻃﻴﺮان ﺑـ‬
statement generation date is 31 March and your payment due date is ‫ إﺑﺮﻳـــﻞ ﺣﻴﺚ ﻗﻤﺖ‬25 ‫ ﻣﺎرس ﺑﻴﻨﻤـــﺎ ﺗﺎرﻳﺦ اﺳـــﺘﺤﻘﺎق اﻟﺪﻓﻊ ﻫﻮ‬31 ‫اﻟﺨـــﺎص ﺑـــﻚ ﻓــــﻲ‬
25 April, on which date you made the minimum %5 payment (or SAR .(‫ رﻳﺎل أﻳﻬﻤﺎ أﻋﻠﻰ‬100 ‫ )أو‬%5 ‫ﺑﺘﺴـــﺪﻳﺪ اﻟﺤﺪ اﻷدﻧﻰ‬
100, whichever is higher).

The following Tawarruq profit will appear on your next statement: :‫أرﺑﺎح اﻟﺘﻮرق اﻟﺘﺎﻟﻴﺔ ﺳـــﺘﻈﻬﺮ ﻓــــﻲ ﻛﺸﻒ ﺣﺴﺎﺑﻚ اﻟﺘﺎﻟﻲ‬

Outstanding amount due on the statement of 31 March* SAR 1000 ‫ رﻳﺎل ﺳﻌﻮدي‬1000 *‫ ﻣﺎرس‬31 ‫اﻟﻤﺒﻠﻎ اﻟﻤﺴﺘﺤﻖ ﻓﻲ‬

Payment made on the due date of 25 April SAR 100 ‫ رﻳﺎل ﺳﻌﻮدي‬100 ‫ إﺑﺮﻳﻞ‬25 ‫اﻟﻤﺒﻠﻎ اﻟﻤﺪﻓﻮع ﻓﻲ ﺗﺎرﻳﺦ اﻻﺳﺘﺤﻘﺎق‬

Balance carried forward (revolved) – (A) SAR 900 ‫ رﻳﺎل ﺳﻌﻮدي‬900 (‫اﻟﺮﺻﻴﺪ اﻟﻤﺮﺣﻞ )اﻟﻤﺪور( – )أ‬

Tawarruq Profit (TP) Calculation (2.39% pm - APR 28.68%) ** ** (‫ ﻓﻲ اﻟﺴﻨﺔ‬28.68% - ‫ ﻓﻲ اﻟﺸﻬﺮ‬2.39%) ‫اﺣﺘﺴﺎب أرﺑﺎح اﻟﺘﻮرق‬

Tawarruq transaction of SAR 900 for thirty days (B) SAR 21.22 ‫ رﻳﺎل ﺳﻌﻮدي‬21.22 ً
(‫ﻳﻮﻣﺎ )ب‬ 30 ‫ رﻳﺎل ﻟﻤﺪة‬900 ‫ﻋﻤﻠﻴﺔ اﻟﺘﻮرق ﻟﻠﻤﺒﻠﻎ‬

Total Amount Outstanding as of 30 April *** (A) + (B) SAR 921.22 ‫ رﻳﺎل ﺳﻌﻮدي‬921.22 (‫ )ب‬+ (‫ إﺑﺮﻳﻞ *** )أ‬30 ‫إﺟﻤﺎﻟﻲ اﻟﻤﺒﻠﻎ اﻟﻤﺴﺘﺤﻖ ﻓﻲ‬

* Assuming no amount outstanding has been carried forward from .‫ﺑﺎﻓﺘﺮاض ﻋﺪم وﺟﻮد رﺻﻴﺪ آﺧﺮ ﻣﺮﺣﻞ ﻣﻦ اﻟﺸـــﻬﻮر اﻟﺴـــﺎﺑﻘﺔ‬ *
previous months.
** For illustrative purposes only. For product-specific APRs, please ‫ ﺑﺎﻟﺘﻔﺼﻴﻞ ﻳﺮﺟﻰ‬APRs ‫ وﻟﻠﺤﺼﻮل ﻋﻠﻰ ﻣﻌﻠﻮﻣﺎت اﻟﻤﻨﺘﺞ‬،‫** ﺑﻐـــﺮض اﻟﺘﻮﺿﻴـــﺢ ﻓﻘﻂ‬
refer to the Bank tariff. .‫اﻟﺮﺟﻮع إﻟﻰ ﺻﻔﺤﺔ اﻟﺮﺳﻮم‬
*** Assuming no other transaction has been performed during April. .‫*** ﺑﺎﻓﺘﺮاض ﻋﺪم وﺟﻮد أي ﻋﻤﻠﻴﺔ ﺗﻤﺖ ﺧﻼل ﺷـــﻬﺮ إﺑﺮﻳﻞ‬

Page 15 - 16
 SAB Credit Card Fees ‫رﺳﻮم ﺑﻄﺎﻗﺎت اﻷول اﻹﺋﺘﻤﺎﻧﻴﺔ‬
‫ﺑﻄﺎﻗﺔ اﻷول اﻟﻔﺮﺳﺎن‬ ‫ﺑﻄﺎﻗﺔ اﻷول اﻟﺒﻼﺗﻴﻨﻴﺔ‬ ‫ﺑﻄﺎﻗﺔ اﻷول ﻟﻼﺳﺘﺮداد‬
‫ﺑﻄﺎﻗﺔ اﻷول ﺳﻴﺠﻨﺘﺸﺮ‬ ‫ﺑﻄﺎﻗﺔ اﻷول اﻹﻣﺎرات‬ ‫ﺑﻄﺎﻗﺔ أدﻓﺎﻧﺲ‬ ‫ﺑﻄﺎﻗﺔ ﺑﺮﻳﻤﻴﻴﺮ‬ ‫ﻧﻮع اﻟﺒﻄﺎﻗﺔ‬
‫ﺑﻼك وورﻟﺪ إﻟﻴﺖ‬ (‫ ﻣﺎﺳﺘﺮﻛﺎرد‬/ ‫اﻻﺋﺘﻤﺎﻧﻴﺔ )ﻓﻴﺰا‬ ‫اﻟﻨﻘﺪي اﻟﺒﻼﺗﻴﻨﻴﺔ‬
‫ﻣﺎﺳﺘﺮﻛﺎرد اﻻﺋﺘﻤﺎﻧﻴﺔ‬ ‫ﻓﻴﺰا اﻻﺋﺘﻤﺎﻧﻴﺔ‬ ‫إﻧﻔﻨﻴﺖ ﻓﻴﺰا اﻻﺋﺘﻤﺎﻧﻴﺔ‬ ‫ﻓﻴﺰا اﻻﺋﺘﻤﺎﻧﻴﺔ‬ ‫ﻣﺎﺳﺘﺮﻛﺎرد اﻻﺋﺘﻤﺎﻧﻴﺔ‬ Card Type
SAB ALFURSAN Black
SAB Platinum SAB Signature Visa SAB Emirates Infinite SAB Cashback Advance Visa Premier Mastercard ‫اﻟﺮﺳﻮم‬
Card World Elite Credit Card Platinum Fees
Credit Card Visa Credit Card Credit Card Credit Card
Mastercard Credit Card (Visa / Mastercard) Credit Card
ً
‫ﻣﺠﺎﻧﺎ‬ ً
‫ﻣﺠﺎﻧﺎ‬ ً
‫ﻣﺠﺎﻧﺎ‬ (‫اﻟﺮﺳﻮم اﻟﺴﻨﻮﻳﺔ* )رﻳﺎل‬
1950 400 475 750
Free Free Free Annual Fee* (SAR)
*‫ﻣﻌﺪل اﻟﻨﺴﺒﺔ اﻟﺸﻬﺮﻳﺔ‬
3% 3.25 % 3% 3% 3.25 % 3% 2.39 %
Monthly Percentage Rate*
**‫ﻣﻌﺪل اﻟﻨﺴﺒﺔ اﻟﺴﻨﻮﻳﺔ‬
66.17 % 58.14 % 55.39 % 61.66 % 48.81 % 44.38 % 34.09 %
Annual Percentage Rate**(APR)
*‫رﺳﻮم اﻟﻌﻤﻠﻴﺎت اﻟﺪوﻟﻴﺔ‬
2.00 % 2.00 % 2.00 % 2.00 % 2.00 % 2.00 % 2.00 %
International Transaction Fee*

‫ رﺳﻮم اﻟﺘﺤﻮﻳﻞ ﻣﻦ‬/ ‫رﺳﻮم اﻟﺴﺤﺐ اﻟﻨﻘﺪي‬

‫ وأﻛﺜﺮ‬2500 ‫ رﻳﺎل ﺳﻌﻮدي ﻟﻠﻌﻤﻠﻴﺎت اﻟﺘﻲ ﺗﺒﻠﻎ‬75 ‫ وﺑﺤﺪ أﻗﺼﻰ‬،‫ رﻳﺎل ﺳﻌﻮدي‬2500 ‫ ﻣﻦ اﻟﻤﺒﻠﻎ ﻟﻠﻌﻤﻠﻴﺎت اﻟﺘﻲ ﺗﻘﻞ ﻋﻦ‬% 3 *‫ﺣﺴﺎب اﻟﺒﻄﺎﻗﺔ اﻟﻰ اﻟﺤﺴﺎب اﻟﺠﺎري‬
3 % for transaction amount below SAR 2,500 with a maximum limit of SAR 75 for transactions equal to or above SAR 2500 Cash Advance Fee / Transfer from Card
to Account Fees*

(‫ﻏﺮاﻣﺔ ﺗﺄﺧﻴﺮ اﻟﺴﺪاد* )رﻳﺎل‬

50 50 50 50 50 50 50
Late Payment Penalty Charges* (SAR)
(‫اﻻﺳﺘﺒﺪال ﻓﻲ ﺣﺎﻟﺔ اﻟﺴﺮﻗﺔ أو ﻓﻘﺪان اﻟﺒﻄﺎﻗﺔ* )رﻳﺎل‬
15 15 15 15 15 15 15
Lost / Stolen Card Replacement * (SAR)
ً
‫ﻣﺠﺎﻧﺎ‬ (‫رﺳﻮم إرﺳﺎل اﻟﺒﻄﺎﻗﺔ ﻟﺨﺎرج اﻟﻤﻤﻠﻜﺔ* )رﻳﺎل‬
100 100 100 100 100 100
Free Sending the Card Overseas Fee* (SAR)
(‫رﺳﻮم اﻻﻋﺘﺮاض اﻟﺨﺎﻃﺊ* )رﻳﺎل‬
25 25 25 25 25 25 25
Invalid Dispute Fee* (SAR)

* Charges are subject to Value Added Tax (VAT), which will be added to the above charges. .‫ ﺳﻴﺘﻢ إﺿﺎﻓﺔ ﺿﺮﻳﺒﺔ اﻟﻘﻴﻤﺔ اﻟﻤﻀﺎﻓﺔ ﻋﻠﻰ اﻟﺮﺳﻮم أﻋﻼه‬،‫اﻟﺮﺳﻮم ﺧﺎﺿﻌﺔ ﻟﻀﺮﻳﺒﺔ اﻟﻘﻴﻤﺔ اﻟﻤﻀﺎﻓﺔ‬ *
** Annual Percentage Rate has been calculated based on credit limit utilized of SAR 10,000 and VAT. ً
.‫ ﺷﺎﻣﻞ ﻟﻀﺮﻳﺒﺔ اﻟﻘﻴﻤﺔ اﻟﻤﻀﺎﻓﺔ‬،‫ رﻳﺎل‬10,000 ‫ﺑﻨﺎءا ﻋﻠﻰ ﺣﺪ اﻻﺋﺘﻤﺎن اﻟﻤﺴﺘﺨﺪم‬ ‫** ﺗﻢ اﺣﺘﺴﺎب ﻣﻌﺪل اﻟﻨﺴﺒﺔ اﻟﺴﻨﻮﻳﺔ‬

Major Provisions of the Credit Card Agreement ‫أﺑﺮز أﺣﻜﺎم اﺗﻔﺎﻗﻴﺔ اﻟﺒﻄﺎﻗﺔ اﻹﺋﺘﻤﺎﻧﻴﺔ‬
Article Page ‫اﻟﺼﻔﺤﺔ‬ ‫اﻟﻤﺎدة أو اﻟﺒﻨﺪ‬
Consequences of international transactions 13 13 13 13 ‫اﻵﺛﺎر اﻟﻤﺘﺮﺗﺒﺔ ﻋﻠﻰ اﻟﻌﻤﻠﻴﺎت اﻟﺪوﻟﻴﺔ‬

Consequences of payment of the Minimum Amount Due 6 6 6 6 ‫اﻵﺛﺎر اﻟﻤﺘﺮﺗﺒﺔ ﻋﻠﻰ ﺳﺪاد ﻣﺒﻠﻎ اﻟﺤﺪ اﻷدﻧﻰ ﻟﻠﻤﺒﻠﻎ اﻟﻤﺴﺘﺤﻖ‬

Dispute Fee* (SAR) Consequence of payment default (grace period of 20 days) 6.11 7 7 6.11 (‫ ﻳﻮم‬20 ‫اﻵﺛﺎر اﻟﻤﺘﺮﺗﺒﺔ ﻧﺘﻴﺠﺔ اﻟﺘﻌﺜﺮ ﻓﻲ اﻟﺴﺪاد )ﻓﺘﺮة ﺳﻤﺎح ﻟﻤﺪة‬

Consequences of cash withdrawals 12.2 13 13 12.2 ‫اﻵﺛﺎر اﻟﻤﺘﺮﺗﺒﺔ ﻋﻠﻰ اﻟﺴﺤﻮﺑﺎت اﻟﻨﻘﺪﻳﺔ‬

Consequences of cash transfers 12 12 12 12 ‫اﻵﺛﺎر اﻟﻤﺘﺮﺗﺒﺔ ﻋﻠﻰ اﻟﺘﺤﻮﻳﻼت اﻟﻨﻘﺪﻳﺔ‬

Account Statement errors / disputed transactions 6.8 7 7 6.8 ‫اﻟﻌﻤﻠﻴﺎت اﻟﺨﺎﻃﺌﺔ أو اﻟﻤﺘﻨﺎزع ﻋﻠﻴﻬﺎ ﻓﻲ ﻛﺸﻒ اﻟﺤﺴﺎب‬

Credit Card Features www.sab.com ‫اﻟﺮﺟﺎء زﻳﺎرة اﻟﻤﻮﻗﻊ اﻹﻟﻜﺘﺮوﻧﻲ‬ ‫ﻣﻤﻴﺰات ﺑﻄﺎﻗﺔ اﻻﺋﺘﻤﺎن‬
Please visit the website www.sab.com

Cardholder Signature ‫ﺗﻮﻗﻴﻊ ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ‬ Stamp and Authorised ‫ﺗﻮﻗﻴﻊ اﻟﺸﺨﺺ اﻟﻤﻔﻮض‬
acknowledging ‫ﺑﺎﻹﻃﻼع ﻋﻠﻰ اﻟﺮﺳﻮم‬ Signatory of the issuer ‫اﻟﻤﺼﺪرة واﻟﺨﺘﻢ‬
ُ ‫ﻟﻠﺠﻬﺔ‬
the above ‫واﻷﺣﻜﺎم أﻋﻼه‬
fees provisions

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