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Business World Credit Card offer businesses tailored financial solutions and full set of services and features to help in managing their expenses efficiently. With Business World Credit Card companies can control their employees' travel, entertainment expenses and overall company payment needs effectively.
 

You have the choice to issue Business World Credit Card as a charge card with 100% Monthly Payment or a credit card with the flexibility of 5% monthly payment.

3D Secure:

You can now avail of SAB new Secure Online Payment Service for performing online transactions*. SAB 'Mastercard® SecureCodeTM for your SAB MasterCard credit cards. It provides you with the extra security and peace of mind when you shop online with your SAB credit card**.

Learn more

Flexibility at your fingertips

SAB Business Card is the most convenient way to pay and control your everyday business expenses.:

  • SAB Mastercard® Business Card is accepted at over 20 million establishments in the Kingdom and worldwide
  • Use it to pay for anything from travel, hotels and dining to office supplies, equipment and everyday expenses
  • Keep your business and personal expense separate
  • Set a credit limit for each card issued
  • Reduces the number of cheques you need to write
Smart Data OnLine (SDOL)

Smart Data OnLine (SDOL) is Mastercard internet-based management information solution used by thousands of companies around the world. Based on a design that allows for individual configuration, SDOL can be easily adapted to suit the needs of your company. SDOL offers so much more than just the above mentioned features and benefits. To avail this service, please contact your SAB relationship officer.

Features and Benefits of SAB Business Card:
  • Enjoy complimentary lounge access to over 1300 airport lounges in over 135 countries as part of the Dragon Pass airport lounges network using the Mastercard Travel Pass application.
  • Enjoy special offers from over 300 global and local merchants with Easy Savings Specials enabling SMEs to grow their businesses.
  • Receive 30% discount on software subscriptions through Mastercard subscription management platform powered by Nuclei.
  • Explore IHG Hotels and Resorts when you pay with your Business Mastercard Credit Card and get 15% discount on ‘Best Available Rate’.
  • Get 15% off on car rentals with Hertz and automatic eligibility for Hertz Gold Plus rewards.
  • Get access to affordable car rental offers with Budget. With your Business Mastercard credit card , and enjoy up to 10% off your next car rental.
  • Get up to 7% wallet credit on your next stay when booking it on Booking.com
  • Enjoy 20% of on DHL for all of shipping services all year long. (Promo code: Mastercard20)
  • Enjoy an exclusive 10% discount when you book your preferred ride with Rentalcars.com
  • Enjoy up to 35% off at Avis and complimentary Avis President’s Club membership.
  • Get up to 4 complimentary food and/or drink items from Costa when traveling from an airport in Dubai with the Mastercard Travel Pass App
  • Cardholders enjoy up to 15% off on flight and hotel bookings made through Trip.com.
  • Cardholders receive a 12% discount on both Express Class and Business First tickets when travelling between London Paddington and Heathrow Airport (Promo code: Mcard12).
  • Book your ride with Careem with 20% discount on 5 rides per month (Promo code: MCWKSA20) and 2 airport transfers twice a year (Promo code: MKSAAIR)
  • Reduced international shipping rates through MyUS Premium membership allowing you to shop on e-commerce sites in the US
  • Enjoy 10% off on selected brands on Farfetch (Promo code: MCFF)
  • Credit card holder can benefit from purchase protection and extensive coverage for travel and medical insurance, as a card holder you can make your claims at Mastercard Peace of Mind portal
SAB Business Card Fees and Charges:

Your business today can apply for either a Charge SAB Business Card or SAB Business Credit Card

1-SAB Business Credit Card with 5% Monthly Payment:

Fees and Charges
 Annual Fees SAR 200 (free for the 1st year)
 Annual Percentage Rate 49.05%
Monthly Percentage Rate  3%
International Transactions Fees  2%
 Replacement fee for lost or stolen SAR 15
 Cash Withdraw 3% for transaction amount below SAR 2,500 with a maximum limit of SAR 75 for transactions equal to or above SAR 2500
 Late Payment Fees SAR 50
 Copy of Statement for more than 3 months  SAR 25
 Sending the card overseas fee  SAR 100
 Dispute Fee  SAR 25

Prices are exclusive of VAT

2-SAB Charge Business Card with 100% Monthly Payment:

 

Fees and Charges
 Annual Fees SAR 200 (free for the 1st year)
International Transactions Fees 2%
Replacement fee for lost or stolen SAR 15
Cash Withdraw 3% for transaction amount below SAR 2,500 with a maximum limit of SAR 75 for transactions equal to or above SAR 2500
Late Payment Fees SAR 50
Copy of Statement for more than 3 months SAR 25
Sending the card overseas fee  SAR 100
Dispute Fee  SAR 25

Prices are exclusive of VAT

Illustrative example for computation of Tawarruq Profit (TP):

You purchased an airline ticket for SAR 2,000 on 20 March. Your statement generation date is 31 March and your payment due date is 25 April, on which date you made the minimum 5% payment (or SAR 100). The following Tawarruq profit will appear on your next statement:

Outstanding amount due on the statement of 31 March * SAR 2,000 
 Payment Made on the due date of 25 April   SAR 100
 Balance Carried forward (revolved) – (A) SAR 1,900
 Tawarruq Profit (TP) Calculation (3% pm – APR 36%)**
Tawarruq transaction of SAR 1900 for thirty days (B)  SAR 57
 Total amount outstanding as of 30 April*** (A)+(B)  SAR 1,957

*Assuming no amount outstanding has been carried forward from previous months.

**For illustrative purposes only. For product-specific APRs (Annual Percentage Rate), please refer to the Bank tariff.

***Assuming no other transaction has been performed during April.

Exclusive Offers and Discounts:

Unlock savings with your SAB Business Mastercard with offers and benefits at more than 330 partners around the world and special local partners in KSA.

For more information: Easysavingsspecials.com

Corporate Liability insurance:

Corporate liability waiver insurance provides protection for companies against financial losses arising from unauthorized use of their corporate/ commercial cards. The insurance covers up to a maximum annual amount of SAR 92,500 per card issued/ per occurrence.

* Disclaimer

The benefit is provided solely by MasterCard and is subject to MasterCard’s applicable terms, conditions, and approval processes.

Customers are advised to refer to the official Mastercard documentation for further details, eligibility requirements, and claim procedures.

Freqntly Asked Questions

The company first must apply for opening a Business Card Account with SAB and SAB will be authorized to issue Business Cards to the employees of the company as per authorized person’s request.

 

Company Application:

  • Application Form
  • Terms & conditions
  • Initial Disclosure form
  • Commercial Registration
  • Owner's ID

 

Employee Application:

  • Application Form
  • Terms & Conditions
  • Initial Disclosure form
  • Copy of employee ID/Iqama

Yes, SAB Credit Cards are aligned with Sharia laws.

You can issue as many cards as your business needs without breaching your total credit limit.

You can activate your card simply through SAB SME contact center on 800 124 5666.

Yes, you can make any transaction type through your card either online or through POS.

Yes

Yes, & cash withdrawal limit is 30% of your card limit.

Yes, you can provision your card in Apple Pay and MADA Pay manually.

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© SAB, Saudi Arabia. All Rights Reserved, 2025

 

Saudi Awwal Bank, a listed joint stock company, incorporated in the Kingdom of Saudi Arabia, with paid in capital of SAR 20,547,945,220, commercial registration certificate 1010025779, unified number 7000018668, Mailing Address: P.O. Box 9084, Riyadh 11413. National Address: 7383 King Fahad Branch Rd, 2338 Al Yasmeen Dist., 13325 Riyadh, Kingdom of Saudi Arabia, Tel. +966 11 4050677, www.sab.com, licensed pursuant to the Council of Ministers Resolution No. 198 dated 06/02/1398H and Royal Decree No. M/4 dated 12/08/1398H, and regulated and supervised by the Saudi Central Bank.