Sinder Legal Documents

All Sinder legal documents in one place — the Cardholder Agreement, Terms of Use, Privacy Policy, FX Fees Disclosure and the full set of regulatory, benefits, complaints and data-rights terms. Every document is published in full for cardholders and website visitors.

• Account Closure & Dormancy Terms — version 2.0.0, effective 2026-06-15.
• Sinder Travel Card - Benefits & Rewards Terms — version 2.0.0, effective 2026-06-15.
• Travel Card & Wallet Terms (Cardholder Agreement) — version 1.0.0, effective 2026-06-15.
• Complaints & Disputes Policy — version 1.0.0, effective 2026-06-15.
• Customer Consent & Data Sharing — version 1.0.0, effective 2026-06-15.
• Data Access Rights — version 1.0.0, effective 2026-06-15.
• Sinder FX & Fees Disclosure — version 2.0.0, effective 2026-06-15.
• Privacy Policy — version 1.0.0, effective 2026-06-15.
• Terms of Use / Customer Agreement — version 1.0.0, effective 2026-06-15.
• UAE PASS Data Use & Consents — version 1.0.0, effective 2026-06-15.
• Regulatory & Licensing Information — version 1.0.0, effective 2026-06-15.

Issued by ruya

These documents are hosted by ruya and open on ruya's website in a new tab.

• ruya Terms & Conditions — The banking terms and conditions from ruya, the regulated issuing bank for your Sinder Travel Card and account.
• ruya Fees & Charges — ruya's schedule of banking fees and charges that apply to the issued account behind your card.
• ruya Key Facts Statement — ruya's Key Facts Statement (English & Arabic, PDF) summarising the key features, fees and terms of the issued account.