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Annual Fee
SAR 1,035
Rewards Rate
1.65%
APR
31.20%
Income (Y1)
SAR 780
Lounges
Yes
Network
Visa
Monthly spend:
Fees
| Annual Fee | SAR 1,035 inc. VATFree for Diamond & Private Banking customers |
| Supplementary Card Fee | SAR 690 inc. VAT |
| FX Fee | 2% |
| Cash Advance Fee | 3% (max SAR 86) inc. VAT |
| Late Payment Fee | SAR 0 |
| Replacement Fee | SAR 17.25 inc. VAT |
| Monthly Profit Rate | 2.5% |
| APR | 31.20% |
| Grace Period | 25 days |
| Minimum Repayment | 5% (min SAR 200) |
Rewards & Benefits
Lounge Access
Program
Visa Airport Companion (1,200+ lounges)
Visits / Year
Unlimited
Guests
Not included
Also SmartDelay access for 1,300+ lounges when flight delayed 2+ hours.
Reward Rates
| Category | Points per 1 SAR | Points per 100 SAR | Value per 100 SAR | Cap |
|---|---|---|---|---|
| Domestic | 5 | 500.0 | SAR 1.65 | - |
| International | 6.5 | 650.0 | SAR 2.15 | - |
* Estimated point value in Mukafaat Points program: SAR 0.0033 (e-voucher) / SAR 0.0033 (cash)
Other Benefits
- Purchase protection
- Extended warranty
- Emergency card replacement
- 24/7 premium concierge
Welcome Bonus
Welcome Bonus Details
| Period | Bonus | Condition |
|---|---|---|
| Within 90 days | 250,000 Mukafaat points | Spend SAR 5,000 |
| Total | 250,000 Mukafaat points | ≈ SAR 825 |
* Estimated point value in Mukafaat Points program: SAR 0.0033 (e-voucher) / SAR 0.0033 (cash)
Annual Income
Annual Income Calculation
| Annual fee(inc. VAT) | - SAR 1,035 |
| Rewards for spending | + SAR 990 |
| Welcome bonus | + SAR 825 |
| Income (First Year) | + SAR 780 |
| Annual fee(inc. VAT) | - SAR 1,035 |
| Rewards for spending | + SAR 990 |
| Income (Second Year) | - SAR 45 |
Income = rewards − fee + welcome bonus. Values based on SAR 5,000/month.
Redemption
Mukafaat Albilad Redemption
Redemption Value
| Redemption Method | Value per 1,000 points |
|---|---|
| All redemption options | SAR 3.3 |
Redemption Partners
AlFursan (Saudia)Qatar AirwaysEtihad GuestBritish AirwaysHiltonIHGSouq.comEnjaz Cashback
Requirements
Application Requirements
| ID | Valid National ID or Iqama |
| Bank statement | In some cases |
| Salary certificate | From employer |
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