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Annual Fee
SAR 1,150
Rewards Rate
2.31%
APR
56.12%
Income (Y1)
SAR 1,226
Lounges
Yes
Network
Visa
Monthly spend:
Fees
| Annual Fee | SAR 1,150 inc. VATFree for 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 | 2.99% |
| APR | 56.12% |
| 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
Guests USD 32/visit.
Reward Rates
| Category | Points per 1 SAR | Points per 100 SAR | Value per 100 SAR | Cap |
|---|---|---|---|---|
| Domestic | 7 | 700.0 | SAR 2.31 | - |
| International | 9 | 900.0 | SAR 2.97 | - |
* Estimated point value in Travel Pass Points program: SAR 0.0033 (e-voucher) / SAR 0.0033 (cash)
Other Benefits
- Priority Pass membership
- Purchase protection
- Extended warranty
- Emergency card replacement
- 24/7 premium concierge
- Exclusive travel offers
Welcome Bonus
Welcome Bonus Details
| Period | Bonus |
|---|---|
| Welcome bonus | 300,000 Travel Pass points |
| Total | 300,000 Travel Pass points |
| ≈ SAR 990 | |
* Estimated point value in Travel Pass Points program: SAR 0.0033 (e-voucher) / SAR 0.0033 (cash)
Annual Income
Annual Income Calculation
| Annual fee(inc. VAT) | - SAR 1,150 |
| Rewards for spending | + SAR 1,386 |
| Welcome bonus | + SAR 990 |
| Income (First Year) | + SAR 1,226 |
| Annual fee(inc. VAT) | - SAR 1,150 |
| Rewards for spending | + SAR 1,386 |
| Income (Second Year) | + SAR 236 |
Income = rewards − fee + welcome bonus. Values based on SAR 5,000/month.
Redemption
Travel Pass Points Redemption
How to Redeem
Redeem points through the Albilad Travel Pass portal for flights and hotels with partner airlines including AlFursan, Accor, Qatar Airways, Etihad, and Turkish Airlines.
* Estimated point value in Travel Pass Points program: SAR 0.0033
Redemption Partners
AlFursan (Saudia)Qatar AirwaysEtihad GuestTurkish AirlinesGulf AirAir ArabiaEthiopian AirlinesAirAsiaAlmosaferShangri-LaRadissonAccor
Requirements
Application Requirements
| ID | Valid National ID or Iqama |
| Bank statement | In some cases |
| Salary certificate | From employer |
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