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Annual Fee
SAR 345
Rewards Rate
2.03%
APR
34.00%
Income (Y1)
SAR 873
Lounges
Yes
Network
Visa
Monthly spend:
Fees
Limited-time offer
Free issuance and annual fees for primary card + first supplementary card (March 1–31, 2026).
Expires: 2026-03-31
| Annual Fee | Free SAR 345 inc. VAT |
| Supplementary Card Fee | SAR 345 inc. VAT |
| FX Fee | 2% |
| Cash Advance Fee | 3% (max SAR 86) inc. VAT |
| Replacement Fee | SAR 17.25 inc. VAT |
| Monthly Profit Rate | 1.9% |
| APR | 34.00% |
| Grace Period | 25 days |
| Minimum Repayment | 5% (min SAR 100) |
Rewards & Benefits
Lounge Access
Program
Visa Airport Companion (1,200+ lounges)
Visits / Year
Unlimited
Guests
1 guest free
Requires a cumulative USD 100 in international spending within the last 90 days.; otherwise 2 visits then USD 32/visit.
Reward Rates
| Category | Points per 1 SAR | Points per 100 SAR | Value per 100 SAR | Cap |
|---|---|---|---|---|
| Domestic | 6 | 600.0 | SAR 2.03 | - |
| International | 7 | 700.0 | SAR 2.37 | - |
* Estimated point value in Akthr Points program: SAR 0.00339 (e-voucher) / SAR 0.0017 (cash)
Other Benefits
- Competitive international rates
- Apple Pay and mada Pay compatible
- Supplementary cards for family
- Cash withdrawal up to 30% of limit
- Visa Infinite concierge service
Annual Income
Annual Income Calculation
| Annual fee(inc. VAT) | - SAR 345 |
| Rewards for spending | + SAR 1,218 |
| Income (First Year) | + SAR 873 |
| Annual fee(inc. VAT) | - SAR 345 |
| Rewards for spending | + SAR 1,218 |
| Income (Second Year) | + SAR 873 |
Income = rewards − fee + welcome bonus. Values based on SAR 5,000/month.
Redemption
Akthr Loyalty Program Redemption
Redemption Value
| Redemption Method | Value per 1,000 points |
|---|---|
| E-vouchers / Rewards marketplace | SAR 3.39 |
| Cash / Account credit | SAR 1.7 |
Redemption Partners
JarirTamimi MarketsSascoAlFursanflynasAccorResalShawarmerAl Manea
Requirements
Application Requirements
| ID | Valid National ID or Iqama |
| Bank statement | In some cases |
| Salary certificate | From employer |
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