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Annual Fee
SAR 132
Rewards Rate
0.40%
Income (Y1)
SAR 148
Network
Visa
Monthly spend:
Fees
| Annual Fee | SAR 132 inc. VAT |
| FX Fee | 2% |
| Cash Advance Fee | 3% (max SAR 86) inc. VAT |
| Replacement Fee | SAR 17 inc. VAT |
Rewards & Benefits
Reward Rates
| Category | Points per 1 SAR | Points per 100 SAR | Value per 100 SAR | Cap |
|---|---|---|---|---|
| Domestic | 1 | 100.0 | SAR 0.40 | - |
| International | 2 | 200.0 | SAR 0.80 | - |
* Estimated point value in Mokafaa Points program: SAR 0.004 (e-voucher) / SAR 0.002 (cash)
Other Benefits
- 10,000 welcome Mokafaa points (spend SAR 5,000 in 90 days)
- Shopping rewards
- Contactless payments
Welcome Bonus
Welcome Bonus Details
| Period | Bonus | Condition |
|---|---|---|
| First 90 days | 10,000 points | Spend SAR 5,000 |
| Total | 10,000 points | ≈ SAR 40 |
* Estimated point value in Mokafaa Points program: SAR 0.004 (e-voucher) / SAR 0.002 (cash)
Annual Income
Annual Income Calculation
| Annual fee(inc. VAT) | - SAR 132 |
| Rewards for spending | + SAR 240 |
| Welcome bonus | + SAR 40 |
| Income (First Year) | + SAR 148 |
| Annual fee(inc. VAT) | - SAR 132 |
| Rewards for spending | + SAR 240 |
| Income (Second Year) | + SAR 108 |
Income = rewards − fee + welcome bonus. Values based on SAR 5,000/month.
Redemption
Al Rajhi Mokafaa Program Redemption
Redemption Value
| Redemption Method | Value per 1,000 points |
|---|---|
| E-vouchers / Rewards marketplace | SAR 4 |
| Cash / Account credit | SAR 2 |
Redemption Partners
JarirNahdiCarrefoureXtraResal (600+ brands)Arabian OudVOX Cinemas
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