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AlFursan American Express Credit Card
American Express Saudi Arabia·Amex Gold
Verified: 2026-04-04
Annual Fee
SAR 1,078
Rewards Rate
1.00%
APR
41.59%
Income (Y1)
SAR 1,210
Lounges
Yes
Network
Amex
Monthly spend:
Fees
| Annual Fee | SAR 1,078 inc. VAT |
| Supplementary Card Fee | SAR 259 inc. VAT |
| FX Fee | 0% |
| Cash Advance Fee | 3% (max SAR 86.25) inc. VAT |
| Replacement Fee | SAR 17.25 inc. VAT |
| Monthly Profit Rate | 2.75% |
| APR | 41.59% |
| Grace Period | 25 days |
| Minimum Repayment | 5% (min SAR 100) |
Rewards & Benefits
Lounge Access
Program
Priority Pass (1,300+ lounges)
Visits / Year
Unlimited
Guests
Not included
Access via AlFursan Silver Tier. Includes lounge access for cardholder + up to 3 family members on Saudia flights. Silver Tier retained with USD 32,000 annual spend.
Reward Rates
| Category | SAR spent to earn 1 mile | Miles per 100 SAR | Value per 100 SAR | Cap |
|---|---|---|---|---|
| Domestic | 3.75 | 26.7 | SAR 1.00 | - |
| International | 1.875 | 53.3 | SAR 2.00 | - |
| saudia airlines | 1.875 | 53.3 | SAR 2.00 | - |
* Estimated mile value in AlFursan Miles program: SAR 0.0375
Other Benefits
- 0% Foreign Exchange Fees on SAR transactions
- Travel Accident Insurance with legal and medical assistance
- Travel Inconvenience Insurance
- Luggage Loss Protection
- Plan It installment feature
Welcome Bonus
Welcome Bonus Details
| Period | Bonus | Condition |
|---|---|---|
| Joining Bonus | 10,000 miles | Card activation only |
| Welcome Bonus | 10,000 miles | Spend SAR 11,250 |
| Spend milestone 1 | 12,000 miles | Spend SAR 26,250 |
| Spend milestone 2 | 13,000 miles | Spend SAR 56,250 |
| Annual Bonus | 15,000 miles | Spend SAR 93,750Not achievable with current 5,000 SAR monthly spend |
| Total | 60,000 miles | ≈ SAR 2,250 |
| Achievable (4/5) | 45,000 miles | ≈ SAR 1,688 |
You can change the "Monthly spend" filter on the cards page to recalculate achievability.
* Estimated mile value in AlFursan Miles program: SAR 0.0375
Annual Income
Annual Income Calculation
| Annual fee(inc. VAT) | - SAR 1,078 |
| Rewards for spending | + SAR 600 |
| Welcome bonus | + SAR 1,688 |
| Income (First Year) | + SAR 1,210 |
| Annual fee(inc. VAT) | - SAR 1,078 |
| Rewards for spending | + SAR 600 |
| Income (Second Year) | - SAR 478 |
Income = rewards − fee + welcome bonus. Values based on SAR 5,000/month.
Redemption
AlFursan Redemption
How to Redeem Miles
Redeem your miles on the Saudia Airlines website for flight bookings and upgrades. You can use miles to cover the full or partial cost of your ticket.
saudia.com
* Estimated mile value in AlFursan program: SAR 0.0375
Requirements
Application Requirements
| ID | Valid National ID or Iqama |
| Bank statement | In some cases |
| Salary certificate | From employer |
Notes
Minimum salary: SAR 15,000/month.
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