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Annual Fee
SAR 1,104
Rewards Rate
1.00%
APR
42.43%
Income (Y1)
SAR 246
Lounges
Yes
Network
Amex
Monthly spend:
Fees
| Annual Fee | SAR 1,104 inc. VAT |
| Supplementary Card Fee | 1st free, then SAR 115 each inc. VAT |
| FX Fee | 2% |
| Cash Advance Fee | 3% (max SAR 86.25) inc. VAT |
| Replacement Fee | SAR 17.25 inc. VAT |
| Monthly Profit Rate | 2.75% |
| APR | 42.43% |
| Grace Period | 25 days |
| Minimum Repayment | 5% (min SAR 100) |
Rewards & Benefits
Lounge Access
Program
Priority Pass (1,400+ lounges)
Visits / Year
2 visits
Guests
Not included
Reward Rates
| Category | Points per 1 SAR | Points per 100 SAR | Value per 100 SAR | Cap |
|---|---|---|---|---|
| Domestic | 0.27 | 26.7 | SAR 1.00 | - |
| International | 0.27 | 26.7 | SAR 1.00 | - |
| Groceries | 0.53 | 53.3 | SAR 2.00 | - |
* Estimated point value in Membership Rewards Points program: SAR 0.0375 (e-voucher) / SAR 0.0375 (cash)
Other Benefits
- Annual dining credit up to SAR 250 at select restaurants
- 0% Murabaha Margin on international purchases over SAR 3,750 (3 months)
- Travel Accident Insurance with legal and medical assistance
- Travel Inconvenience Insurance
- Luggage Loss Protection
- First supplementary card free for life
- Airalo eSIM voucher worth USD 20
- International cash withdrawal without FX fees
- 2X Membership Rewards points at Danube, Tamimi, Webook.com
Welcome Bonus
Welcome Bonus Details
| Period | Bonus | Condition |
|---|---|---|
| Welcome Bonus | 20,000 points | Spend SAR 12,000 |
| Total | 20,000 points | ≈ SAR 750 |
* Estimated point value in Membership Rewards Points program: SAR 0.0375 (e-voucher) / SAR 0.0375 (cash)
Annual Income
Annual Income Calculation
| Annual fee(inc. VAT) | - SAR 1,104 |
| Rewards for spending | + SAR 600 |
| Welcome bonus | + SAR 750 |
| Income (First Year) | + SAR 246 |
| Annual fee(inc. VAT) | - SAR 1,104 |
| Rewards for spending | + SAR 600 |
| Income (Second Year) | - SAR 504 |
Income = rewards − fee + welcome bonus. Values based on SAR 5,000/month.
Redemption
Membership Rewards Redemption
Redemption Value
| Redemption Method | Value per 1,000 points |
|---|---|
| All redemption options | SAR 37.5 |
Redemption Partners
Emirates SkywardsBA AviosEtihadMarriott BonvoyHilton
Requirements
Application Requirements
| ID | Valid National ID or Iqama |
| Bank statement | In some cases |
| Salary certificate | From employer |
Notes
Minimum salary: SAR 10,000/month.
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