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Annual Fee
SAR 58
Rewards Rate
0.25%
Income (Y1)
SAR 92
Network
Visa
Monthly spend:
Fees
| Annual Fee | SAR 58 inc. VAT |
| Supplementary Card Fee | Free |
| FX Fee | 2% |
| Replacement Fee | SAR 0 |
| Monthly Profit Rate | 0% |
| APR | Charge card Full balance due monthly |
| Grace Period | 21 days |
| Minimum Repayment | Full balance due |
Rewards & Benefits
Reward Rates
| Category | Points per 1 SAR | Points per 100 SAR | Value per 100 SAR | Cap |
|---|---|---|---|---|
| Domestic | 0.5 | 50.0 | SAR 0.25 | - |
| International | 1 | 100.0 | SAR 0.50 | - |
* Estimated point value in Ajwaa Points program: SAR 0.005 (e-voucher) / SAR 0.005 (cash)
Other Benefits
- Digital-first experience
- High security for online shopping
- Instant SMS notifications
- 24/7 customer service
Annual Income
Annual Income Calculation
| Annual fee(inc. VAT) | - SAR 58 |
| Rewards for spending | + SAR 150 |
| Income (First Year) | + SAR 92 |
| Annual fee(inc. VAT) | - SAR 58 |
| Rewards for spending | + SAR 150 |
| Income (Second Year) | + SAR 92 |
Income = rewards − fee + welcome bonus. Values based on SAR 5,000/month.
Redemption
Ajwaa Points (Digital Card) Redemption
Redemption Value
| Redemption Method | Value per 1,000 points |
|---|---|
| All redemption options | SAR 5 |
Redemption Partners
CashbackHotelsFlightsCar RentalsShopPoints ExchangeGift Vouchers
Requirements
Application Requirements
| ID | Valid National ID or Iqama |
| Bank statement | In some cases |
| Salary certificate | From employer |
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