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Annual Fee
SAR 1,035
Rewards Rate
1.25%
Income (Y1)
SAR -285
Lounges
Yes
Network
Visa
Monthly spend:
Fees
| Annual Fee | SAR 1,035 inc. VAT |
| Supplementary Card Fee | Free |
| FX Fee | 2% |
| Cash Advance Fee | 0.03% (max SAR 86) inc. VAT |
| Replacement Fee | SAR 0 |
| Monthly Profit Rate | 0% |
| APR | Charge card Full balance due monthly |
| Grace Period | 25 days |
| Minimum Repayment | Full balance due |
Rewards & Benefits
Lounge Access
Program
Visa Airport Companion (1,200+ lounges)
Visits / Year
Unlimited
Guests
2 guests free
Reward Rates
| Category | Points per 1 SAR | Points per 100 SAR | Value per 100 SAR | Cap |
|---|---|---|---|---|
| Domestic | 2.5 | 250.0 | SAR 1.25 | - |
| International | 3.5 | 350.0 | SAR 1.75 | - |
* Estimated point value in Ajwaa Points program: SAR 0.005 (e-voucher) / SAR 0.005 (cash)
Other Benefits
- Complimentary Careem rides (6 per year)
- Apple Pay, Samsung Pay
- Cash withdrawal worldwide
Annual Income
Annual Income Calculation
| Annual fee(inc. VAT) | - SAR 1,035 |
| Rewards for spending | + SAR 750 |
| Income (First Year) | - SAR 285 |
| Annual fee(inc. VAT) | - SAR 1,035 |
| Rewards for spending | + SAR 750 |
| Income (Second Year) | - SAR 285 |
Income = rewards − fee + welcome bonus. Values based on SAR 5,000/month.
Redemption
Ajwaa Rewards Program 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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