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Annual Fee
SAR 230
Rewards Rate
0.75%
APR
42.25%
Income (Y1)
SAR 345
Lounges
Yes
Network
Visa
Monthly spend:
Fees
| Annual Fee | SAR 230 inc. VAT |
| Supplementary Card Fee | Free |
| FX Fee | 2% |
| Cash Advance Fee | 0.03% (max SAR 86) inc. VAT |
| Replacement Fee | SAR 17.25 inc. VAT |
| Monthly Profit Rate | 2.2% |
| APR | 42.25% |
| Grace Period | 25 days |
| Minimum Repayment | 5% (min SAR 200) |
Rewards & Benefits
Lounge Access
Program
DragonPass (25+ lounges)
Visits / Year
Unlimited
Guests
Not included
Reward Rates
| Category | Points per 1 SAR | Points per 100 SAR | Value per 100 SAR | Cap |
|---|---|---|---|---|
| Domestic | 1.5 | 150.0 | SAR 0.75 | - |
| International | 2.25 | 225.0 | SAR 1.13 | - |
* Estimated point value in Ajwaa Points program: SAR 0.005 (e-voucher) / SAR 0.005 (cash)
Other Benefits
- Apple Pay, Samsung Pay
Welcome Bonus
Welcome Bonus Details
| Period | Bonus |
|---|---|
| Welcome | 25,000 points |
| Total | 25,000 points |
| ≈ SAR 125 | |
* Estimated point value in Ajwaa Points program: SAR 0.005 (e-voucher) / SAR 0.005 (cash)
Annual Income
Annual Income Calculation
| Annual fee(inc. VAT) | - SAR 230 |
| Rewards for spending | + SAR 450 |
| Welcome bonus | + SAR 125 |
| Income (First Year) | + SAR 345 |
| Annual fee(inc. VAT) | - SAR 230 |
| Rewards for spending | + SAR 450 |
| Income (Second Year) | + SAR 220 |
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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