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Annual Fee
SAR 345
Rewards Rate
1.00%
APR
48.65%
Income (Y1)
SAR 255
Lounges
Yes
Network
Visa
Monthly spend:
Fees
| Annual Fee | SAR 345 inc. VAT |
| Supplementary Card Fee | First 5 free, then Free each |
| FX Fee | 2% |
| Cash Advance Fee | 3% (max SAR 86.25) inc. VAT |
| Late Payment Fee | SAR 57.5 inc. VAT |
| Replacement Fee | SAR 17.25 inc. VAT |
| Monthly Profit Rate | 3.2% |
| APR | 48.65% |
| Grace Period | 53 days |
| Minimum Repayment | 5% (min SAR 100) |
Rewards & Benefits
Lounge Access
Program
Visa Airport Companion (25+ lounges)
Visits / Year
6 visits
Guests
Not included
Requires SAR 1,000 monthly spend. Guest charged $32/visit.
Reward Rates
| Category | Rate | Cap |
|---|---|---|
| Jarir | 2% | - |
| Domestic | 1% | - |
| International | 1% | - |
Other Benefits
- 0% installment plan up to 24 months at Jarir (min SAR 1,500)
- No cap, no minimum spend
- Installment Payment Plan
- Extended warranty
- Purchase protection
- Fraudulent card misuse protection
Annual Income
Annual Income Calculation
| Annual fee(inc. VAT) | - SAR 345 |
| Rewards for spending | + SAR 600 |
| Income (First Year) | + SAR 255 |
| Annual fee(inc. VAT) | - SAR 345 |
| Rewards for spending | + SAR 600 |
| Income (Second Year) | + SAR 255 |
Income = rewards − fee + welcome bonus. Values based on SAR 5,000/month.
Requirements
Application Requirements
| ID | Valid National ID or Iqama |
| Bank statement | In some cases |
| Salary certificate | From employer |
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