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Annual Fee
Free for life
Rewards Rate
N/A
Income (Y1)
N/A
Network
Mada
Monthly spend:
Fees
| Annual Fee | Free |
| FX Fee | 2% |
| Replacement Fee | SAR 11.5 inc. VAT |
Rewards & Benefits
Profit Rate on Monthly Average Balance
Tiered annual profit on monthly average savings balance. Profit calculated monthly, credited before the 10th. Auto-sweep moves funds from current to savings automatically. Effective from 1 Nov 2024.
| Balance Range | Annual Profit Rate |
|---|---|
| SAR 1 – 10,000 | 0.05% |
| SAR 10,001 – 3,000,000 | 0.5% |
| SAR 3,000,000+ | 3% |
Other Benefits
- Free issuance and zero annual fees
- Visa Platinum with mada network
- Apple Pay and mada Pay
- Contactless NFC payments
- SADAD bill payments
- Daily POS/e-commerce limit SAR 200,000
- Daily ATM withdrawal limit SAR 5,000
- 3-in-1 OnePack account (current + savings + multi-currency)
- Auto-sweep to savings
- Instant digital card issuance
Annual Income
Annual Income Calculation
| Annual fee | Free |
| Rewards for spending | + SAR 0 |
| Income (First Year) | SAR 0 |
| Annual fee | Free |
| Rewards for spending | + SAR 0 |
| Income (Second Year) | SAR 0 |
Income = rewards − fee + welcome bonus. Values based on SAR 5,000/month.
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