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Signature Credit Card
Meem Digital Banking·Visa Signature
Verified: 2026-04-04
Annual Fee
Free for life
Rewards Rate
1.50%
APR
42.31%
Income (Y1)
SAR 900
Lounges
Yes
Network
Visa
Monthly spend:
Fees
| Annual Fee | Free for life (Regular SAR 575 inc. VAT) Free for cards issued between January 1, 2026 and March 31, 2026 |
| Supplementary Card Fee | 1st free, then SAR 115 each inc. VAT |
| 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 | 2.9% |
| APR | 42.31% |
| Grace Period | 25 days |
| Minimum Repayment | 5% (min SAR 100) |
Rewards & Benefits
Lounge Access
Program
Visa Airport Companion (1,200+ lounges)
Visits / Year
12 visits
Guests
Not included
Requires USD 100 international spend in preceding 90 days. Guest charged $32/visit.
Reward Rates
| Category | Points per 1 SAR | Points per 100 SAR | Value per 100 SAR | Cap |
|---|---|---|---|---|
| Domestic | 1.5 | 150.0 | SAR 1.50 | - |
| International | 1.5 | 150.0 | SAR 1.50 | - |
| Groceries | 0.67 | 66.7 | SAR 0.67 | - |
| Dining | 0.67 | 66.7 | SAR 0.67 | - |
| Education | 0.33 | 33.3 | SAR 0.33 | - |
| Travel | 0.33 | 33.3 | SAR 0.33 | - |
| Fuel | 0 | 0.0 | SAR 0.00 | - |
* Estimated point value in Points program: SAR 0.01 (e-voucher) / SAR 0.01 (cash)
Other Benefits
- Apple Pay and mada Pay
- NFC contactless payments
- As'hal installment program (3-24 months)
- Competitive 2% FX rate
- Annual fee waived with SAR 48,000 minimum annual spend
Annual Income
Annual Income Calculation
| Annual fee | FreeSAR 575 |
| Rewards for spending | + SAR 900 |
| Income (First Year) | + SAR 900 |
| Annual fee | FreeSAR 575 |
| Rewards for spending | + SAR 900 |
| Income (Second Year) | + SAR 900 |
Income = rewards − fee + welcome bonus. Values based on SAR 5,000/month.
Redemption
ajeeb Rewards Program Redemption
Redemption Value
| Redemption Method | Value per 1,000 points |
|---|---|
| All redemption options | SAR 10 |
Redemption Partners
TravelRetail (100+ merchants KSA/BAH/UAE)ALFURSAN MilesE-VouchersMerchandise
Requirements
Application Requirements
| ID | Valid National ID or Iqama |
| Bank statement | In some cases |
| Salary certificate | From employer |
Notes
Minimum age 21. OnePack account required. Salaried: min 1 month employment (Saudi) or 3 months (expat).
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