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AlFursan Visa Signature Credit Card
Riyad Bank·Visa Signature
Verified: 2026-04-04
Annual Fee
SAR 1,150
Rewards Rate
1.25%
APR
35.37%
Income (Y1)
SAR 538
Lounges
Yes
Network
Visa
Monthly spend:
Fees
| Annual Fee | SAR 1,150 inc. VAT |
| Supplementary Card Fee | Free |
| FX Fee | 2% |
| Cash Advance Fee | 3% (max SAR 86) inc. VAT |
| Late Payment Fee | SAR 57 inc. VAT |
| Replacement Fee | SAR 17 inc. VAT |
| Monthly Profit Rate | 2.35% |
| APR | 35.37% |
| Grace Period | 25 days |
| Minimum Repayment | 5% (min SAR 100) |
Rewards & Benefits
Lounge Access
Program
Visa Airport Companion (1,300+ lounges)
Visits / Year
12 visits
Guests
Not included
Requires $100 USD international spend within 90 days before lounge use. No visits without meeting condition.
Reward Rates
| Category | SAR spent to earn 1 mile | Miles per 100 SAR | Value per 100 SAR | Cap |
|---|---|---|---|---|
| Domestic | 3 | 33.3 | SAR 1.25 | - |
| International | 2.5 | 40.0 | SAR 1.50 | - |
* Estimated mile value in AlFursan Miles program: SAR 0.0375
Other Benefits
- Complimentary valet parking monthly (100+ locations in KSA)
- 24/7 Concierge Service (travel planning, restaurant reservations, event access)
- Qasset 0% installments (12 months)
- Riyad Bank cardholder discounts at various stores/restaurants
- Visa Signature exclusive offers and benefits
- muvi Cinema BOGO monthly
- 15% discount at IHG Hotels and Resorts (100+ in MEA)
- Visa Luxury Hotel Collection access (900+ properties)
- Up to 20% discount at 450+ global destinations
- Up to 35% off Avis car rental + President's Club Membership
- Up to 15% off SIXT rentals + Gold status
- Complimentary airport transfers monthly (in KSA)
- Dubai airport transfers + Meet-and-Greet (DXB)
- Fraud protection against unauthorized transactions
- Extended warranty (12 months)
- Purchase protection (12 months - theft, damage, non-delivery)
Welcome Bonus
Welcome Bonus Details
| Period | Bonus | Condition |
|---|---|---|
| Upon activation | 25,000 miles | Activate card |
| Quarter 1 (0-90 days) | 15,000 miles | Spend SAR 40,000Not achievable with current 5,000 SAR monthly spend |
| Quarter 2 (91-180 days) | 15,000 miles | Spend SAR 40,000Not achievable with current 5,000 SAR monthly spend |
| Quarter 3 (181-270 days) | 15,000 miles | Spend SAR 40,000Not achievable with current 5,000 SAR monthly spend |
| Quarter 4 (271-360 days) | 15,000 miles | Spend SAR 40,000Not achievable with current 5,000 SAR monthly spend |
| Total | 85,000 miles | ≈ SAR 3,188 |
| Achievable (1/5) | 25,000 miles | ≈ SAR 938 |
You can change the "Monthly spend" filter on the cards page to recalculate achievability.
* Estimated mile value in AlFursan Miles program: SAR 0.0375
Annual Income
Annual Income Calculation
| Annual fee(inc. VAT) | - SAR 1,150 |
| Rewards for spending | + SAR 750 |
| Welcome bonus | + SAR 938 |
| Income (First Year) | + SAR 538 |
| Annual fee(inc. VAT) | - SAR 1,150 |
| Rewards for spending | + SAR 750 |
| Income (Second Year) | - SAR 400 |
Income = rewards − fee + welcome bonus. Values based on SAR 5,000/month.
Redemption
AlFursan Redemption
How to Redeem Miles
Redeem your miles on the Saudia Airlines website for flight bookings and upgrades. You can use miles to cover the full or partial cost of your ticket.
saudia.com
* Estimated mile value in AlFursan program: SAR 0.0375
Requirements
Application Requirements
| ID | Valid National ID or Iqama |
| Bank statement | In some cases |
| Salary certificate | From employer |
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