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SAB AlFursan BLACK Mastercard Credit Card
Saudi Awwal Bank·Mastercard World Elite
Verified: 2026-04-04
Annual Fee
SAR 2,243
Rewards Rate
1.25%
APR
88.30%
Income (Y1)
SAR -368
Lounges
Yes
Network
Mastercard
Monthly spend:
Fees
| Annual Fee | SAR 2,243 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 | 3% |
| APR | 88.30% |
| Grace Period | 20 days |
| Minimum Repayment | 5% (min SAR 100) |
Rewards & Benefits
Lounge Access
Program
Mastercard Travel Pass (1,200+ lounges)
Visits / Year
20 visits
Guests
Not included
Guest access removed eff. Mar 2026. Requires at least SAR 3.75 in international spending every 90 days.
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 | 50.0 | SAR 1.88 | - |
* Estimated mile value in AlFursan Miles program: SAR 0.0375
Other Benefits
- Meet & greet at Dubai airport
- Airport transfers in Dubai
- Faster Silver tier with Saudia (50% bonus tier miles)
- Mastercard Travel Pass app
- SAB AQSAT installment conversion
- Concierge service
- International acceptance (29M+ outlets)
- Purchase protection
Welcome Bonus
Welcome Bonus Details
| Period | Bonus | Condition |
|---|---|---|
| Welcome | 30,000 miles | Spend SAR 5,000 |
| Quarter 1 (0-90 days) | 20,000 miles | Spend SAR 40,000Not achievable with current 5,000 SAR monthly spend |
| Quarter 2 (91-180 days) | 20,000 miles | Spend SAR 40,000Not achievable with current 5,000 SAR monthly spend |
| Quarter 3 (181-270 days) | 20,000 miles | Spend SAR 40,000Not achievable with current 5,000 SAR monthly spend |
| Quarter 4 (271-360 days) | 20,000 miles | Spend SAR 40,000Not achievable with current 5,000 SAR monthly spend |
| Total | 110,000 miles | ≈ SAR 4,125 |
| Achievable (1/5) | 30,000 miles | ≈ SAR 1,125 |
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 2,243 |
| Rewards for spending | + SAR 750 |
| Welcome bonus | + SAR 1,125 |
| Income (First Year) | - SAR 368 |
| Annual fee(inc. VAT) | - SAR 2,243 |
| Rewards for spending | + SAR 750 |
| Income (Second Year) | - SAR 1,493 |
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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