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Annual Fee
Free for life
Rewards Rate
N/A
Income (Y1)
N/A
Network
Visa
Monthly spend:
Fees
| Annual Fee | Free |
| FX Fee | 2% |
| Late Payment Fee | SAR 57 inc. VAT |
| Replacement Fee | SAR 17 inc. VAT |
| Monthly Profit Rate | 0% |
| Grace Period | 20 days |
| Minimum Repayment | 5% (min SAR 100) |
Rewards & Benefits
Other Benefits
- 0% profit — every purchase automatically splits into 3 interest-free monthly installments
- No annual fee, no issuance/processing fee
- No cash withdrawal
- Apple Pay, mada Pay, Samsung Pay
- Minimum SAR 50 per purchase to auto-convert; first installment on next statement
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.
Requirements
Application Requirements
| ID | Valid National ID or Iqama |
| Bank statement | In some cases |
| Salary certificate | From employer |
Notes
Existing SAB credit card holders with an available credit limit of SAR 5,000 or more. A portion of the existing limit is transferred to AQSAT (min SAR 1,000, max SAR 20,000, or 5%/20% of limit). Apply via SAB Online or SAB Mobile. Fees subject to VAT.
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