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Annual Fee
SAR 86
Rewards Rate
0.25%
APR
42.32%
Income (Y1)
SAR 64
Network
Visa
Monthly spend:
Fees
| Card Issuance Fee | SAR 115 inc. VAT · One-time |
| Annual Fee | SAR 86 inc. VAT |
| Supplementary Card Fee | Free |
| FX Fee | 2% |
| Late Payment Fee | SAR 58 inc. VAT |
| Replacement Fee | SAR 58 inc. VAT |
| Monthly Profit Rate | 2.49% |
| APR | 42.32% |
| Grace Period | 25 days |
| Minimum Repayment | 5% (min SAR 100) |
Rewards & Benefits
Reward Rates
| Category | Points per 1 SAR | Points per 100 SAR | Value per 100 SAR | Cap |
|---|---|---|---|---|
| Domestic | 0.25 | 25.0 | SAR 0.25 | - |
| International | 0.33 | 33.3 | SAR 0.33 | - |
* Estimated point value in WooW Points program: SAR 0.01 (e-voucher) / SAR 0.005 (cash)
Other Benefits
- 100+ currencies supported
- Zero FX markup on loaded currencies
- Visa Luxury Hotels Collection (900+ properties)
- Avis car rental discount (35% off)
- Jumeirah Hotels discount (25% off)
- Meet & assist services (20% off)
- The Entertainer app (2-for-1 deals)
- Extended warranty
- Purchase protection
- Travel medical assistance
- Digital wallet support (Apple Pay, mada Pay, Samsung Pay)
Annual Income
Annual Income Calculation
| Annual fee(inc. VAT) | - SAR 86 |
| Rewards for spending | + SAR 150 |
| Income (First Year) | + SAR 64 |
| Annual fee(inc. VAT) | - SAR 86 |
| Rewards for spending | + SAR 150 |
| Income (Second Year) | + SAR 64 |
Income = rewards − fee + welcome bonus. Values based on SAR 5,000/month.
Redemption
WooW Rewards Program Redemption
Redemption Value
| Redemption Method | Value per 1,000 points |
|---|---|
| E-vouchers / Rewards marketplace | SAR 10 |
| Cash / Account credit | SAR 5 |
Redemption Partners
E-gift cardsWooW E-CatalogQitaf PointsTravel MilesWooW Alkhair charities
Requirements
Application Requirements
| ID | Valid National ID or Iqama |
| Bank statement | In some cases |
| Salary certificate | From employer |
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