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AlAhli Credit Card - Titanium
Saudi National Bank·Mastercard Titanium
Verified: 2026-04-04
Annual Fee
SAR 460
Rewards Rate
1.00%
APR
43.47%
Income (Y1)
SAR 140
Lounges
Yes
Network
Mastercard
Monthly spend:
Fees
| Annual Fee | SAR 460 inc. VAT |
| Supplementary Card Fee | First 3 free, then 50% of annual fee |
| 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 | 2.95% |
| APR | 43.47% |
| 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 | 1 | 100.0 | SAR 1.00 | - |
| International | 1.5 | 150.0 | SAR 1.50 | - |
* Estimated point value in LAK Points program: SAR 0.01 (e-voucher) / SAR 0.008 (cash)
Other Benefits
- 3D Secure online protection
- Purchase protection
- Himayati and Himayati Plus insurance
- Cash advance up to 30% of credit limit
- Apple Pay, Samsung Pay, Mada Pay
- 0% installment plans
Annual Income
Annual Income Calculation
| Annual fee(inc. VAT) | - SAR 460 |
| Rewards for spending | + SAR 600 |
| Income (First Year) | + SAR 140 |
| Annual fee(inc. VAT) | - SAR 460 |
| Rewards for spending | + SAR 600 |
| Income (Second Year) | + SAR 140 |
Income = rewards − fee + welcome bonus. Values based on SAR 5,000/month.
Redemption
LAK Rewards Program Redemption
Redemption Value
| Redemption Method | Value per 1,000 points |
|---|---|
| E-vouchers / Rewards marketplace | SAR 10 |
| Cash / Account credit | SAR 8 |
Redemption Partners
AlFursanNeqatyQitafShukranJarirHiltonMobilyCarrefour
Requirements
Application Requirements
| ID | Valid National ID or Iqama |
| Bank statement | In some cases |
| Salary certificate | From employer |
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