AlAhli Credit Card - World (Wessam Platinum)

Saudi National Bank·Mastercard World

Verified: 2026-04-04

Apply on the bank's website

Annual Fee

SAR 1,725

Rewards Rate

2.00%

APR

31.80%

Income (Y1)

SAR -525

Lounges

Yes

Network

Mastercard

Monthly spend:

Fees

Annual Fee	SAR 1,725 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	31.80%
Grace Period	25 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

To maintain lounge access, make at least one international transaction every 3 months.

Reward Rates

Category	Points per 1 SAR	Points per 100 SAR	Value per 100 SAR	Cap
Domestic	2	200.0	SAR 2.00	-
International	2.5	250.0	SAR 2.50	-

* Estimated point value in LAK Points program: SAR 0.01 (e-voucher) / SAR 0.008 (cash)

Other Benefits

Purchase protection
Extended warranty
Concierge services
Dedicated relationship manager
Apple Pay, Samsung Pay, Mada Pay
0% installment plans

Annual Income

Annual Income Calculation

Annual fee(inc. VAT)	- SAR 1,725
Rewards for spending	+ SAR 1,200
Income (First Year)	- SAR 525

Annual fee(inc. VAT)	- SAR 1,725
Rewards for spending	+ SAR 1,200
Income (Second Year)	- SAR 525

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

Apply on the bank's website

See a mistake?

AlAhli Credit Card - World (Wessam Platinum)

Fees