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Annual Fee
SAR 1,150
Rewards Rate
1.50%
APR
37.49%
Income (Y1)
SAR -250
Lounges
Yes
Network
Visa
Monthly spend:
Fees
| Annual Fee | SAR 1,150 inc. VAT |
| Supplementary Card Fee | SAR 575 inc. VAT |
| FX Fee | 2% |
| Cash Advance Fee | 3% (max SAR 86.25) inc. VAT |
| Replacement Fee | SAR 17.25 inc. VAT |
| Monthly Profit Rate | 2.75% |
| APR | 37.49% |
| Grace Period | 25 days |
| Minimum Repayment | 5% (min SAR 100) |
Rewards & Benefits
Lounge Access
Program
Visa Airport Companion (1,300+ lounges)
Visits / Year
Unlimited
Guests
1 guest free
Unlimited lounge visits + 1 guest. Register via Visa Airport Companion app. Powered by DragonPass. DragonPass Dine & Fly included.
Reward Rates
| Category | Rate | Cap |
|---|---|---|
| Domestic | 1.5% | - |
| International | 2% | - |
Other Benefits
- 24-hour concierge service
- Hotel booking discounts
- DragonPass Dine & Fly airport dining
- Fraud protection
- Apple Pay and mada Pay
- Sharia-compliant (Murabaha)
Annual Income
Annual Income Calculation
| Annual fee(inc. VAT) | - SAR 1,150 |
| Rewards for spending | + SAR 900 |
| Income (First Year) | - SAR 250 |
| Annual fee(inc. VAT) | - SAR 1,150 |
| Rewards for spending | + SAR 900 |
| Income (Second Year) | - SAR 250 |
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
STC Bank account required. Credit limit set by the Bank based on net monthly income. Annual fee SAR 1,150 inc. VAT. Sharia-compliant (Murabaha).
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