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SAVE WHILE TRAVELING ABROAD

When using your AlAhli Credit Card overseas, some merchants might ask you to pay with the Saudi Riyal (SAR) or the local Currency which is the country you are visiting (E.g. US Dollar in the US, or AED in UAE)

Therefore, we advise you to always choose the local currency for the below benefits:

  1. To avoid hidden currency exchange rate, applied by the merchant, which might be up to 5%, in comparison with the fixed currency exchange rate applied by NCB that is 2.75% when using your AlAhli Credit Card overseas.

  2. To earning additional ‘LAK’ points up to 50%, only when using the local currency of the country you are visiting.​

Example1: If a transaction was performed in London, United Kingdom:

​​​

If you choose to pay in GBP (£)

If you choose to pay in SAR

Transaction Amount

£1,000

SAR 1,000

Conversion Rate

4.667

4.667

FX Mark-up

2.75%

3.0%

Final Amount Charged to Your AlAhli Credit Card

SAR 4,795.34

SAR 4,807.01

Savings

SAR 11.67

 

LAK Points gained

(using Mass Rate)

7192

4807

Additional Lak Points Earned

2,385

 ​



Example2: If a transaction was performed in Dubai, United Arab Emirates: 

If you choose to pay in  AED

If you choose to pay in SAR

Transaction Amount

AED 1000

SAR 1000

Conversion Rate

1.021

1.021

FX Mark-up

2.75%

3.0%

Final Amount Charged to Your AlAhli Credit Card

SAR 1049

SAR 1051

Savings

SAR 3

 

LAK Points gained

(using Mass Rate)

1573

1051

Additional Lak Points Earned

522

 ​



Note: VAT is applied on Forex Markup   as per Royal Decree NO.(M/113) dated 02/04/1438, a Value Added Tax (VAT) would be introduced effective 01 January 2018. ​

Transaction Amount 

1,000 $

Conversion Rate

3.75

Transaction Amount in SAR

3,750 SAR

FX Mark-Up 2.75%

103.12 SAR

VAT 5% on Forex Markup

5.1 SAR

Total Charged (with VAT)

3,858.2​​

You are Entitled to a Complimentary Airport Lounge Access With Free Visits According to the Card you are Using:

For NCB Credit Card Cardholders from Mastercard:

  • Kindly install the "Mastercard for you" application (through the Apple Store or Play Store) to learn more about the available free lounges based on your card type
  • The steps for checking the available lounges are:
    • Click on the Travel option on the main page
    • Enter your "Name/Airport Code/ City" on the lounges menu
    • A list of available lounges will be shown based on your card type
    • Kindly read the terms and conditions for each lounge

Terms and Conditions

  • NCB Mastercard Titanium cardholders: Limited free lounge access up to 8 visits. Additional guests will be charged.
  • NCB Mastercard Platinum cardholders: Limited free lounge access up to 23 visits. Additional guests will be charged.
  • NCB Mastercard World cardholders: Unlimited free lounge access. Additional guests will be charged.
  • NCB Mastercard World Elite cardholders: Unlimited free lounge access for you and additional guest at all participating lounges.
  • Primary and Supplementary cardholders need to present individual cards to avoid additional guest charges.
  • If supplementary cards are not shown at the lounge, guest charges will be applied to the primary cardholder.

Terms and Conditions apply.

Concierge service for premium credit cards​

Enjoy the concierge service presented with the type of your credit card for your personal needs such as hotel reservations , restaurant reservations and more of your personal needs

For concierge service please contact the numbers below:

Visa Signature For Wessam Gold

  • Local: 800 844 3488
  • International: +9714 436 7222 Or +1 773 360 5320​

Visa Infinite For Wessam Platinum

  • Local: 800 844 3488
  • International: +971 4 361 1234 Or +1 513 259 2027

TRAVEL INSURANCE

Travel insurance is a service provided to Alahli credit card holders provided to Wessam Gold, Wessam Platinum and Private banking credit card customers.

For more details about Travel insurance: ​

Note: Travel Insurance does not cover Visa Basic, Visa Platinum , MasterCard Titanium and MasterCard Platinum credit card holders. ​