Credit Card Services
You may apply for Credit Cards through our Mobile App.

Cash Advance

 

You can benefit from Cash Advance from your Credit Card and transfer up to 30% of your Credit Card Limit  to your current account through our digital channels:

 

1. AlAhli Mobile App:

• Log in to AlAhli Mobile Application

• Select AlAhli credit cards

• Click on Cash Advance

• Enter amount needed to be transferred to your current account

• Confirm your transaction

 

2. AlAhli Online:

• Log in to AlAhli Online

• Select credit card

• Click on Cash Advance

• Enter amount needed to be transferred to your current account

• Confirm your transaction

 

3. Call AlAhli Phone Banking:

• Enter your personal number

• Enter your password

• Choose No. 2 for credit cards

• Choose No. 2 for financial transaction

• Choose No. 3 for Cash Advance

• Enter two digit number to identify your Credit Card

• Enter two digit number to identify your Credit Card

• Enter two digit number to identify your current account

• Enter amount needed to be transferred to your current account

• Confirm your transaction

 

4. ATM:

• Choose your language

• Enter your PIN number

• Select Cash Advance

• Enter amount

• Select Credit Card

Cash Withdrawal Fees

* ATM & Digital Channels Cash Advance Fee is SAR 75 per transaction + 15% VAT.

* Multiple Cash Advance transactions are allowed daily, capped at SAR 5,000.


     Fee Detail  Fee Calculation

Cash Advance Amount

5,000 SAR

Cash Withdrawal Fees

75 SAR

VAT 15% on Fees

75 x 15% = 11.25 SAR

Total Cash Advance Amount (With VAT)

5,086.25 SAR


Cash Advance Fee is FREE from 7th of August 2023 till 30th of September 2023

 

Annual Percentage Rate (Based on customer income)

• 38.75% for customers with monthly income between 2,500 – 3,999 SAR

• 32.39% for customers with monthly income 4,000 SAR and above

** Annual Fees for Visa Basic & MasterCard Titanium are SAR 400 , and all Platinum cards are SAR 600

 

Credit Shield

 

Whenever you are unable to pay your credit card outstanding amount, our Hemayati and Hemayati Plus programs protect you and your family in the case of unfortunate circumstances. Give yourself peace of mind knowing we will take care of your balance by settling your credit card balance of up to SAR 225,000 (according to the insurance policy).

 

Hemayati:

• Credit card balance coverage of up to SAR 225,000

• Coverage of all supplementary credit cards' balance under the primary credit card registered for the program.

• A monthly fee of only 0.39% of your credit card's outstanding balance

 

Hemayati Plus:

• Credit card balance coverage of up to SAR 225,000 in the case of accidental death and permanent total or partial disabilities

• Coverage of all supplementary credit cards' balance under the primary credit card registered for the program

• Cash payment to the family equal to the credit card's outstanding balance (in the case of accidental death only).

• A monthly fee of only 0.49% of your credit card's outstanding balance.

 

Applying is easy:

If you are applying for a new AlAhli Credit Card and want to subscribe in Hemayati or Hemayati Plus at the same time, simply ask the sales manager in the branch processing your request to add the Program in your application. If you want to add Hemayati to your existing AlAhli credit card, please follow the steps below:

 

1. AlAhli Mobile App:

• Log in to AlAhli Mobile Application

• Select AlAhli credit cards

• Click on additional Menu

• Choose Hemayati

• Choose program Hemayati / Hemayati Plus

• Confirm your transaction

 

2. AlAhli Online:

• Log in to AlAhli Online

• Select credit card

• Click on additional Menu

• Choose Hemayati

• Choose program Hemayati / Hemayati Plus

• Confirm your transaction

 

3. Call AlAhli Phone Banking:

• Enter your personal number

• Enter your password

• Choose No. 2 for credit cards

• Choose No. 5 for Card maintenance

• Choose No. 3 for Hemayati

• Enter two digit number to identify your Credit Card

• Choose program Hemayati / Hemayati Plus

• Confirm enrollment in program Hemayati / Hemayati Plus

 

Criteria:

1) A primary AlAhli Credit Card holder

2) Employed, self-employed or have any other income source

3) Must be between 20-75 years old:

- For death benefits: up to 75 years old (God Forbid)

- For disability benefits: up to 65 years old

 

Claim Procedure:

1)To claim in the case of death:

• Report the incident immediately by calling 92000-1000

• Prepare the following documents:

• Statement of account at the date of death

• Death certificate

• Cause of death (hospital report)

• Police report in case of accidental death

• Copy of passport, Iqama or Saudi National ID card.

• Inheritance eligibility deed in case of accidental death only

 

2)To claim in the case of permanent or partial disability:

• Report the incident immediately by calling 92000-1000

• Prepare the following documents:

• Statement of account

• Medical evidence attesting to the state of the insured customer

• Copy of passport, Iqama or Saudi National ID card

 

During the waiting period, the insurance company has the right to:

• Demand proof of the reported disability

• Have the insured person re-examined by a medical examiner of their choice.

    Fee Detail  Fee Calculation
 ​Credit Card Outstanding amount  1,000 SAR
 ​Hemyati Plus Fees 0.49%* Outstanding Balance 1,000 x 0.49% = 4.9 SAR
 ​VAT 15% on Credit Shield Fees 4.9 x 15% = 0.735 SAR
 ​Total Charged on Credit Shield 1,005.635 SAR

Credit Limit Increase

 

You can increase your AlAhli credit card limit  by calling our Phone Banking  and by following the steps:

• Enter your 8-digit customer number

• Enter your password

• Choose no.2 for Credit Cards

• Choose no.2 for Financial Transactions

• Choose no.5 for Credit Limit Increase

 

 

madaPay

 

madaPay is a new service that enables the customer to use his/her smartphone to complete transactions using madaPay application while keeping the user information secured and encrypted. It also enables the customer to save banking cards in the application wither its AlAhli Credit Cards and AlAhli Prepaid Cards.

 

The customer can purchase goods using the application by hovering the smartphone on top of the POS.

 

There is no limit to the number of cards that can be added to madaPay as well as adding the same card to multiple devices.

 

madaPay is accepted at many merchants with atheer service enabled around the kingdom as well as international merchants.

 

To use madaPay:

• Make sure that the smartphone operating system running 5.1 or higher

• The smartphone has NFC feature

• You own an SNB credit card and/ or prepaid cards

• Download madaPay from Google Play

• Start the app and follow the instructions (make sure you have an enabled passcode)

• Make sure you’re connected to the internet while setting up the application .

 

Annual Percentage Rate (based on card tier)

• 38.75% for customers with monthly payroll income 2,500 SAR up to 3,999

• 32.39% for customers with monthly payroll income 4,000 SAR and above

**Annual Fees for Visa Basic & MasterCard Titanium are SAR 400 , and all Platinum cards are SAR 600

 

Annual Percentage Rates 

View all the calculations and pricings for our finance and savings products.

Digital Banking
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