Credit Cards

View the pricing and calculations related to our finance and savings products.

Card Tier  Annual Fees (SR) Annual Percentage Rate Per Month Annual Percentage Rate (APR)*  Credit Card Purchase Rate Minimum Repayment Amount %  Months Until Balance Repaid**
Mass Segment  Salary 
 SR 4,000
 Salary
 SR 4,000
  Salary 
  SR 4,000
  Salary
  SR 4,000
  Salary 
  SR 4,000
 Salary
 SR 4,000

 Salary 
SR4,000

 Salary
 SR 4,000
 Salary 
 SR 4,000
 Salary
 SR 4,000 
Mastercard Titanium
400
 2.7% 2.3%  38.75%  32.39%  28.8%  24%  5%  201 Months  176 Months
VISA Basic
Mastercard Platinum 600  39.29%  32.91%
VISA Platinum
Mastercard Platinum Cashback Card Free  2.80%  39.29%  30%  5%  208
Mastercard World Premium Cashback  200  2.3%  31.88%  24%  5%  176 Months
AlFursan VISA Platinum  350  2.2% 30.72%  22.8% 5%  170 Months
AlFursan VISA Infinite  750  2.2%  31.74%

The above table only an example.

 


Wessam Segment
Annual Fees (SR) Annual Percentage Rate Per Month Annual Percentage Rate (APR)* Credit Card Purchase Rate Minimum Repayment Amount % Months Until Balance Repaid**
Mastercard
World (Golden)
1,000 2.3% 31.37% 24% 5% 176 Months
VISA Signature
Mastercard
World (Platinum)
1,500
VISA Infinite

 


Private Banking
Annual Fees (SR) Annual Percentage Rate Per Month Annual Percentage Rate (APR)* Credit Card Purchase Rate Minimum Repayment Amount % Months Until Balance Repaid**
Mastercard
World Elite
2,000 2.3% 31.37% 24% 5% 176 Months
VISA Infinite
Privilege
**Example: If only minimum repayment is made every month than it will take almost 201 or 176 months depending on the customer’s segment to repay a full amount (SR7,000), keeping in view Annual Percentage Rate added each month (based on the salary and/or card type).
Monthly Tawaroq Fees

0.3 %

Cash Withdrawal Limit

Up to a maximum of 30 % of the Credit Card Limit allowed by the bank

Cash Withdrawal Fees

SAR 75 per transaction. For ATM Cash withdrawal or Cash transfer through digital channels.

Supplementary Card Fees

Annual fee waived for the first 3 supplementary cards. Above 3 cards, 50% of primary card annual fees each
Credit Shield Charges (Himayati & Himayati +) Optional Subscription 0.39% monthly of the toal balance due for Himayati
0.49% monthly of the total balance for Himayati Plus
Foreign Exchange Conversion Mark up Up to 2.75% for Al-Ahli Credit Cards, AlFursan Credit Cards, Al-Ahli Cashback Premium and Prepaid Cards

Up to 2.85% for Al-Ahli Cashback Platinum Card

 

 

*Based on SAMA formula using an example of SAR 100,000 outstanding 
 Finance Amount (Loan amount) Upfront Fees The amount of the credit card balance 
 Upfront Fees  Annual fees
 

Upfront Insurance Fees

Insurance amount 
 

Long Term

 Number of years
 Annual Percentage Rate per month Payment Per Year Tawaroq profit margin + Tawaroq fees 
 Payment Per Year  12 Payments (1 payment per month)
 Payment  Installment amount
 

Total Payment

 Principal amount plus Annual Percentage Rate per month

 

Annual Percentage Rate Example (38.75%)
Finance Amount SAR 100,000
Upfront Fees SAR 400

Upfront Insurance Fees

0

Long Term (Years)

1
Annual Percentage Rate per month 2.70%
Payment Per Year 12
Payment 9,867

Total Payment

118,405.74
 APR  39.29%

 

Annual Percentage Rate Example (32.39%)
Finance Amount SAR 100,000
Upfront Fees SAR 400

Upfront Insurance Fees

0

Long Term (Years)

1
Annual Percentage Rate per month 2.30%
Payment Per Year 12
Payment 9,631

Total Payment

115,572.47
APR 32.39%

 

Annual Percentage Rate Example (39.29%)
Finance Amount SAR 100,000
Upfront Fees SAR 600

Upfront Insurance Fees

0

Long Term (Years)

1
Annual Percentage Rate per month 2.70%
Payment Per Year 12
Payment 9,867

Total Payment

118,405.74
APR 39.29%

 

Annual Percentage Rate Example (32.91%)
Finance Amount SAR 100,000
Upfront Fees SAR 600

Upfront Insurance Fees

0

Long Term (Years)

1
Annual Percentage Rate per month 2.30%
Payment Per Year 12
Payment 9,631

Total Payment

115,572.47
APR 32.91%

 

Annual Percentage Rate Example (31.37%)
Finance Amount SAR 100,000
Upfront Fees 0

Upfront Insurance Fees

0

Long Term (Years)

1
Annual Percentage Rate per month 2%
Payment Per Year 12
Payment 9,631

Total Payment

115,572.47
APR 31.37%

 

Annual Percentage Rate Example (39.29%)
Finance Amount SAR 100,000
Upfront Fees 0

Upfront Insurance Fees

0

Long Term (Years)

1
Annual Percentage Rate per month 2.80%
Payment Per Year 12
Payment 9,926

Total Payment

119,112
APR 39.29%

The above table only an example.