FAQs
General
Qassit card
General
Q: Do I have to be an Al Rajhi Bank Account Holder to apply for an Al Rajhi Bank credit card?
A: Yes, you need to be an Al Rajhi Bank account holder to apply for an Al Rajhi Bank credit card.
Q: Is the Al Rajhi Bank credit card Sharia compliant?
A: Yes, all of Al Rajhi Bank’s products are fully Islamic because they are all Shariah compliant. There are no interest charges, no late fees for delayed payments, and no hidden charges. The only charges that are applicable are the annual fees and the cash withdrawal fees.
Q: How can I apply for an Al Rajhi Bank credit card?
A: Apply online now, visit any of our branches, or call 800 124 1222 to apply.
Q: What should I do if my Al Rajhi Bank credit card is lost or stolen?
A: Please contact the call centre and inform our customer service executive immediately. Follow up this call with a written communication. If you are not in the Kingdom, please call the following numbers, for particular credit cards:
For Infinite and Platinum card members
Toll free number within KSA : 800 124 8880
Fax number : +966 1 460 0705
When outside KSA : +966 920005544
For Business, Gold, Silver, Laki, Football, Virtuon Internet and Mini Card
Toll free number within KSA : 800 124 6666
Fax number : +966 1 460 0705
When outside KSA : +966 920003344
Q: What should I do if my Al Rajhi Bank credit card is declined?
A: Please call the relevant number given in item 4 above, and our customer service executive will be glad to assist you.
Q: Can I withdraw cash with my Al Rajhi Bank credit card?
A: Yes, you can withdraw cash up to 100% of your credit limit with your Al Rajhi Bank Infinite and Platinum cards, and for all other cards, you can withdraw cash up to 75% of your credit limit. All cash transactions are subject to cash advance fees of SAR 18.5 per withdrawal from an Al Rajhi Bank ATM and SAR 27.5 per withdrawal from a non-Al Rajhi Bank ATM.
Q: Can I withdraw cash from ATMs of other banks?
A: You can withdraw cash from all Visa and MasterCard affiliated ATMs. These ATMs all display the Visa and MasterCard logos.
Q: How do I make my Al Rajhi Bank credit card payments?
A: There is no additional effort required from you. The amount due for payment on your credit card is automatically debited from the current account registered with us.
Q: Can I use my Al Rajhi Bank credit card for international transactions?
A: Yes, your Al Rajhi Bank credit card is a globally accepted card that you can use for all your transactions, both in the Kingdom and abroad.
Q: Can members of my family use my Al Rajhi Bank credit card?
A: No, your Al Rajhi Bank Credit Card is for your personal use only and cannot be used by a third person. However, you may give your family members a supplementary card (hyperlink) (your blood relatives) for their exclusive use. All charges and payments for transactions made on supplementary cards will be carried by you.
To make a gift of a supplementary card, simply call 800 124 1222. You do not need any documentation or signature to get a supplementary card issued.
Q: Where can I use my Al Rajhi Bank credit card?
A: Your globally valid Al Rajhi Bank credit card can be used in any of the 23 million Visa and MasterCard merchant outlets across the world. You can also use your Al Rajhi Bank credit card to withdraw cash from ATMs. As indicated above, cash transactions attract a nominal transaction fee.
Q: What is the interest rate on an Al Rajhi Bank credit card?
A: Please note that there is absolutely no interest charge applicable to the amount you spend.
Q: Can I revolve the unpaid balance on my Al Rajhi Bank Credit Card?
A: No, you cannot. You need to pay the Bank in full at the end of each month.
Q: Where do I obtain an application form for the Al Rajhi Bank credit card?
A: For your convenience, you may apply online and wait for us to call you to complete the application process. Or download an application form and submit it at one of our branches. Application forms are also available at all Al Rajhi Bank branches in your city. If you need more information, you may call the 24 Hour Bank by Phone service and our customer service executive will be glad to assist you.
Qassit Card
Q: What is Qassit credit card?
A: Qassit card gives you the purchase power to shop and withdraw cash to meet your needs and repay in monthly installments.
Q: Is Qassit credit card fully compliant with the Islamic principles?
A: Like all of Al Rajhi bank products, Qassit card is fully Sharia compliant.
Q: What is the profit margin on the credit limit?
A: There is no profit margin or extra charges; you are entitled to install your payments without any extra charge or profit.
Q: How will you calculate my monthly repayments?
A: Your monthly repayments will be calculated as per following examples:
- Example 1
If you spend 1800 SR the system will calculate as follows:
5% of 1800 = 90 SR, therefore, you are required to pay SR 100 because it's greater in value than the 5% and the remaining amount is SR 1,700.
In the following month you will have (3000-1800 +100) = SR 1,300 as credit limit that you will be able to spend.
If you spend SR 1,300, in the following month, which is the remaining credit limit, the system calculates the repayment as follows:
5% of the total amount owed (1700 +1300 = 3000 SR) = SR 150, therefore, you are required to pay SR 150 because it's greater than SR 100.
- Examples 2
If you spend SR 2,500 from the card's credit limit, the system will calculate as follows:
5% of 2500 = SR 125, therefore, you are required to pay SR 125 because it's greater than SR 100 and the remaining amount is SR 2,375.
Q: How much is the charge on the cash withdrawal?
A: If you withdraw cash from Al Rajhi ATMs then you will be required to pay SR 15 only; however if you withdraw from other banks ATMs you will be required to pay SR 24 on every transaction.
Q: What is the maximum monthly cash withdrawal amount?
A: The maximum cash withdrawal amount is 50% of the card's credit limit.
Q: What is the "Rewards" program?
A: Through this reward program you will collect points every time you use your card, these points can be redeemed to get different items.
Q: Am I entitled to enter the "Rewards" program once I receive my Qassit credit card?
A: Yes, like all our credit card benefits, you're automatically enrolled in the "Rewards" program.
Q: Should I have a current account in Al Rajhi Bank to get a Qassit credit card?
A: Yes, you should have a current account, and if you don't have you can easily open an account by visiting the nearest branch.
Q: Is it necessary to transfer my salary to the Bank?
A: Yes, you are required to fill the salary transfer application.
Q: Am I allowed to repay the amount due earlier?
A: Yes, you can repay earlier than the due date.