FAQs for Credit Cards

• Do I need to have an account with Al Rajhi Bank to apply for an Al Rajhi Credit Cards?
• Are Al Rajhi Credit Cards considered Islamic cards?
• How do I apply for an Al Rajhi Credit Card?
• What do I do if my Al Rajhi Credit Card was lost or stolen?
• What do I do if Al Rajhi Bank stops my card?
• What are the fees for card issuances and renewals, and for ATM cash withdrawals?
• Can I use my Al Rajhi Credit Card to withdraw cash from other banks’ ATMs?
• How do I make the due payments of my Al Rajhi Credit Card?
• Can I use my Al Rajhi Credit Card outside the Kingdom?
• Can my family members use my Credit Card?
• Where can I use my Al Rajhi Credit Card?
• What charges are applicable to my Credit Card?
• Can I make my due payments in installments?
• What is the Reward Program?

Do I need to have an account with Al Rajhi Bank to apply for an Al Rajhi Credit Cards?

Yes, you have to open an account with Al Rajhi Bank.

Are Al Rajhi Credit Cards considered Islamic cards?

Definitely, they are fully Shariah compliant just like all the other Al Rajhi products. There are no charges, late payment fees or even hidden fees. The only required fees are those necessary for annual card renewals and the operational withdrawal fees.

What do I do if my Al Rajhi Credit Card was lost or stolen?

Immediately call the Customer Service Center and inform the employee in charge, follow up your phone call with a written notice. Please call one of the numbers listed below:

For “Infinite” and “Platinum” Cards:

• Toll free inside the Kingdom: 800 124 8880
• Fax: +966 1 460 0705
• Outside the Kingdom: +966 92000 5544

For “Gold”, “Silver”, “Laki”, “Visa Internet”, “Mini Visa”, “Tasawuq” and “Insan” Cards:

• TToll free inside the Kingdom: 92000 3344
• Fax: +966 1 460 0705
• Outside the Kingdom: +966 92000 3344

How do I apply for an Al Rajhi Credit Card?

Customers can apply very easily through:

1 - Al Mubasher Retail

• Register for the online service
• Go to “Credit Cards”
• Choose “Apply for a new card”
• Enter the required information and apply electronically

In case of approval (conditions apply), your Credit Card will immediately be delivered to you anywhere you are, through one of the delivery companies.

2 - The branches

• Visit the nearest branch
• Fill in the relevant application and submit it to the employee in charge
• The branch provides instant issuance of credit cards within 30 minutes

What do I do if Al Rajhi Bank stops my card?

Call the Customer Service number listed above and the employee in charge will be honored to help you.

What are the fees for card issuances and renewals, and for ATM cash withdrawals?

The table below explains all the fees related to each Al Rajhi Credit Card and to cash withdrawals.

Essential cards:

Card	Issuing Fees SR	Second and Third Year Fees SR	Renewal Fees SR	Cash Withdrawal Limit
Infinite	325	285	285	50% of credit limit
Platinum	325	285	285	50% of credit limit
Gold	325	285	285	50% of credit limit
Silver	325	285	285	50% of credit limit
“Laki” Platinum	325	285	285	50% of credit limit
“Laki” Gold	325	285	285	50% of credit limit
“Laki” Silver	325	285	285	50% of credit limit
Qassit	325	285	285	50% of credit limit
Tasawuq	100	100	100	100% of credit limit
Insan	100	100	100	100% of credit limit

Additional cards:

• You pay a fee of SR 16 for every cash withdrawal transaction made at any Al Rajhi ATM all over the Kingdom. And for cash withdrawal transactions made at other banks’ ATMs inside and outside the Kingdom, you pay a fee of SR 25.

Card	Issuing Fees SR	Second and Third Year Fees SR	Renewal Fees SR	Cash Withdrawal Limit
VISA “Laki” Mini	115	110	110	Not Available
Visa Mini	155	110	110	Not Available
VISA Internet	115	110	110	Not Available
Family card	115	110	110	50% of credit limit

Can I use my Al Rajhi Credit Card to withdraw cash from other banks’ ATMs?

Yes. You can withdraw cash amounts from any ATM that shows the VISA and MasterCard logos.

How do I make the due payments of my Al Rajhi Credit Card?

It is very easy; the Card’s due payment is automatically deducted from your Al Rajhi Bank current account on the due date. You can also make due payments anytime you want using any of our various electronic channels (Al Mubahser Retail, Al Rajhi Phone & Al Rajhi ATM) or by visiting our branches.

Can I use my Al Rajhi Credit Card outside the Kingdom?

Yes. Your Al Rajhi Credit Card is internationally accepted and you can use it in all your transactions both inside and outside the Kingdom.

Can my family members use my Credit Card?

No. Your Credit Card is only for your own personal use; no other parties can use it. However, you can apply for additional cards for any of your family members, knowing that all the consequent transactions will be registered on your own statement of card transactions. All you have to do to apply for an additional card is call 800 124 1222.

Where can I use my Al Rajhi Credit Card?

You can use it in more than 23 million stores around the world and to withdraw cash from ATMs. All cash transactions are subject to token fees.

What charges are applicable to my Credit Card?

No fees are applicable on the actual amount you spend.

Can I make my due payments in installments?

No, you cannot (except for “Qassit” cardholders). You need to pay the full amount when it is due, which is after a waiting period of 45 days.

What is the Reward Program?

It is a Program that offers you reward points for every shopping transaction you make using your Credit Card. You can collect the points and exchange them for special gifts from our distinguished partners.