FAQs for Credit Cards

• Do I have to be an Al Rajhi Bank Account Holder to apply for an Al Rajhi Bank credit card?
• Is the Al Rajhi Bank credit card Sharia compliant?
• How can I apply for an Al Rajhi Bank credit card?
• What should I do if my Al Rajhi Bank credit card is lost or stolen?
• What should I do if my Al Rajhi Bank credit card is declined?
• What is the fees structure for al Rajhi Credit cards?
• Can I withdraw cash from ATMs of other banks?
• How do I make my Al Rajhi Bank credit card payments?
• Can I use my Al Rajhi Bank credit card for international transactions?
• Can members of my family use my Al Rajhi Bank credit card?
• Where can I use my Al Rajhi Bank credit card?
• What is the interest rate on an Al Rajhi Bank credit card?
• Can I revolve the unpaid balance on my Al Rajhi Bank Credit Card?
• Where do I obtain an application form for the Al Rajhi Bank credit card?

Do I have to be an Al Rajhi Bank Account Holder to apply for an Al Rajhi Bank credit card?

Yes, you need to be an Al Rajhi Bank account holder to apply for an Al Rajhi Bank credit card.

Is the Al Rajhi Bank credit card Sharia compliant?

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.

What should I do if my Al Rajhi Bank credit card is lost or stolen?

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 92000 5544

For Business, Gold, Silver, Laki, Internet and Mini Card

• Toll free number within KSA: 800 124 6666
• Fax number: +966 1 460 0705
• When outside KSA: +966 92000 3344

What should I do if my Al Rajhi Bank credit card is declined?

Please call the relevant number given in item 4 above, and our customer service executive will be glad to assist you.

What is the fees structure for al Rajhi Credit cards?

The table below shows all the fees for Al Rajhi credit cards in addition to cash withdrawal limit per card.

Primary Cards

Card	Issuing Fees SR	Second and Third Year Fees SR	Renewal Fees SR	Cash Withdrawal Limit
Tasawaq	100	100	100	100% of credit limit
Ensan	100	100	100	100% of credit limit
Qassit	296	262	275	50% of credit limit
Visa Infinite	296	262	275	50% of credit limit
Platinum	296	262	275	50% of credit limit
Gold	296	262	275	50% of credit limit
Silver	296	262	275	50% of credit limit
Laki (Platinum, Gold and Silver)	296	262	275	50% of credit limit

Supplementary Cards

• Please also note that when using your credit card for the cash withdrawal, a fee of 16 SR per transaction will be charged when using Al Rajhi ATM machines and 25 SR for the ATMs of the other banks

Card	Issuing Fees SR	Second and Third Year Fees SR	Renewal Fees SR	Cash Withdrawal Limit
Visa Laki Mini	114	80	93	Not Available
Visa Mini	114	80	93	Not Available
Visa Internet	114	80	93	Not Available
Family card	114	80	93	50% of credit limit

Can I withdraw cash from ATMs of other banks

You can withdraw cash from all Visa and MasterCard affiliated ATMs. These ATMs all display the Visa and MasterCard logos.

How do I make my Al Rajhi Bank credit card payments?

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.

Can I use my Al Rajhi Bank credit card for international transactions?

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.

Can members of my family use my Al Rajhi Bank credit card?

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.

Where can I use my Al Rajhi Bank credit card?

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.

What is the interest rate on an Al Rajhi Bank credit card?

Please note that there is absolutely no interest charge applicable to the amount you spend.

Can I revolve the unpaid balance on my Al Rajhi Bank Credit card?

No, you cannot. You need to pay the Bank in full at the end of each month.

Where do I obtain an application form for the Al Rajhi Bank credit card?

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.