Infinite Credit Card

What makes this card Islamic

Al Rajhi Bank builds this card on a Murabahah contract. The bank buys the thing you want, then sells it to you at a stated cost plus a stated profit, payable later.

Al Rajhi's credit card T&C states the bank grants the cardholder a Shari'a compliant 'Murabaha Finance' and deposits the funds into a segregated card account which the bank may not use and which is not treated as a loan to the bank. When the cardholder repays utilised amounts, the bank undertakes to return a portion of the monthly Murabaha profit (an ibra'/rebate) at its absolute discretion. This is materially different from the Ujrah (fixed fee) structure dominant elsewhere in the Gulf.

Approved by Al Rajhi Bank Shariah Board, under the supervision of Saudi Central Bank (SAMA).

What it costs

Every figure below comes from Al Rajhi Bank’s own published documents. Where the bank does not publish a number we say so rather than estimate it.

Annual fee

SAR 990Promotional waiver advertised on the product page: 'Zero issuance fees and Annual fees valid from 1 July till 30 September 2026'.source

Supplementary card

SAR 50First 2 supplementary cards free; SAR 50 for the 3rd card onwards.source

Profit rate

2.5% a month on the outstanding balanceProduct page states a monthly profit rate of 2.5%. The bank's published Credit Cards T&C PDF schedule of charges states '2.2% for the new card' and gives worked APR examples of 35.32% (SAR 20,000 due), 35.16% (SAR 50,000) and 34.95% (SAR 75,000) against a 26.40% credit card purchase rate. Because those APR examples are tied to the T&C's 2.2% figure and not to the 2.5% quoted on the live product page, no APR is recorded for this card.source

Cash withdrawal

3% for transactions below SAR 2,500, with a maximum limit of SAR 75 for transactions equal to or above SAR 2,500. Cash withdrawal/transfer is free of charge for the first 100 days from card issuance. Cash withdrawal capped at 30% of the credit limit (SAMA rule).

Late payment

Not published

Foreign currency spend

2% on top of the exchange rate

Replacement card

SAR 15

What you get back

• Earn 3 mokafaa points per SAR 1 of domestic spend
• Earn 5 mokafaa points per SAR 1 of international spend
• 150,000 welcome mokafaa points when spending SAR 25,000 in the first 90 days from card issuance

Other benefits

• Access to over 1,200 global airport lounges
• Local and international cash withdrawal up to 30% of the credit limit
• Tasaheal instalment programme allows conversion of transactions into monthly instalments

Before you apply

• The zero-fee offer is a dated promotion (1 July to 30 September 2026), not a permanent free-for-life fee; the standard fee is SAR 990.
• The published T&C schedule and the live product page state different monthly profit rates (2.2% vs 2.5%).
• Minimum payment is 5% of the amount or SAR 100, whichever is higher; the bank's own worked example shows a SAR 20,000 balance taking 117 months to clear at the minimum.

Where these figures come from

Last checked against Al Rajhi Bank’s published documents on 2026-08-17. Banks change fees without notice, so treat the bank’s own document as the final word, not this page.

• “The bank shall give the cardholder a Shari'a compliant "Murabaha Finance" and deposit the funds in an account specified for the card. — Credit Cards Terms and Conditions, clause 1.1”
• “In case of using the card for purchases or cash withdrawal, cardholder shall return the utilized amounts to the Card Account and, in such case, the Bank hereby undertakes to return a portion of the monthly profit of the Murabaha Finance, subject to the absolute discretion of the Bank. — Credit Cards Terms and Conditions, clause 1.9”
• “Issuance fee/ Annual Primary card fee — Platinum 490 Signature 790 / Infinite 990 Selective 790 — Credit Cards Terms and Conditions, Schedule of charges (Amount SAR, excluding VAT)”
• “Supplementary Card — Free for first 2 cards, 3rd card onwards SAR 50 — Credit Cards Terms and Conditions, Schedule of charges”
• “Cash Withdrawal (via ATM)/Transfer from card to current account — 3% for transactions below SAR 2500, with a maximum limit of SAR 75 for transactions equal to or above SAR 2500 — Credit Cards Terms and Conditions, Schedule of charges”
• “Replacement fee — SAR 15 — Credit Cards Terms and Conditions, Schedule of charges”
• “alrajhi bank credit card holders shall have a grace period not less than 25 days form the account statement date for settling their bill amount. — Credit Cards Terms and Conditions, clause 3.1”
• “Zero issuance fees and Annual fees valid from 1 July till 30 September 2026 — Infinite Credit Card product page”
• “2.5% — Infinite Credit Card product page, monthly profit rate”
• “Earn 150,000 welcome mokafaa points when spending 25,000 in the first 90 days — Infinite Credit Card product page”
• “Earn 3 points per SAR 1 domestic spend and 5 points on international spend — Infinite Credit Card product page”
• “Access to over 1,200 global airport lounges — Infinite Credit Card product page”
• “Local & international cash withdrawal up to 30% of your credit limit — Infinite Credit Card product page”

• Product page
• Schedule of charges
• Terms and conditions