SELECTIVE 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.

Murabaha finance under Al Rajhi's standard credit card T&C: Shari'a compliant Murabaha finance is deposited into a segregated card account, with a discretionary rebate (ibra') of part of the monthly Murabaha profit when utilised amounts are repaid.

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 790Promotional 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 2.5% monthly profit rate.source

Cash withdrawal

3% for transactions below SAR 2,500, maximum SAR 75 for transactions of SAR 2,500 or more.

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
• 75,000 welcome mokafaa points when spending SAR 25,000 in the first 90 days

Other benefits

• Access to 1,200 global airport lounges
• Tasaheal instalment programme at 0% profit margin and zero processing fee
• Minimum payment as low as 5% of the monthly card statement

Before you apply

• Same SAR 790 standard fee as the Signature card, with the same earn rate — the differentiation is segment marketing and benefits, not price.
• Fee waiver is a dated promotion, not permanent.

Can you get it?

Other conditions

Marketed as a credit card exclusively for female customers.

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.

• “Issuance fee/ Annual Primary card fee — Selective 790 — Credit Cards Terms and Conditions, Schedule of charges”
• “Zero issuance fees and Annual fees valid from 1 July till 30 September 2026 — SELECTIVE Credit Card product page”
• “2.5% — SELECTIVE Credit Card product page, Profit Rate (Monthly)”
• “Earn 75,000 welcome mokafaa points when spending SAR 25,000 in the first 90 days — SELECTIVE Credit Card product page”
• “3 Points Per SAR 1 Domestic Spend And 5 Points On International Spend — SELECTIVE Credit Card product page”
• “Access to 1,200 global airport lounges — SELECTIVE Credit Card product page”
• “A Credit Card exclusively for Ladies — SELECTIVE Credit Card product page”
• “0% profit margin and ZERO processing fee — SELECTIVE Credit Card product page, Tasaheal instalment programme”

• Product page
• Schedule of charges
• Terms and conditions