Signature Cashback Plus 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.

Governed by Al Rajhi's 'Credit Cards and Cashback Plus Terms and Conditions', which states the bank gives the cardholder a Shari'a compliant 'Murabaha Finance' deposited into a segregated card account, with a discretionary return of part of the monthly Murabaha profit on repayment.

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 450'Signature Cashback Plus 450' in the Cashback Plus T&C schedule of charges; the product page also states SAR 450 as the annual primary card fee. Excludes VAT.source

Supplementary card

SAR 502 free supplementary cards; SAR 50 for each additional card.source

Profit rate

2.5% a month on the outstanding balanceProduct page states 2.5% monthly. The Cashback Plus T&C PDF schedule states '2.2% for the new card' and gives worked APR examples of 35.32% (SAR 20,000), 35.16% (SAR 50,000) and 34.95% (SAR 75,000) against a 26.40% credit card purchase rate; those APRs are tied to the 2.2% figure so no APR is recorded here.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

• 15% cashback on food delivery (HungerStation) — 10% credited to the card and 5% to the wallet via promo code
• 10% cashback on dining
• 5% cashback on supermarkets
• 2% cashback on international spend
• 0.5% cashback on other local spend

Other benefits

• Access to over 1,200 global airport lounges

Before you apply

• The headline 15% food-delivery rate is split — only 10% goes to the card, the other 5% is a wallet credit requiring a promo code.
• The SAR 500 total monthly cap means the effective return falls sharply above roughly SAR 5,000 of category spend.

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 and Cashback Plus Terms and Conditions, clause 1.1”
• “Issuance fee/ Annual Primary card fee — Platinum Cashback Plus 250 ... Signature Cashback Plus 450 — Credit Cards and Cashback Plus Terms and Conditions, Schedule of charges”
• “Annual primary card — SAR 450 — Signature Cashback Plus Card product page”
• “Profit rate (monthly) — 2.5% — Signature Cashback Plus Card product page”
• “Total Monthly Cashback Cap — SAR 500 — Signature Cashback Plus Card product page”
• “Access to over 1,200 global airport lounges — Signature Cashback Plus Card product page”
• “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 and Cashback Plus Terms and Conditions, clause 3.1”

• Product page
• Schedule of charges
• Terms and conditions