Gold Credit Card (Charge Card)

What makes this card Islamic

Alinma Bank builds this card on a Qard Hasan contract. The bank lends you the money and you pay back exactly what you borrowed, not a penny more.

Alinma's own "alinma Credit Card / Charge Card Terms and Conditions" carries a section headed (Arabic) "terms specific to the charge card", read by OCR because the PDF's Arabic text layer does not extract as characters (font ToUnicode issue). It opens by describing the charge card as one the customer repays in full monthly with no riba-based return, then states that the amount debited from the charge card's credit limit at the transaction-registration date is treated as a loan (qard) from the Bank to the customer, recorded on the customer's account, and that the Bank charges no fee for issuing, renewing or using the card beyond what is listed in its own fee schedule. This is the qard hasan structure the corpus already uses for Standard Bank South Africa's charge card (research/structures.json). The English half of the same PDF omits this clause. Distinct from Alinma's revolving credit cards, whose installment-service terms name Murabahah (see the S02 addendum in research/raw/SA-notes-riyad-bsf-anb-sab.md).

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

What it costs

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

Annual fee

Not publishedAlinma's published Credit Cards Charges and Fees schedule covers the Platinum, Signature and Infinite CREDIT cards only; it publishes no fee line for the charge card range, and the charge card product pages state no fee.

Profit rate

Not publishedCharge card — the product page publishes no profit rate, and Alinma's general credit card fee schedule does not cover the charge card range.

Cash withdrawal

Cash withdrawal is limited to 30% of the credit limit through alinma ATMs; no fee figure is published for the charge card range.

Late payment

Not published

What you get back

• Earn rewards and points on every purchase with the akthr loyalty program (no earn rate published for the charge card range)

Other benefits

• Withdraw cash up to 30% of the credit limit through alinma ATMs
• Activate and deactivate online purchasing (CVV2) on demand
• Earn akthr loyalty points on every purchase
• Add the card to Apple Pay and mada Pay

Before you apply

• No fee, profit rate or points earn rate is published anywhere on Alinma's site for the charge card range — every cost figure for this card is unverified.
• Alinma markets these as 'Credit Card (Charge Card)', which is easy to confuse with its separately-priced credit cards carrying the same tier names.

Can you get it?

Other conditions

Applied for in the alinma app; the application asks for monthly income and expenses and a salary certificate, and the credit limit is set from salary information. No published minimum salary figure.

What to have ready

• Salary certificate

Where these figures come from

Last checked against Alinma 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.

• “Withdraw cash up to 30% of your credit limit through alinma ATMs. — Gold Credit Card (Charge Card) product page”
• “Request supplementary cards for your family members (additional charges apply). — Gold Credit Card (Charge Card) product page”
• “Earn rewards and points on every purchase with the “Akthr” loyalty program. — Gold Credit Card (Charge Card) product page”
• “هي بطاقة ائتمانية يصدرها المصرف بناء على طلب العميل بحد ائتماني... على أن يسدد العميل كامل المبالغ المستحقة بشكل شهري بدون أي عوائد ربوية — "It is a credit card issued by the Bank at the customer's request with a credit limit ... on condition the customer repays the full amounts due monthly with no riba-based returns." — Alinma Credit Card / Charge Card Terms and Conditions (Arabic, OCR), charge-card section”
• “يعد المبلغ المخصوم من الحد الائتماني لبطاقة الحسم الشهري في تاريخ التسجيل ... قرضاً من المصرف للعميل بالريال السعودي يُقيده المصرف على حساب العميل — "The amount deducted from the charge card's credit limit on the registration date ... is treated as a loan (qard) from the Bank to the customer in Saudi riyals, recorded by the Bank on the customer's account." — Alinma Credit Card / Charge Card Terms and Conditions (Arabic, OCR), charge-card section, clause 7”

• Product page