Travel akthr Infinite Credit Card

What makes this card Islamic

Alinma 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.

Alinma's installment service terms name this card's contract. They describe Alinma credit cards as either Murabaha cards, which let you carry a balance from month to month, or charge cards, which you clear in full each month. This card is a Murabaha card. The bank earns its profit under an instalment sale contract for its credit card customers. Neither the product page nor the fee schedule mentions this.

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

SAR 300No Travel akthr-specific fee is published; SAR 300 is the Infinite tier fee in Alinma's single Credit Cards Charges and Fees schedule.source

Supplementary card

SAR 300Additional card issuance/renewal SAR 300 at the Infinite tier.source

Profit rate

Not publishedTwo Alinma primary sources disagree and neither is treated as overriding the other. The bank's 'Credit Cards Charges and Fees' PDF states a monthly profit rate 'From 1.9% to 2.5% (as stated in contract)' and an APR table of 22.8% (Platinum, SAR 10,000 default limit, 40 months to settle) and 22.87% (Signature, SAR 20,000 limit, 96 months). The live product pages state 'Finance Yearly Profit Rate: Starting from 34%' and 'Monthly finance profit rate: From 1.9% to 3% (as per the signed contract)'. The monthly rate is a contract-specific range in both sources, so no single monthly figure is recorded. FIELD-SEMANTICS NOTE: the 22.8%/22.87% figures are headed 'Annual Percentage Rate (APR)' in Alinma's fee schedule and are recorded in apr_pct. Alinma's product-page 'Finance Yearly Profit Rate: Starting from 34%' is a stated floor that reconciles with neither end of its own 1.9%-3% monthly range, so it is NOT recorded as an annual profit margin; profit_rate_annual_pct is null rather than derived. RE-VERIFIED 2026-09-21 (DQ-7): both documents re-read live, unchanged -- the fee PDF still states the same 1.9%-2.5%/22.8%/22.87% figures verbatim and the product page still states 'Starting from 34%'/'1.9% to 3%' verbatim. One cross-check worth recording: compound-annualising the fee PDF's own monthly ceiling, (1.025)^12-1, gives 34.49%, which is close to the product page's 34% floor -- so '34%' most plausibly a compounded annualisation of the FEE PDF's 2.5% monthly ceiling, not of the product page's own stated 3% monthly ceiling (which would compound to 42.6%). That is a plausible mechanism, not a resolution: it does not make the product page's 1.9%-3% monthly range consistent with its own 34% APR floor, so both sources stay recorded, unpicked.

Cash withdrawal

SAR 75 per ATM cash withdrawal transaction (flat, per the published Charges and Fees schedule). Cash withdrawal is limited to 30% of the credit limit.

Late payment

Not published

Foreign currency spend

2.7% on top of the exchange rate

Replacement card

SAR 15

What you get back

• Earn 8 akthr points per SAR 1 on international travel spend
• Earn 7 akthr points per SAR 1 on local travel spend
• Earn 5 akthr points per SAR 1 on other international and local spend
• Earn 3 akthr points per SAR 1 in European countries
• 50,000 welcome akthr points on activation and SAR 20,000 spend within the first 90 days
• 10,000 akthr points when spending SAR 20,000 monthly

Other benefits

• Free access to more than 1,200 airport lounges worldwide via the Visa Airport Companion app
• 0% profit margin on instalments

Before you apply

• European-country spend earns at a LOWER rate than the rest of the world — an unusual carve-out that penalises Europe travel.
• Monthly bonus points require hitting a monthly spend target that resets each month.
• No Travel akthr-specific annual fee is published; the tier fee from the general schedule is used.
• Alinma's own fee PDF and product pages state different APRs (22.8%-22.87% vs 'starting from 34%') and different card replacement fees (SAR 50 vs SAR 15).

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.

• “Monthly Profit Rate — From 1.9% to 2.5% (as stated in contract) — Alinma Credit Cards Charges and Fees PDF”
• “Minimum Payment — 5% of the payable amount shown in the account statement or SAR 100, whichever is higher — Alinma Credit Cards Charges and Fees PDF”
• “Cash Withdrawal from ATMs/per transaction — 75 SAR — Alinma Credit Cards Charges and Fees PDF”
• “International Transactions Fees / per transaction — 2.7 % — Alinma Credit Cards Charges and Fees PDF”
• “Card Replacement — 50 — Alinma Credit Cards Charges and Fees PDF”
• “Invalid Objection — 50 SAR — Alinma Credit Cards Charges and Fees PDF”
• “Arbitration of Disputed Transaction — SAR 1,875 (USD 500) — Alinma Credit Cards Charges and Fees PDF”
• “Annual Percentage Rate (APR) according to the Credit Limit of the Card: Default Credit Limit SAR 10,000 Platinum — 22.8% — 40 months until settlement; SAR 20,000 Signature — 22.87% — 96 months — Alinma Credit Cards Charges and Fees PDF”
• “Earn 50,000 Akthr welcome points upon card activation and spending SAR 20,000 within the first 90 days of card issuance — Travel akthr Infinite Credit Card product page”
• “Earn 10,000 Akthr points when spending SAR 20,000 monthly — Travel akthr Infinite Credit Card product page”
• “Earn 8 Akthr points per international riyal spent on travel. — Travel akthr Infinite Credit Card product page”
• “Earn 7 Akthr points per local riyal spent on travel. — Travel akthr Infinite Credit Card product page”
• “Earn 5 Akthr points per international riyal. — Travel akthr Infinite Credit Card product page”
• “Earn 3 Akthr points per European countries riyal. — Travel akthr Infinite Credit Card product page”
• “A card compliant with Shariah rulings and controls — Travel akthr Infinite Credit Card product page”
• “Eligibility: alinma credit cardholders (Murabaha / charge cards ) can benefit from the installment service, while other bank cards are not eligible for this service. - Alinma installment service terms and conditions for revolving and charge cards transactions, Eligibility”

• Product page
• Schedule of charges