Signature Credit Card

What makes this card Islamic

Approved by Bank Albilad Shariah Committee, under the supervision of Saudi Central Bank (SAMA).

What it costs

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

Annual fee

SAR 483'Annual Renewal Fees for Main Card 483'; first-year issuance SAR 517.50.source

Supplementary card

SAR 115'Additional Card Issuance Fees 115' and 'Annual Fees for Additional Card 115'.source

Profit rate

0% a month on the outstanding balance0% a year as stated by the banksource

Cash withdrawal

'3% of the transaction amount plus VAT, up to a maximum of 23 SR'.

Late payment

Not published

Replacement card

SAR 17.25

What you get back

• Enrolled in the Mukafaat Albilad loyalty programme to earn points redeemable for rewards

Other benefits

• Airport VIP lounge access at over 1,200 lounges globally via Visa Airport Companion
• Up to 12% discount on eligible Agoda bookings via the Visa Agoda portal
• Visa Luxury Hotel Collection: over 900 properties with premium booking benefits
• YQ Meet and Assist: up to 30% off retail rates at over 450 destinations (book at least 72 hours before travel)
• Buyers Protection insurance covering theft, accidental damage or non-delivery of eligible purchases
• DragonPass 'Dine & Travel' airport dining programme, over 200 airport restaurant offers globally
• Travel insurance covering the cardholder and family on all trips up to 90 days
• Extended warranty doubling the manufacturer's repair period for up to 1 year
• 24-hour Visa Signature concierge (hotline 8008443488)

Before you apply

• Charge card: 100% of the balance is due in one month; there is no revolving option at 0%.
• SAR 483 annual renewal is one of the higher Saudi Islamic card fees for a card with no profit-rate flexibility.

Where these figures come from

Last checked against Bank Albilad’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 Fees 517.50 | Annual Renewal Fees for Main Card 483 | Additional Card Issuance Fees 115 | Annual Fees for Additional Card 115 | Re-issuance Fees 17.25 - 'Cards Fees / Fees in Saudi Riyal (SR) / Signature' table”
• “Month until balance Repaid 1 Month | Minimum Repayment amount 100% | Credit card Monthly Rate 0% | Annual Percentage Rate 0% - Signature Credit Card product page”
• “Airport VIP lounges access at over 1200 airport lounges globally through Visa Airport Companion - Signature Credit Card features”

• Product page
• Schedule of charges