Silver 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 195.50'Annual Renewal Fees for Main Card 195.5'. First-year issuance fee is separately stated as SAR 230. The page footnote says '*All Fees are VAT exclusive' but every figure is a x1.15 multiple of a round number (230 = 200 x 1.15), so the figures appear to be VAT-INCLUSIVE and the footnote appears to be wrong.source

Supplementary card

SAR 57.50'Additional Card Issuance Fees 57.50' and 'Annual Fees for Additional Card 57.50'.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' for ATM cash withdrawal. Cash transfer from card to current account is Free. From 28 August 2026 funding a digital bank from the card costs 3% + VAT capped at SAR 86.25.

Late payment

Not published

Foreign currency spend

1.15% on top of the exchange rate

Replacement card

SAR 17.25

What you get back

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

Other benefits

• Shariah compliant card
• Apple Pay and mada Pay supported
• Accepted at more than 30 million stores locally and worldwide
• Payment of card dues every 50 days (accounting cycle)
• SMS alerts for all transactions

Before you apply

• This is effectively a charge card: minimum repayment is 100% of the balance, due in one month. There is no instalment option at 0%.
• Albilad's own footnote says fees are 'VAT exclusive' but the printed figures are 1.15x round numbers, so they read as VAT-inclusive. Confirm with the branch before relying on the exact riyal amount.
• Annual renewal (SAR 195.5) is cheaper than first-year issuance (SAR 230).
• Bank Albilad does not name the card scheme (Visa/Mastercard) on this product page, so the network is unrecorded.

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.

• “Is there any profit margin if I decided to pay the card dues in installments? No, there's no profit margin: | Month until balance Repaid 1 Month | Minimum Repayment amount 100% | Credit card Monthly Rate 0% | Annual Percentage Rate 0% - Silver Credit Card product page”
• “Credit card monthly Rate: it's not applicable for this product. Annual Percentage Rate: it's not applicable for this product - Silver Credit Card product page”
• “Issuance Fees 230 | Annual Renewal Fees for Main Card 195.5 | Additional Card Issuance Fees 57.50 | Annual Fees for Additional Card 57.50 | Re-issuance Fees 17.25 - 'Cards Fees / Fees in Saudi Riyal (SR) / Silver' table”
• “Cash Withdrawal Fees from ATM: 3% of the transaction amount plus VAT, up to a maximum of 23 SR - Silver Credit Card fee table”
• “International transactions Fees: 1.15% of the transaction amount plus VAT - Silver Credit Card fee table”
• “Payment of card dues every 50 days (accounting cycle). - 'What are Albilad credit card features?'”

• Product page
• Schedule of charges