Tamkeen 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 770.50'Annual Fees 770.5'; issuance/renewal stated separately as SAR 805. Table header is 'Tamkeen Platinum'.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'. Cash withdrawal limit is 30% of the card limit.

Late payment

Not published

Foreign currency spend

1.15% on top of the exchange rate

Replacement card

SAR 17.25

What you get back

Other benefits

• Instalment repayment at 0% profit margin: 5% of the outstanding amount or SAR 200, whichever is higher
• Payments deducted automatically on the 25th of each Gregorian month
• POS limit is 100% of the available credit limit
• Early full settlement permitted

Before you apply

• The zero profit rate is paid for up front: SAR 770.5 annual fee is the highest on Albilad's consumer range apart from Travel Pass Infinite.
• Credit limit is capped at SAR 15,000 per the bank's own example footnote.
• Cash withdrawal is capped at 30% of the card limit (the SAMA cap).

Can you get it?

Other conditions

Maximum credit limit for this product is SAR 15,000 (stated in the bank's own repayment example footnote).

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.

• “Tamkeen credit card allows the purchase of any product, anywhere, from any store and then pay back the due amount in an easy installments with no interest or profit margin! - Tamkeen Credit Card product page”
• “Monthly payment of only 5% of the due amount or 200 SAR, whichever is higher. Payments are automatically deducted on the 25th of each month. - Tamkeen Credit Card, Terms and Conditions section”
• “46 Months | %5 or 200 SAR which higher | 0% | 0% - Tamkeen disclosure table (Month until balance Repaid | Minimum Repayment amount | Credit card Monthly Rate | Annual Percentage Rate)”
• “Issuance fee-Renewal 805 | Annual Fees 770.5 - 'Tamkeen Card Fees / Fees in Saudi Riyal (SR) / Tamkeen Platinum'”
• “What is the cash withdrawal limit on the card? 30% of the credit limit of the card. - Tamkeen FAQ”

• Product page
• Schedule of charges