Tamkeen Plus Infinite Credit Card

What makes this card Islamic

Bank Albilad 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.

'Tamkeen Plus credit card is based on murabaha financing where goods are purchased and sold with the customer's consent to issue the card.'

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 575Promotional: 1-31 July 2026, issuance fee refunded (excluding VAT) plus SAR 350 extra cashback on minimum SAR 10,000 spend within 90 days of issuance.source

Supplementary card

SAR 0'Annual fee for Supplementary Card 0'.source

Profit rate

1.8% a month on the outstanding balanceBank states 1.8% per month; no APR published for Tamkeen Plus on the English product pages.source

Cash withdrawal

3% of the transaction amount plus VAT, up to a maximum of SAR 86.25. Cash withdrawal limit is 30% of the total card limit.

Late payment

Not published

Replacement card

SAR 17.25

What you get back

• 250,000 welcome points, credited on linking the new card to the Mukafaat Albilad Program
• No purchase transactions required; once per customer across all card types

Other benefits

• Airport VIP lounge access at over 1,200 lounges globally via Visa Airport Companion
• SmartDelay lounge access on flight delays (1,300+ lounges, 500+ airports)
• Multi-trip travel insurance for the cardholder and family over a 90-day period
• Emergency assistance: loss/theft reporting, emergency replacement, emergency cash, emergency payment authorisation
• Visa Luxury Hotel Collection (VLHC)
• Extended warranty up to 1 year beyond the manufacturer's warranty
• DragonPass 'Dine and Fly' airport dining programme

Before you apply

• No published APR for Tamkeen Plus.
• At SAR 575 the annual fee matches the (0% profit) Infinite charge card, so the choice is really 'revolve at 1.8%/month' versus 'pay in full'.
• No minimum salary is published on the Tamkeen Plus Infinite page, unlike the lower Tamkeen Plus tiers.

Can you get it?

Other conditions

Bank Albilad does not state a minimum salary on the Tamkeen Plus Infinite page itself. The sibling Tamkeen Plus Classic, Platinum and Signature pages each state 'Minimum monthly salary starting from 3,000', but that figure is NOT published on this page and has not been carried over.

What to have ready

• Salary certificate
• Salary transfer certificate (salary-transfer customers)
• GOSI letter
• Last 3-months bank statement (non-salary-transfer customers)
• Valid ID (branch applications)

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.

• “Welcome Points | Tamkeen Plus Infinite Credit Card | 250,000 - Tamkeen Plus Infinite FAQ”
• “Issuance/Annual fees for the Main (Primary) Card 575 | Annual fee for Supplementary Card 0 | Reissuance fees 17.25 - Tamkeen Plus Infinite fee table”
• “Tamkeen Plus is a high limit sharia compliant credit card allows for flexible repayment. The Card has a profit rate of 1.8% per month - Tamkeen Plus Infinite FAQ”

• Product page
• Schedule of charges