Travel Pass Signature Credit Card (Visa)

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.

'The Travel Pass Signature Card is a Sharia-compliant credit card based on the Murabaha concept... it is based on Murabaha financing, where commodities are bought and sold with the customer's approval to issue the card.' Application requires buying the commodity, signing the commodity contract and promissory note digitally via Nafith, then selling the commodity.

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 575'Annual issuance fee for the primary card 575'. The page states '* All fees above include 15% VAT'.source

Supplementary card

SAR 402.50'Annual fee for the supplementary card 402.5' (VAT-inclusive).source

Profit rate

Not publishedThe Travel Pass Signature page does not print a monthly profit rate or an APR; it links to a separate 'profit margin calculation method' page. Left null rather than carried over from the Tamkeen Plus 1.8% figure.

Cash withdrawal

'Cash withdrawal fee - transfer from card to current account: 3% of the transaction amount + VAT, with a maximum of 86.25'.

Late payment

Not published

Foreign currency spend

2% on top of the exchange rate

Replacement card

SAR 17.25

What you get back

• 150,000 welcome points on the first purchase with the card
• Earn 7 points per SAR 1 spent internationally and 6 points per SAR 1 spent locally
• Points transferable to Saudia (Alfursan Miles), Qatar Airways (Avios), Etihad Guest and Turkish Airlines (Miles&Smiles)
• Points transferable to Accor, Radisson and Shangri-La hotel loyalty programmes
• Points convertible to shopping vouchers via the Almosafer and AlMatar apps
• Points transferable between Travel Pass cardholders

Other benefits

• Free access to over 1,200 airport lounges worldwide with Visa Airport Companion
• Comprehensive travel insurance covering trip cancellation, baggage loss, flight delay and medical emergencies
• Discounts at InterContinental hotels and on Booking
• Room upgrades, early check-in and late check-out
• Discounts on meet-and-assist services at 500 destinations with YQnow
• 1+1 offers through Xperience in the Entertainer app
• Purchase protection and extended warranty
• Flexible instalment plans for daily purchases
• Payment due on the 25th of each Gregorian month

Before you apply

• No monthly profit rate or APR is printed on the product page - you must open the separate 'profit margin calculation method' link.
• Supplementary card is expensive at SAR 402.5, unlike Tamkeen Plus where supplementary cards are free.

Can you get it?

Other conditions

Open to salary-transfer customers, non-salary-account customers and customers without salary transfer, with different document sets for each.

What to have ready

• Salary certificate
• Salary transfer confirmation document (salary-transfer customers)
• GOSI letter
• Bank statement (customers without salary transfer)
• Valid ID

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.

• “The Travel Pass Signature Card is a Sharia-compliant credit card based on the Murabaha concept. - Travel Pass Signature FAQ”
• “Get 150,000 welcome points on your first purchase using the Travel Pass Signature Credit Card (Visa). - product page headline”
• “Earn 7 points internationally and 6 points locally for every 1 [SAR] spent. - Travel Pass Signature product page”
• “Annual issuance fee for the primary card 575 | Annual fee for the supplementary card 402.5 | Reissuance or replacement fee 17.25 | International transaction fee 2% | * All fees above include 15% VAT - Travel Pass Signature fee table”

• Product page
• Schedule of charges