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Islamic Credit Cards
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Saudi Arabia · 12 cards

Bank AlJazira Islamic credit cards

Every Shariah-compliant card Bank AlJazira currently offers, with the contract behind each one and the fee schedule it came from.

Fully Islamic bankTawarruq

Who Bank AlJazira are

A fully Islamic bank — every product it offers is Shariah-compliant.

Fully Shariah-compliant Saudi bank; the site states a commitment to '100% Shariah-compliant banking' governed by an independent Shariah Board of scholars supported by a Shariah Group. Fully paid capital SAR 12,812,500,000; CR 4030010523; Tax ID 300000226900003. Revolving card balances are settled through a Tawarruq ('Tawaroq') process set out in the credit card T&C, with a worked Tawarruq markup example printed in the Initial Disclosure. The consumer range is 12 cards: Visa Classic/Platinum/Infinite, Mastercard Platinum, Mastercard World Elite, the Ajwaa rewards family (Visa Plus, Platinum, Signature, Infinite, Digital), a Tomoh low-limit card and a Visa multi-currency card. APRs run 40.95%-45.29%, the highest published band in this three-bank batch, and are stated to be calculated on SAR 30,000 of utilised credit limit. Minimum monthly payment is 5% of the outstanding balance or SAR 200, whichever is higher; the profit waiver (grace) period is 25 days after the statement date; cash advance is capped at 30% of the available credit limit with a SAR 5,000 per-transaction cap. IMPORTANT DOMAIN NOTE: baj.com.sa did not resolve for a scripted fetch; bankaljazira.com redirects to aljazirabank.com.sa, which is the live site.

Legal name
Bank AlJazira (a Saudi Joint Stock Company)
Head office
King Abdulaziz Road, Al Shati, Building No. 7724, Jeddah 21442, Saudi Arabia (head office: Jeddah)
Regulator
Saudi Central Bank (SAMA)
Shariah board
Shariah Board (supported by the bank's Shariah Group)source
aljazirabank.com.sa

All 12 Bank AlJazira Islamic credit cards

Ajwaa Visa Digital Credit Card

1 Ajwaa reward point per SAR 1 spent internationally

Annual fee
SAR 50
Profit rate
Not published
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Ajwaa Visa Infinite Credit Card

3.5 Ajwaa reward points per SAR 1 spent internationally - the highest earn rate in the range

Annual fee
SAR 900
Profit rate
2.5% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Ajwaa Visa Platinum Credit Card

2.25 Ajwaa reward points per SAR 1 spent internationally; free lounge access at 25 airports

Annual fee
SAR 300
Profit rate
2.9% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Ajwaa Visa Plus Credit Card

2.25 Ajwaa reward points per SAR 1 spent internationally; lounge access for you and 2 guests at 1,200+ airports

Annual fee
SAR 200
Profit rate
2.9% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Ajwaa Visa Signature Credit Card

3 Ajwaa reward points per SAR 1 spent internationally; lounge access for you and 2 guests at 1,200+ airports

Annual fee
SAR 500
Profit rate
2.5% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Mastercard Platinum Credit Card

1.13 Ajwaa reward points per SAR 1 spent internationally; 8 complimentary lounge visits a year

Annual fee
SAR 200
Profit rate
2.9% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Mastercard World Elite Credit Card

1.75 Ajwaa reward points per SAR 1 spent internationally; unlimited lounge access at 1,000+ airports

Annual fee
SAR 1,000
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Tomoh Low-Limit Credit Card

Annual fee
SAR 100
Profit rate
Not published
Minimum income
Not published
Structure
Not stated

Full breakdown

Visa Classic Credit Card

0.75 Ajwaa reward points per SAR 1 spent internationally

Annual fee
SAR 150
Profit rate
2.9% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Visa Infinite Credit Card

1.75 Ajwaa reward points per SAR 1 spent internationally; lounge access for you and 2 guests at 1,200+ airports

Annual fee
SAR 700
Profit rate
2.5% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Visa Multi-currency Credit Card

Ajwaa loyalty rewards on a multi-currency card

Annual fee
SAR 75
Profit rate
Not published
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Visa Platinum Credit Card

1.13 Ajwaa reward points per SAR 1 spent internationally, plus free access to 25 lounges

Annual fee
SAR 200
Profit rate
2.9% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Other Islamic card issuers in Saudi Arabia

Al Rajhi Bank9 cards · from SAR 250Alinma Bank13 cards · from SAR 100Arab National Bank (anb)14 cards · from SAR 75Bank Albilad11 cards · from SAR 115Banque Saudi Fransi (BSF)0 cardsD360 Bank0 cardsmeem (Gulf International Bank – Saudi Arabia)4 cardsRiyad Bank15 cards · from No annual fee