Ajwaa Visa Digital Credit Card

What makes this card Islamic

Approved by Shariah Board (supported by the bank's Shariah Group), under the supervision of Saudi Central Bank (SAMA).

What it costs

Every figure below comes from Bank AlJazira’s own published documents. Where the bank does not publish a number we say so rather than estimate it.

Annual fee

SAR 50Initial Disclosure fee grid, 'Digital' column under the low-limit group; corroborated by the bank's product listing (Offer price 50 SAR). Subject to VAT.source

Profit rate

Not publishedInitial Disclosure shows '__' for Monthly Profit Margin, Annual Profit Margin and APR in the Digital column. The Minimum Monthly Payment row for this column reads 'Full Payment', so the card does not revolve.

Cash withdrawal

'15 [SAR] Per transaction' cash withdrawal fee for the low-limit Digital column (a flat per-transaction fee, not the 3%/SAR 75 formula used on the main range).

Late payment

Not published

Foreign currency spend

2% on top of the exchange rate

Replacement card

SAR 50

What you get back

• 1 rewards point for every SAR 1 spent internationally, with various redemption options

Other benefits

• Digital-first card with a low limit and a SAR 50 annual fee
• Rewards, protection and digital payment benefits
• Card re-activation is free (subject to a SAR 50 fee if a new physical card is requested)

Before you apply

• Minimum monthly payment is the FULL outstanding balance - this does not behave like a revolving credit card.
• Card replacement costs SAR 50, which exceeds the SAR 15 reissuance cap set by SAMA Article 48 for credit cards - verify with the bank whether the Article 48 cap applies to this product.
• Flat SAR 15 per cash withdrawal regardless of amount.

Where these figures come from

Last checked against Bank AlJazira’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.

• “Annual Fee* ... 50 [SAR] (Digital column, low-limit group) - ajb Credit Cards Initial Disclosure”
• “Minimum Monthly Payment ... Full Payment (Digital / Tomo low-limit columns) - ajb Credit Cards Initial Disclosure”
• “Ajwaa Visa Digital | The credit card offers a range of premium perks in addition to the highly rewarding loyalty program with 1 rewards points for every SAR 1 spent Internationally ... price 50 SAR - product ItemList JSON-LD on the AlJazira credit cards page”

• Product page
• Schedule of charges
• Terms and conditions