DufaatPlus Credit Card

What makes this card Islamic

Approved by Riyad Bank Shari'a Committee (independent), under the supervision of Saudi Central Bank (SAMA).

What it costs

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

Annual fee

No annual feeAnnual Membership Fee: Free. The bank's own FAQ states "There's no annual fees for Dufaat Plus card."source

Profit rate

0% a month on the outstanding balance0% a year as stated by the banksource

Cash withdrawal

Not published

Late payment

Not published

Foreign currency spend

2% on top of the exchange rate

Replacement card

SAR 0

What you get back

• All transactions from SAR 40 upwards are converted to 4 instalments free of charge
• Worked example published by the bank: a SAR 4,000 purchase on 10 June 2026 becomes 4 payments of SAR 1,000 on 2 Aug, 2 Sep, 2 Oct and 2 Nov 2026, with 0% interest and SAR 0 transaction fees

Other benefits

• No annual fee
• No profit charge
• Free replacement card

Before you apply

• All published Riyad Bank card fees exclude VAT; 15% VAT is added on top.
• Minimum monthly payment is the due amount of each instalment, not a percentage.
• No late payment fee is published for this card, unlike the rest of the Riyad Bank range.
• The product page does not state the card network.

Can you get it?

Age

18 and over

Other conditions

Should be 18 years of age or older; should be compliant with Riyad Bank's and SIMAH's policies for issuance of credit cards. No minimum salary is published. The online application form asks for monthly salary and current monthly obligations and returns a calculated credit limit, so eligibility is assessed case by case.

What to have ready

• Copy of valid Saudi national ID for Saudi nationals
• Copy of valid resident Identity card or Passport for non-Saudi nationals
• Salary certificate mentioning employment start date for salaried individuals

Where these figures come from

Last checked against Riyad Bank’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 Membership Fee Free - DufaatPlus Credit Card, Fees & Charges”
• “Monthly Percentage Rate Free”
• “Annual Percentage Rate Free”
• “Fees for incorrect objection S..R 25”
• “Additional fees for international transactions %2”
• “Replacement card fees Free”
• “All transaction can be converted to 4 installments free of charge starting from SAR 40”
• “There's no annual fees for Dufaat Plus card.”

• Product page
• Terms and conditions