Household Salary Card

What makes this card Islamic

Approved by SAB Shariah Committee, under the supervision of Saudi Central Bank (SAMA).

What it costs

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

Annual fee

SAR 90Annual fee SAR 90 excluding VAT, per the Schedule of Bank Charges.source

Profit rate

Not publishedNot applicable - prepaid product, no profit rate published.

Cash withdrawal

Cash withdrawal at SAB ATMs is free. At non-SAB ATMs, 4 free transactions per month, then SAR 2 per transaction from the fifth onwards.

Late payment

Not published

Replacement card

SAR 50

Before you apply

• All SAB published card fees exclude VAT; 15% VAT is added on top. The APR figures are calculated by SAB on a utilised credit limit of SAR 10,000 and include VAT.
• CHARITY CLAUSE PRESENT. SAB Credit Card Terms & Conditions, clause 7: "If the customer does not pay the amount due to the Bank by the agreed due date, then the Bank will impose a penalty charge on the customer and the amount will be paid to charity after deducting the actual expenses of collection if any."
• The T&C "Major Provisions" index labels the payment-default row "grace period of 20 days", and the Tawarruq objection window is also 20 days. SAMA's consumer protection framework sets a minimum 25-day grace period; SAB's own document does not state 25 days anywhere located. Recorded as published - not asserted as a breach.
• Sending the card overseas costs SAR 100. Invalid dispute fee SAR 25.
• AQSAT installment plans carry a Tawarruq profit of SAR 49 (3 months), SAR 99 (6 months), SAR 199 (12 months) or 24% for 24 months (stated as a 12% annual rate), plus a SAR 50 processing fee.
• NOT A CREDIT CARD. This is a prepaid card - SAB's own site navigation files it under Cards > Prepaid Card. It is included here only because it appears in the bank's card range; it has no profit rate, no credit limit and no Tawarruq structure.
• Replacement fee is SAR 50, above the SAR 15 SAMA Article 48 ceiling that applies to credit card reissuance. The cap is written for credit cards, so this is flagged for checking rather than asserted as a breach.
• Overseas payment (remittance) SAR 15.

Can you get it?

Other conditions

No eligibility criteria published on any English page located.

Where these figures come from

Last checked against Saudi Awwal 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.

• “Household Salary Card | Annual fee 90 | Cash withdrawal SAB ATMs Free | Cash withdrawal non SAB ATMs 4 free transactions per month. The fifth transaction onwards 2 per transaction | Replacement fee 50 | Overseas payment (Remittance) 15 - SAB Schedule of Bank Charges”
• “Should the customer settle only the minimum of the total amount due on or before due date; the Bank shall carry out a Tawarruq transaction by selling certain commodities owned by the Bank on a FUDOLY basis to the Cardholder for the Outstanding balance by one instalment for one month starting as of the due date and to settle the Card dues from the proceeds of selling the said commodities on behalf of the customer. - SAB Credit Card Terms & Conditions, clause 6”
• “If the Cardholder pays the full outstanding balance on or before the due date, no Tawarruq shall take place. - SAB Credit Card Terms & Conditions”
• “If the customer does not pay the amount due to the Bank by the agreed due date, then the Bank will impose a penalty charge on the customer and the amount will be paid to charity after deducting the actual expenses of collection if any. - SAB Credit Card Terms & Conditions, clause 7”
• “Annual Percentage Rate has been calculated based on credit limit utilized of SAR 10,000 and VAT. - SAB Credit Card Fees table”
• “3 % for transaction amount below SAR 2,500 with a maximum limit of SAR 75 for transactions equal to or above SAR 2500 - ATM Cash Withdrawal / Cash Advance / Transfer from Card to Account, SAB Credit Card Fees table”

• Product page
• Schedule of charges