Saudi Arabia · 14 cards
Every Shariah-compliant card Saudi National Bank currently offers, with the contract behind each one and the fee schedule it came from.
A fully Islamic bank — every product it offers is Shariah-compliant.
Saudi Arabia's largest bank, formed by the 2021 merger of the National Commercial Bank (NCB) with Samba Financial Group. Licensed by Royal Decree No. 3737 dated 20/4/1373H (26/12/1953G); paid-up capital SAR 60,000,000,000; CR 4030001588. The website footer states 'Any reference to the National Commercial Bank, NCB or the Bank shall mean the Saudi National Bank'. Every consumer credit card runs on Tawarruq: Article 10 of the 2026 credit card T&C is headed 'Tawaruq Mechanism' and the customer irrevocably authorises the bank to execute it whenever less than the full statement balance is paid; the fee schedule prices the Tawarruq component separately at 0.30% per month on top of the monthly percentage rate. SNB is the only bank of the three that publishes a LATE PAYMENT FEE (SAR 50 after 60 days past due) and the only one with an explicit CHARITY CLAUSE: the fine 'will be spent on charitable causes after deducting the bank's costs in demanding the customer to pay... under the supervision of the bank's Sharia Board'. SAMA-mandated items are all published: 25-day payment window from statement date, 5% minimum payment (or SAR 5, whichever is greater), 30% cash-withdrawal cap on the credit limit, and per-card APRs. APRs on the standard AlAhli cards are income-banded (below vs above SAR 4,000 monthly income). Wessam, Elite and Private Banking tiers are exempt from annual fees per the May 2026 fee schedule and share a 26.81% APR. WARNING: SNB's own three primary documents (the 06 May 2026 Banking Fees and Charges PDF, the 2026 credit card T&C form, and individual product pages) disagree on the APR and/or annual fee for at least six cards - see the per-card watch_outs. IMPORTANT DOMAIN NOTE: snb.com is Webster Bank (US), NOT Saudi National Bank; alahli.com is the correct domain.
Saudi National Bank
AlAhli Cashback Credit Card
Up to 2% cashback on monthly spend, capped at SAR 200 a month
Full breakdown
Saudi National Bank
AlAhli Cashback Premium Credit Card
Up to 11% cashback on fuel, with unlimited overall monthly cashback
Full breakdown
Saudi National Bank
AlAhli Credit Card - Platinum
1.5 LAK points per SAR 1 on both local and international spend
Full breakdown
Saudi National Bank
AlAhli Credit Card - Titanium
1.0 LAK point per SAR 1 of local spend and 1.5 per SAR 1 of international spend
Full breakdown
Saudi National Bank
AlAhli Wessam Gold Credit Card - World
2.0 LAK points per SAR 1 on local and international spend, with no annual fee
Full breakdown
Saudi National Bank
AlAhli Wessam Platinum Credit Card - World
2.0 LAK points per SAR 1 local and 2.5 per SAR 1 international, with no annual fee
Full breakdown
Saudi National Bank
Alfursan Credit Card - Infinite
1 Alfursan Mile per SAR 2 spent internationally, 1 per SAR 3 locally
Full breakdown
Saudi National Bank
Alfursan Credit Card - Platinum
1 Alfursan Mile for every SAR 3 spent, locally or internationally
Full breakdown
Saudi National Bank
Elite World Elite Credit Card
2.0 LAK points per SAR 1 local and 2.5 per SAR 1 international, with no annual fee
Full breakdown
Saudi National Bank
Flexi Credit Card
Full breakdown
Saudi National Bank
Global Multi Currency Credit Card
Zero FX markup across 4 default currency wallets, plus LAK Rewards points
Full breakdown
Saudi National Bank
Private World Elite Credit Card
Full breakdown
Saudi National Bank
Private World Legend Credit Card
Full breakdown
Saudi National Bank
UEFA Champions League Credit Card
Up to 2% cashback (SAR 200/month cap) on a UEFA Champions League branded card
Full breakdown