AlAhli Cashback Credit Card

What makes this card Islamic

Saudi National Bank builds this card on a Tawarruq contract. The bank sells you a commodity on credit at a marked-up price, you sell that commodity to somebody else for cash, and the cash becomes your spending limit.

Article 10 of the SNB credit card T&C governs the Tawarruq mechanism. The fee schedule prices the Tawarruq component at 0.30% per month for this card.

Approved by SNB Sharia Board, under the supervision of Saudi Central Bank (SAMA).

What it costs

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

Annual fee

No annual feeFree for the first card; SAR 100 for an additional primary card.source

Supplementary card

SAR 0Fee schedule: 'Supplementary Card Fees: Free'. T&C: first three supplementary cards free, then 50% of the annual fee each.source

Profit rate

2.8% a month on the outstanding balanceCONFLICTING BANK SOURCES. Banking Fees and Charges (06 May 2026), SNB Cashback Card block: APR 39.29%, Monthly Tawarruq Fees 0.30%. The 2026 T&C key facts table for the same card prints Monthly Percentage Rate + Tawaruq 2.8%, APR 32.84% and Credit Card Purchase Rate 30%; the UEFA Champions League card page, which is the same MasterCard Platinum Cashback product with a different design, also prints 32.84%. The newer fee schedule figure (39.29%) is recorded as the primary value and the 32.84% conflict is flagged in watch_outs. The 2.8% monthly rate is uncontested across both documents.source

APR, as the bank publishes it

39.29%An APR absorbs the annual fee and other charges as well as the profit rate, so it is higher than the profit rate above. It is the closest thing to a like-for-like cost comparison.source

Cash withdrawal

3% of the transaction amount, up to a maximum of SAR 75. Cash withdrawal limit is 30% of the credit limit. Cash withdrawals do not earn cashback.

Late payment

SAR 50

Foreign currency spend

2% on top of the exchange rate

Replacement card

SAR 15

What you get back

• Monthly purchase value SAR 0-499: 0% cashback
• SAR 500-4,999: 0.5%
• SAR 5,000-9,999: 1%
• Over SAR 10,000: 2%
• 20% cashback bonus on the cashback earned in these categories: pickups and delivery apps, food delivery apps, groceries and hypermarket, international usage, and when changing the payment method from 100% to 5%
• Purchase value counts total monthly purchases from retail, internet and cash advance inside and outside KSA

Other benefits

• No annual card fee
• Travel and lifestyle benefits
• Insurance benefits
• Smart Payment Plan instalment conversion

Before you apply

• SNB publishes two different APRs for this card: 39.29% in the May 2026 fee schedule and 32.84% in its 2026 T&C form and on the UEFA-design product page. Get the current Key Facts in writing.
• Below SAR 500 of monthly spend the cashback rate is zero.
• No cashback on SADAD payments, cash transfers, cash withdrawals or e-wallet payments.
• Cashback is not earned on purchases that exceed the credit limit within a cycle, even if you deposit extra funds.

Where these figures come from

Last checked against Saudi National 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 Fees: First card free 100 SAR for the second card | Monthly Tawarruq Fees 0.30% | Annual Percentage Rate 39.29% - SNB Banking Fees and Charges, 06 May 2026, SNB CASHBACK CARD block”
• “MasterCard Platinum Cashback & UEFA Design | Free (100 for Additional Primary Cards) | 2.8% | 32.84% | 30% | 5% | 12 months - SNB Credit Card T&C 2026, 'Second: Alahli Cash Back Card' fee table”
• “Purchase Value | Cashback Ratio | 0-499 0% | 500-4,999 0.5% | 5,000 - 9,999 1% | >10,000 2% ... * 200 Cashback cap per Card per Month, When Spending 10,000 - AlAhli Cashback Credit Card product page”
• “20% cashback bonus on the cashback received from your purchase for the following categories: - Pickups & Delivery Apps - Food Delivery Apps - Groceries & Hypermarket - International Usage - When changing the payment method from 100% to 5% - AlAhli Cashback Credit Card product page”
• “Earn cashback on your purchases with a Mastercard Cashback Credit Card from SNB and pay no annual card fees. - AlAhli Cashback Credit Card product page”

• Product page
• Schedule of charges
• Terms and conditions