AlAhli Credit Card - Titanium

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.

SNB's credit card T&C dedicate Article 10 to the Tawarruq mechanism, defined as 'a process of buying and selling a commodity whereby the bank sells the commodity it owns to the customer at a deferred price, then the customer sells it at another price to third parties.' The customer irrevocably authorises the bank to perform the Tawarruq on his behalf whenever less than the full statement balance is paid. The fee schedule shows a separate 'Monthly Tawarruq Fees 0.30%' component on top of the monthly rate.

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

SAR 400Banking Fees and Charges (06 May 2026), Credit Cards / Annual Fees row: 'Visa Basic | MasterCard Titanium 400 SAR'. The 2026 credit card T&C form gives the same SAR 400.source

Supplementary card

SAR 0Fee schedule: 'Supplementary Card Fees: Free'. The T&C qualify this: 'No annual fees for the first three Supplementary Cards. Over 3 Supplementary Cards: 50% of annual fees per Supplementary Card.'source

Profit rate

2.95% a month on the outstanding balance35.52% a year as stated by the banksource

Cash withdrawal

'3% of the transaction amount, up to a maximum of 75 SAR.' The T&C phrase it as '3% with a cap of 75 SAR (On any transaction greater than 2,500 SAR)'. Cash withdrawal limit is 30% of the credit card limit.

Late payment

SAR 50

Foreign currency spend

2% on top of the exchange rate

Replacement card

SAR 15

What you get back

• 1.0 LAK point per SAR 1 on local purchases; 1.5 LAK points per SAR 1 on international purchases
• Points redeemable via the LAK page in the SNB app for air miles, hotel bookings, e-vouchers or cashback
• No points on SADAD payments, cash withdrawals, general bill payments, e-wallet top-ups or Smart Payment Plan conversions

Other benefits

• Travel and lifestyle benefits and airport lounge access determined by Mastercard/Visa scheme rules
• Insurance benefits included with the AlAhli Credit Card
• Smart Payment Plan instalment conversion
• Statements issued on the 10th of each month, payment due 25 days after statement issuance
• E-wallet top-up is free of charge

Before you apply

• SNB's own documents disagree on the APR: the May 2026 fee schedule says 41.68% (income under SAR 4,000) / 35.52% (income over SAR 4,000), while the 2026 T&C form says 43.47%. Ask for the current Key Facts before signing.
• APR is income-banded - earning under SAR 4,000 a month costs roughly 6 percentage points more.
• Card reactivation after lapse costs SAR 100.
• Points are cancelled entirely if all your SNB credit card accounts are closed, for any reason.

Can you get it?

Age

21 and over

Other conditions

Must hold an SNB current account. Must be 21 years or older. Supplementary cardholders must be 15 or older, hold a valid ID, be a first-degree relative of the primary cardholder, and apply in person at a branch.

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 | Visa Basic | MasterCard Titanium | 400 SAR - SNB Banking Fees and Charges, 06 May 2026”
• “Annual Percentage Rate | Mass Segment | Monthly Income < 4,000 SAR : 41.68% | Monthly Income > 4,000 SAR : 35.52% | MasterCard Titanium - SNB Banking Fees and Charges, 06 May 2026”
• “Tawaruq Mechanism: It is a process of buying and selling a commodity whereby the bank sells the commodity it owns to the customer at a deferred price, then the customer sells it at another price to third parties. - SNB Credit Card Terms and Conditions 2026, definitions”
• “Due Date for Card Transactions: All amounts owed by the customer must be paid within a maximum period of 25 days from the date of issuance of the card account statement - SNB Credit Card Terms and Conditions 2026”
• “he is obliged to pay the full amount of the balance or to pay the minimum amount to be paid monthly to the bank from the amount of the debit balance due from him, which is (5%) of the amount due or an amount of 5 riyals of the amount due, whichever is greater to the bank within 25 days from the date of issuing the account statement - SNB Credit Card T&C 2026, Article 9”
• “the customer will automatically be charged a fine of (50) Saudi Riyals, provided that the fees do not exceed the outstanding amount due, and this fine will be spent on charitable causes after deducting the bank's costs in demanding the customer to pay - if any, This is under the supervision of the bank's Sharia Board - SNB Credit Card T&C 2026, Article 11 (Delay Fines)”
• “Card Category MasterCard Titanium | Earned Points per 1 SAR (Local Purchase) 1.0 | Earned Points per 1 SAR (International Purchase) 1.5 - SNB Credit Card T&C 2026, LAK Program table”
• “Statements are issued on the 10th of each month, and the credit payment due date is 25 days after the statement issuance date. - AlAhli Credit Card - Titanium product page FAQ”
• “To qualify, you must have an SNB current account. ... You must be 21 years or older. - AlAhli Credit Card - Titanium product page”

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• Terms and conditions