Alfursan Credit Card - Infinite

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 May 2026 fee schedule lists 'AlFursan Credit Card - Monthly Tawarrq Fees 0.30%'.

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 750Banking Fees and Charges (06 May 2026), AlFursan Credit Card block: 'Annual Fees | Visa Infinite 750 SAR'. The 2026 T&C form agrees at SAR 750.source

Supplementary card

SAR 0T&C: first three supplementary cards free, then 50% of the annual fee each.source

Profit rate

2.55% a month on the outstanding balanceBanking Fees and Charges (06 May 2026): 'Annual Percentage Rate | Visa Infinite 41.48%'. The 2026 T&C key facts table prints Monthly Percentage Rate + Tawaruq 2.55%, APR 44.65% and Credit Card Purchase Rate 27%. The newer fee schedule APR is recorded; the T&C 44.65% figure is flagged as a conflict.source

APR, as the bank publishes it

41.48%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 75 SAR.' Cash withdrawal capped at 30% of the credit limit.

Late payment

SAR 50

Foreign currency spend

2% on top of the exchange rate

Replacement card

SAR 15

What you get back

• Visa Infinite: SAR 3 of local purchases earns 1 Alfursan Mile; SAR 2 of international purchases earns 1 Alfursan Mile
• Miles deposited automatically into the customer's Saudia Alfursan membership account
• No miles on SADAD payments, bill payments, e-wallet top-ups, or spend that exceeds the credit limit in a cycle

Other benefits

• Travel and lifestyle benefits
• Airport lounge access
• Insurance benefits
• Smart Payment Plan instalment conversion

Before you apply

• SNB's fee schedule (41.48%) and its own 2026 T&C form (44.65%) disagree on the APR.
• SAR 750 annual fee needs roughly SAR 1,500+ of international spend a month before the extra mile rate over Platinum pays for itself.
• Card reactivation after lapse costs SAR 100.

Can you get it?

Other conditions

Requires an Alfursan (Saudia Airlines loyalty programme) membership account for miles to be credited.

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 Infinite 750 SAR ... Annual Percentage Rate | Visa Infinite 41.48% - SNB Banking Fees and Charges, 06 May 2026, AlFursan Credit Card block”
• “VISA Infinite | 750 | 2.55% | 44.65% - SNB Credit Card T&C 2026, 'Third: AlFursan Credit Card' fee table (conflicts with the fee schedule APR)”
• “Card Type | Spend required per 1 Mile (local purchases) | Spend required per 1 Mile (international purchases) | Visa Infinite | 3 | 2 - Alfursan Credit Card - Infinite product page”

• Product page
• Schedule of charges
• Terms and conditions