Alfursan Credit Card - Platinum

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 a dedicated 'AlFursan Credit Card - Monthly Tawarrq Fees 0.30%' line.

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 350Banking Fees and Charges (06 May 2026), AlFursan Credit Card block: 'Annual Fees | Visa Platinum 350 SAR'. The 2026 T&C form agrees at SAR 350.source

Supplementary card

SAR 0T&C: 'No annual fees for the first three Supplementary Cards. Over 3 Supplementary Cards: 50% of annual fees per Supplementary Card.'source

Profit rate

2.55% a month on the outstanding balance32.94% a year as stated by the banksource

Cash withdrawal

'3% of the transaction amount, up to a maximum of 75 SAR.' Cash withdrawal is 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 Platinum: SAR 3 of local purchases earns 1 Alfursan Mile; SAR 3 of international purchases earns 1 Alfursan Mile
• Miles are deposited automatically into the customer's Saudia Alfursan membership account
• No miles on SADAD payments, general bill payments, e-wallet top-ups, or spend that exceeds the credit limit in a cycle
• Miles are not transferable to another credit card account

Other benefits

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

Before you apply

• SNB's fee schedule (32.94%) and its own 2026 T&C form (36.47%) disagree on the APR.
• No bonus for international spend at this tier - both local and international earn 1 mile per SAR 3.
• 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 Platinum 350 SAR ... Annual Percentage Rate | Visa Platinum 32.94% ... AlFursan Credit Card | Monthly Tawarrq Fees 0.30% - SNB Banking Fees and Charges, 06 May 2026”
• “VISA Platinum | 350 | 2.55% | 36.47% | 27% | 5% | 12 months - 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 Platinum | 3 | 3 - Alfursan Credit Card - Platinum product page”

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• Schedule of charges
• Terms and conditions