Flexi Credit Card

What makes this card Islamic

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 feeProduct page: 'ZERO annual fee'. The card does not appear as its own block in the May 2026 fee schedule.source

Profit rate

0% a month on the outstanding balance0% a year as stated by the banksource

Cash withdrawal

Not published

Late payment

Not published

What you get back

Other benefits

• Purchases split into four equal instalments at 0% and no transaction fee
• First payment on the transaction date, then three payments at minimum 30, 60 and 90 days
• Credit limit is reinstated as the instalments are repaid
• Zero annual fee
• SNB describes it as the first card of its kind in the Kingdom

Before you apply

• The 0% APR applies to LOCAL transactions within the Kingdom only - SNB publishes no rate for international use on this card.
• SNB publishes no cash advance fee, no FX markup and no replacement fee for the Flexi card, and it is absent from the May 2026 fee schedule.
• Usable at Flexi partner merchants; the partner list is loaded dynamically on the product page.

Can you get it?

Age

18 and over

Other conditions

'You must be 18 years or older.' Usable at SNB's named Flexi partner merchants.

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.

• “For the first time in The Kingdom, we are delighted to announce our newest card; Flexi Credit Card, which allows you to pay for your purchases in four equal installments with ZERO annual fee and ZERO annual percentage rate for local transactions within the Kingdom. - Flexi Credit Card product page”
• “Details | 1st Payment | 2nd Payment | 3rd Payment | 4th Payment || Payments 500 500 500 500 || Interest Charged 0% 0% 0% 0% || Transaction Fees Charged 0 0 0 0 || Duration: On the date of the Transaction | Minimum 30 Days from 1st Payment | Minimum 60 Days from 1st Payment | Minimum 90 Days 1st Payment - Flexi Credit Card worked example”
• “What you need to qualify: Age - You must be 18 years or older. - Flexi Credit Card product page”

• Product page
• Schedule of charges
• Terms and conditions