UEFA Champions League 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.

The product page states plainly 'Shariah complaint [sic]'. Article 10 of the SNB credit card T&C governs the Tawarruq mechanism, and the 2026 T&C treat this card as the 'MasterCard Platinum Cashback & UEFA Design' variant of the AlAhli Cashback 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 feeProduct page fee table: 'Issuance Fees Free | Annual Fees Free'. In the 2026 T&C the UEFA design shares the Cashback card's fee line, which adds SAR 100 for an additional primary card.source

Profit rate

2.8% a month on the outstanding balance32.84% a year as stated by the banksource

Cash withdrawal

Product page fee table states 'Cash Withdrawal Fees 75 [SAR]'. The T&C for the same card family state '3% with a cap of 75 SAR (On any transaction greater than 2,500 SAR)'.

Late payment

SAR 50

Foreign currency spend

2.85% on top of the exchange rate

Replacement card

SAR 50

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%
• Eligible transactions: all purchases and electronic payments, except SADAD, cash transfer, cash withdrawal and e-wallet payments

Other benefits

• Exclusive UEFA Champions League card design
• Offers to win UEFA Champions League match tickets
• Special offers and discounts at global partner outlets linked to the programme
• Travel insurance coverage provided by Mastercard
• Mastercard Travel & Lifestyle Services (MTLS)
• Mastercard Airport Experience via Mastercard Travel Pass for worldwide lounge access
• Smart Payment Plan
• Credit shield and Himayati plus (terms apply)

Before you apply

• International transaction fee is 2.85%, higher than the 2% on SNB's other credit cards AND above the SAMA Article 48 ceiling of 2% for international purchases - query this with the bank.
• Lost card replacement is SAR 50 here versus SAR 15 elsewhere in SNB's range, and above the SAMA Article 48 reissuance ceiling of SAR 15.
• Below SAR 500 of monthly spend the cashback rate is zero.

Can you get it?

Other conditions

'Available to all customer segments.' Applications via AlAhliOnline, SNB Mobile, branches or phone sales on 8002441005.

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.

• “Card Type Mastercard | Issuance Fees Free | Annual Fees Free | Cash Withdrawal Fees 75 | Credit Card Purchase Rate 30% | Monthly Percentage Rate 2.8% | Lost Card Replacement Fees 50 | International Transaction Fees 2.85% | Annual Percentage Rate (APR) 32.84% | Maximum Cashback per Month 200 - UEFA Champions League Credit Card, 'Fees and Cashback Information' table”
• “Purchase Value | Cashback Ratio | 0-499 0% | 500-4,999 0.5% | 5,000 - 9,999 1% | >10,000 2% - UEFA Champions League Credit Card product page”
• “Shariah complaint | Flexible monthly payment | Credit shield, Himayati plus terms and conditions applied | Available to all customer segments - UEFA Champions League Credit Card features list”

• Product page
• Schedule of charges
• Terms and conditions