Visa Signature Credit Card

What makes this card Islamic

STC Bank builds this card on a Murabahah contract. The bank buys the thing you want, then sells it to you at a stated cost plus a stated profit, payable later.

STC Bank's Credit Cards Terms and Conditions state that card operation follows controls approved by the Bank's Shariah committee and that the bank provides Shariah-compliant financing under the MURABAHA structure, depositing it into a designated separate card account that serves as security for the obligations arising from the Murabaha transaction. This is the same Murabaha-into-a-segregated-account model Al Rajhi uses, not the Ujrah fixed-fee model dominant in the rest of the Gulf.

Approved by STC Bank Shariah Committee, under the supervision of Saudi Central Bank (SAMA).

What it costs

Every figure below comes from STC Bank’s own published documents. Where the bank does not publish a number we say so rather than estimate it.

Annual fee

SAR 750Annual membership fee, excluding VAT. Charged on initial issuance and on each annual renewal. Not charged while the card remains unactivated. STC Bank publishes one fee table covering all four card tiers. In the extracted PDF the label column and value column are offset by one row (a common bilingual-PDF layout artifact); the mapping used here is the only internally consistent reading: annual membership fees = the four tier amounts, international transaction fees = 2%, local POS and online = free, reissuance = SAR 15, cash withdrawal/transfer to current account = 3% capped at SAR 75, e-wallet top-up = free, balance inquiry = SAR 1.5, invalid dispute = SAR 25, supplementary card = the four tier amounts.source

Supplementary card

SAR 300Supplementary card fee for this tier, excluding VAT.source

Profit rate

2.75% a month on the outstanding balanceThe Terms and Conditions state a 'Profit Margin 2.75%' in the fee table and clause 10-1 confirms a MONTHLY profit rate is applied to any unpaid balance, so 2.75% is recorded as the monthly rate. STC Bank publishes no APR figure in this document, so no annual rate is recorded. Profit is avoided entirely if the full balance is paid on or before the due date.source

Cash withdrawal

3% of the transaction value, capped at SAR 75, for cash withdrawal or transfer to a current account. Electronic wallet top-up is free. Cash withdrawal may not exceed 30% of the credit limit.

Late payment

Not published

Foreign currency spend

2% on top of the exchange rate

Replacement card

SAR 15

What you get back

• Local cashback and international cashback are both listed as card benefits, but STC Bank publishes no earn rate or cap for either — the comparison table is rendered client-side and the served HTML carries no values.

Other benefits

• Airport lounge visits
• Hotel booking discounts
• 2-for-1 deals from Entertainer

Before you apply

• STC Bank's benefit comparison table is rendered client-side; the cashback percentages and lounge visit counts per tier are NOT in the served page, so no earn rate is recorded here.
• The 2.75% monthly profit rate is higher than Al Rajhi's 2.5% and above the top of Alinma's published 1.9%-2.5% range.
• Local POS and online purchases are free and e-wallet top-up is free, but cash withdrawal still costs 3% capped at SAR 75.

Can you get it?

Other conditions

Applied for in the STC Bank app with instant approval advertised. No published minimum salary figure.

Where these figures come from

Last checked against STC 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.

• “The operation of the Card shall be in accordance with the controls approved by the Bank's Shariah committee, where the Bank shall provide the Customer with Shariah-compliant financing under the Murabaha structure, depositing it into a designated and separate account for the Card, independent from the Customer's Accounts with the Bank. — STC Bank Credit Cards Terms and Conditions, clause 2-5”
• “Annual membership fees — Visa Infinite Privilege SAR 10,000 / Visa Infinite SAR 1,000 / Visa Signature SAR 750 / Visa Platinum SAR 250 (free first year) — STC Bank Credit Cards Terms and Conditions, clause 8-1 fee table”
• “Supplementary Card fees — Visa Infinite Privilege SAR 500 / Visa Infinite SAR 500 / Visa Signature SAR 300 / Visa Platinum SAR 200 — STC Bank Credit Cards Terms and Conditions, clause 8-1 fee table”
• “International transaction fees — 2% of the transaction amount — STC Bank Credit Cards Terms and Conditions, clause 8-1”
• “Local transaction fees via point-of-sale terminals or online purchases: Free — STC Bank Credit Cards Terms and Conditions, clause 8-1”
• “Credit Card reissuance fee (lost, damaged, or PIN error) — 15 SAR — STC Bank Credit Cards Terms and Conditions, clause 8-1”
• “Cash withdrawal or transfer fees to current account — 3% of the transaction value, up to a maximum of SAR 75. — STC Bank Credit Cards Terms and Conditions, clause 8-1”
• “Dispute fee for transactions and Account Statements in case the dispute is found to be invalid — 25 SAR — STC Bank Credit Cards Terms and Conditions, clause 8-1”
• “Profit Margin 2.75% — STC Bank Credit Cards Terms and Conditions, clause 8-1”
• “The minimum payment is 5% of the balance or SAR 100, whichever is higher. — STC Bank Credit Cards Terms and Conditions, clause 10-2”
• “The Cardholder shall have a grace period of 25 [days] — STC Bank Credit Cards Terms and Conditions, clause 10”
• “A monthly profit rate shall be applied to any unpaid balance, which the Cardholder is required to pay. To avoid the monthly profit, the full balance must be paid on or before the Due Date — STC Bank Credit Cards Terms and Conditions, clause 10-1”
• “The Bank may set a daily maximum for Cash Withdrawals, including ATM withdrawals ... provided that it does not exceed 30% of the Cardholder's Credit Limit. — STC Bank Credit Cards Terms and Conditions, clause 7-3”
• “The Bank reserves the right to cancel the Card if it is not activated within ninety (90) Days from the date of issuance, the annual fee will not be charged as long as the card is inactive — STC Bank Credit Cards Terms and Conditions, clause 2-3”
• “the total Fees for transactions and Card-related procedures do not exceed the maximum limits established by the Saudi Central Bank. — STC Bank Credit Cards Terms and Conditions, clause 2-7”
• “Fully Sharia-compliant — STC Bank Credit cards product page”
• “Earn cashback as you spend — STC Bank Credit cards product page”

• Product page
• Schedule of charges
• Terms and conditions