Tamkeen Card Fees

Credit Card Type

Tamkeen Credit Card

​Issuance fees*

​SAR 400 

Annual fee for main card SAR 388

Annual fee for supplementary card SAR 100

Replacement card fees SAR 34

Fees for issuing an international replacement card SAR 50-148

Cash withdrawal fees

SAR 20 

​Cash withdrawal ON-US

​SAR 20 + OIF+15% on the OIF 

Additional statement SAR 20 

Transaction dispute SAR 50 

Optional Issuer Fees (OIF) for any transaction other than SAR 1.15%

All Fees are VAT exclusive.

The Tamkeen Plus Platinum Credit Card is your ideal choice, enabling you to shop online, at points of sale, or withdraw cash with ease, both inside and outside the Kingdom. The card also features a higher credit limit and the ability to repay used amounts in easy monthly installments of 5% or SAR 200, whichever is higher, all in compliance with Sharia Committee guidelines.

Tamkeen Plus Platinum Credit Card Benefits

Compliant with Sharia Committee guidelines

Lowest profit margin in the Kingdom for flexible payment of card dues (1.8%).

The welcome bonus points offer upon use is available for new applications until May 5, 2025.

The welcome points offer is available for new orders until May 31, 2025.

The return offer of up to 1.49% on everyday purchases with Albilad Rewards is available until May 31, 2025.

The free-for-life Tamkeen Plus card is available until May 31, 2025.

The card can be used for online purchases, in stores, or at ATMs in Saudi Arabia and abroad.

Easily add the card to Apple Pay and Mada Pay.

Access to some premium airport lounges with the Tamkeen Plus Platinum credit card through the Visa Airport Companion program, provided by Visa International. For more information, click here.

Protection: The card provides protection for its holder, covering medical and legal referrals, as well as purchase protection.

Receive regular account statements.

Track your purchases via text messages.

Benefit from the Albilad Rewards Program to earn travel and tourism rewards, vouchers, or even cashback.

Many ongoing and seasonal offers and discounts.

Competitive foreign currency exchange rates when shopping around the world.

Salary transfer is not required to obtain the card.

The Smart Delay service provides you with free access to one of more than 1,300 airport lounges in more than 500 airports in over 100 countries in the event your flight is delayed

Apply for the Tamkeen Plus Credit Card (Visa) through the Albilad app, free for life, and enjoy the following offers:

✅ 15,000 welcome points upon issuance and activation.

✅ 15,000 additional points upon card use.

✅ Up to 1.49% return on your daily purchases.

Cards Fees

​Issuance fees

​SAR 200

Annual fee

SAR 183

Supplementary card fee

SAR 50

Lost card delivery fee (local)

SAR 32

Lost card delivery fee (international) SAR 50-148

Cash withdrawal ON-US

SAR 20+OIF+15% on the OIF

Cash withdrawal

SAR 20

Card statement 

SAR 20

Claim objection

SAR 50

OIF

1.15%

*All Fees are VAT exclusive

A valid national ID or valid residency.

The customer must be over 18 years old.

What are Albilad credit card features? 

Shariah compliant card 

Online shopping in an easy secure way. 

Supports Apple Pay and Mada Pay. 

Benefiting of Mukafaat Albilad loyalty Program to earn points and redeem them for exciting rewards. 

Competitive currency exchange rate when buying in foreign currencies. 

Accepted at more than 30 million stores locally and worldwide. 

Cash withdrawals at ATMs, locally and internationally. 

SMS alerts for all transactions. 

Payment of card dues every 50 days (accounting cycle). 

Manage the card online through Albilad Net

Introducing one of a kind experience, The Silver Credit Card from Bank Albilad provides one-stop payment solution for our customers. With transactions secured and confidentiality of accounts maintained, you can enjoy buying products online or in stores, locally and internationally with the least worries

Cards Fees 

Issuance fees 

SAR 400 

Annual fee 

SAR 388 

Supplementary card fee 

SAR 100 

Lost card delivery fee (local) 

SAR 34 

Lost card delivery fee (international) 

SAR 50-148 

Cash withdrawal ON-US 

SAR 20 + OIF+15% on the OIF 

Cash withdrawal 

SAR 20 

Card statement 

SAR 20 

Claim objection 

SAR 50

A valid national ID or valid residency.

The customer must be over 18 years old.

What are the Platinum credit card features? 

Airport VIP lounges access: Experience the luxuries life with Airport VIP lounges access at 25 airport lounges globally through Dragonpass. For more informationclick here 

Purchase Protection: This feature provides you with the protection against the theft or accidental damage of your purchases. 

Global Emergency Assistance Services: This feature includes the following: 

- Block your account from fraudulent purchases within 30 minutes. 

- Arrange for a replacement card to be sent to you within 3 working days. 

- Provide for emergency cash to be collected from 270,000 locations worldwide. 

Extended warranty: Doubles the repair period offered by the original manufacturer ’s warranty for up to 1 year 

General Benefits: this includes 

- Lifestyle offers and benefits 

- Shopping privileges 

For more info about card features provided by Visa, click here 

*Terms and conditions apply 

Additional features of Albilad credit cards 

Shariah compliant card 

Online shopping in an easy secure way. 

Supports Apple Pay and Mada Pay. 

Benefiting of Mukafaat Albilad loyalty Program to earn points and redeem them for exciting rewards. 

Competitive currency exchange rate when buying in foreign currencies. 

Accepted at more than 30 million stores locally and worldwide. 

Cash withdrawals at ATMs, locally and internationally. 

SMS alerts for all transactions. 

Payment of card dues every 50 days (accounting cycle). 

Manage the card online through Albilad Net

From travel to shopping to dining and more, the Platinum credit card from Bank Albilad lets you enjoy a wide range of attractive lifestyle privileges and experiences.

​Cards Fees 

Issuance fees 

SAR 450 

Annual fee 

SAR 450 

Supplementary card fee 

SAR 100 

Lost card delivery fee (local) 

SAR 69 

Lost card delivery fee (international) 

SAR 50-148 

Cash withdrawal ON-US 

SAR 20 + OIF+15% on the OIF 

Cash withdrawal 

SAR 20 

Card statement 

SAR 20 

Claim objection 

SAR 50

A valid national ID or valid residency.

The customer must be over 18 years old.

Package of Services and Benefits

Access to luxurious airport lounges: Experience a world of luxury at more than 1,200 airports worldwide for you and a guest of your choice with the Albilad Signature Credit Card through the Visa Airport Companion program provided by Visa International.

Enjoy a 12% discount with Agoda

Enjoy a 12% discount on bookings at more than 985,000 hotels and vacation rentals worldwide with Agoda.

Visa Luxury Hotel Collection (VLHC)

VLHC includes a collection of more than 900 luxury and distinctive hotels. This group ranges from small boutique hotels to world-famous hotels, offering a range of exceptional benefits for a unique experience.

YQ Meet & Greet Service*

You'll receive a 30% discount on retail prices at over 450 destinations worldwide when booking with Signature cards.

*Reservations for services must be made at least 72 hours prior to travel.

Purchase Protection

Purchase Protection gives you added peace of mind every time you make a purchase, protecting you against theft or damage to your purchases.

Purchase Protection Terms and Conditions:

The full cost of items purchased using Visa Signature must be paid.

Available on new products only.

Coverage extends for a maximum of 365 days from the date of purchase.

28 days from the date of the incident to file a claim, but the cardholder must report the theft within 24 hours of discovering it.

Special restrictions apply to online purchases that are not delivered or damaged in transit.

Includes accidental damage to mobile phones.

Please refer to the full terms and conditions. For full policy details, including coverage, terms, limits, exclusions, and more information, please refer to the policy.

Travel Insurance

Travel insurance provides coverage for you and your family for up to 90 days. Get travel insurance when you pay for your ticket with your Bank Albilad Signature card.

Extended Warranty: This service extends the repair period covered by the manufacturer's warranty to one full year.

Terms and Conditions of the Extended Warranty:

Purchases must be paid in full using Visa Signature.

Available only on new products.

Proof of full payment using your Visa Signature card is required.

DragonPass "Dine & Travel" Airport Dining Program

Cardholders can take advantage of special offers at over 200 restaurants in airports worldwide. Please download the "Dine & Travel" app and complete the registration process to start taking advantage of these offers.

After registration, visit a participating restaurant and inform the restaurant staff that you are a DragonPass participant. Then click redeem to receive the discount. Visa International reserves the right to modify or cancel some or all of these offers at any time without prior notice.

Concierge Service

The concierge service is available 24/7 to provide Signature cardholders with personalized services down to the smallest detail, allowing them to enjoy peace of mind while traveling.

Enjoy the most luxurious shopping and travel experience through a wide range of benefits with the Signature credit card from Bank Albilad. Apply Now!

Cards Fees 

​Credit Card Type 

​Visa Signature 

​Issuance fees 

SAR 500 

​Annual fee 

​SAR 500 

​Supplementary card fee 

​SAR 100 

​Lost card delivery fee (local) 

​SAR 100 

​Lost card delivery fee (international) 

​SAR 148-50 

​Cash withdrawal ON-US 

SAR 20 + OIF+15% on the OIF 

​Cash withdrawal 

​SAR 20 

​Card statement 

​SAR 20 

​Claim objection 

​SAR 50

A valid national ID or valid residency.

The customer must be over 18 years old.

Package of Services and Benefits

Access to luxurious airport lounges: Experience a world of luxury at more than 1,200 airports worldwide for you and a guest of your choice with the Albilad Infinite Credit Card through the Visa Airport Companion program provided by Visa International.

Enjoy a 12% discount with Agoda with your Visa Infinite Card.

Enjoy a 12% discount on bookings at more than 985,000 hotels and vacation rentals worldwide with Agoda.

Visa Luxury Hotel Collection (VLHC)

VLHC comprises a collection of more than 900 luxury and distinctive hotels. This group ranges from small boutique hotels to world-famous hotels, offering a range of exceptional benefits for a unique experience.

YQ Meet & Greet Service*

You'll receive a 30% discount on retail prices at over 450 destinations worldwide when booking with Infinite cards.

*Reservations for services must be made at least 72 hours prior to travel.

Purchase Protection

Purchase Protection gives you added peace of mind every time you make a purchase, protecting you against theft or damage to your purchases.

Purchase Protection Terms and Conditions:

The full cost of items purchased using Visa Infinite must be paid.

Available on new products only.

Coverage extends for a maximum of 365 days from the date of purchase.

28 days from the date of the incident to file a claim, but the cardholder must report the theft within 24 hours of discovering it.

Special restrictions apply to online purchases that are not delivered or damaged in transit.

Includes accidental damage to mobile phones.

Please refer to the full terms and conditions for details. For the full policy details, including coverage, terms, limits, and exclusions, please log in using your card.

Travel Insurance

Travel insurance provides coverage for you and your family for up to 90 days. Get insurance during your travel when you pay for your ticket with your Bank Albilad Infinite card.

Extended Warranty: This service extends the repair period covered by the manufacturer's warranty to one full year.

Terms and Conditions of the Extended Warranty:

Purchases must be paid in full using Visa Infinite.

Available only on new products.

Proof of full payment using your Visa Infinite card is required.

General Benefits:

Restaurant and Café Offers

Shopping Benefits

Lifestyle Benefits

DragonPass "Dine & Travel" Airport Dining Program

Cardholders can take advantage of special offers at over 200 restaurants in several airports worldwide. Please download the "Dine & Travel" app and complete the registration process to start taking advantage of these offers. After completing registration, visit a participating restaurant and inform the restaurant staff that you are a DragonPass participant. Then click redeem to receive the discount. Visa International reserves the right to modify or cancel some or all of these offers at any time without prior notice.

Concierge Service

The concierge service is available 24/7 to provide Infinite cardholders with personalized services down to the smallest detail, allowing them to enjoy peace of mind while traveling.

The infinite credit card from Bank Albilad allows you to access a world of luxury and privileges. Enjoy the most luxurious shopping and travel experience with a wide range of benefits that exceed expectations.

Tamkeen Plus Classic Credit Card Benefits

Compliant with Sharia Committee regulations

The lowest profit margin in the Kingdom for flexible payment of card dues (1.8%)

The card can be used for purchases online, in stores, or at ATMs in Saudi Arabia and around the world

Easy to add the card to Apple Pay and Mada Pay

Receive regular account statements

Track your purchases via text messages

Benefit from numerous ongoing and seasonal offers and discounts

Take advantage of the Albilad Rewards Program to earn travel and tourism rewards, vouchers, or even cashback!

No salary transfer required to obtain the card

Competitive foreign currency exchange rates when shopping around the world

Terms and conditions apply

Benefits of the Tamkeen Plus Signature Credit Card (Visa)

Compliant with Sharia Committee regulations

Lowest profit margin in the Kingdom for flexible payment of card dues (1.8%)

Bonus points offer available for new orders until May 5, 2025.

Welcome points offer available for new orders until May 31, 2025.

A return offer of up to 2.15% on everyday purchases with Albilad Rewards is available until May 31, 2025.

*Free-for-life Tamkeen Plus card issuance offer available until May 31, 2025.

The card can be used for purchases online, in stores, or at ATMs in Saudi Arabia and around the world.

Access to luxurious airport lounges: Experience a world of luxury at more than 1,200 airports worldwide with the Albilad Signature Card through the Visa Airport Companion program provided by Visa International. For more information, click here.

Easily add the card to Apple Pay and Mada Pay.

Get regular account statements.

Pay your card in easy monthly installments of only 5% of the outstanding amount or 200 riyals (whichever is higher).

Track your purchases via text messages.

Benefit from the Albilad Rewards program to earn travel and tourism rewards, vouchers, or even cashback!

Competitive foreign exchange rates when shopping worldwide.

Travel Insurance. For more information, click here.

Multi-trip travel insurance provides coverage for you and your family during all trips within a 90-day period.

Emergency Assistance: This service includes the following:

Lost or stolen card reporting service

Emergency card replacement

Emergency cash disbursements

Emergency payment authorization

Visa Luxury Hotel Collection (VLHC)

Extended Warranty: This service extends the repair period covered by the manufacturer's warranty to one full year.

Protection: The card provides protection for its holder, covering medical and legal referrals, as well as purchase protection. DragonPass (Dine & Fly) Airport Dining Program

Enjoy 12% off bookings at over 985,000 hotels and vacation rentals worldwide on AGODA

Protection against fraud and card misuse

No salary transfer required to obtain the card

Smart Delay offers complimentary access to one of over 1,300 airport lounges in over 500 airports in over 100 countries if your flight is delayed

Terms and conditions apply

Apply for a Tamkeen Plus Credit Card (Visa) through the Albilad app, free for life, and enjoy the following offers:

✅ 75,000 welcome points upon issuance and activation.

✅ 75,000 additional points when using the card.

✅ Up to 2.15% return on your daily purchases.

Benefits of the Tamkeen Plus Infinite Visa Credit Card

Compliant with Sharia Committee regulations

Lowest profit margin in the Kingdom for flexible payment of card dues (1.8%)

Additional welcome points offer available for new orders until May 5, 2025.

Welcome points offer available for new orders until May 31, 2025.

Return offer of up to 2.15% on everyday purchases with Albilad Rewards available until May 31, 2025.

Free lifetime Tamkeen Plus card issuance offer available until May 31, 2025.

Can be used for online purchases, in stores, or at ATMs in Saudi Arabia and around the world.

Easy to add the card to Apple Pay and Mada Pay.

Receive regular account statements.

Pay off your card in easy monthly installments of just 5% of the outstanding amount or SAR 200 (whichever is higher).

Track your purchases via text messages.

Take advantage of the Albilad Rewards Program to earn travel and tourism rewards, vouchers, or even cashback!

Competitive foreign currency exchange rates when shopping around the world.

Access to luxurious airport lounges: Experience a world of luxury at more than 1,200 airports worldwide for you and a guest of your choice with the Albilad Infinite Credit Card through the Visa Airport Companion program provided by Visa International.

Salary transfer is not required to obtain the card.

Multi-trip travel insurance provides coverage for you and your family during all trips within a 90-day period.

Emergency assistance: This service includes the following:

Lost or stolen card reporting service

Emergency card replacement

Emergency cash disbursements

Emergency payment authorization.

VISA Luxury Hotels Collection (VLHC)

Extended Warranty: This service extends the repair period covered by the manufacturer's warranty to one full year.

Protection: The card protects its holder by covering medical and legal referrals, as well as purchase protection.

DragonPass (Dine & Fly) Airport Dining Program

Enjoy a 12% discount on bookings at over 985,000 hotels and vacation rentals worldwide on AGODA.

Fraud and Card Misuse Protection

Smart Delay provides complimentary access to one of over 1,300 airport lounges in over 500 airports in over 100 countries if your flight is delayed.

Terms and conditions apply.

Apply for a Tamkeen Plus Credit Card (Visa) through the Albilad app, free for life, and enjoy the following offers:

✅ 250,000 welcome points upon issuance and activation.

✅ 250,000 additional points when using the card.

✅ Up to 2.15% return on your daily purchases