What types of credit cards does Al Jazira Bank offer in Saudi Arabia?

Al Jazira Bank offers several Shariah-compliant credit cards including: Visa Classic (150 SAR annual fee), Visa Platinum (300 SAR annual fee), Visa Infinite (1000 SAR annual fee), Mastercard Platinum (200 SAR annual fee), and Ajwa Credit Cards in Plus, Platinum, Signature, and Infinite variants. Each card comes with different benefits and annual fees ranging from 200-1500 SAR.

How much is the minimum monthly payment for Al Jazira credit cards?

The minimum monthly payment for Al Jazira credit cards is 5% of the total outstanding balance or 200 SAR, whichever is higher. This applies to all credit card types including Visa, Mastercard, and Ajwa cards.

What are the international transaction fees for Al Jazira Bank cards?

Al Jazira Bank charges 2.75% additional fee for all international transactions. For international card delivery, the maximum fee is 130 SAR. Cash withdrawal/transfer fees are 75 SAR per transaction for most cards.

How does the Islamic profit rate work on Al Jazira credit cards?

Al Jazira Bank uses Shariah-compliant profit rates that vary by card type. Monthly profit margins range from 2.20% to 2.70%, with annual profit rates between 26.40% and 32.40%. The Annual Percentage Rate (APR) is calculated based on a credit limit of 30,000 SAR.

What is the grace period for Al Jazira credit card payments?

Al Jazira Bank offers a 21-day grace period from the statement date for purchases made with their credit cards. During this period, no profit charges are applied if the full amount is paid.

How can I apply for an Al Jazira Bank credit card online?

You can apply for Al Jazira Bank credit cards through their digital banking channels including the mobile app and website. Required documents include Saudi ID/Iqama, proof of income, and bank statements. The bank offers instant digital card approval for eligible customers.

Compare Credit Card Offers & Benefits in Saudi Arabia

Ajwaa Credit Cards

Fees	Plus	Platinum	Signature	Infinite
Annual Fee	SAR 200	SAR 300	SAR 500	SAR 900
Monthly Profit Margin	2.9%	2.9%	2.5%	2.5%
Annual Profit Margin	34.80%	34.80%	30.00%	30.00%
APR**	42.25%	44.47%	40.95%	45.29%
Cash Withdrawal/Cash Transfer*	3% fee applies to transactions below 2,500, with a maximum fee of 75 for transactions of 2,500 or above
International Transaction Fee	2% per international transaction
La Tajil Program Fee	SAR 50/Transaction
International Card Delivery Fee	Maximum SAR 130
Minimum Monthly Payment	5% of the outstanding balance or SAR 200 (whichever is higher)
Months after balance repaid in case of minimum repayment for Card limit 7,000	53 Months		48 Months
Profit Waiver Period	25 days after the account statement is due

* The updated monthly profit margin for credit cards will take effect from July 19, 2025.

** The Annual Percentage Rate (APR) has been calculated based on a credit limit utilization of 30,000