Alinma Credit Card

Alinma Credit Card

We offer you the Fully Sharia compliant Alinma credit card that offers you freedom of use inside or outside the Kingdom in POS and online purchases, with the possibility of paying the card dues in easy monthly installments.


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  • Fully Sharia Compliant.
  • All Alinma credit cards are free for life (Offer valid until December 31, 2022). And The offer will be canceled if the card is not used within a period of 3 months, and the issuance and annual fees will be applied. The issuance fees will also be applied when the card is canceled within a period of 3 months.
  • The lowest profit margin in Saudi Arabia 1.9%
  • free subscription on the Alinma Entertainer application
  • NO salary transfer (depend on client credit study).
  • 30,000 free points in Mazaya Alinma Program on the first use of the card 
  • Access to VIP lounges in more than 1000 airports around the world with the Alinma Infinite or Signature credit card via the Lounge Key website, or 25 airports with the Alinma Platinum credit card through the DragonPass website provided by Visa International.
  • Pay the card in easy monthly installments of only 5% of the outstanding amount or SAR 100 (whichever is higher).
  • The possibility to load the card with an additional amount and exceeding the credit limit by transferring from your current account to the card.
  • Possibility of transferring any un-used additional amount in the card to the current account.
  • Possibility of using the entire credit limit to pay your purchases through POS devises.
  • Ability to withdraw cash from ATMs (up to 30% of the credit limit).
  • Possibility of early repayment of the amount due.
  • Ease of adding the card in e-wallets such as Apple Pay and mada Pay
  • Enjoy various rewards and earning points from Mazaya Alinma Program.
  • Continuous and wide verity of seasonal offers and discounts.
  • Lounge Access at worldwide airports

  • 30,000 Mazaya points will be awarded for free on the first use of the Alinma credit card (within 10 working days). Points will expire after 3 months.
  • Request for Alinma credit card is subject to credit approval.
  • The card will be delivered by mail within 10 working days.
  • Alinma Entertainer app will be activated within 10 working days form card activation.
  • The bank has the right to take the necessary measures to preserve its rights in the event that the offer has been misused.
  • Product terms and conditions apply.
  • Earning points does not include digital wallet top up transactions.

Card type

Local use

International use


4.25 points for each Riyal

5.5 points for each Riyal


5 points for each Riyal

6.5 points for each Riyal


5.5 points for each Riyal

7 points for each Riyal







Service/ card type

All Alinma credit cards are free for life (Offer valid until November 30, 2022).

Fees will be applied on Supplementary cards

SAR 300

SAR 250

SAR 100

Primary / Supplementary card  

Annual fee Issuance / renew




SAR 50

Card replacement

SAR 75

ATM’s cash withdraw / each transaction


International transactions fee for each transaction

Less than a year SAR 25

From one to five years SAR 30

More than five years SAR 50

Additional monthly account statement

SAR 50

Falls dispute

SAR 1,875 is equivalent to USD 500


Visa’s Pre-Arbitration chargeback Fee

1.9% or as stated in the financing contract accompanying the card

1.9% throughout financing contract only for cards issued before November 30, 2022.

Monthly finance profit rate

5% of the total amount due in the monthly statement or SAR 100 (whichever is higher)

Minimum repayment amount



After obtaining approval on the credit card request. You may follow the issuing and activation steps as below.

  1. Log in to Alinma App
  2. Select cards
  3. Click on credit card requests status
  4. Click on change limit
  5. change limit and save
  6. Click Accept
  7. SMS will be send to complete the process
  8. Sanad Approval (Promissory note Approval via NAFATH)
  9. An approval on the card contract ( Digital Signature )
  10. An approval on the Commodities contract ( Digital Signature )
  11. Enter the activation code and click continue
  12. Click Activate the digital card now
  13. Create your card’s pin
  14. Your card was successfully activated, you may add it to your phone digital wallet and directly start using it




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