Credit Card Fees and Charges

Annual Annual Annual Minimum

Credit Card Months Until
Card Tier Fees Percentage Rate Percentage Rate Repayment
Purchase Rate Balance Repaid**
(SR) per month (APR)* Amount %age

Mass Segment Salary < Salary > Salary < Salary > Salary < Salary > Salary < Salary > Salary < Salary >
SR4,000 SR4,000 SR4,000 SR4,000 SR4,000 SR4,000 SR4,000 SR4,000 SR4,000 SR4,000
Master Card
Titanium
400 38.75 % 32.39 %
VISA Basic 201 176
2.7 % 2.3 % 28.8 % 24 % 5% Months Months
MasterCard
Platinum
600 39.29 % 32.91 %
VISA Platinum
Al-Ahli
Free 2.80% 39.29% 30% 5% 208
Cashback Card
Annual Annual Minimum Months Until
Credit Card
Wessam Segment Percentage Rate Percentage Rate Repayment Balance
Purchase Rate
per month (APR)* Amount %age Repaid**
MasterCard 1,000
World (Golden)
VISA Signature
MasterCard 2.3 % 31.37 % 24 % 5% 176 Months
World
(Platinum) 1,500
VISA Infinite
Annual Annual Minimum Months Until
Credit Card
Private Banking Percentage Rate Percentage Rate Repayment Balance
Purchase Rate
per month (APR)* Amount %age Repaid**
MasterCard
World Elite 2,000 2.3 % 31.37 % 24 % 5% 176 Months
VISA Infinite
Privilege

**Example: If only minimum repayment is made every month than it will take almost 201 or 176 months depending on the customer’s segment to repay a full
amount (SR7,000), keeping in view Annual Percentage Rate added each month (based on the salary and/or card type).

Monthly Tawaroq Fees 0.3 %

Cash Withdrawal Limit Up to a maximum of 30 % of the Credit Card Limit allowed by the bank

SAR 75 per transaction. For ATM Cash withdrawal or Cash transfer through digital
Cash Withdrawal Fees
channels.

Annual fee waved for the first 3 supplementary cards. Above 3 cards, 50 % of primary
Supplementary Card Fees
card annual fees each.

0.39 % monthly of the total balance due for Himayati.

Credit Shield Charges (Himayati & Himayati +) Optional Subscription
0.49 % monthly of the total balance due for Himayati Plus

up to 2.75% for Credit Card and Prepaid Card

Foreign Exchange Conversion Mark up
Up to 2.85% for Al-Ahli Cashback Card

Statement Cycle Due on the 15th of every month.

Due Date During a period of 20 days from the date of issuing the Statement

The Saudi National Bank | A Saudi Joint Stock Company | Paid-up Capital SAR 44,780,000,000 | VAT Number 300002471110003 | C.R. 4030001588 | Under the supervision and control of
The Saudi Central Bank | Licensed pursuant to Royal Decree No. 3737 issued on 20/4/1373H (corresponding to 26/12/1953G) | Head Office The Saudi National Bank Tower King
Abdullah Financial District | King Fahd Road | 3208 - Al Aqeeq District | Unit No. 778 | Riyadh 13519 – 6676 | 920001000 | www.alahli.com
Any reference to the National Commercial Bank, NCB or the Bank shall mean the Saudi National Bank
 Credit Card Fees and Charges

*Based on SAMA Formula Using an Example of SAR 100,000 Outstanding

Finance Amount (Loan amount) The amount of the credit card balance
Upfront Fees Annual fees
Upfront Insurance Fees Insurance amount
Long Term Number of years
Annual Percentage Rate per month Tawaroq Profit margin + Tawaroq fees
Payment Per Year 12 Payment (1 Payment per month)
Payment Installment amount
Total Payment Principal amount plus Annual Percentage Rate per month

Annual Percentage Rate Example (38.75 %) Annual Percentage Rate Example (32.39 %)
Finance Amount SAR 100,000 Finance Amount SAR 100,000
Upfront Fees SAR 400 Upfront Fees SAR 400
Upfront Insurance Fees 0 Upfront Insurance Fees 0
Long Term (Years) 1 Long Term (Years) 1
Annual Percentage Rate per month 2.70 % Annual Percentage Rate per month 2.30 %
Payment Per Year 12 Payment Per Year 12
Payment 9,867 Payment 9,631
Total Payment 118,405.74 Total Payment 115,572.47
APR 38.75 % APR 32.39 %

Annual Percentage Rate Example (39.29 %) Annual Percentage Rate Example (32.91 %)
Finance Amount SAR 100,000 Finance Amount SAR 100,000
Upfront Fees SAR 600 Upfront Fees SAR 600
Upfront Insurance Fees 0 Upfront Insurance Fees 0
Long Term (Years) 1 Long Term (Years) 1
Annual Percentage Rate per month 2.70 % Annual Percentage Rate per month 2.30 %
Payment Per Year 12 Payment Per Year 12
Payment 9,867 Payment 9,631
Total Payment 118,405.74 Total Payment 115,572.47
APR 39.29 % APR 32.91 %

Annual Percentage Rate Example (31.37 %) Annual Percentage Rate Example (%39.29)
Finance Amount SAR 100,000 Finance Amount SAR 100,000
Upfront Fees 0 Upfront Fees 0
Upfront Insurance Fees 0 Upfront Insurance Fees 0
Long Term (Years) 1 Long Term (Years) 1
Annual Percentage Rate per month 2% Annual Percentage Rate per month 2.80 %
Payment Per Year 12 Payment Per Year 12
Payment 9,631 Payment 9,926
Total Payment 115,572.47 Total Payment 119,112
APR 31.37 % APR 39.29 %

The Saudi National Bank | A Saudi Joint Stock Company | Paid-up Capital SAR 44,780,000,000 | VAT Number 300002471110003 | C.R. 4030001588 | Under the supervision and control of
The Saudi Central Bank | Licensed pursuant to Royal Decree No. 3737 issued on 20/4/1373H (corresponding to 26/12/1953G) | Head Office The Saudi National Bank Tower King
Abdullah Financial District | King Fahd Road | 3208 - Al Aqeeq District | Unit No. 778 | Riyadh 13519 – 6676 | 920001000 | www.alahli.com
Any reference to the National Commercial Bank, NCB or the Bank shall mean the Saudi National Bank