Murabaha Signature Credit Card

Murabaha Signature Credit Card with the lowest profit rate

Are you thinking of getting a fully Sharia compliant Credit Card having a high limit with a flexible repayment?

Al Rajhi Bank introduces the Murabaha Signature Credit Card based on Murabaha finance to offer you the ultimate flexibility and many unique features.

Murabaha Signature credit card is based on giving you a fully Sharia compliant finance, and then deposit the funds in your card account to use it on purchases or cash withdrawals with the lowest profit rate on finance (1% per month).

  • Features and Benefits
  • Card Issuance  Requirements
  • Apply
  • 1% Lowest profit rate in the kingdom On the finance related to your card (APR 12%)
  • “MOKAFA’A” program allows you to earn points while purchasing with your card, with various instant redemption options.

Domestic Usage International Usage
1 Points per SAR 1 2 Points per SAR 1
  • Buy Now Pay Later:
  • This Card brings you an ultimate convenience as you can enjoy the flexibility of paying as low as 5% of your monthly Card statement and choose to repay balance amount of your purchases in subsequent month(s).

  • Luxurious Travel:
    • Enjoy access, at 25 airport lounges globally though DragonPass . You simply need to present your card to the lounge staff and mention ‘DragonPass’ to avail access.
    • *Please refer to LoungeKey app or website to find included lounges.

    • Exclusive perks with “kiwi collection” (The world’s largest and most diverse and curated collection of luxury hotels) including:
      • Automatic room upgrade upon arrival, when available
      • Late check-out upon request, when available
      • $25 USD food or beverage credit
      • Complimentary continental breakfast daily
  • 0% Monthly Installments:
  • With “0% Tasaheal” Program You can convert your transactions into equal and flexible monthly installments with repayment convenience in 3, 6, 9 or 12 months with 0% profit margin and zero processing fee through Tasaheal Program partners. To use this facility visit 0% Tasaheal Program or call 920003344 any time before the monthly statement issue date.

  • Free Cards for your Family:
  • You can get two additional cards to your immediate family members for free through the nearest branch or call us on 8001241222.

  • Instant Discounts:
  • on your card purchases in a range of shopping malls, hotels and restaurants. Please check out the merchants list

  • “Visa Checkout” the easier pay online Service
  • Current Accounts with Al Rajhi Bank
  • Copy of Valid ID (national ID/Iqama)
  • Salary certificate mentioning employments from employee
  • Fill & submit application form
  • Should be compliant with Al Rajhi Bank’s and SIMAH’s policies for issuance credit cards
  • Al Rajhi App
  • By calling us on 800 124 1222
  • By Visiting your nearest Branch
  • Apply Online  

+ Fees & Charges

Annual Membership Fee

SAR 790

Click to view list of our fees and charges

Click to hide the list of our fees and charges

Hide Details

Show Details

Type of Fee Fee’s Value
Annual primary Card SAR 790
Annual Supplementary Card 2 Free cards
Annual Supplementary Cards (more than 3) SAR 300
Monthly Profit Rate 1%
Annual Profit Rate 20.42%
Monthly Minimum Payment 5% or SAR 100 whichever is higher
Additional fee on International Transactions 2.75%
Replacement SAR 50
Cash Withdrawal SAR 75
Wrong Dispute Fee SAR 50
Application of Purchase Voucher Copy SAR 150

Descriptive Examples showing the APR based on the credit limit


Due Amount


Finance APR

Minimum Payment Amount %

Months Until Balance



SAR 20,000




65 Months


SAR 50,000


83 Months


SAR 75,000


90 Months

* If the minimum payment amount made every month, it will take almost the months that appeared for each product in table to repay the full amount, keeping in view compounded interest added each month.

*APR may change based on the change in the financing amount and due date.

Report a Lost or Stolen Card

Hide Details

Show Details


TOLL FREE WITHIN KSA+966 92000 5544

Alternatively ,Please follow steps outlined in :