Murabaha Infinite Credit Card with the lowest profit rate

Identity, self-esteem , recognition and preferences of ladies customers is founding principal of our newly launched Selective Credit Card which is uniquely designed for ladies customers.

The elite & prestigious Card design reflects the symbol of personality and individuality which is topped with metal plastic to showcase differentiation.

The SELECTIVE Card is coupled with unique & unmatched benefits which are tailored and embedded as key features; selectively for segment and need explicitly.

So be it about Fitness & diet, flowers for special occasions, health & medical checkups, car rentals, home redo, quick transportation services or dine out with family/friends/or office colleagues; your uniqueness, identity is selected by us by offering you a ladies only SELECTIVE Credit Card.

SELECTIVE Card is a high limit fully Sharia compliant Credit Card with a flexible repayment. SELECTIVE 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).

Terms & Conditions

  • 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  

Other features that come with
a Platinum Credit Card

  • Cash Withdrawal

    Local & international cash withdrawal up to 30% of your credit limit.

  • ATM Access

    Accepted at over 30 million local & international POS including 900,000 ATMS worldwide.

  • Supplementary Cards

    Free Supplementary cards for your family members.

  • 3D Secure

    More secure than cash, 3D secure uses a verification process, one time password for online shopping and EMV chip to protect your information.

+ Fees & Charges

Annual Membership Fee

SAR 490

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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.

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TOLL FREE WITHIN KSA+966 92000 5544

Alternatively ,Please follow steps outlined in :

Frequently Asked Questions:
Platinum Credit Card
  • Why should I apply for Card ?
    The Card offered by Al Rajhi Bank is a fully sharia compliant Card based on Islamic principle and offer unparalleled benefits tailored to your needs.
  • What is the Islamic concept used for the Card?
    The card is based on Murabaha financing wherein purchase and sale of commodity is consented by the customer for the issuance of Card.
  • Is there any interest or profit charges on Card ?
    The Card offers you lowest ever profit rate of 1% per month as a part of monthly Murabaha installment on your Card. However, upon full payment of your outstanding on due date, full rebate equivalent to your installment will be credited into your Card account. This way the impact of profit is void.
  • Once I receive the Card, how can I start using it?
    Upon receiving the Card from courier, you need to activate it by logging into Al Mubasher (online banking) or calling our toll free number 800 124 1222. Since this Card is secured by “Chip & Pin” feature, you also need to setup your PIN code while activating your Card.
  • Can I use my card for online shopping?
    Yes. Card is secured by “Verified by VISA (VbV)” for online shopping & purchases you make.
  • Can i issue a supplementary Card to my family members?
    Yes. A supplementary Card can be issued to your family members upon your request.
  • How do I pay my Card bill?
    A minimum 5% of your bill will be deducted automatically from your current account. However, you can pay any amount against your Card bill online via Al Mubashar using “advance payment” option.