Selective

Murabaha Infinite Credit Card with the lowest profit rate

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

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

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

Therefore, will be 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.

The Card is a high limit, and 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 (1.99% per month).

Terms & Conditions

  • Features and Benefits
  • Card Issuance  Requirements
  • Apply
  • MOKAFA Program allows you to Earn 5 Points Per SAR 1 Domestic spend and 6 Points on International spend with Your Card.

  • 24/7 Global Concierge Services That Can Assist You With Your Needs To Book Flights, Hotels, Car Rental, And Events Tickets Etc.

  • Enjoy Access At Over 1000 Airport Lounges Globally Though “Lounge Key” . Program And Up To 30% Discount On Meet And Greet At Over 500 Airport.

  • 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).

  • 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

      - Complimentary continental breakfast daily

      - $25 USD food or beverage credit

  • 0% Tasaheal Program You can convert your transactions into equal and flexible monthly installmentswith 0% profit margin and ZERO processing fee through program partners

  • Cash Withdrawal, Local & International Cash Withdrawal Up To 30% Of Your Credit Limit.

  • Free Additional Cards For Your Immediate Family Members Give Them The Same Features And Benefits As Per Your Primary Card.

  • Instant Discounts

  • 0% Tasaheal Program You can convert your transactions into equal and flexible monthly installmentswith 0% profit margin and ZERO processing fee through program partners

  • Visa Checkout The Easier Pay Online Service.

  • Purchase Protection Lost, Stolen Or Damaged Goods Purchased Using Credit Cards.

  • Extended Warranty For Purchases Using Your Credit Card.
    • 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
    the 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 790 Now Free for Life -Valid till October 31,2021.

    Click to view list of our fees and charges

    Click to hide the list of our fees and charges

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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 1.99%
    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

    Example

    Due Amount

    APR

    Finance APR

    Minimum Payment Amount %

    Months Until Balance

    Repaid*

    1

    SAR 20,000

    33.27%

    23.88%

    5%

    98 Months

    2

    SAR 50,000

    27.58%

    128 Months

    3

    SAR 75,000

    27.3%

    140 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

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    CALL TOLL FREE WITHIN KSA800 124 8880

    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.