Fees, Charges and Financial Dues

AlMubarak Plus credit cards

Annual Fee Primary Card* Infinite SAR 1,575 
Signature SAR 1,050 
ANB World Miles SAR 1050
Platinum SAR 367.5
Titanium SAR 315
Gold and Classic SAR 210
Annual Fee - Supplementary Card* SAR 103.95 / Signature and Infinite SAR 315
ANB World Miles SAR 315
Cash withdrawal Fee* SAR 78.75 per transaction regardless of the amount withdrawn.
Invalid Dispute Fee* SSAR 36.75 (if investigation outcome is against cardholder).
Statement Request Fee (less than 1 year)* SAR 26.25 
Statement Request Fee (from 1 year to 5 years)* SAR 31.50 
Statement Request Fee (more than 5 years)* SAR 52.50
Late Payment Fee
(Delay Fee)
SAR 100
Card replacement fee
for lost card
SAR 210 
Minimum Payment  5% of total due amount or SR 100, whichever is higher.
ANB balance protection program subscription fee* 0.5145% of the total outstanding balance (optional)

Additional rate for international transactions.*

  • 2.36% for Infinite.
  • 2.63% for Signature.
  • 2.89% for Classic, Gold, Titanium, Ferrari and Platinum.

Example for 2.89% Classic Credit Cards:-

  • For POS International Transaction Amount: 1,000 US Dollar. Conversion rate: 3.7750 x 2.75% = 2.8840 (Liable to change as per prevailing daily rates).
    Total value of International Transaction = SAR 3,884.09
  • For ATM International transactions we add transactions fee which is SAR 78.75
Cash Advance Limit 30% of Credit Limit (maximum single transaction value should not exceed SAR 5,000).
 ATM cash withdrawals are subject to limits that pertain in the jurisdiction where the Cardholder is making the cash withdrawal

* Including the Value Added Tax VAT

Limit

Annual Fee

Card Name

Annual Percentage Rate (APR)

Tawarrouq profit 1* Tawarrouq profit 2* Tawarrouq profit 3*
SAR 100,000 SAR 1,575 Infinite 33.88% N/A N/A
SAR 20,000 SAR 1,050 Signature 44.15% 49.40% 53.91%
SAR 10,000 SAR 525 ANB Miles 44.15% 49.40% 53.91%
SAR 10,000 SAR 367.50 Platinum 39.59% 44.65% 48.99%
SAR 10,000 SAR 315 Titanium 38.12% 43.12% 47.41%
SAR 10,000 SAR 210 Classic & Gold 35.27% 40.41% 44.33%
* The actual customer Tawarrouq profit will be assigned based on ANB’s Credit Card policy.


Ferrari / ANB) Low Limit Credit Card

Annual Fee -Primary Card*

Ferrari card 105 SR from18 to 24 Years

157.5 SR for ANB customers
210 SR for Non ANB customers
ANB card105 SR
Annual Fee -  Supplementary Card*

Ferrari card 105 SR from18 to 24 Years

157.5 SR for ANB customers
210 SR for Non ANB customers
ANB card105 SR
Cash withdrawal/advance Fee* SAR 78.75 per transaction regardless of the amount withdrawn.
Invalid Dispute Fee * SAR 36.75 (if investigation outcome is against cardholder).
Statement Request Fee (less than 1 year)* SAR 26.25 
Statement Request Fee (from 1 year to 5 years)* SAR 31.50 
Statement Request Fee (more than 5 years)* SAR 52.50
Card replacement fee for lost card * SAR 52.50 

Additional rate for international transactions.*

  • 2.89% 

Example:-

  • For POS International Transaction Amount: 1,000 US Dollar. Conversion rate: 3.7750 x 2.89% = 3.8840 (Liable to change as per prevailing daily rates).
    Total value of International Transaction = SAR 3,884.09
  • For ATM International transactions we add transactions fee which is SAR 78.75
Cash Advance Limit 30% of Credit Limit (maximum single transaction value should not exceed SAR 5,000). ATM cash withdrawals are subject to limits that pertain in the jurisdiction where the Cardholder is making the cash withdrawal
Cash deposit Limit The Maximum Amount deposited through SADAD per month is SAR 37,500.

  *Including the Value Added Tax VAT

Conventional Platinum Credit Cards in Sterling Pounds

Annual Fee -Primary Card * £ 157.50
Annual Fee -  Supplementary Card * £ 52.50
Cash withdrawal Fee * £ 5.25 or 1.575% of the amount, whichever is higher
Invalid Dispute Fee * £ 5.25 (if investigation outcome is against cardholder)
Statement Request Fee * £ 5.25
Late Payment Fee (Delay Fee) £ 15
Card replacement fee for lost card * £ 31.50
Minimum Payment 5% of total due amount or £ 30, whichever is higher

ANB balance protection program

subscription fee *
0.5145% of the total outstanding balance (optional)

Additional rate for international transactions.

 

  • 2.89% for Platinum *

Example:

  • International Transaction Amount: 1,000 US Dollar Conversion rate: 0.64239 (Liable to change as per prevailing daily rates).
    Total value of International Txn. = GBP 660.95
  • For ATM International transactions we add transactions fee which is £ 5.25 or 1.575% of the amount, whichever is higher.
Cash Advance Limit

30% of Credit Limit (maximum single transaction value should not exceed SAR 5,000). ATM cash withdrawals are subject to limits  that  pertain  in the  jurisdiction  where  the  Cardholder is making the cash withdrawal

 * Including the Value Added Tax VAT

Limit

Annual Fee

Card Name

Annual Percentage Rate (APR)

Term Cost 1* Term Cost 2* Term Cost 3*
£ 10,000 £ 157.50 Platinum 33.88 % 38.69 % 42.83 %
* The actual customer term cost will be assigned based on ANB’s Credit Card policy.

   

Conventional Credit Cards

Annual Fee -Primary Card * Platinum SAR 367.5  
Gold and Classic SAR 210
Annual Fee -  Supplementary Card * SAR 103.95   
Cash withdrawal Fee * SAR 78.75
Invalid Dispute Fee * SAR 36.75 (if investigation outcome is against cardholder)
Statement Request Fee (less than 1 year)* SAR 26.25 
Statement Request Fee (from 1 year to 5 years)* SAR 31.50 
Statement Request Fee (more than 5 years)* SAR 52.50 
Late Payment Fee (Delay Fee) SAR 100 

Card replacement fee for lost card *

SAR 210 

Minimum Payment 

5% of total due amount or SR 100, whichever is higher

ANB balance protection program subscription fee *

0.5145% of the total outstanding balance (optional)

Additional rate for international transactions.

  • 2.89% for Classic, Gold and Platinum *
  • For POS International Transaction Amount: 1,000 US Dollar. Conversion rate: 3.7750 x 2.89% = 3.8840 (Liable to change as per prevailing daily rates).
    Total value of International Transaction = SAR 3,884.09
  • For ATM International transactions we add transactions fee which is SAR 78.75
Cash Advance Limit 30% of Credit Limit (maximum single transaction value should not exceed SAR 5,000) ATM cash withdrawals are subject to limits that pertain in the jurisdiction where the Cardholder is making the cash withdrawal

 * Including the Value Added Tax VAT

Limit

Annual Fee

Card Name

Annual Percentage Rate (APR)

Term Cost 1* Term Cost 2* Term Cost 3*
SAR 10,000 SAR 367.50 Platinum 39.59 % 44.65 % 48.99 % 
SAR 10,000 SAR 210 Gold and Classic 35.27 % 40.14 % 44.33 %
* The actual customer term cost will be assigned based on ANB’s Credit Card policy.
   


Etimad AlMubabrak credit card (Full payment of account balance at the end of each month)

Annual Fee -Primary Card * Classic SAR 157.50 
Gold SAR 315
Annual Fee -  Supplementary Card * SAR 103.95 
Cash withdrawal/advance Fee * SAR 78.75 per transaction regardless of the amount withdrawn. Maximum single transaction value should not exceed SR 5,000.
Dispute Fee * SAR 36.75 (if investigation outcome is against cardholder).
Statement Request Fee (less than 1 year)* SAR 26.25 
Statement Request Fee (from 1 year to 5 years)* SAR 31.50 
Statement Request Fee (more than 5 years)* SAR 52.50 
Late Payment Fee (Delay Fee) SAR 30
Card replacement fee for lost card * SAR 210 
ANB balance protection program subscription fee * 0.5145% of the total outstanding balance (optional)
Additional fee for international transactions is 2.89% *
  • For POS International Transaction Amount: 1,000 US Dollar. Conversion rate: 3.7750 x 2.89% = 3.8840 (Liable to change as per prevailing daily rates). Total value of International Transaction = SAR 3,884.09
  • For ATM International transactions we add transactions fee which is SAR 78.75

* Including the Value Added Tax VAT

Al Mubarak Credit Cards

Fees: The customer agrees that the relevant clause, of the following three clauses of charges and accounting records, will apply to him according to the product type selected in the application for the card:

  1. Classic option 1: When the customer applies for Al Mubarak Classic Credit Card for a limit of maximum SR 7,500. In this case, the cardholder agrees to pay a monthly minimum equivalent to 5% of the card’s total outstanding balance or SR100 whichever is higher. The remaining balance, if there is any, will be carried over to the next month without any fees, commissions or service charges. The cardholder agrees as well that monthly management fees of SR 78.75 * will be debited from each primary card’s account, while the card is valid or still has an outstanding balance. The primary cardholder also commits to pay a one-time issuance fee of SR 157.50 * for each supplementary card that has been issued on the primary card account. The cardholder agrees that a management service charge of SR 78.75 * will be debited from each account of the primary and the supplementary cards for every cash withdrawal transaction (Maximum transaction limit SR 5,000). While an annual membership fee of SR 157.50 * & a management fee of SR 136.50 * will be charged to cardholder who does not have a salary assigned with ANB, in addition to the above stated charges.
  2. Classic option 2: When the customer applies for Al Mubarak Classic Credit Card for a limit of maximum SR 15,000. In this case, the cardholder agrees to pay a monthly minimum equivalent to 5% of the card’s total outstanding balance or SR 200 whichever is higher. The remaining balance, if there is any, will be carried over to the next month without any fees, commissions or service charges. The cardholder agrees as well that monthly management fees of SR 136.50 * will be debited from each primary card’s account, while the card is valid or still has an outstanding balance. The primary cardholder also commits to pay a one-time issuance fee of SR 157.50 * for each supplementary card that has been issued on the primary card account. The cardholder agrees that a management service charge of SR 78.75 * will be debited from each account of the primary and the supplementary cards for every cash withdrawal transaction (Maximum transaction limit SR 5,000). While an annual membership fee of SR 262.50 * & a management fee of SR 136.50 will be charged to cardholder who does not have a salary assigned with ANB, in addition to the above stated charges.
  3. Al Mubarak Gold: When the customer applies for Al Mubarak Gold Credit Card for a limit of maximum SR 20,000. In this case, the cardholder agrees to pay a monthly minimum equivalent to 5% of the card’s total outstanding balance or SR 300 whichever is higher. The remaining balance, if there is any, will be carried over to the next month without any fees, commissions or service charges. The cardholder agrees as well that monthly management fees of SR 189 * will be debited from each primary card’s account, while the card is valid or still has an outstanding balance. The primary cardholder also commits to pay a one-time issuance fee of SR 157.50 * for each supplementary card that has been issued on the primary card account. The cardholder agrees that a management service charge of SR 78.75 * will be debited from each account of the primary and the supplementary cards for every cash withdrawal transaction (Maximum transaction limit SR 5,000). While an annual membership fee of SR 367.50 * & a management fee of SR 189 * will be charged to cardholder who does not have a salary assigned with ANB, in addition to the above stated charges.
  4. International Transaction Fee: International transactions will incur a fee of 2.89%* of transaction value.

Example:

  • For POS International Transaction Amount: 1,000 US Dollar. Conversion rate: 3.775 (Liable to change as per prevailing daily rates). Profit Margin on International Transaction Amount = SAR 3,775 X 2.89% = 3.884

Total value of International Transaction = SAR 3,884.09

  • For ATM International transactions we add transactions fee which is SAR 78.75*.

* including the value added tax

Annual Percentage Rate (APR):

Card Type

Limit

Annual Percentage Rate (APR)

Classic Option 1 SAR  7,500 34.95 %
Classic Option 2 SAR  15,000 26.85 %
Al Mubarak Gold SAR  20,000 % 29.10