Fees, Charges and Financial Dues

AlMubarak Plus credit cards

Annual Fee Primary Card* Infinite SAR 1,725 
Signature SAR 1,150 
ANB World Miles SAR 1,150
Platinum SAR 402.5
Titanium SAR 345
Gold and Classic SAR 230
Annual Fee - Supplementary Card* SAR 113.85 / Signature and Infinite SAR 345
ANB World Miles SAR 345
Cash withdrawal Fee* SAR 86.25 per transaction regardless of the amount withdrawn.
Invalid Dispute Fee* SSAR 40.25 (if investigation outcome is against cardholder).
Statement Request Fee (less than 1 year)* SAR 28.75 
Statement Request Fee (from 1 year to 5 years)* SAR 34.50 
Statement Request Fee (more than 5 years)* SAR 57.50
Late Payment Fee
(Delay Fee)
SAR 100
Card replacement fee
for lost card
SAR 230 
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.*

  • 2.59% for Infinite.
  • 2.88% for Signature.
  • 3.16% for Classic, Gold, Titanium, Ferrari and Platinum.

Example for 3.16% Classic Credit Cards:-

  • For POS International Transaction Amount: 1,000 US Dollar. Conversion rate: 3.7750 x 3.15% = 3.89429 (Liable to change as per prevailing daily rates).
    Total value of International Transaction = SAR 3,894.29
  • For ATM International transactions we add transactions fee which is SAR 86.25
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 3,450

Infinite Privilege & World Elite

34.89%

N/A

N/A

SAR 100,000

SAR 1,725

Infinite

30.36%

N/A

N/A

SAR 20,000

SAR 1,150

Signature, World & ANB Etihad Guest Signature

41.36%

46.53%

50.96%

SAR 10,000

SAR 575

Platinum Miles

41.36%

46.53%

50.96%

SAR 10,000

SAR 402.5

Platinum

36.46%

41.42%

45.68%

SAR 10,000

SAR 345

Titanium

34.89%

39.79%

43.99%

SAR 10,000

SAR 230

Classic & Gold

31.84%

36.61%

40.70%

* The actual customer Tawarrouq profit will be assigned based on ANB’s Credit Card policy.

 


Ferrari / ANB / Platinum) Low Limit Credit Card

Annual Fee -Primary Card*

Ferrari card 115 SR from18 to 24 Years

172.5 SR for ANB customers
230 SR for Non ANB customers
ANB/ Platinum card0115 SR
Annual Fee -  Supplementary Card*

Ferrari card 115 SR from18 to 24 Years

172.5 SR for ANB customers
230 SR for Non ANB customers
ANB/ Platinum card115 SR
Cash withdrawal/advance Fee* SAR 86.25 per transaction regardless of the amount withdrawn.
Invalid Dispute Fee * SAR 40.25 (if investigation outcome is against cardholder).
Statement Request Fee (less than 1 year)* SAR 28.75 
Statement Request Fee (from 1 year to 5 years)* SAR 34.50 
Statement Request Fee (more than 5 years)* SAR 57.50
Card replacement fee for lost card * SAR 57.50 

Additional rate for international transactions.*

  • 3.16% 

Example:-

  • For POS International Transaction Amount: 1,000 US Dollar. Conversion rate: 3.7750 x 3.16% = 3.89429 (Liable to change as per prevailing daily rates).
    Total value of International Transaction = SAR 3,894.29
  • For ATM International transactions we add transactions fee which is SAR 86.25
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 * £ 172.50
Annual Fee -  Supplementary Card * £ 57.50
Cash withdrawal Fee * £ 5.75 or 1.725% of the amount, whichever is higher
Invalid Dispute Fee * £ 5.75 (if investigation outcome is against cardholder)
Statement Request Fee * £ 5.75
Late Payment Fee (Delay Fee) £ 15
Card replacement fee for lost card * £ 34.50
Minimum Payment 5% of total due amount or £ 30, whichever is higher

Additional rate for international transactions.

 

  • 3.16% 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 662.7
  • For ATM International transactions we add transactions fee which is £ 5.75 or 1.725% 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*

£ 2,000

£ 172.50

Platinum

50.20%

55.75%

60.51%

* The actual customer term cost will be assigned based on ANB’s Credit Card policy.

 

   

Conventional Credit Cards

Annual Fee -Primary Card * Platinum SAR 402.5  
Gold and Classic SAR 230
Annual Fee -  Supplementary Card * SAR 113.85   
Cash withdrawal Fee * SAR 86.25
Invalid Dispute Fee * SAR 40.25 (if investigation outcome is against cardholder)
Statement Request Fee (less than 1 year)* SAR 28.75 
Statement Request Fee (from 1 year to 5 years)* SAR 34.50 
Statement Request Fee (more than 5 years)* SAR 57.50 
Late Payment Fee (Delay Fee) SAR 100 

Card replacement fee for lost card *

SAR 230 

Minimum Payment 

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

Additional rate for international transactions.

  • 3.16% for Classic, Gold and Platinum *
  • For POS International Transaction Amount: 1,000 US Dollar. Conversion rate: 3.7750 x 3.16% = 3.89429 (Liable to change as per prevailing daily rates).
    Total value of International Transaction = SAR 3,894.29
  • For ATM International transactions we add transactions fee which is SAR 86.25
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

Fee

Card Name

Annual Percentage Rate (APR)

Term Rate 1

Term Rate 2

Term Rate 3

SAR 10,000

SAR 402.50

Platinum

36.46 %

41.42%

45.68 %

SAR 10,000

SAR 230

Gold & Classic

41.84 %

36.61 %

40.70 %

* 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 172.50 
Gold SAR 345
Annual Fee -  Supplementary Card * SAR 113.85
Cash withdrawal/advance Fee * SAR 86.25 per transaction regardless of the amount withdrawn. Maximum single transaction value should not exceed SR 5,000.
Dispute Fee * SAR 40.25 (if investigation outcome is against cardholder).
Statement Request Fee (less than 1 year)* SAR 28.75
Statement Request Fee (from 1 year to 5 years)* SAR 34.50 
Statement Request Fee (more than 5 years)* SAR 57.50 
Late Payment Fee (Delay Fee) SAR 30
Card replacement fee for lost card * SAR 230 
ANB balance protection program subscription fee * 0.5145% of the total outstanding balance (optional)
Additional fee for international transactions is 3.16% *
  • For POS International Transaction Amount: 1,000 US Dollar. Conversion rate: 3.7750 x 3.16% = 3.89429 (Liable to change as per prevailing daily rates). Total value of International Transaction = SAR 3,894.29
  • For ATM International transactions we add transactions fee which is SAR 86.25

* 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 86.25 * 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 172.50 * for each supplementary card that has been issued on the primary card account. The cardholder agrees that a management service charge of SR 86.25 * 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 172.50 * & a management fee of SR 149.50 * 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 149.50 * 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 172.50 * for each supplementary card that has been issued on the primary card account. The cardholder agrees that a management service charge of SR 86.25 * 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 287.50 * & a management fee of SR 149.50 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 172.50 * for each supplementary card that has been issued on the primary card account. The cardholder agrees that a management service charge of SR 86.25 * 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 402.50 * & 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 3.16%* 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 3.16% = 3.89429

Total value of International Transaction = SAR 3,894.29

  • For ATM International transactions we add transactions fee which is SAR 86.25*.

* including the value added tax

Annual Percentage Rate (APR):

Card Type

Limit

Annual Percentage Rate (APR)

Classic Option 1 SAR  7,500 38.46 %
Classic Option 2 SAR  15,000 32.56 %
Al Mubarak Gold SAR  20,000  34.23 %