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SAR 78.75 per transaction regardless of the amount withdrawn.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.*
|
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.
|
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:
- 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.
- 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.
- 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.
- 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 |