- Receive approval via the alinma app based on your average balance.
- Make flexible payments with easy monthly installments starting from just 5% of the outstanding amount on your monthly statement.
- Earn 4 points per Ʀ 1 on local purchases and 6 points per Ʀ 1 on international purchases with “Akthr” loyalty program.
- Enjoy free worldwide access to over 25 VIP airport lounges by downloading the Visa Airport Companion app. Eligibility, cumulative international spend of USD 100 or equivalent within 90 days prior to lounge access, and registering your alinma credit card For registration and more details, download App
- Offers and Discounts
Visa Offers and Perks | VISA
alinma Offers | alinma - Get extended warranty coverage on all purchases made with your alinma Credit Card, doubling the warranty period to 24 months.
- Enjoy purchase protection for added security against theft and damage.
- Sharia-compliant credit card.
- Enjoy 0% profit margin on installments.
- Earn various rewards and points on every purchase when you register for “Akthr” loyalty program.
- Add your card seamlessly to e-wallets such as Apple Pay and mada Pay.
- alinma App.
- alinma website
- Toll free 8001208008
- Visit the nearest alinma branch. Click here to find your nearest branch.
Credit Card Application Process Using the alinma App (Based on Average Balance):
- Open alinma App and go to the home page.
- Tap on “Cards” and select “Request Card.”
- Choose the desired credit card.
- Select the account linked to your card.
- Fill in your expense details and agree to the Terms & Conditions.
- Receive approval based on your average balance.
- Confirm your credit card limit.
- Sign the contract electronically.
- Issue and activate your credit card instantly upon completing the steps.
Credit Card Application Process Using alinma App (Based on salary information):
- Open alinma App and go to the home page.
- Tap on “Cards” and select “Request Card.”
- Choose the desired credit card and click “Apply Now.”
- Select the account linked to your card.
- Choose your employer sector and select your employer.
- Enter your monthly income.
- Fill in your expense details and agree to the Terms & Conditions.
- Upload your salary certificate.
- Wait for the request to be approved.
- Confirm your credit card limit.
- Sign the contract electronically.
- Issue and activate your credit card instantly upon completing the steps.
- The bank reserves the right to take necessary measures to protect its rights in the event of misuse of the offer.
- Requests for alinma Credit Card are subject to credit approval.
- The card will be delivered by mail within 10 working days.
- The terms and conditions of the product grant policy apply.
- Earning points does not include digital wallet top-up transactions.
- The "Free" offer applies without usage conditions.
|
Card type |
Local use (for each Ʀ) |
International use (for each Ʀ) |
|
Platinum |
4 points for each Ʀ |
6 points for each Ʀ |
|
Signature |
5 points for each Ʀ |
7 points for each Ʀ |
|
Infinite |
6 points for each Ʀ |
7 points for each Ʀ |
|
Offers |
Infinite |
Signature |
Platinum |
Service/ card type |
|||
|
All alinma credit cards and first supplementary are free (Offer valid until (July 31, 2026). |
Free |
Free |
|
Primary / Supplementary card |
Annual fee Issuance / renew |
||
|
|
Ʀ15 |
Card replacement |
|||||
|
3% with a maximum of Ʀ 75 |
ATM Cash Withdrawal and Digital Bank Account Top-up / per transaction |
||||||
|
3% with a maximum of Ʀ 75 (Starting from 17 August 2025) |
Cash transfer from the Card / each transaction |
||||||
|
2% |
International transactions fee for each transaction |
||||||
|
Less than a year Ʀ 25 From one to five years Ʀ 30 More than five years Ʀ 50 |
Additional monthly account statement |
||||||
|
Free (Excluding digital banks as of June 21, 2026) |
E-Wallet Top-Up Fees |
||||||
|
Ʀ 1.5 for each transaction (Starting from 17 August 2025) |
ATM Balance inquiry |
||||||
|
Ʀ 25 |
Falls dispute |
||||||
|
Starting from 34% |
Finance Yearly Profit Rate |
||||||
|
From 1.9% to 3% (as per the signed contract) |
Monthly finance profit rate |
||||||
|
5% of the total amount due in the monthly statement or Ʀ 100 (whichever is higher) |
Minimum repayment amount |
||||||
