Product Comparison

MurabahaTawarruqPersonal Finance without Salary Transfer
LimitUnlimitedUnlimitedSAR – 200,000 for Saudis SAR – 150,000 for Expatriates
RepaymentUp-to 60 MonthsUp-to 60 MonthsUp-to 48 Months
Salary/ Non Salary TransferBoth Options are availableBoth Options are availableBoth Options are available
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Purchasing Readymade PropertyHome Equity ProgramLand FinancePurchasing Incomplete Property
Saudi NationalsYesYesYesYes
Salary TransferYesYesYesYes
Non Salary Transfer ”Bankers”YesYesYesYes
Minimum Salary with Transfer SAR. 5,000YesYesYesYes
Minimum Salary without Transfer SAR. 8,000YesYesYesYes
Loan amount85%70%70%85%
Joint ApplicantYesNAYesYes
Payment planUp to 360 monthsUp to 180 monthsUp to 180 monthsUp to 360 months
Cash liquidityNAYesNAYes
From third partyYesNAYesYes
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Classic Credit CardGold Credit CardTitanium Credit CardVisa Platinum Credit CardMasterCard Platinum Credit CardVisa Signature Card
Annual Membership for Main CardSAR 200SAR 325SAR 400SAR 500SAR 700SAR 750
Monthly Term Cost2.33%2.33%2.25%2.15%2.15%2.15%
Annual Percentage Rate27.96%27.96%27%25.8%25.8%25.8%
Annual Membership for Supplementary Card (s)FreeFreeFreeFreeFreeFree
Statement DateMonthlyMonthlyMonthlyMonthlyMonthlyMonthly
Minimum Monthly Payment for Main Card5% of the billed amount or SAR 200 whichever is higher5% of the billed amount or SAR 200 whichever is higher5% of the billed amount or SAR 200 whichever is higher5% of the billed amount or SAR 200 whichever is higher5% of the billed amount or SAR 200 whichever is higher5% of the billed amount or SAR 200 whichever is higher
Cash Withdrawal- SAR 75 for amounts up to SAR 5,000
- 3% or SAR 300 (whichever is lower) for amounts over SAR 5,000 for conventional credit card only
- SAR 75 for amounts up to SAR 5,000
- 3% or SAR 300 (whichever is lower) for amounts over SAR 5,000 for conventional credit card only
- SAR 75 for amounts up to SAR 5,000
- 3% or SAR 300 (whichever is lower) for amounts over SAR 5,000 for conventional credit card only
- SAR 75 for amounts up to SAR 5,000- SAR 75 for amounts up to SAR 5,000
- 3% or SAR 300 (whichever is lower) for amounts over SAR 5,000
- SAR 75 for amounts up to SAR 5,000
- 3% or SAR 300 (whichever is lower) for amounts over SAR 5,000 for conventional credit card only
Late Payment FeeSAR 100SAR 100SAR 100SAR 100SAR 100SAR 100
Additional fee on non-Saudi Riyal transactions /International Transaction2.75%2.75%2.50%2.50%2.50%2.50%
Supplementary Credit Card Annual Membership FeeSAR 200SAR 325SAR 400SAR 700SAR 500SAR 750
Card Reactivation FeeSAR 100SAR 100SAR 100SAR 100 SAR 100SAR 100
Card Replacement FeeSAR 250SAR 250SAR 250SAR 250SAR 250SAR 250
Riyad Bank Credit Shield per Month (Optional)0.49% of total outstanding balance (added monthly to card account)0.49% of total outstanding balance (added monthly to card account)0.49% of total outstanding balance (added monthly to card account)0.49% of total outstanding balance (added monthly to card account)0.49% of total outstanding balance (added monthly to card account)0.49% of total outstanding balance (added monthly to card account)
Disputed TransactionSAR 50SAR 50SAR 50SAR 50SAR 50SAR 50
Administration FeeNANANANANANA
Settlement DateWithin 25 days of issuing the account statement related to the card accountWithin 25 days of issuing the account statement related to the card accountWithin 25 days of issuing the account statement related to the card accountWithin 25 days of issuing the account statement related to the card accountWithin 25 days of issuing the account statement related to the card accountWithin 25 days of issuing the account statement related to the card account
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