Product Comparison
Product Comparison
Limit
Unlimited
Unlimited
SAR – 200,000 for Saudis
SAR – 150,000 for Expatriates
SAR – 150,000 for Expatriates
Repayment
Up-to 60 Months
Up-to 60 Months
Up-to 48 Months
Salary/ Non Salary Transfer
Both Options are available
Both Options are available
Both Options are available
Salary Transfer
Yes
Yes
Yes
Non Salary Transfer
Yes
Yes
Yes
Loan amount
85%
85%
90%
Joint Applicant
Yes
No
Yes
Payment plan
Up to 360 months
Up to 240 months
Up to 360 months
Annual Credit card membership fee (SAR)
SAR 490
SAR 490
SAR 500
SAR 500
SAR 750
SAR 1500
NA
NA
No annual fee
Annual Membership fee for Supplementary Card (s)
SAR 390
SAR 390
SAR 500
SAR 500
SAR 750
SAR 1500
NA
NA
NA
Monthly Term Cost
Relationship: 2.40%
Non Relationship: 2.55%
Non Relationship: 2.55%
Relationship: 2.40%
Non Relationship: 2.55%
Non Relationship: 2.55%
Relationship: 2.35%
Non Relationship: 2.50%
Non Relationship: 2.50%
Relationship: 2.35%
Non Relationship: 2.50%
Non Relationship: 2.50%
2.08%
2.08%
NA
NA
NA
Annual profit rate
Relationship: 32.92%
Non Relationship: 35.28%
Non Relationship: 35.28%
Relationship: 32.92%
Non Relationship: 35.28%
Non Relationship: 35.28%
Relationship: 32.15%
Non Relationship: 34.48%
Non Relationship: 34.48%
Relationship: 32.15%
Non Relationship: 34.48%
Non Relationship: 34.48%
28.02%
28.02%
NA
NA
NA
Additional fee on non-Saudi Riyal transactions
2.69%
2.69%
2.69%
2.69%
2.25%
1.90%
NA
NA
NA
2.69%
2.69%
2.69%
2.69%
2.25%
1.90%
NA
NA
NA
Free
Free
Free
Free
Free
Free
NA
NA
NA
Monthly Minimum Payment
5% of the total due or SAR 100, whichever is higher
5% of the total due or or SAR 100 whichever is higher
5% of the total due or SAR 100 whichever is higher
5% of the total due or SAR 100, which is higher
5% of the total due or SAR 100, whichever is higher
5% of the total due or SAR 100, whichever is higher
NA
NA
NA
Cash Withdrawal
SAR 75 per transaction of amount up to SAR 5000 and 3% or SAR 300, whichever is less for transactions that exceed SAR 5000
SAR 75 per transaction of amount up to SAR 5000 and 3% or SAR 300, whichever is less for transactions that exceed SAR 5000
SAR 75 per transaction of amount up to SAR 5000 and 3% or SAR 300, whichever is less for transactions that exceed SAR 5000
SAR 75 per transaction of amount up to SAR 5000 and 3% or SAR 300, whichever is less for transactions that exceed SAR 5000
SAR 75 per transaction of amount up to SAR 5000 and 3% or SAR 300, whichever is less for transactions that exceed SAR 5000
SAR 75 per transaction of amount up to SAR 5000 and 3% or SAR 300, whichever is less for transactions that exceed SAR 5000
NA
NA
NA
Late Payment Fee
SAR 100
SAR 100
SAR 100
SAR 100
SAR 100
SAR 100
NA
NA
NA
Card Reactivation Fee
SAR 100
SAR 100
SAR 100
SAR 100
SAR 100
SAR 100
NA
NA
NA
Replacement Card Fee
Riyad Bank Credit Shield per Month (Optional)
0.49% of total outstanding balance
0.49% of total outstanding balance
0.49% of total outstanding balance
0.49% of total outstanding balance
0.49% of total outstanding balance
0.49% of total outstanding balance
NA
NA
NA
Disputed Transaction
SAR 50
SAR 50
SAR 50
SAR 50
SAR 50
SAR 50
NA
NA
NA
Annual Membership Fee for Supplementary Credit Card
SAR 700
SAR 500
SAR 750
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
Administration Fee
No
No
No
No
No
No
No
No
Statement Date
Monthly
Monthly
Monthly
NA
NA
NA
NA
NA
NA
Settlement Date
Within 25 days of issuing the account statement related to the card account
Within 25 days of issuing the account statement related to the card account
Within 25 days of issuing the account statement related to the card account
NA
NA
NA
NA
NA
NA
