Credit Cards Fees and Charges

Annual Fees

Visa Basic / MasterCard Titanium SAR 400

Visa Platinum / MasterCard Platinum SAR 600

MasterCard World / Visa Infinite / Visa Signature (Note: For Wessam Customers only)

Free

Annual Profit mark up

(Calculated on the outstanding

balance that is not fully paid by

the payment due date)

For customers with monthly income SAR 4,000 and above 24%

For customers with monthly income betweenSAR 2,500 3,999 28.8%

Monthly Tawarruq fee 0.3%

Annual Profit Rate

(APR)

Mass Segment Income < SAR 4,000/Month Income SAR 4,000/Month

MasterCard Titanium38.75% 32.39%

Visa Basic

MasterCard Platinum39.29% 32.91%

Visa Platinum Note: APR computed based on limit ceiling of SAR100,000

Wessam Segment

MasterCard World

31.37%Visa Infinite

Visa SignaturePrivate Banking

MasterCard World Elite 31.37%

Visa Infinite Privilege

Cash Withdrawal Limit 30% of Credit Card Limit

Cash Withdrawal Fee SAR 75 per cash withdrawal

Card Re-activation Fee SAR 100

Supplementary Card Fees Annual fee waved for the first 3 supplementary cardsAbove 3 cards, 50% of primary card annual fee each

Himayati Program Fees 0.39% monthly of the total balance due for Himayati0.49% monthly of the total balance due for Himayati Plus

Minimum monthly payment 5% of the outstanding balance due or SAR 100 whichever is higher

Grace Period 20 days from the account statement date

Statement Cycle Monthly following Gregorian calendar

Fees for foreign currency

conversion

2.75%For example:

Transaction amount in foreign currency: 1,000.00 Conversion rate: 1.00 = SAR 4.25 Transaction Amount in Saudi Riyals: SAR 4,250.00 Fees for Foreign currency conversion:

SAR 4,250.00 * 2.75% = SAR 116.88 Total Transaction Amount in Saudi Riyals:

SAR 4,250.00 + SAR 116.88 = SAR 4,366.88