SELECTIVE Credit Card
Al Rajhi Bank
Card Information
Overview
Key Metrics
Free
Annual Fee
No annual fee on this card — all your rewards are pure profit.
SAR 2,547 /yr
Est. Net Annual Value
Estimated net earnings per year (rewards minus fees) based on an average Saudi monthly spend of SAR 7,000. Your actual value depends on your real spending.
5% top · 3.09% avg
Earn Rate
The top earn rate is 5% on select categories. On average, you'll earn about 3.09% across all your spending. Example: spend SAR 1,000 and earn roughly SAR 31 back.
SAR 75,000
Welcome Bonus
A one-time bonus when you open the card. Earn 75,000 welcome Mokafaa points when spending SAR 25,000 in the first 90 days from the card issuance date
13 benefits · ≈SAR 7,400
Included Perks
Perks are estimated at SAR 7,400/yr total. The actual value depends on how often you use each benefit.
3.03%
Return on Spend (ROI)
For every SAR 100 you spend, you get back about SAR 3.03 after fees. The higher this number, the better the card is for you.
How much will you earn from this card?
Based on avg. Saudi spend (SAR 7,000/mo)
SAR 3,297
Year 1 (incl. bonus)
SAR 2,547
Every year after
• Projections based on avg. Saudi spending (SAR 7,000/mo). Your actual spending may differ — use the calculator for personalized results.
• Card terms may be changed by the bank at any time, affecting projected values.
• Perk values are estimates based on bank-third party agreements and subject to revision.
Pros
Cons
Fees & Rates
The fee the bank charges yearly for the card.
Extra fee charged on purchases in foreign currencies. Example: SAR 1,000 purchase = SAR 20 fee.
Rewards & Benefits (Points)
Return Type
Earn Rates by Category
The earn rate is how much you get back on each purchase. For example, 5% means for every SAR 100 you spend, you earn SAR 5 back.
Spend SAR 1,000/mo → earn ~SAR 3,000
Spend SAR 1,000/mo → earn ~SAR 3,000
Spend SAR 1,000/mo → earn ~SAR 3,000
Spend SAR 1,000/mo → earn ~SAR 3,000
Spend SAR 1,000/mo → earn ~SAR 3,000
Spend SAR 1,000/mo → earn ~SAR 3,000
Spend SAR 1,000/mo → earn ~SAR 5,000
Spend SAR 1,000/mo → earn ~SAR 3,000
Spend SAR 1,000/mo → earn ~SAR 3,000
Spend SAR 1,000/mo → earn ~SAR 3,000
Spend SAR 1,000/mo → earn ~SAR 3,000
Spend SAR 1,000/mo → earn ~SAR 3,000
Spend SAR 1,000/mo → earn ~SAR 3,000
Spend SAR 1,000/mo → earn ~SAR 3,000
Spend SAR 1,000/mo → earn ~SAR 0
Benefits
- Airport Lounge Access — Access to over 1,200 global airport lounges through the Visa Airport Companion app. (≈ SAR 2000)
- Travel Insurance — Visa travel insurance including: Personal accident cover USD 500,000 internationally and USD 50,000 domestic; medical and emergency evacuation up to USD 500,000; evacuation and repatriation up to USD 500,000; daily hospital expenses USD 50/day up to USD 1,500; flight cancellation up to USD 5,000; loss of personal effects up to USD 150; absenteeism up to USD 1,000; flight delay up to USD 1,000; baggage delay up to USD 500. (≈ SAR 1500)
- Purchase Protection — Purchase protection on stolen or damaged goods purchased using your credit card. (≈ SAR 200)
- Extended Warranty — Extended warranty for purchases made using the credit card. (≈ SAR 100)
- Concierge Service — 24/7 global concierge service assisting with flight bookings, hotels, car rentals, and event tickets. Available from inside Saudi Arabia at 8008443488, from outside at +97143611234 or via WhatsApp +447520631645. (≈ SAR 500)
- 0% Installment Plans — Tasaheal program: Convert transactions into equal and flexible monthly installments with 0% profit margin and zero processing fee through program partners. (≈ SAR 300)
- Free Supplementary Cards — 2 free supplementary cards for immediate family members with the same features and benefits as the primary card, including control over credit limit, notifications, and verification codes. (≈ SAR 100)
- Meet & Greet — Up to 20% discount on YQ Airport Meet & Assist service for reception and assistance at over 450 international airport destinations. (≈ SAR 300)
- Dining Discounts — Exclusive airport dining offers with 200+ restaurants globally through Visa Airport Companion program at Visa Dine & Travel App. Also includes Entertainer app with 2-for-1 offers at restaurants, beauty salons, gyms and more. (≈ SAR 800)
- Car Rental Discounts — Up to 15% discount on car rentals worldwide + Platinum membership at SIXT. 10% discount at Budget rental cars. 10% discount at Rentalcars.com. Up to 35% discount at Avis Car Rental. (≈ SAR 400)
- Hotel Discounts — 15% discount at IHG Hotels & Resorts. Up to 20% discount at Jumeirah Hotel & Resort. 12% discount at Agoda. Elite Hotels via Visa Luxury Hotel Collection: automatic room upgrade, complimentary continental breakfast, free internet, early check-in and late check-out. (≈ SAR 600)
- Entertainment — Up to 50% discount on eTickets via BookingBASH website and app. Entertainer app with 2-for-1 offers from restaurants to beauty salons, gyms and more. (≈ SAR 600)
- Digital Wallet — NFC-enabled card supporting MADA Pay, Samsung Pay, and Apple Pay for fast and easy contactless payments at point-of-sale terminals.
Billing & Repayment
Statement Date
Monthly
Payment Due
25 days after statement date
Features
General Features
Access to over 1,200 global airport lounges through the Visa Airport Companion app.
Visa travel insurance including: Personal accident cover USD 500,000 internationally and USD 50,000 domestic; medical and emergency evacuation up to USD 500,000; evacuation and repatriation up to USD 500,000; daily hospital expenses USD 50/day up to USD 1,500; flight cancellation up to USD 5,000; loss of personal effects up to USD 150; absenteeism up to USD 1,000; flight delay up to USD 1,000; baggage delay up to USD 500.
Purchase protection on stolen or damaged goods purchased using your credit card.
Extended warranty for purchases made using the credit card.
24/7 global concierge service assisting with flight bookings, hotels, car rentals, and event tickets. Available from inside Saudi Arabia at 8008443488, from outside at +97143611234 or via WhatsApp +447520631645.
Tasaheal program: Convert transactions into equal and flexible monthly installments with 0% profit margin and zero processing fee through program partners.
2 free supplementary cards for immediate family members with the same features and benefits as the primary card, including control over credit limit, notifications, and verification codes.
Up to 20% discount on YQ Airport Meet & Assist service for reception and assistance at over 450 international airport destinations.
Exclusive airport dining offers with 200+ restaurants globally through Visa Airport Companion program at Visa Dine & Travel App. Also includes Entertainer app with 2-for-1 offers at restaurants, beauty salons, gyms and more.
Up to 15% discount on car rentals worldwide + Platinum membership at SIXT. 10% discount at Budget rental cars. 10% discount at Rentalcars.com. Up to 35% discount at Avis Car Rental.
15% discount at IHG Hotels & Resorts. Up to 20% discount at Jumeirah Hotel & Resort. 12% discount at Agoda. Elite Hotels via Visa Luxury Hotel Collection: automatic room upgrade, complimentary continental breakfast, free internet, early check-in and late check-out.
Up to 50% discount on eTickets via BookingBASH website and app. Entertainer app with 2-for-1 offers from restaurants to beauty salons, gyms and more.
NFC-enabled card supporting MADA Pay, Samsung Pay, and Apple Pay for fast and easy contactless payments at point-of-sale terminals.
Card Details
Bank Information
More cards from Al Rajhi Bank
Estimate Your Credit Card Rewards
Your Estimated Rewards
SAR 0 / year
Based on your spending profile
Data sourced from banks
All card information, rates, fees, and benefits are sourced directly from the official bank card pages. Banks may update their terms and conditions at any time. We recommend verifying the latest details on the bank's website or contacting the bank directly before making any financial decision.
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