Credit Card Fees Decoded: Every Fee Explained

Late Payment Fee (SAR 75-300): Charged when you miss the due date. Avoidable by setting up autopay.

Cash Advance Fee (3-5% + profit from day 1): Charged when you withdraw cash from your credit card at an ATM. This is the most expensive credit card transaction — avoid it entirely. There's no grace period; profit starts immediately.

Foreign Transaction (FX) Fee (1.5-3.5%): Charged on international purchases or online purchases in foreign currencies. Some premium cards waive this. If you travel or shop internationally frequently, look for a card with 0% FX fee.

Overlimit Fee (SAR 75-200): Charged when your spending exceeds your credit limit. Most banks now decline transactions instead, but some still allow overlimit spending with a fee.

Replacement Card Fee (SAR 50-100): Charged for a replacement if you lose your card. Some premium cards waive this.

Statement Copy Fee (SAR 25-50): Charged for requesting paper copies of old statements. Use your bank's app — digital statements are free.