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Fees & Charges


  • Late Payment Fee

    SAR 100

  • Monthly Interest

    2.75%

  • Transaction dispute fee (Unsuccessful)

    SAR 50

  • Cash withdrawal fee (Up to SAR 5,000)

    SAR 75

  • Cash withdrawal fee (More than SAR 5,000)

    3%, subject to a maximum of SAR 300

  • Forex mark-up

    2.75%

  • Duplicate statement

    SAR 50

  • Card replacement fee

    SAR 150

  • Finance charges on cash transaction

    will be calculated from transaction date

  • Temporary Credit Limit Increase

    SAR 50



  • Credit limit (example) 10,000

    Annual percentage rate 70.52%

    *All product and service fees are subject to VAT rate of 5%


AFKL conventional credit card Terms and conditions
  • Current account with Banque Saudi Fransi
  • Age: Minimum 18 years, Maximum 60 years for non-priority clients
  • Signed copy of ID
  • Salary certificate Letter & Payslip
  • Last 3 months account statement reflecting salary (if salary not assigned)
  • Commercial registration (only for self-employed)
  • Company certificate (only for self-employed)
  • Copy of last 6 months bank statement (only for self-employed)
  • Complete and signed application and terms and conditions
  • Apply through your nearest branch
  • For supplementary cards: a signed copy of the user’s ID