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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) 40,000

    Annual percentage rate 53.11%

    *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

Lounge Access

With your Alfransi VISA Signature and VISA Infinite Credit Cards, you will receive access to over 900 airport lounges across the globe to enjoy piece of mind when traveling before you leave and especially when you have those bothersome layovers.

All you need to do is register on LoungeKey mobile application to have a full view of the lounges you are entitled to across the globe.

From January 01/01/2019 onwards, you will be eligible for free entry to the lounges and will renew every year once you meet the criteria of the eligibility conditions. The conditions are based on the mentioned in the below table:

Card Type If Cardholder does not spend 1USD If Cardholder Spends 1USD
Signature 1 Free entries for the Cardholder 11 Free entries for the Cardholder

The condition will be eligible once you spend 1USD (3.75 SAR) annually through POS or Website purchases outside the kingdom. Any entries after exceeding the eligibility entry will cost the customer 27 USD for one person in one visit. Your free entries will be renewed on every first of January of each year.