

More than just a Credit Card, the meem Platinum Credit Card is for those who value reliability
With no hidden fees, our Shariah Compliant Credit Card offers you the luxury of
knowing your commitment upfront, without any surprises
Features


meem As'hal Program
Convert your purchases into installments from 0%


Near Field Communication (NFC)
Fast point of sale Transactions


ajeeb Rewards Program
Credit Card Reward Program


Up to 30% Cash Withdrawal from total available balance


Switch on ``Safe-Mode`` on your card when it’s not needed


Our Credit Card is Shariah Compliant


PCI DSS compliant


One of the lowest FX rates in the Kingdom, our 1.3% conversion rate makes it one of the best companions for travel


Airport lounge access to over 25 lounges globally
Customer Eligibility and Conditions:
Product | Credit Card | ||||
Nationality | Saudi | Expatriates | |||
Fulfilment | STP: If the customer has provided a GOSI certificate | ||||
OnePack a/c held | Yes | ||||
Minimum age at commencement (Years-G) | 18 | ||||
Maximum age at maturity (Years-G) | Customer must be 62 years old at the time of applying | ||||
Minimum salary (SAR) | 5,000 | Employer classes A&B: 5,000 | |||
Whitelist employer | Yes | ||||
Minimum current employment period (govt sector) | 1 Month | ||||
Minimum current employment period (Private sector) * | 4 months | ||||
Minimum existing SIMAH history | No requirement for minimum credit history for any borrower | ||||
Minimum credit limit (SAR) | 2,000 | ||||
Maximum credit limit | Up to 2 salaries | ||||
GDBR (as per SAMA Responsible Lending Principles) |
*subject to confirmation of the applicant completing their probation period if their current employment period is less than 6 months
Schedule of Fees & Charges:
Credit Card | Charges |
Annual fee primary card | SAR 287.50** |
Annual fee supplementary card | SAR 57.50 |
Late payment fees | SAR 115 |
Credit card re-issue | SAR 34.50 |
Cash advance fees: | |
For cash advance up to SAR 5,000 | SAR 86.25 |
For cash advance greater than SR 5,000 | 3.15% of the transaction amount and subject of a maximum of SAR 315 |
Credit card dispute fee (if wrong dispute) | SAR 57.0 |
Account of Balance enquiry on ATM | Free |
FX rate | 1.30% |
- The fees and charges with asterisk (*) includes value added tax 15%
- ** No annual fees for the first year, meem Credit Card remains free for life against a minimum spend of SAR 24,000 per annum from the date of the card’s issuance
- If the minimum spends required are not met, annual fees for the subsequent year will be applied
- meem Credit Card must be activated within 45 days of issuance
- * Terms and conditions apply
Illustration:
Annual Percentage Rate (APR) | Monthly Profit Rate | Credit Card Purchase Rate | Minimum repayment Amount | Months until Balance Repaid |
24% | 2% | 2% | 5% | 189 months |
- The above illustration is based on an outstanding value of SAR 1,000/-
- The above table is for illustration example, and the annual percentage rate may vary according to the amount, maturity period and credit score for each customer.
- If the minimum amount is paid monthly, it will take approximately 189 months to pay off the full amount subject to compound interest / and added profits every month.
Price or calculation is subject to change depending on the influencing factors such as consumer’s credit records