Credit Cards

A card with unmatched convenience and a great range of exclusive offers and discounts.

Last update on 13/05/2024


Our Credit Card offers a range of features and benefits including a flexible installment program, a generous rewards program, low FX charges, purchase protection, exclusive access to selected airports around the world and much more.

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Customer Eligibility
and conditions

  Saudi Expatriates

STP: If the customer has provided a GOSI certificate

STP: If the customer has provided a GOSI certificate

OnePack a/c held



Minimum Age at Commencement (Years-G)



Maximum Age at Maturity (Years-G)

Employed: Retirement age Retired: 70

Employed: Retirement age 

Minimum salary (SAR)

Government and semi-government: 2,000
Employer A, B, C & D: 2,000
Retired: 1,900

Government & semi-government: 7,500
Employer A & B & C: 7,500

Minimum current employment period

1 Month

3 Months

Minimum existing SIMAH history

No requirement for minimum credit history for any borrower

No requirement for minimum credit history for any borrower

GDBR (as per SAMA Responsible Lending Principles)

Schedule of Fees &

Credit Card Charges

Annual fee primary card

SAR 350*

Free For Life till 31 July 2024

Annual fee supplementary card

SAR 50

Late payment fees

SAR 100**

Credit card re-issue

SAR 30

Cash advance fees:


For cash advance up to SAR 5,000

SAR 75

For cash advance greater than SR 5,000

3% of the transaction amount and subject of a maximum of SAR 300

Credit card dispute fee (if wrong dispute)

SAR 50

Account Balance enquiry on ATM


FX rate


*meem Digital Banking has the right to cancel the Credit Card if not been activated within 90 days.

** The collected late payment fees are paid on your behalf for charity activities as per the guidelines and supervision of the Shari’ah Supervisory Board.

Fees and charges are excluded the VAT. 

Terms and conditions apply.


Annual Percentage Rate (APR)

Monthly Profit Rate

Minimum repayment Amount

Months until Balance Repaid




94 months

**If a customer only makes minimum payments on an initial outstanding principal balance of SAR 10,000/- it will take the customer 8 years to repay in full of a Total profit margin of SAR 9,579/- assuming there is no annual fee and no charges, like late payment fee and no further spending and considering Annual profit margin at the rate of 33%

Annual Percentage Rate (APR)


Salary Used for Assessment


Total Credit Cards limit *


Total Monthly Installments **

* Sum of total limit of your credit cards

** All installments other than home finance


Start over






SAR 350




Monthly Amount Due


Credit Limit

SAR -----

Credit Card Annual

Percentage Rate (APR)


- Credit Card APR is based on rough estimate.

- If there is no annual fee associated to your Credit Card the APR will be furthered reduced.

- This calculation is subject to change depending on the influencing factors such as consumer’s credit records.

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Frequently asked questions

How to apply for Platinum Credit Card?

Through meem app or website > side menu > suggested products > Credit Cards

How to activate the the card?

Through meem app or meem website by clicking on the card then on the activation option
Or through the IVR by calling 8001166336

Can I temporarily stop my card?

Through meem app or website > card > Plus sign "+" > Safe Mode

When the credit card statement generated?

Card statement will be generate on 7th of every month
And customer can get it from mail box in meem app

When is the due date?

Due date is 28th of every month

Can I change my card PIN?

Yes you can from meem app by clicking on the Card > Plus sign "+" > Change the PIN

How can I pay the due amount?

You can pay the due amount through transferring the amount from you current account to your credit card account

How can I cancel my credit card?

Thought calling us on 8001166336 and raise cancellation request

Can I issue supplementary credit card?

Yes you can from meem app by clicking on the Card > Plus sign "+" > New Supplementary Credit Card

How many supplementary credit card I can issue?

You can issue up to 4 cards for first degree relatives

Can I access VIP Lounges in Airports?

Yes you can access up to 25 Lounges globally

How can I know the lounges?

Through Dragon Pass by entering your card information

Islamic Credit Cards Terms and Conditions

Click Here

Download the app to get started

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