Bank AlBilad Review, Offers, Rates & Alternatives
Bank AlBilad is a fully Sharia-compliant Saudi bank known for competitive credit cards including AlFursan airline miles cards and savings accounts. It was established in 2004 as a bank serving the local Saudi community with an emphasis on Islamic finance. The bank offers credit cards, prepaid cards, savings accounts, home finance, personal finance and auto finance. Bank AlBilad is mid-size by Saudi standards but has grown its digital presence and youth-oriented products in recent years.
Live offers
- Tamkeen plus platinum
- Tamkeen plus infinite
- Tamkeen plus signature
- Digital Personal Finance
- Auto Financing (Murabaha)
| Provider | Bank AlBilad |
|---|---|
| Country | Saudi Arabia |
| Provider type | Full-service Islamic bank |
| Sharia compliance | 100% — all products are Sharia-compliant |
| Products | Credit cards, airline miles cards, savings, accounts, home finance, personal finance, auto finance, prepaid cards |
| Best for | Mid-size Islamic bank with competitive airline miles credit cards |
| Alternatives | ANB, SAB, BSF, Bank Aljazira |
Best for
- Saudi residents wanting a mid-size Sharia-compliant bank with airline miles credit cards
- Savers who want Islamic savings accounts with competitive profit rates
Not ideal for
- Users who need the largest branch network — go to Al Rajhi or SNB
- Expats who value international banking heritage — SAB or BSF are better choices
Bank AlBilad credit cards
Giraffy lists eight Bank AlBilad credit and charge cards in two families: the Tamkeen Plus revolving cards and the full-payment charge cards.
- Tamkeen Plus Platinum, Signature and Infinite: SAR 0 annual fee; monthly profit rate 1.99% (Platinum) or 1.80% (Signature, Infinite); 5% minimum payment
- Tamkeen Plus Classic: SAR 287.50 a year, 1.80% monthly profit rate
- Charge cards — Silver SAR 195.50, Platinum SAR 425.50, Signature SAR 483 and Infinite SAR 540.50 a year — must be repaid in full each month
- Late payment fee SAR 100 across the range
Best for: Tamkeen Plus Platinum or Signature if you want a no-annual-fee card at Platinum tier or above.
Bank AlBilad personal and auto finance
Bank AlBilad's finance products are Sharia-compliant and need a salary transfer.
- Digital Personal Finance: from 4.49% APR, up to SAR 2,000,000 over up to 60 months, 1% admin fee
- Auto Financing (Murabaha): from 5.63% APR over up to 60 months
- Minimum salary from SAR 3,000 (SAR 3,500 for some applicants); open to Saudi nationals and residents
Best for: Salaried borrowers who can move their salary to Bank AlBilad.
Medad prepaid cards
Medad is Bank AlBilad's prepaid card range, listed at SAR 100 a year.
- Medad Prepaid Card: 2.50% international transaction fee
- Multi-currency Medad Card: 2.00% international transaction fee
- SAR 25 cash withdrawal fee, locally and abroad; SAR 50 card replacement
Best for: Multi-currency Medad for travellers who want a lower foreign-spend fee than the standard Medad card.
Bank AlBilad home finance
Flexible Real Estate Financing is Bank AlBilad's main home finance product on Giraffy.
- Finance up to SAR 5,000,000 over up to 30 years
- 1% admin fee; rate depends on eligibility
- Minimum salary SAR 3,000; listed for Saudi nationals, no salary transfer required
Bank AlBilad vs alternatives
Bank AlBilad vs ANB
Arab National Bank — comparable mid-size bank with airline miles cards. Bank AlBilad vs ANB: Both are mid-size Saudi Islamic banks with airline miles credit cards. Compare annual fees and miles earn rates on current offers.
Bank AlBilad vs Bank Aljazira
Another mid-size Saudi bank with savings and card products. Bank AlBilad vs Bank Aljazira: Both are comparable Saudi banks. Bank AlBilad has a wider product range. Compare savings rates and credit card terms.
Bank AlBilad in Saudi Arabia — FAQ
Is Bank AlBilad fully Islamic?
Yes. Bank AlBilad is 100% Sharia-compliant. All products are based on Islamic finance principles.
Does Bank AlBilad offer AlFursan miles?
Yes. Bank AlBilad offers credit cards that earn SAUDIA AlFursan miles. Compare the annual fee and earn rate with equivalent cards from Al Rajhi, Alinma and Riyad Bank on Giraffy.
Which Bank AlBilad credit cards have no annual fee?
Three Tamkeen Plus cards list a SAR 0 annual fee: Platinum (1.99% monthly profit rate), Signature and Infinite (both 1.80%). The Tamkeen Plus Classic costs SAR 287.50 a year, and the Silver, Platinum, Signature and Infinite charge cards cost SAR 195.50–540.50 a year and must be paid in full each month.
What is the Bank AlBilad personal finance rate?
Bank AlBilad's Digital Personal Finance is listed from 4.49% APR, for up to SAR 2,000,000 over a maximum of 60 months, with a 1% admin fee and a minimum salary from SAR 3,000. Compare it with personal finance from Al Rajhi, SNB and Alinma on Giraffy before you apply.
How much does the Bank AlBilad Medad prepaid card cost?
Both Medad cards are listed at SAR 100 a year. The Multi-currency Medad Card charges a 2.00% international transaction fee against 2.50% on the standard Medad Prepaid Card; cash withdrawals cost SAR 25.
Bank AlBilad Auto Finance: Drive Your Dream Car with Ease
Bank AlBilad Auto Finance simplifies vehicle ownership by letting you browse partner-dealer inventories in-app, compare monthly instalments with our interactive calculator, and submit your documents electronically. Enjoy next-business-day approval, delivery coordination, and optional Takaful or maintenance bundles—all managed from the AlBilad App, online portal, or any branch.
Why Choose Bank AlBilad for Auto Finance?
- Ethical Murabaha-based financing
- Zero down-payment options
- Instant, next-business-day approvals
- In-app instalment calculator and document upload
- Optional Takaful and maintenance packages
Credit Cards
Bank AlBilad Home Finance: Ethical & Flexible Path to Home Ownership
Bank AlBilad’s “Dari” Home Finance is your end-to-end solution for purchasing completed homes, financing off-plan developments, or self-construction projects. Through the AlBilad App, online portal, or any branch, you can run real-time repayment simulations, request property valuations, and track every step of your application—backed by personalised advisory at key milestones.
Why Choose Bank AlBilad for Home Finance?
- Ethical Shariah-compliant Murabaha contracts
- Transparent terms with no hidden fees
- Customisable down-payment and tenure plans
- Multi-channel support: app, online portal, or in-branch
- Dedicated relationship managers and optional Takaful
Bank AlBilad Personal Finance: Fast, Shariah-Compliant Funding
Bank AlBilad Personal Finance lets you fulfil goals—from education and travel to home improvements—through a guided, minimal-document journey. Use the AlBilad App to upload just the essentials, get instant pre-qualification, and receive funds directly into your account within hours, then manage and adjust your plan online as needed.
Why Choose Bank AlBilad for Personal Finance?
- Shariah-approved Murabaha financing
- 24/7 digital pre-qualification and application
- Flexible repayment and installment-pause options
- No salary-transfer requirement; retirees eligible
- Responsive customer support throughout