Bank AlJazira — Credit Cards, Fees, Auto Lease & Savings
Bank AlJazira is a fully Sharia-compliant Saudi Islamic bank offering credit cards, airline miles cards, savings accounts and auto leasing. Its credit card range starts from SAR 50/year (Ajwaa Digital Card), making it one of the most accessible entry-level card options in the Saudi market. The AlJazira Miles Card earns points on spending redeemable for flights at SAR 700/year. Bank AlJazira is a smaller bank by Saudi standards, targeting customers who want competitive fees and straightforward Islamic banking products.
Live offers
- Savings Account
- Ajwaa Digital Card
- Bank AlJazira Multi-Currency card
- Tomouh Low Limit Credit Card
- Classic Credit Card
| Provider | Bank AlJazira |
|---|---|
| Country | Saudi Arabia |
| Provider type | Full-service Islamic bank |
| Sharia compliance | 100% — all products are Sharia-compliant |
| Credit cards | From SAR 50/year (Ajwaa Digital) to SAR 700/year (Miles Card) |
| Live offers on Giraffy | 16: 13 credit cards, 2 auto lease plans, 1 savings account |
| Credit card annual fees | SAR 50 (Ajwaa Digital) to SAR 1,000 (World Elite Mastercard) |
| Credit card profit rate | 2.20%–2.90% a month; 5% minimum monthly payment |
| Auto lease | From 5.50% APR, up to SAR 800,000 over 60 months, minimum salary SAR 4,000 |
| Savings account | Indicative 2.00% profit, paid monthly (Mudarabah), no minimum deposit |
| Best for | Users wanting a low annual fee entry-level Islamic credit card |
| Alternatives | Bank AlBilad, SAIB, ANB, BSF |
Best for
- Users who want the lowest annual fee Islamic credit cards in Saudi Arabia
- Customers who want travel miles from the AlJazira Miles Card (SAR 700/year)
- Savers who want an Islamic savings account with a straightforward structure
Not ideal for
- Users who need the widest branch network — Al Rajhi and SNB are far larger
- Users who want the best cashback rates — Riyad Bank's Al-Hilal range is stronger
Bank AlJazira credit cards
Twelve Sharia-compliant credit cards on Giraffy, with annual fees from SAR 50 to SAR 1,000.
- Ajwaa Digital: SAR 50 a year, 2.20% monthly profit rate, 0.5 points per SAR at home and 1 abroad
- Ajwaa Platinum: SAR 300 a year, 2 points per SAR at home, 15,000-point welcome bonus after SAR 1,000 spend in 45 days
- Ajwaa Infinite: SAR 900 a year, 2.75 points per SAR at home, Priority Pass lounges and travel insurance, 25,000-point welcome bonus
- International transaction fee 2.00% on most cards; cash withdrawal 3% up to SAR 75
Best for: Ajwaa Digital for the lowest fee; Ajwaa Platinum for points without a premium annual fee.
Bank AlJazira auto lease
Two auto lease structures, both from 5.50% APR.
- Up to SAR 800,000 over up to 60 months
- Minimum salary SAR 4,000; no salary transfer required
- Flexible plan with 0% down payment, or 50%–50% with half paid at the start
- Open to Saudi nationals and expatriates; insurance included
Bank Aljazira vs alternatives
Bank Aljazira vs Bank AlBilad
Mid-size Islamic bank with airline miles credit cards. Bank AlJazira vs Bank AlBilad: AlJazira's SAR 50 Ajwaa Digital Card is among the lowest annual fees in the market. Bank AlBilad focuses on AlFursan miles. Compare your preferred card category.
Bank Aljazira vs SAIB
Saudi Investment Bank with credit cards from SAR 100/year. Bank AlJazira vs SAIB: Both are smaller Saudi banks. AlJazira's SAR 50 entry card is cheaper than SAIB's SAR 100 EasyShopping card. Compare current reward rates.
Bank Aljazira vs ANB
Arab National Bank with airline miles and cashback cards. Bank AlJazira vs ANB: ANB has a broader product range. AlJazira is a strong choice for the lowest annual fee credit cards in the Islamic banking sector.
Bank Aljazira in Saudi Arabia — FAQ
What is the Ajwaa Digital Card from Bank AlJazira?
The Ajwaa Digital Card is Bank AlJazira's entry-level Islamic credit card at SAR 50/year — one of the lowest annual fees among Saudi bank credit cards. It is managed digitally.
Does Bank AlJazira offer airline miles?
Yes. The AlJazira Miles Card earns travel miles redeemable for flights. The annual fee is SAR 700/year.
What are the Bank AlJazira credit card fees?
On Giraffy's data, annual fees run from SAR 50 (Ajwaa Digital) through SAR 100 (Tomouh Low Limit), SAR 150 (Classic), SAR 200 (Platinum, Ajwaa Plus, Platinum Mastercard), SAR 300 (Ajwaa Platinum), SAR 500 (Ajwaa Signature) and SAR 700 (Infinite) to SAR 1,000 (World Elite Mastercard). The monthly profit rate is 2.20%–2.90%, late payment is SAR 100 on most cards, card replacement SAR 15, and cash withdrawals cost 3% up to SAR 75. Most cards charge a 2.00% international transaction fee.
How does Bank AlJazira car financing (auto lease) work?
Bank AlJazira's Auto Lease Finance starts from 5.50% APR for up to SAR 800,000 over a maximum of 60 months, with a minimum salary of SAR 4,000 and no salary transfer required. There are two structures on Giraffy: Flexible (0% down payment) and 50%–50% (50% paid up front, the rest at the end). Insurance is included and both Saudi nationals and expatriates are eligible.
What is the Bank AlJazira savings account profit rate?
Giraffy lists an indicative 2.00% profit rate on the Bank AlJazira Savings Account, paid monthly and calculated on the daily balance. It is a Mudarabah account with no minimum deposit, unlimited withdrawals and no withdrawal penalty; a linked current account is required.
Credit Cards from Bank AlJazira: Unlock Exclusive Benefits
Bank AlJazira offers a range of credit cards to suit your lifestyle, providing benefits such as:
- Mokafaaty Program: Earn reward points on every purchase, redeemable for travel, shopping, and more.
- Worldwide Acceptance: Use your card at millions of locations globally with confidence.
- Secure Transactions: Enjoy peace of mind with advanced security features protecting your purchases.
- Flexible Payment Options: Manage your expenses with convenient payment plans and installment options.
Why Choose Bank AlJazira for Credit Cards?
- Rewarding Benefits: Participate in the Mokafaaty Program to earn and redeem points effortlessly.
- Global Acceptance: Make purchases worldwide with ease and security.
- Customer Support: Access dedicated assistance for all your credit card-related inquiries.
Bank Aljazira Auto Leasing: Ijarah-Based Mobility Solutions
Bank Aljazira Auto Leasing is an Ijarah-based program for new and certified pre-owned vehicles, offering customizable down-payment and tenure options. Apply easily via the AlJazira SMART App, AlJazira Online portal, or at approved partner showrooms, and enjoy swift approvals and seamless contract management.
Why Choose Bank Aljazira for Auto Leasing?
- Shariah-compliant Ijarah agreements approved by BAJ’s Shariah Board
- Customizable down-payment and end-of-lease structures
- Flexible lease tenures to suit individual budgets
- Quick online approvals and digital contract management
- Optional insurance and maintenance bundles