Prices of financing and savings products

1. Salary Assigned ?

Yes No

2. Customer Type ?

Saudi Expat

Financing Amount Required

20,000 SAR 3,000,000 SAR

Tenor

1 Year(s) 5 Year(s)

Salary

5,000 SAR 500,000 SAR

* Interest rates vary by tenor & subject to bank policy

* Management fees: 1% of finance amount (capped at SAR 5,000). Late payment fees: SAR 150. EMI deferment fees: SAR 100. Early settlement fees: 3 months term cost from date of finance closure.

*Management fees: 1% of finance amount (capped at SAR 5,000). Late payment fees: SAR 150. EMI deferment fees: SAR 100.

With Personal Finance, monthly installment is

SAR

*

APR may differ depending on the amount and maturity period and subject to credit scoring of each customer

*Subject to terms and conditions.

1. Select Credit Card?

Click here for Fees & Charges

APR is subject to change depending on the card's credit limit and outstanding balance.
Product tiers (Platinum or Infinite) and the Credit Limit assigned to customer is subject to Bank's internal policies and review of customer's credit report
Minimum Income required for Infinite cards is 30,000

Last modification : 26^th July 2023

APR

Annual Fee

{0}

Monthly Interest Rate is
{0} % *
Bank reserves the right to change fee and rates at any time with appropriate notice to
customers

*Subject to terms and conditions.

1. Salary Assigned ?

Yes No

Property Value

300,000 SAR 5,000,000 SAR

Tenor

5 Year(s) 30 Year(s)

Down Payment

10 % 90 %

* Interest rates vary by tenor & subject to bank policy
In case of early settlement, 3 following months profit will be charged.
Management fee of 1% from financed amount or capper at SAR 5,000 whichever is lower (including evaluation fee).

Last modification: 10^th April 2025

With Home Financing, monthly installment is

SAR

*

APR may differ depending on the amount and maturity period and subject to credit scoring of each customer.

*Subject to terms and conditions.

1. Select Auto Lease Type ?

2. Select Finance Type ?

Car Price

SAR 20000 SAR 1200000

Down Payment

% 0 % 90

Balloon Payment

% 3 % 35

Tenor

Years 1 Years 5

Note: Profit Rates, Down Payment, Balloon Payment, Tenor and the Financing Limits may vary & are subject to Bank's policy
Management Fee 1% of the finance amount or 5000 whichever is lower
For 50/50 program: Maximum Financing Amount is capped at 500,000 for regular cars and 750,000 for (Bentley Only)

Salary Type	New cars	Certified pre owned	50-50
Salary assigned	Minimum monthly salary required for this financing option is SAR 5000	Minimum monthly salary required for this financing option is SAR 5000	Minimum monthly salary required for this financing option is SAR 10000
Non salary assigned	Minimum monthly salary required for this financing option is SAR 5000	Minimum monthly salary required for this financing option is SAR 5000	Minimum monthly salary required for this financing option is SAR 10000
Self employed	Minimum monthly salary required for this financing option is SAR 30000	Minimum monthly salary required for this financing option is SAR 30000	Minimum monthly salary required for this financing option is SAR 30000

Last modification : 24^th April 2025

1. Customer Type?

Saudi Expat

2. Car Type?

Standard / Luxury Sports / Coupe

Finance Amount

{0} SAR

Down Payment Amount

{0} SAR

Term Cost

{0} SAR

Balloon Payment Amount

{0} SAR

APR

{0}%

Management Fees

{0} SAR

Insurance Amount

{0} SAR

Total Repayment amount

{0} SAR

Based on the Auto Lease program, your monthly installment is

SAR

*

APR may differ depending on the amount and maturity period and subject to credit scoring of each customer

*Subject to terms and conditions.

The net finance amount must be more than SAR 20,000 to calculate the monthly installment. Please adjust your inputs or contact us for further assistance.

Emirates NBD Credit Cards	Rahhala Platinum	Rahhala Infinite	Platinum	Platinum Plus	Mazeed Cashback	Infinite
Membership Fees
Annual Fee	300	700	300	Free	200	700
Supplementary Cards (Up to 5 Cards)	Free	Free	Free	Free	Free	Free
Other Fees and Charges
Annual Percentage Rate (APR)*	45.08%	48.07%	45.08%	42.82%	44.32%	48.07%
Interest Rate (Retail Purchases) Interest Rate (Cash Advance)	2.99%	2.99%	2.99%	2.99%	2.99%	2.99%
Cash Advance Fee (of 5,000 or less)	75	75	75	75	75	75
Cash Advance Fee (more than 5,000)	3% up to 300	3% up to 300	3% up to 300	3% up to 300	3% up to 300	3% up to 300
Late Payment Fee	100	100	100	100	100	100
Foreign Currency Transaction Fee	3.10%	3.10%	3.10%	3.10%	3.10%	3.10%
Card Replacement Fee	50	50	50	50	50	50
Copy of Sales Voucher	50	50	50	50	50	50
Credit Shield	0.49%	0.49%	0.49%	0.49%	0.49%	0.49%
Duplicate Statement Fee (per copy)
Up to last 3 months	Free	Free	Free	Free	Free	Free
General
Payment Due Date	23 Days	23 Days	23 Days	23 Days	23 Days	23 Days
Credit Period	Up to 53 Days	Up to 53 Days	Up to 53 Days	Up to 53 Days	Up to 53 Days	Up to 53 Days
Minimum Payment Due	5% or 100 (whichever is higher)	5% or 100 (whichever is higher)	5% or 100 (whichever is higher)	5% or 100 (whichever is higher)	5% or 100 (whichever is higher)	5% or 100 (whichever is higher)
Cash Advance Limit	30%	30%	30%	30%	30%	30%

Example of how interest is calculated

SME Financing Example

Product	APR	Management Fee
Short Term loan	between 4.5% and 10%	1.75% to 4% (of the financed amount)
Medium Term Loan	Between 5% and 10%	2% to 4% (of the financed amount)

Examples:

STL for Direct payment to Supplier for SAR 1,620,000 with tenor of 172 days and an APR of 5.5% would have a profit rate of SAR 42,547.86.
STL for Direct payment to Supplier for SAR 600,000 with tenor of 123 days and an APR of 6.75% would have a profit rate of SAR 13,840.43.
STL for Direct payment to Supplier for SAR 150,000 with tenor of 100 days and an APR of 8.2% would have a profit rate of SAR 3,452.38.

SME Financing Example

Product	APR	Management Fee
Short Term loan	between 4.5% and 10%	1.75% to 4% (of the financed amount)
Medium Term Loan	Between 5% and 10%	2% to 4% (of the financed amount)

Examples:

STL for Direct payment to Supplier for SAR 1,620,000 with tenor of 172 days and an APR of 5.5% would have a profit rate of SAR 42,547.86.
STL for Direct payment to Supplier for SAR 600,000 with tenor of 123 days and an APR of 6.75% would have a profit rate of SAR 13,840.43.
STL for Direct payment to Supplier for SAR 150,000 with tenor of 100 days and an APR of 8.2% would have a profit rate of SAR 3,452.38.

Example of how monthly installments are calculated

Personal Finance Example

Islamic Salary Transfer Financing

Example 1: For personal finance of SAR 200,000 over 60 months, the APR will be 5.32% and the monthly installment will be SAR 3,791
Example 2: For personal finance of SAR 150,000 over 36 months, the APR will be 4.86% and the monthly installment will be SAR 4,479
Example 3: For personal finance of SAR 100,000 over 12 months, the APR will be 4.21% and the monthly installment will be SAR 8,521

Islamic Non – Salary Islamic Financing

Example 1: For personal finance of SAR 200,000 over 60 months, the APR will be 8.15% and the monthly installment will be SAR 4,042
Example 2: For personal finance of SAR 150,000 over 36 months, the APR will be 8.26 % and the monthly installment will be SAR 4,698
Example 3: For personal finance of SAR 100,000 over 12 months, the APR will be 8.04% and the monthly installment will be SAR 8,688

Islamic Balance Transfer Personal Financing

Example 1: For personal finance of SAR 200,000 over 60 months, the APR will be 5.32% and the monthly installment will be SAR 3,791
Example 2: For personal finance of SAR 150,000 over 36 months, the APR will be 4.86% and the monthly installment will be SAR 4,479
Example 3: For personal finance of SAR 100,000 over 12 months, the APR will be 4.21% and the monthly installment will be SAR 8,521

Credit Cards Example

Rahhala Platinum, Rahhala Infinite, Platinum, Platinum Plus, Mazeed, Infinite Credit Cards:

Example 1 (Month 1): Assuming that the Cardholder is assigned the statement billing date as 7th day of every month and he does the following transactions in the billing period 7th March and 7th April.

Retail purchases worth 10,000 on March 10th
Cash withdrawal of 6,000 on 1st April

It is assumed that no previous balance is carried forward from the March 7th statement, the Cardholder will receive his April 7th statement detailing total transactions of 16,075 (principal balance + cash advance fee of 75 for every cash withdrawal).

The Cardholder needs to make a payment towards the outstanding within 23 days from the statement date (due date: April 30th). The payment can range between 5% and 100% of the outstanding amount.

Total interest charges for cash advance billed in the statement of April 7th will be 6,075 x 35.88% x 7 days / 360 days* = 42.38

* Interest on cash advance transactions is calculated on a daily basis since date of transaction until cash advance transaction amount is fully settled.

Example 2 (Month 2): In the following month starting April 7th, Cardholder will have the carry forward balance of 16,117.3. In case a partial payment of 3,000 is received on April 29th, interest charges for the May 7th statement will be calculated as per the following:

Retail transaction since date of transaction (Mar 10th) until date of payment (April 29th): 10,000 x 35.88% x 50 days / 360 days** = 498.3
Retail transaction since date of payment (April 29th) until statement issuance date (May 7th): 10,000 x 35.88% x 9 days / 360 days** = 89.7
Cash balance since last statement issuance date (April 7th) until date of payment (April 29th): 6,117.3 x 35.88% x 21 days / 360 days = 128.04
Cash balance since date of payment (April 29th) until statement issuance date (May 7th): 3,117.3 x 35.88% x 9 days / 360 days = 27.96

Total interest charges billed in the statement of May 7th will be 744.03

**Interest on retail transactions is calculated on a daily basis since date of transaction, if the outstanding balance is not fully settled by the payment due date.

Example 3 (Month 3): Starting May 7th, Cardholder will have the carry forward balance of 13,861.42. In case the customer does following transactions during this month:

Partial payment of 3,500 on May 10th
Retail transaction of 3,000 on May 16th
Cash withdrawal transaction of 600 on May 18th

Interest charges will be calculated as per the following:

Retail balance since last statement issuance date (May 7th) until date of payment (May 10th): 10,588.03 x 35.88% x 2 days / 360 days = 21.11
Retail balance since date of payment (May 10th) until statement issuance date (June 7th): 10,000 x 35.88% x 29 days / 360 days = 289.03
Cash balance since last statement issuance date (May 7th) until date of payment (May 10th): 3,273.38 x 35.88% x 2 days / 360 days = 6.52
Cash balance since date of payment (May 10th) until statement issuance date (June 7th): 361.42 x 35.88% x 29 days / 360 days = 10.45
New cash advance since date of transaction (May 18th) until statement issuance date (June 7th) * : 675 x 35.88% x 21 days / 360 = 14.13

Total interest charges billed in the 7th of June statement will be 341.24

Examples are Excusive of Value Added Tax 15%

Example of Foreign Currency Transaction Fee calculation

Foreign transaction amount of Currency A: 1,000

Assuming a conversions rate from currency A to Saudi Riyal: 3.75
Amount in Saudi Riyal: 1,000 × 3.75 = 3,750
Foreign currency transaction fees: 3,750 × 3.10% = 116.25
VAT on transaction fees: 116.25 × 15% = 17.43
Total transaction payment in Saudi Riyal: 3,750 + 116.25 + 17.43 = 3,883.69
The conversion from foreign currency to Saudi Riyal is done by the respective schemes that are VISA/MasterCard as per their prevailing rates for the day

Foreign ATM cash advance transaction amount of Currency A: 1,000

Assuming a conversions rate from currency A to Saudi Riyal: 3.75
Amount in Saudi Riyal: 1,000 × 3.75 = 3,750
Foreign currency transaction fees: 3,750 × 3.10% = 116.25
VAT on transaction fees: 116.25 × 15% = 17.43
Cash Advance Fee in Saudi Riyals: 75 + VAT 11.25 = 86.25
Total transaction payment in Saudi Riyal: 3,750 + 116.25 + 17.43 + 86.25 = 3,969.94
The conversion from foreign currency to Saudi Riyal is done by the respective schemes that are VISA/MasterCard as per their prevailing rates for the day

Example of Minimum Payment Only

Card	Monthly Interest Rate	APR*	Annual Interest Rate	Monthly Minimum Payment %	Months to Payoff	Balance	Annual Fee
Rahhala Platinum	2.99%	45.08%	35.88%	5%	85	7,000	300
Rahhala Infinite	2.99%	48.07%	35.88%	5%	85	7,000	700
Infinite	2.99%	48.07%	35.88%	5%	85	7,000	700
Platinum Plus	2.99%	42.82%	35.88%	5%	85	7,000	Free
Platinum	2.99%	45.08%	35.88%	5%	85	7,000	300
Mazeed	2.99%	44.32%	35.88%	5%	85	7,000	200

All Charges are subject to Value Added Tax 15%.

*APR Calculated on Credit Limit Amount 30,000 and is inclusive of VAT.

Home Finance Example

APR Example
Property Value	LTV Ratio	Fixed or Floating rate	APR	Loan Tenor	Payment type	Monthly Installment	Early settlement fees
1,000,000	90%	Fixed	6.48%	10 Years	Principle and profit amount	10,125	3 months future profit

APR Example
Property Value	LTV Ratio	Fixed or Floating rate	APR	Loan Tenor	Payment type	Monthly Installment	Early settlement fees
1,500,000	90%	Fixed	7.22%	20 Years	Principle and profit amount	10,462	3 months future profit

APR Example
Property Value	LTV Ratio	Fixed or Floating rate	APR	Loan Tenor	Payment type	Monthly Installment	Early settlement fees
2,000,000	90%	Fixed	7.36%	30 Years	Principle and profit amount	12,125	3 months future profit

Auto Lease Financing Example

Salary Transfer Auto Lease Financing

Example 1:For New Auto Finance of SAR 100,000 over 60 months, the APR will be 10.33% and the monthly installment will be SAR 1,715
Example 2:For Certified Pre-Owned Auto Finance of SAR 100,000 over 48 months, the APR will be 12.90% and the monthly installment will be SAR 2,415
Example 3: For 50/50 Program Auto Finance of SAR 100,000 over 24 months, the APR will be 12.66% and the monthly installment will be SAR 1,098

Non Salary Transfer Auto Lease Financing

Example 1:For New Auto Finance of SAR 100,000 over 60 months, the APR will be 11.65% and the monthly installment will be SAR 1,768
Example 2:For Certified Pre-Owned Auto Finance of SAR 100,000 over 48 months, the APR will be 14.19% and the monthly installment will be SAR 2,478
Example 3: For 50/50 Program Auto Finance of SAR 100,000 over 24 months, the APR will be 12.66% and the monthly installment will be SAR 1,098

Self-Employed Auto Lease Financing

Example 1:For New Auto Finance of SAR 100,000 over 60 months, the APR will be 12.57% and the monthly installment will be SAR 1,797
Example 2:For Certified Pre-Owned Auto Finance of SAR 100,000 over 48 months, the APR will be 15.45% and the monthly installment will be SAR 2,540
Example 3: For 50/50 Program Auto Finance of SAR 100,000 over 24 months, the APR will be 12.66% and the monthly installment will be SAR 1,098

Personal Finance Example

Islamic Salary Transfer Financing

Example 1: For personal finance of SAR 200,000 over 60 months, the APR will be 5.32% and the monthly installment will be SAR 3,791
Example 2: For personal finance of SAR 150,000 over 36 months, the APR will be 4.86% and the monthly installment will be SAR 4,479
Example 3: For personal finance of SAR 100,000 over 12 months, the APR will be 4.21% and the monthly installment will be SAR 8,521

Islamic Non – Salary Islamic Financing

Example 1: For personal finance of SAR 200,000 over 60 months, the APR will be 8.15% and the monthly installment will be SAR 4,042
Example 2: For personal finance of SAR 150,000 over 36 months, the APR will be 8.26 % and the monthly installment will be SAR 4,698
Example 3: For personal finance of SAR 100,000 over 12 months, the APR will be 8.04% and the monthly installment will be SAR 8,688

Islamic Balance Transfer Personal Financing

Example 1: For personal finance of SAR 200,000 over 60 months, the APR will be 5.32% and the monthly installment will be SAR 3,791
Example 2: For personal finance of SAR 150,000 over 36 months, the APR will be 4.86% and the monthly installment will be SAR 4,479
Example 3: For personal finance of SAR 100,000 over 12 months, the APR will be 4.21% and the monthly installment will be SAR 8,521

Credit Cards Example

Rahhala Platinum, Rahhala Infinite, Platinum, Platinum Plus, Mazeed, Infinite Credit Cards:

Example 1 (Month 1): Assuming that the Cardholder is assigned the statement billing date as 7th day of every month and he does the following transactions in the billing period 7th March and 7th April.

Retail purchases worth 10,000 on March 10th
Cash withdrawal of 6,000 on 1st April

It is assumed that no previous balance is carried forward from the March 7th statement, the Cardholder will receive his April 7th statement detailing total transactions of 16,075 (principal balance + cash advance fee of 75 for every cash withdrawal).

The Cardholder needs to make a payment towards the outstanding within 23 days from the statement date (due date: April 30th). The payment can range between 5% and 100% of the outstanding amount.

Total interest charges for cash advance billed in the statement of April 7th will be 6,075 x 35.88% x 7 days / 360 days* = 42.38

* Interest on cash advance transactions is calculated on a daily basis since date of transaction until cash advance transaction amount is fully settled.

Example 2 (Month 2): In the following month starting April 7th, Cardholder will have the carry forward balance of 16,117.3. In case a partial payment of 3,000 is received on April 29th, interest charges for the May 7th statement will be calculated as per the following:

Retail transaction since date of transaction (Mar 10th) until date of payment (April 29th): 10,000 x 35.88% x 50 days / 360 days** = 498.3
Retail transaction since date of payment (April 29th) until statement issuance date (May 7th): 10,000 x 35.88% x 9 days / 360 days** = 89.7
Cash balance since last statement issuance date (April 7th) until date of payment (April 29th): 6,117.3 x 35.88% x 21 days / 360 days = 128.04
Cash balance since date of payment (April 29th) until statement issuance date (May 7th): 3,117.3 x 35.88% x 9 days / 360 days = 27.96

Total interest charges billed in the statement of May 7th will be 744.03

**Interest on retail transactions is calculated on a daily basis since date of transaction, if the outstanding balance is not fully settled by the payment due date.

Example 3 (Month 3): Starting May 7th, Cardholder will have the carry forward balance of 13,861.42. In case the customer does following transactions during this month:

Partial payment of 3,500 on May 10th
Retail transaction of 3,000 on May 16th
Cash withdrawal transaction of 600 on May 18th

Interest charges will be calculated as per the following:

Retail balance since last statement issuance date (May 7th) until date of payment (May 10th): 10,588.03 x 35.88% x 2 days / 360 days = 21.11
Retail balance since date of payment (May 10th) until statement issuance date (June 7th): 10,000 x 35.88% x 29 days / 360 days = 289.03
Cash balance since last statement issuance date (May 7th) until date of payment (May 10th): 3,273.38 x 35.88% x 2 days / 360 days = 6.52
Cash balance since date of payment (May 10th) until statement issuance date (June 7th): 361.42 x 35.88% x 29 days / 360 days = 10.45
New cash advance since date of transaction (May 18th) until statement issuance date (June 7th) * : 675 x 35.88% x 21 days / 360 = 14.13

Total interest charges billed in the 7th of June statement will be 341.24

Examples are Excusive of Value Added Tax 15%

Example of Foreign Currency Transaction Fee calculation

Foreign transaction amount of Currency A: 1,000

Assuming a conversions rate from currency A to Saudi Riyal: 3.75
Amount in Saudi Riyal: 1,000 × 3.75 = 3,750
Foreign currency transaction fees: 3,750 × 3.10% = 116.25
VAT on transaction fees: 116.25 × 15% = 17.43
Total transaction payment in Saudi Riyal: 3,750 + 116.25 + 17.43 = 3,883.69
The conversion from foreign currency to Saudi Riyal is done by the respective schemes that are VISA/MasterCard as per their prevailing rates for the day

Foreign ATM cash advance transaction amount of Currency A: 1,000

Assuming a conversions rate from currency A to Saudi Riyal: 3.75
Amount in Saudi Riyal: 1,000 × 3.75 = 3,750
Foreign currency transaction fees: 3,750 × 3.10% = 116.25
VAT on transaction fees: 116.25 × 15% = 17.43
Cash Advance Fee in Saudi Riyals: 75 + VAT 11.25 = 86.25
Total transaction payment in Saudi Riyal: 3,750 + 116.25 + 17.43 + 86.25 = 3,969.94
The conversion from foreign currency to Saudi Riyal is done by the respective schemes that are VISA/MasterCard as per their prevailing rates for the day

Example of Minimum Payment Only

Card	Monthly Interest Rate	APR*	Annual Interest Rate	Monthly Minimum Payment %	Months to Payoff	Balance	Annual Fee
Rahhala Platinum	2.99%	45.08%	35.88%	5%	85	7,000	300
Rahhala Infinite	2.99%	48.07%	35.88%	5%	85	7,000	700
Infinite	2.99%	48.07%	35.88%	5%	85	7,000	700
Platinum Plus	2.99%	42.82%	35.88%	5%	85	7,000	Free
Platinum	2.99%	45.08%	35.88%	5%	85	7,000	300
Mazeed	2.99%	44.32%	35.88%	5%	85	7,000	200

All Charges are subject to Value Added Tax 15%.

*APR Calculated on Credit Limit Amount 30,000 and is inclusive of VAT.

Home Finance Example

APR Example
Property Value	LTV Ratio	Fixed or Floating rate	APR	Loan Tenor	Payment type	Monthly Installment	Early settlement fees
1,000,000	90%	Fixed	6.48%	10 Years	Principle and profit amount	10,125	3 months future profit

APR Example
Property Value	LTV Ratio	Fixed or Floating rate	APR	Loan Tenor	Payment type	Monthly Installment	Early settlement fees
1,500,000	90%	Fixed	7.22%	20 Years	Principle and profit amount	10,462	3 months future profit

APR Example
Property Value	LTV Ratio	Fixed or Floating rate	APR	Loan Tenor	Payment type	Monthly Installment	Early settlement fees
2,000,000	90%	Fixed	7.36%	30 Years	Principle and profit amount	12,125	3 months future profit

Auto Lease Financing Example

Salary Transfer Auto Lease Financing

Example 1:For New Auto Finance of SAR 100,000 over 60 months, the APR will be 10.33% and the monthly installment will be SAR 1,715
Example 2:For Certified Pre-Owned Auto Finance of SAR 100,000 over 48 months, the APR will be 12.90% and the monthly installment will be SAR 2,415
Example 3: For 50/50 Program Auto Finance of SAR 100,000 over 24 months, the APR will be 12.66% and the monthly installment will be SAR 1,098

Non Salary Transfer Auto Lease Financing

Example 1:For New Auto Finance of SAR 100,000 over 60 months, the APR will be 11.65% and the monthly installment will be SAR 1,768
Example 2:For Certified Pre-Owned Auto Finance of SAR 100,000 over 48 months, the APR will be 14.19% and the monthly installment will be SAR 2,478
Example 3: For 50/50 Program Auto Finance of SAR 100,000 over 24 months, the APR will be 12.66% and the monthly installment will be SAR 1,098

Self-Employed Auto Lease Financing

Example 1:For New Auto Finance of SAR 100,000 over 60 months, the APR will be 12.57% and the monthly installment will be SAR 1,797
Example 2:For Certified Pre-Owned Auto Finance of SAR 100,000 over 48 months, the APR will be 15.45% and the monthly installment will be SAR 2,540
Example 3: For 50/50 Program Auto Finance of SAR 100,000 over 24 months, the APR will be 12.66% and the monthly installment will be SAR 1,098

Fees & Charges

Example of how interest is calculated

Example of how monthly installments are calculated

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