Prices of financing and savings products

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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 : 2^nd November 2025

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.

Emirates NBD Credit Cards	Rahhala Platinum	Rahhala Infinite	Jarir Platinum	Jarir Infinite	Platinum	Platinum Plus	Mazeed Cashback	Infinite
Membership Fees
Annual Fee	SAR 300	SAR 700	SAR 300	SAR 600	SAR 300	Free	SAR 200	SAR 700
Supplementary Cards (Up to 5 Cards)	Free	Free	Free	Free	Free	Free	Free	Free
Other Fees and Charges
Annual Percentage Rate (APR)*	48.65%	51.66%	48.65%	50.91%	45.08%	48.65%	47.90%	48.07%
Interest Rate (Retail Purchases) Interest Rate (Cash Advance)	3.20%	3.20%	3.20%	3.20%	3.20%	3.20%	3.20%	3.20%
Cash withdrawal fees (ATM withdrawal, current account transfer)	3% of the withdrawal amount with a maximum of 75 Saudi Riyals
Cash advance fee (electronic wallet charging):	Free
Late Payment Fee	SAR 50	SAR 50	SAR 50	SAR 50	SAR 50	SAR 50	SAR 50	SAR 50
Foreign Currency Transaction Fee	2.00%	2.00%	2.00%	2.00%	2.00%	2.00%	2.00%	2.00%
Card Replacement Fee	SAR 15	SAR 15	SAR 15	SAR 15	SAR 15	SAR 15	SAR 15	SAR 15
Copy of Sales Voucher	SAR 50	SAR 50	SAR 50	SAR 50	SAR 50	SAR 50	SAR 50	SAR 50
Duplicate Statement Fee (per copy)
Up to last 3 months	Free	Free	Free	Free	Free	Free	Free	Free
General
Payment Due Date	25 Days	25 Days	25 Days	25 Days	25 Days	25 Days	25 Days	25 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	Up to 53 Days	Up to 53 Days
Minimum Payment Due	5% of the outstanding limit	5% of the outstanding limit	5% of the outstanding limit	5% of the outstanding limit	5% of the outstanding limit	5% of the outstanding limit	5% of the outstanding limit	5% of the outstanding limit
Cash Advance Limit	30%	30%	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 1,620,000 with tenor of 172 days and an APR of 5.5% would have a profit rate of 42,547.86.
STL for Direct payment to Supplier for 600,000 with tenor of 123 days and an APR of 6.75% would have a profit rate of 13,840.43.
STL for Direct payment to Supplier for 150,000 with tenor of 100 days and an APR of 8.2% would have a profit rate of 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 1,620,000 with tenor of 172 days and an APR of 5.5% would have a profit rate of 42,547.86.
STL for Direct payment to Supplier for 600,000 with tenor of 123 days and an APR of 6.75% would have a profit rate of 13,840.43.
STL for Direct payment to Supplier for 150,000 with tenor of 100 days and an APR of 8.2% would have a profit rate of 3,452.38.

Example of how monthly installments are calculated

Personal Finance Example

Salary Transfer Personal Financing

Example 1: For personal finance of 200,000 over 60 months, the APR will be 5.57% and the monthly installment will be 3,791
Example 2: For personal finance of 150,000 over 36 months, the APR will be 5.27% and the monthly installment will be 4,479
Example 3: For personal finance of 100,000 over 12 months, the APR will be 5.35% and the monthly installment will be 8,521

Non Salary Transfer Personal Financing

Example 1: For personal finance of 200,000 over 60 months, the APR will be 8.41% and the monthly installment will be 4,042
Example 2: For personal finance of 150,000 over 36 months, the APR will be 8.69 % and the monthly installment will be 4,698
Example 3: For personal finance of 100,000 over 12 months, the APR will be 9.25% and the monthly installment will be 8,688

Buy out

Example 1: For personal finance of 200,000 over 60 months, the APR will be 5.57%and the monthly installment will be 3,791
Example 2: For personal finance of 150,000 over 36 months, the APR will be 5.27%and the monthly installment will be 4,479
Example 3: For For personal finance of 100,000 over 12 months, the APR will be 5.35%and the monthly installment will be 8,521

Credit Cards Example

Rahhala Infinite, Rahhala Platinum, Jarir Infinite, Jarir Platinum, 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 25 days from the statement date, The payment can range between 5% of the outstanding amount.

Example 2 (Month 2): In the following month starting April 7th, Cardholder will have the carry forward balance of 16,075. In case a partial payment of 3,000 is received on 1^st May, 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 (1^st May): 10,000 x 38.40% x 53 days / 360 days** = 565.33
Retail transaction since date of payment (1^st May) until statement issuance date (May 7th): 10,000 x 38.40% x 5 days / 360 days** = 53.33
Cash balance since date of payment (1^st May) until statement issuance date (May 7^th): 3,000 x 38.40% x 6 days / 360 days = 19.20

Total interest charges billed in the statement of May 7th will be 637.86

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

Example 3 (Month 3): Starting May 7^th , Cardholder will have the carry forward balance of 13,637.86

In case the customer does following transactions during this month:

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

Interest charges will be calculated as per the following:

Retail balance since last statement issuance date (May 7^th) until date of payment (May 10th): 10,137.86x 38.40% x 3 days / 360 days = 32.44
Retail balance since date of payment (May 10^th) until statement issuance date (June 7th): 10,137.86x 38.40% x 29 days / 360 days = 313.60

Total interest charges billed on the 7^th of June statement will be 346.04

Examples are Excusive of Value Added Tax 15%

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 × 2.00% = 75
VAT on transaction fees: 75 × 15% = 11.25
Total transaction payment in Saudi Riyal: 3,750 + 75 + 11.25 = 3,836.25
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 × 2.00% = 75
VAT on transaction fees: 75 × 15% = 11.25
Cash Advance Fee in Saudi Riyals: 75 + VAT 11.25 = 86.25
Total transaction payment in Saudi Riyal: 3,750 + 86.25 = 3,836.25
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	3.20%	48.65%	38.40%	5%	85	7,000	300
Rahhala Infinite	3.20%	51.66%	38.40%	5%	85	7,000	700
Jarir Platinum	3.20%	48.65%	38.40%	5%	85	7,000	300
Jarir Infinite	3.20%	50.91%	38.40%	5%	85	7,000	600
Infinite	3.20%	51.66%	38.40%	5%	85	7,000	700
Platinum Plus	3.20%	46.38%	38.40%	5%	85	7,000	Free
Platinum	3.20%	48.65%	38.40%	5%	85	7,000	300
Mazeed	3.20%	47.90%	38.40%	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 100,000 over 60 months, the APR will be 9.87% and the monthly installment will be 1,629
Example 2: For Certified Pre-Owned Auto Finance of 100,000 over 48 months, the APR will be 10.35% and the monthly installment will be 1,795
Example 3: For 50/50 Program Auto Finance of 100,000 over 24 months, the APR will be 13.38% and the monthly installment will be 1,032

Non Salary Transfer Auto Lease Financing

Example 1: For New Auto Finance of 100,000 over 60 months, the APR will be 10.26% and the monthly installment will be 1,652
Example 2: For Certified Pre-Owned Auto Finance of 100,000 over 48 months, the APR will be 10.73% and the monthly installment will be 1,817
Example 3: For 50/50 Program Auto Finance of 100,000 over 24 months, the APR will be 13.38% and the monthly installment will be 1,032

Self-Employed Auto Lease Financing

Example 1: New Auto Finance of 100,000 over 60 months, the APR will be 12.24% and the monthly installment will be 1,543
Example 2: For Certified Pre-Owned Auto Finance of 100,000 over 48 months, the APR will be 14.70% and the monthly installment will be 1,833
Example 3: For 50/50 Program Auto Finance of 100,000 over 24 months, the APR will be 13.38% and the monthly installment will be 1,032