The Alinma Bank Visa Platinum Card is a great choice for individuals in Saudi Arabia who seek exclusive rewards and global acceptance.
It’s ideal for those looking for convenient application options, both online and in-person.
This guide will walk you through the quick and easy steps to get your card.
Eligibility Requirements
Requesting the Alinma Bank Visa Platinum Card requires specific eligibility criteria. Below are the essential requirements you'll need to qualify for the card:
- Must be a resident of Saudi Arabia
- Minimum age of 18 years
- Valid Saudi national ID or Iqama (residency permit for non-nationals)
- Minimum monthly income as specified by the bank (typically SAR 5,000 or more)
- An existing account with Alinma Bank or willingness to open one
- Good credit history with no significant defaults or outstanding debts
Documents Needed
You must prepare several essential documents to apply for the card successfully. Below is a list of what you'll need:
- Valid Saudi national ID or Iqama (for non-nationals)
- Proof of income (salary certificate or payslip)
- Recent utility bill or proof of residency
- Bank account details with Alinma Bank
- Credit report, if required by the bank
Steps to Apply
Applying for the Alinma Bank Visa Platinum Card is simple. You can complete the application online or in person.
Follow these steps to submit your application:
- Visit the Alinma Bank website or go to your nearest branch.
- Navigate to the credit cards section on the website or request the necessary forms in-branch.
- Complete the application form with your personal, financial, and contact details.
- Upload or submit the required documents, including ID and proof of income.
- Review and confirm your application before submitting it.
- Wait for approval, which usually takes a few business days.
- Once approved, you'll be notified by the bank to receive your card.
Approval Process
After submitting your application, the approval process begins.
Below are the key steps involved in getting your application approved:
- Document Verification – The bank reviews your submitted documents to verify your identity and income.
- Credit Check – A credit history check assesses your financial stability.
- Application Review – The bank evaluates your eligibility based on income, residency, and credit status.
- Approval Decision – If approved, you will receive a notification via email, SMS, or a phone call within a few business days.
- Card Dispatch – Once approved, your card is processed and sent to your mailing address.
- Rejection or Clarification—If additional information is required or your application is rejected, you will be informed and given instructions for the next steps.
Receiving and Activating the Card
Once your application is approved, you must receive and activate it before use. Follow these steps to complete the process:
Receiving the Card
- The card will be delivered to your registered address within 5-7 business days.
- Ensure that someone can receive the card, as it may require a signature.
- You can visit the bank to collect the card in person.
Activating the Card
- Call the Alinma Bank customer service or use the bank's mobile app upon receiving the card.
- Follow the instructions provided to activate the card securely.
- You may also activate it through an ATM by following the on-screen prompts.
Setting Your PIN
- After activation, set up your card's personal identification number (PIN).
- This can be done via mobile app, online banking, or at an ATM.
- Make sure to choose a PIN that's secure and easy to remember.
Interest Rates and Fees
Understanding the interest rates and fees associated with the Alinma Bank Visa Platinum Card is essential for managing your finances.
Below are the key rates and charges you should be aware of:
- Annual Fee: Typically SAR 500, but may vary based on promotional offers or account status.
- Purchase Interest Rate: Around 2.75% per month on outstanding balances.
- Cash Advance Fee: 3% of the amount, with a minimum of SAR 75.
- Late Payment Fee: SAR 100 for payments not made by the due date.
- Foreign Transaction Fee: 2.75% for international purchases.
Rewards and Benefits
The Alinma Bank Visa Platinum Card offers various rewards and benefits that enhance everyday spending.
Below are some of the key advantages you can enjoy:
- Cashback Offers: Earn cashback on select categories, such as groceries, fuel, and dining.
- Loyalty Program: Accumulate points on every purchase, redeemable for travel, shopping, or exclusive deals.
- Travel Benefits: Access airport lounges and enjoy travel insurance for international trips.
- Purchase Protection: Get protection against theft or damage for items purchased with the card.
- Extended Warranty: Enjoy an extended warranty on eligible items bought with the card.
- Concierge Service: 24/7 concierge service to assist with travel planning, reservations, and other personal services.
Credit Limits and How to Increase Them
The Alinma Bank Visa Platinum Card has a credit limit based on your income and financial history.
If you need a higher limit, follow these steps to request an increase:
Initial Credit Limit Assignment
- Your credit limit is determined during the approval process.
- It is based on your income, credit score, and financial standing.
How to Request a Credit Limit Increase
- Ensure your card has been used responsibly for at least six months.
- Contact Alinma Bank via customer service at 800-120-8000 or visit a local branch.
- Submit recent proof of income, such as a salary certificate or updated financial documents.
- Request a credit review for the possibility of increasing your limit.
Factors That Affect the Approval
- Consistent on-time payments and maintaining a good credit score improve your chances.
- Higher-income or reduced debt levels may also result in a higher limit.
- Alinma Bank will review your financial history before making a decision.
How Long It Takes
- Typically, the review process takes a few business days.
- You will be notified of the outcome via SMS or email.
Customer Support
If you need assistance with your Alinma Bank Visa Platinum Card, customer support is available to help.
Below are the contact details for reaching their support team:
- Customer Support Hotline: 800-120-8000 (available 24/7)
- International Support: +966-11-218-5999
- Head Office Address: Al-Anoud Tower, King Fahad Road, Riyadh, Saudi Arabia.
- Email Support: [email protected]
Wrapping It Up
The Alinma Bank Visa Platinum Card offers numerous benefits, from rewards to global acceptance, making it a valuable financial tool.
Applying is simple and can be done online or at any branch.
Start your application today and enjoy the premium perks that come with this card.
Disclaimer
The information provided about the Alinma Bank Visa Platinum Card is for general guidance only and may be subject to change.
Please refer to Alinma Bank's official website or contact their customer service for the most up-to-date details.
