This article shows you how to request the Al Rahji Bank Platinum credit card. You’ll learn about its features and how to apply them.
Both online and in-person steps are explained. By the end, you'll be ready to get started.
Overview of Al Rahji Bank
Al Rahji Bank is well-known for its strong reputation in the Middle East. It offers various financial services, including personal and business banking.
Customers can open savings accounts, get credit cards and loans, and make investments. The bank follows Sharia-compliant principles, ensuring ethical banking for all.
With a strong customer service history, Al Rahji Bank continues to grow. It's a reliable option for all your financial needs.
Al Rahji Bank Platinum Credit Card Overview
This credit card offers exclusive benefits for its users, including rewards, travel perks, and flexible payment options.
Features of the Al Rahji Bank Platinum Credit Card
This card comes with several benefits that enhance your daily spending. Here’s a breakdown of the key features:
- Free additional cards for family members with the same benefits.
- Control and reset the credit limit of additional cards.
- Notifications and verification codes are sent to the additional cardholder.
- Earn 25,000 welcome points after spending SAR 15,000 in the first 90 days.
- Access 25 global airport lounges via Visa Airport Companion and DragonPass.
- Exclusive perks at luxury hotels, including room upgrades and complimentary breakfast with the Kiwi Collection.
- Earn points through the mokafaa program: 2 points for every SAR 1 spent domestically, 5 points internationally.
- Redeem points with over 100 merchants or convert them to flyer miles through the Al Rajhi app.
- Tasaheal program: Convert purchases into equal installments with 0% fees.
- Pay as low as 5% of your monthly statement.
- Enjoy instant discounts on travel, dining, and wellness.
- An extended warranty is available for purchases made using the card.
Eligibility for Al Rahji Bank Platinum Credit Card
To apply, you need an Al Rahji Bank account. You must also provide a copy of your valid ID and a salary certificate.
Fill out and submit the application form online or at the bank. Students can apply with a Saudi national ID, a transcript, and a bank account.
Eligible universities include King Saud University, Al Jouf University, and others. Please read and approve the terms and conditions before applying.
How to Request the Al Rahji Bank Platinum Credit Card?
Requesting the Platinum Credit Card is straightforward. You can apply either online or by visiting a branch in person.
Step-By-Step Process
To apply for the card, follow these simple steps. This will ensure that you complete the process quickly and without issues.
Visit the Official Website or the Nearest Branch
You can access credit card services by visiting the bank’s website or heading to a nearby branch.
Make sure to have all your documents ready before you go. This will save you time.
Navigate to the Credit Card Section
The credit card section is on the website or at the branch. It’s usually listed under personal banking.
Look for details about different card options. For more information, choose the Platinum Credit Card.
Select the Platinum Credit Card
After navigating to the credit card section, select the Platinum option. This will take you to the application page.
Review the card’s benefits and conditions carefully, and then decide whether to proceed with the application.
Fill in the Application Form
Complete the application form carefully, whether online or in person. Enter your details, such as ID, income, and other personal information.
Double-check your entries to avoid mistakes. This step is crucial for approval.
Submit the Required Documents
You must provide proof of ID, an income statement, and other necessary documents. Make sure all documents are current and valid.
Upload them online or hand them over at the branch. This step finalizes your application.
Tips for Ensuring a Smooth Application Process
To avoid delays or issues, follow these tips during your application:
- Ensure all documents are up to date and valid.
- Double-check your information before submitting the form.
- Choose the application method that suits your needs (online or in-person).
- Prepare to meet any eligibility requirements beforehand.
Interest Rates and Fees
Understanding the fees and interest rates is essential when applying for this credit card. Here's a breakdown of the most important details.
Detailed Information on Interest Rates
The card's monthly profit rate is 2.2%, which applies to domestic and international transactions.
Your monthly minimum payment must be at least 5% or SAR 100 of your balance, whichever is higher. Be mindful of any outstanding balance, as interest applies to unpaid amounts.
An additional 2.75% fee will be charged for international transactions. It’s best to plan payments to avoid high-interest costs.
Other Fees and Charges
Here’s a quick breakdown of the standard fees:
- Annual card fee: SAR 490, currently free until 31 December 2024.
- Supplementary cards: The first two cards are free, SAR 50 for each additional card.
- Replacement card: SAR 50 if you need a new card.
- Cash withdrawal fee: SAR 75 for cash advances or electronic payment transfers.
- Wrong dispute fee: SAR 50 if a dispute is made incorrectly.
- Voucher copy request: SAR 150 if you need a copy of the purchase voucher.
Contact Information
Customer service is available if you have questions or need assistance with your application. Call 8001241222 for help.
Alternatively, visit their website to locate a branch near you. This ensures you get the support you need for your credit card request.
The Bottom Line on Requesting the Al Rahji Bank Platinum Credit Card
Applying for the Al Rahji Bank Platinum credit card is straightforward. Whether you apply online or in person, ensure all required documents are ready.
Be aware of the interest rates and fees to manage your card responsibly. The process is easy if you follow the steps and guidelines. Getting the card opens up valuable benefits and rewards.
Disclaimer: All fees, interest rates, and terms are subject to change. Always verify the latest information directly with the bank before applying.
