Al Rajhi Selective Ladies Credit Card Review (2026): Benefits, Fees & Is It Worth It?
Quick Summary
- Best for whom? → Women seeking a Shariah-compliant premium card that rewards international spending and travel.
- Welcome bonus? → Up to 75,000 Mukaafa points after spending SAR 25,000 within the first 90 days.
- Earning rate? → 3 points per SAR 1 locally and 5 points per SAR 1 internationally.
- Key premium benefit? → Access to more than 1,200 airport lounges worldwide through the Visa Airport Companion app.
- Current annual fee? → Waived during the promotional period.
- Shariah structure? → Based on a Murabaha financing model.
- Biggest value driver? → Strong international rewards combined with travel insurance and premium lifestyle offers.
- Is it worth it? → Yes, especially for frequent travelers who pay their balance in full every month.
What Is the Al Rajhi Selective Ladies Credit Card?
Premium credit cards are no longer just payment tools. For many customers, they have become part of their lifestyle, offering rewards, travel privileges, and additional protection beyond ordinary spending.
The Al Rajhi Selective Ladies Credit Card was designed to provide a premium experience while maintaining full Shariah compliance. Featuring an elegant metal design, strong rewards, and travel-related benefits, the card targets women who want to combine everyday spending with lifestyle advantages.
In this review, we’ll examine the card’s rewards, fees, travel perks, and drawbacks to determine whether it delivers real value in 2026.
Shariah Structure: The Murabaha Financing Model
One of the biggest concerns for many customers is whether a credit card complies with Islamic principles.
The Al Rajhi Selective Ladies Credit Card operates under a Murabaha financing structure. Instead of conventional interest-based lending, the bank applies a disclosed profit structure that follows approved Shariah standards.
Cardholders receive an approved credit limit that can be used for:
- Everyday purchases
- Online transactions
- International spending
- Cash withdrawals when necessary
The card’s structure aims to provide transparency while allowing customers to access financing in a Shariah-compliant manner.
Mukaafa Rewards Program
Rewards are one of the strongest selling points of this card. The earning structure particularly favors international spending, making it attractive for frequent travelers and overseas shoppers.
Welcome Bonus: 75,000 Points
New cardholders may receive up to 75,000 Mukaafa points after spending SAR 25,000 during the first 90 days following card issuance.
Because promotional campaigns may change, eligibility requirements and terms should always be verified before applying.
Daily Earning Rates
The ongoing rewards system offers different earning rates depending on where purchases are made.
| Spending Category | Earning Rate | Practical Value |
|---|---|---|
| International purchases | 5 Mukaafa points per SAR 1 | Excellent for overseas spending and global shopping |
| Local purchases | 3 Mukaafa points per SAR 1 | Solid rewards for everyday expenses |
Points can later be redeemed through the Mukaafa rewards program for shopping vouchers, offers, and various services.
Cardholders can also manage transactions and monitor rewards through the Al Rajhi Bank app.
Travel Benefits
For travelers, this card delivers some of its strongest advantages through airport access and insurance coverage.
Airport Lounge Access
Cardholders receive access to more than 1,200 airport lounges worldwide through the Visa Airport Companion app.
This benefit can make long layovers more comfortable by providing access to lounges offering seating areas, refreshments, and business facilities.
Guest access and eligibility conditions vary depending on the participating lounge and Visa program rules.
Comprehensive Travel Insurance
When travel expenses are paid using the card, cardholders may receive travel insurance coverage for trips lasting up to 90 days.
Coverage may include:
- Personal accident protection
- Emergency medical expenses
- Medical evacuation
- Repatriation assistance
- Daily hospital cash allowance
- Trip cancellation and interruption coverage
- Lost or delayed baggage compensation
For frequent travelers, these protections add meaningful value and peace of mind.
Lifestyle Offers and Discounts
Beyond rewards and travel perks, the Al Rajhi Selective Ladies Credit Card provides access to a variety of lifestyle offers designed to complement everyday spending. These promotions are periodically updated and are subject to availability through participating partners.
Wellness and Everyday Spending
Cardholders may benefit from offers related to:
- Fitness memberships
- Health checkups
- Nutritional programs
- Restaurants
- Flower and gift purchases
- Home furnishing
While these discounts are not the primary reason to choose the card, they can provide additional value for customers who regularly use participating merchants.
Hotel Benefits
Travel-related savings extend beyond rewards points.
Cardholders may receive:
- Up to 20% off at Jumeirah Hotels & Resorts
- Up to 15% off at IHG Hotels
- Up to 12% off via Agoda
Additional privileges such as complimentary breakfast and room upgrades may also be available, depending on participating properties and availability.
Car Rental Discounts
Frequent travelers can access discounts through several international rental brands, including:
- Up to 35% off with Avis
- Up to 15% off with SIXT
- Up to 10% off with Budget
- Additional savings through Rentalcars
These benefits can help reduce transportation costs during international trips.
Dining and Entertainment Offers
The Visa network provides a range of dining and entertainment promotions, including:
- Discounts at participating restaurants
- Airport-related service offers
- Up to 50% off selected e-tickets
- “2-for-1” deals through participating applications
Since participating merchants change periodically, available promotions should always be verified before making purchases.
Additional Features
Several extra features enhance convenience, security, and spending flexibility.
24/7 Concierge Service
Cardholders have access to a round-the-clock concierge service that can assist with:
- Flight bookings
- Hotel reservations
- Restaurant reservations
- Travel arrangements
Although not essential for every user, the service can be valuable for frequent travelers.
Purchase Protection and Extended Warranty
Eligible purchases made using the card may receive additional protection against:
- Theft
- Accidental damage
- Loss
Certain products may also qualify for an extended warranty period beyond the manufacturer’s original coverage.
0% Tasaheel Installment Program
Large purchases can be converted into equal monthly installments through the 0% Tasaheel program at participating merchants.
For customers who prefer spreading expenses over several months, this feature provides additional payment flexibility without extra profit charges under qualifying conditions.
Security Features and Digital Wallet Support
The card includes several security measures designed to protect transactions.
These include:
- 3D Secure protection
- One-Time Password (OTP) verification
- Fraud prevention mechanisms
The card is also compatible with major digital wallets, allowing convenient mobile payments.
Pros and Cons
No credit card is perfect. The value of this card depends largely on spending habits and travel frequency.
Pros
✅ Elegant metal card design.
✅ Opportunity to earn up to 75,000 Mukaafa points.
✅ High international earning rate of 5 points per SAR 1.
✅ Access to more than 1,200 airport lounges worldwide.
✅ Comprehensive travel insurance coverage.
✅ Shariah-compliant Murabaha structure.
✅ Flexible 0% Tasaheel installment option.
✅ Strong lifestyle and travel-related offers.
Cons
❌ Monthly profit rate of 2.5% can become expensive when balances are carried.
❌ International purchases in foreign currencies are subject to a 2% fee.
❌ Cash withdrawals incur a 3% charge.
❌ Most premium benefits provide maximum value only to frequent travelers.
❌ High-spending requirements are necessary to unlock the welcome bonus.
Fees and Costs
Understanding the costs behind a premium card is just as important as evaluating its rewards. While many benefits can provide excellent value, carrying a balance or relying on cash withdrawals may significantly increase overall costs.
Annual Fee
At the time of writing, the annual fee is waived during the current promotional period. Future fees may vary depending on Al Rajhi Bank’s promotions and policies.
Monthly Profit Rate
The card applies a fixed monthly profit rate of 2.5%.
Although the Murabaha structure complies with Shariah principles, carrying balances over long periods can become expensive. As a result, the card is best suited to customers who pay their outstanding balance in full every month.
International Transaction Fee
Purchases made in currencies other than the Saudi Riyal are subject to a 2% international transaction fee.
While the card’s high international earning rate helps offset this charge, frequent overseas spending should still take this additional cost into account.
Cash Withdrawal Fee
Cash advances are charged at 3% of the withdrawn amount, with a maximum fee cap of SAR 75 for larger transactions.
Because of these costs, using the card for cash withdrawals is generally less attractive than using it primarily for purchases.
Other Charges
Additional fees include:
- Card re-issuance fee: SAR 15.
- Minimum monthly payment: 5% of the outstanding balance or SAR 100, whichever is higher.
- APR: Variable and dependent on the customer’s credit assessment.
Since fees and terms may change over time, applicants should always verify the latest schedule with Al Rajhi Bank before applying.
Application Requirements
Applicants generally need:
- An active current account with Al Rajhi Bank.
- A valid National ID or Iqama.
- Proof of income or salary verification.
- Completion of the application form and agreement to the bank’s terms and conditions.
Approval ultimately depends on the bank’s credit assessment and eligibility criteria.
Quick Decision Guide: Is the Selective Card Right for You?
Not every premium card fits every customer. The real value depends on how the card is used.
Strong Match
This card makes the most sense if you:
- Travel frequently.
- Spend internationally.
- Pay your balance in full every month.
- Value airport lounge access and travel insurance.
- Prefer a Shariah-compliant financing structure.
For these customers, the card’s rewards and premium benefits can easily outweigh the associated costs.
Match
You may still find value if:
- Most of your spending is local.
- You appreciate lifestyle discounts.
- You occasionally travel.
- You want a premium card with additional protections and conveniences.
No Match
The card may not be ideal if:
- You frequently carry balances.
- You rely on cash withdrawals.
- You rarely travel.
- You are mainly seeking low-cost financing rather than rewards and benefits.
In these situations, a simpler or lower-cost card may provide better overall value.
Final Verdict: Is the Al Rajhi Selective Ladies Card Worth It?
For customers who travel regularly and spend internationally, the Al Rajhi Selective Ladies Credit Card offers a compelling combination of rewards, airport lounge access, travel insurance, and lifestyle benefits.
Its premium features are particularly attractive during periods when the annual fee is waived, making the overall value proposition even stronger.
However, the card is not equally attractive for everyone. The 2.5% monthly profit rate and cash withdrawal fees mean that carrying balances or using the card for financing can quickly reduce its advantages.
Overall, this card is best viewed as a premium spending and travel card rather than a long-term financing tool. Customers who pay their balance in full each month are likely to extract the greatest value from its rewards and benefits.
Frequently Asked Questions (FAQ)
Is the 75,000-point welcome bonus guaranteed?
No. The welcome bonus is conditional and requires spending SAR 25,000 within the first 90 days. Eligibility depends on the terms of the promotional campaign available at the time of application.
Is airport lounge access free for guests?
Not necessarily. Guest access policies vary by lounge and are subject to the terms and conditions of the Visa Airport Companion program.
How does the Murabaha structure work?
The card is based on a Murabaha financing model. Instead of conventional interest, costs are determined through a disclosed profit structure that complies with approved Shariah standards.
Is this card suitable for someone who rarely travels?
Possibly, but its strongest advantages are geared toward travelers. Customers who rarely travel may still benefit from local rewards and lifestyle offers, but they are less likely to maximize the card’s premium features.
Information is accurate as of early 2026. Fees, profit rates, rewards, insurance coverage, and benefits are subject to change by Al Rajhi Bank and Visa International. This article is intended for informational purposes only and should not be considered financial advice. Applicants should verify the latest terms and conditions directly with the bank before applying.
