✅ The Supplementary Islamic Credit Card has its own credit limit, independent of the amount already used by the primary cardholder
✅ Automatic enrollment in the Hassad rewards program, with points redeemable at Hassad Mall
✅ Exclusive discounts at select shops, restaurants, and hotels across Saudi Arabia
✅ Access to VIP lounges at international airports
✅ The Qasset program, which converts purchases into tailored installment plans
What makes the Supplementary Islamic Credit Card worth considering, according to Utua Network?
The Supplementary Islamic Credit Card is the additional card offered by Riyad Bank so that family members of the primary cardholder can have their own credit card, with a limit independent of the main card. The idea is simple: expand access to credit within the family without affecting the limit already used by the primary cardholder.
For families who already use Riyad Bank’s services, the Supplementary Islamic Credit Card is therefore a practical option for giving financial independence to a spouse, an adult child, or another close relative, without the need to open a new account or apply for a completely separate card.
The fact that the limit is kept separate from the main card also works as an extra layer of control: the primary cardholder knows exactly how much is being used on each card issued in their name. Add to that the appeal of the Islamic credit model, which attracts customers looking for products aligned with religious and ethical finance principles, without giving up benefits such as the rewards program, discounts, and VIP lounge access.
Advantages of the Supplementary Islamic Credit Card in practice
The main appeal of the Supplementary Islamic Credit Card is its own credit limit, independent of the primary cardholder, which allows a family member to use the card without affecting the amount already committed on the account of whoever originally applied for the product.
In addition, the card includes automatic enrollment in the Hassad rewards program, which converts purchases into points redeemable at Hassad Mall, and gives access to exclusive discounts at select shops, restaurants, and hotels within Saudi Arabia. For frequent travelers, access to VIP lounges at international airports is another feature that often weighs into the decision to apply for this additional card.
For everyday use, the card also offers the Qasset program, which lets you turn purchases already made into tailored installment plans, and Credit Shield, a protection for the outstanding balance in case unforeseen events prevent payment of the statement. Purchase security is reinforced by 3D Secure login for online transactions, and by contactless payment, available for purchases of up to SAR 300 without a PIN.
Fees and costs of the Supplementary Islamic Credit Card
Like any credit card, the Supplementary Islamic Credit Card also comes with costs that need to be evaluated. Among the items that typically make up this type of product are the annual fee waiver (often valid for the first year), the foreign transaction fee (charged on international purchases), the monthly profit rate, and the APR (Annual Percentage Rate), which sums up the total cost of credit over a year.
It’s also worth watching out for the late payment penalty (a fee charged for paying the statement after the due date) and the cash advance fee (charged on cash withdrawals made with the card), two charges that can weigh on the family budget when there’s no planning.
Since Riyad Bank doesn’t publicly disclose all the values for these charges on the Supplementary Islamic Credit Card — partly because it depends on which card the primary holder has chosen — it’s advisable to confirm directly with the bank, before applying for the additional card, exactly which percentages and terms apply.
Our team’s opinion
From the perspective of someone who analyzes financial products on a daily basis, the Supplementary Islamic Credit Card has clearly positive points: the separate limit, the travel benefits, and the model free of interest in the traditional sense are real advantages for Saudi families and residents looking for this type of product. Its Sharia-compliant structure also tends to build more trust among those who prioritize this criterion when choosing a card.
On the other hand, it’s important to remember that an additional card represents one more active credit line within the family budget, even though its limit is independent of the primary cardholder. Credit cards, whether Islamic or not, require planning so they don’t become a source of debt, and it’s up to the family to carefully decide whether this is the right time to add one more credit line to the budget.
I want to apply for the product
Anyone interested in the Supplementary Islamic Credit Card can find more information on our next page, where we cover the application requirements and the step-by-step process to quickly apply for an additional card for your family members. Shall we take a look?
Rede Utua is not a financial institution and does not issue credit cards or loans. Our role is to review financial products available in the Saudi market to help you make a more informed and conscious decision. Any application is made directly with the financial institution of your choice.
