CC-036-18 Acknowledgment Letter A3-NEW LOGO With VAT-Back to Back-FINAL-Rev01.pdf
2
3/4/18
1:32 PM
zj˴ ʘ0y2!`^kXEcʙ4/0X
Acknowledgment of Receipt of Bank AlJazira Credit Card
‫ ﺑﻨﻚ اﻟﺠﺰﻳﺮة ﻣﺮﻛﺰ اﻟﺒﻄﺎﻗﺎت‬/‫اﻟﺴﺎدة‬
:‫أﻗﺮ أﻧﺎ اﻟﻤﻮﻗﻊ أدﻧﺎه‬
.‫– أن ﻛﺎﻓﺔ اﻟﻤﻌﻠﻮﻣﺎت اﻟﺨﺎﺻﺔ ﺑﻲ ﻟﺪى ﺑﻨﻚ اﻟﺠﺰﻳﺮة ﺻﺤﻴﺤﺔ‬
‫– ﺗﻢ أﺧﺬ ﻣﻮاﻓﻘﺘﻲ اﻟﻤﺴﺒﻘﺔ ﻫﺎﺗﻔﻴﺎ Œﺻﺪار ﺑﻄﺎﻗﺔ ﺑﻨﻚ اﻟﺠﺰﻳﺮة اﻻﺋﺘﻤﺎﻧﻴﺔ اﻟﺨﺎﺻﺔ ﺑﻲ واﻟﺮﺟﻮع ﻟﺴﺠﻠﻲ ﻋﻦ ﻃﺮﻳﻖ اﻟﺸﺮﻛﺔ اﻟﺴﻌﻮدﻳﺔ ﻟﻠﻤﻌﻠﻮﻣﺎت‬
.(‫اﻻﺋﺘﻤﺎﻧﻴﺔ )ﺳﻤﺔ‬
: ‫ﻣﻠﺨﺺ رﺳﻮم اﻟﺒﻄﺎﻗﺔ‬
‫أﺟﻮاء‬
‫اﻟﺤﺪ اﻻﺋﺘﻤﺎﻧﻲ اﻟﻤﻨﺨﻔﺾ‬
‫ﻃﻤﻮح‬
‫ رﻳﺎل‬100
‫إﻧﻔﻴﻨﻴﺖ‬
‫إﻧﻔﻴﻨﻴﺖ‬
‫ﺳﻴﺠﻨﺘﺸﺮ‬
‫اﻟﺒﻼﺗﻴﻨﻴﺔ‬
‫ رﻳﺎل‬1500
‫ رﻳﺎل‬900
‫ رﻳﺎل‬500
‫ رﻳﺎل‬1000
‫اﻟﺒﻼﺗﻴﻨﻴﺔ‬
‫ رﻳﺎل‬300
‫اﻟﻜﻼﺳﻴﻜﻴﺔ‬
‫ﻣﺎﺳﺘﺮﻛﺎرد‬
‫ﺗﻴﺘﺎﻧﻴﻮم‬
‫ رﻳﺎل‬150
‫ رﻳﺎل‬200
SAR 25 per transaction
‫ رﻳﺎل‬100
‫ رﻳﺎل‬100
‫رﺳﻮم إﻋﺎدة ﺗﻔﻌﻴﻞ‬
*‫اﻟﺒﻄﺎﻗﺔ‬
‫ ﻟﻜﻞ ﻋﻤﻠﻴﺔ‬% 2.75
‫ رﻳﺎل ﻓﻲ ﺣﺎل ﻛﺎن اﻻﻋﺘﺮاض ﻏﻴﺮ ﺻﺤﻴﺢ‬50
‫رﺳﻮم اﻻﻋﺘﺮاض ﻋﻠﻰ‬
*‫اﻟﻌﻤﻠﻴﺎت‬
‫ رﻳﺎل ﻓﻲ اﻟﻌﻤﻠﻴﺔ اﻟﻮاﺣﺪة‬5000 ‫ ﻣﻦ رﺻﻴﺪ اﻟﺒﻄﺎﻗﺔ وﻛﺤﺪ أﻗﺼﻰ‬% 30
‫اﻟﺤﺪ اﻟﻤﺘﺎح ﻟﻠﺴﺤﺐ‬
‫اﻟﻨﻘﺪي‬
‫ رﻳﺎل أﻳﻬﻤﺎ أﻛﺜﺮ‬200 ‫ ﻣﻦ إﺟﻤﺎﻟﻲ اﻟﺮﺻﻴﺪ اﻟﺠﺪﻳﺪ اﻟﻤﺴﺘﺤﻖ أو‬% 5
‫اﻟﺤﺪ ا•دﻧﻰ ﻟﻠﺪﻓﻌﺔ‬
‫اﻟﺸﻬﺮﻳﺔ‬
‫ﻻ ﻳﻮﺟﺪ‬
‫ ﻳﻮم ﻣﻦ ﺗﺎرﻳﺦ ﻛﺸﻒ اﻟﺤﺴﺎب‬20
‫اﻟﻤﺪة اﻟﻤﺤﺘﺴﺒﺔ‬
‫ﻟ˜ﻋﻔﺎء ﻣﻦ اﻟﺮﺳﻮم‬
‫ﻋﻠﻰ اﻟﻤﺸﺘﺮﻳﺎت‬
‫ﻻ ﻳﻮﺟﺪ‬
‫ﻫﺎﻣﺶ اﻟﺮﺑﺢ اﻟﺸﻬﺮي ﻣﺤﺴﻮﺑﺔ ﻋﻠﻰ اﻟﻤﺒﻠﻎ اﻟﻤﺘﺒﻘﻲ ﻏﻴﺮ اﻟﻤﺪﻓﻮع ﻓﻲ ﺗﺎرﻳﺦ اﻻﺳﺘﺤﻘﺎق‬
SAR 1000
SAR 100
Card Replacement Fee*
SAR 100
Free
SAR 100
Free
SAR 100
Card Re-activation Fee*
SAR 100
Free
SAR 100
Free
SAR 100
International
Transaction Fee
(Foreign Exchange)
2.75 % per transaction
Dispute Fee*
SAR 50 per case
Cash Advance Limit
30 % of the available credit limit with a cap of SAR 5000 per transaction
5 % of the outstanding balance or SAR 200 ( whichever is higher )
N/A
Purchasing Waiver
Period
20 days after the account statement date
N/A
‫ﻃﺮﻳﻘﺔ اﺣﺘﺴﺎب ﻫﺎﻣﺶ‬
‫اﻟﺮﺑﺢ‬
Tawarooq Calculation
Tawaroq fees on the outstanding balance
N/A
‫دورﻳﺔ إﺻﺪار ﻛﺸﻒ‬
‫اﻟﺤﺴﺎب‬
‫*ﺗﺨﻀﻊ ﻫﺬه اﻟﺮﺳﻮم ﻟﻀﺮﻳﺒﺔ اﻟﻘﻴﻤﺔ اﻟﻤﻀﺎﻓﺔ‬
Credit Card Statement
‫ﻗﺒﻠﺖ ﺑﺒﻨﻮد وﺷﺮوط اﺗﻔﺎﻗﻴﺔ إﺻﺪار ﺑﻄﺎﻗﺎت اﻻﺋﺘﻤﺎن ﻣﻦ ﺑﻨﻚ اﻟﺠﺰﻳﺮة واﺳﺘﻠﻤﺖ‬
.‫ﻧﺴﺨﺔ ﻣﻦ اﻟﺸﺮوط وا’ﺣﻜﺎم‬
I have accepted the terms and conditions of Bank AlJazira Credit Cards issuance agreement
and I have received a copy from the terms and conditions.
National ID or Iqama Number
Cardholder Signature
Power of Attorney Form
Peace and blessings be upon Muhammad, the last of the prophets and messengers
I hereby assign Dr. Adnan J. AlZahrani Law office to act as my agent to execute the following Sharia compliant Tawarooq steps:
1. Purchase goods/equity shares from Bank AlJazira equal to the amount of outstanding balance in my Bank AlJazira Credit Card Account calculated as per my selected payment instruction on the monthly cutoff date
determined by the bank after adding the mutually agreed profit disclosed in this application.
2. Sell the goods/equity shares purchased on my behalf at the prevailing market rate to a third party and use the proceeds to settle the outstanding balance in my Bank AlJazira Credit Card Account.
The above assignment is final and irrevocable as long as my Credit Card is active and has not expired.
CC-036-18
:(‫اﺳﻢ اﻟﻤﻮﻛّ ﻞ )ﺻﺎﺣﺐ اﻟﺒﻄﺎﻗﺔ‬
Monthly
* ЇϋϙϋόϋϋϙχϘϋϙϛψϐϋωϚϚϕоїΟχϒϛϋΊϊϊϋϊΝχϞ͸ΟΊΝ͹ͨ
‫ﻧﻤـــﻮذج وﻛــﺎﻟـــﺔ‬
CC-036-18
SAR 300
Minimum Monthly
Payment
‫اﻟﺤﻤﺪ  رب اﻟﻌﺎﻟﻤﻴﻦ واﻟﺼﻼة واﻟﺴﻼم ﻋﻠﻰ ﺳﻴﺪﻧﺎ وﻧﺒﻴﻨﺎ ﻣﺤﻤﺪ وﻋﻠﻰ آﻟﻪ وﺻﺤﺒﻪ أﺟﻤﻌﻴﻦ‬
:‫ ﻟﻶﺗﻲ‬¢‫أوﻛﻞ ﻣﻜﺘﺐ اﻟﺪﻛﺘﻮر ﻋﺪﻧﺎن اﻟﺰﻫﺮاﻧﻲ ﻟﻼﺳﺘﺸﺎرات اﻟﻘﺎﻧﻮﻧﻴﺔ ﻟﻴﻜﻮن وﻛﻴﻼ ﺑﺎﻟﻨﻴﺎﺑﺔ ﻋﻨﻲ ﻓﻲ ﺗﻨﻔﻴﺬ ﻋﻤﻠﻴﺎت اﻟﺘﻮرق اﻟﻤﺘﻮاﻓﻘﺔ ﻣﻊ أﺣﻜﺎم اﻟﺸﺮﻳﻌﺔ ا—ﺳﻼﻣﻴﺔ وﻓﻘ‬
‫أﺳﻬﻢ ﻣﻦ ﻣﺤﻔﻈﺔ ﺑﻨﻚ اﻟﺠﺰﻳﺮة ﻣﺴﺎوﻳﺔ ﻟﻠﻤﺒﻠﻎ اﻟﻤﺴﺘﺤﻖ ﻋﻠﻰ ﺑﻄﺎﻗﺘﻲ اﻻﺋﺘﻤﺎﻧﻴﺔ إﺿﺎﻓﺔ إﻟﻰ ﻫﺎﻣﺶ اﻟﺮﺑﺢ اﻟﻤﺘﻔﻖ ﻋﻠﻴﻪ وﻓﻘˆ ﻟﻄﺮﻳﻘﺔ اﻟﺴﺪاد اﻟﻤﻌﺘﻤﺪة ﻣﻦ ﻗﺒﻠﻲ ﻟﺤﺴﺎب اﻟﻤﺪﻓﻮﻋﺎت اﻟﺸﻬﺮﻳﺔ‬/‫ ﺷﺮاء ﺳﻠﻊ‬.١
.‫ﻓﻲ ﺗﺎرﻳﺦ اﻻﺳﺘﺤﻘﺎق اﻟﻤﺤﺪد ﻣﻦ ﻗﺒﻞ اﻟﺒﻨﻚ‬
.‫ واﺳﺘﺨﺪام اﻟﻤﺒﺎﻟﻎ اﻟﻤﺤﺼﻠﺔ ﻟﺴﺪاد اﻟﻤﺴﺘﺤﻘﺎت ﻋﻠﻰ ﺣﺴﺎب ﺑﻄﺎﻗﺘﻲ اﻻﺋﺘﻤﺎﻧﻴﺔ ﻟﺪى ﺑﻨﻚ اﻟﺠﺰﻳﺮة‬،‫ﺳﻬﻢ اﻟﺘﻲ ﺗﻢ ﺷﺮاؤﻫﺎ ﻧﻴﺎﺑﺔ ﻋﻨﻲ وﻓﻘˆ ﻟﻠﺴﻌﺮ اﻟﺴﺎﺋﺪ ﻓﻲ اﻟﺴﻮق ﻟﻄﺮف ﺛﺎﻟﺚ‬±‫ا‬/‫ ﺑﻴﻊ اﻟﺴﻠﻊ‬.٢
.‫ﻟﻐﺎء أواﻟﺘﻌﺪﻳﻞ أو اﻟﻨﻘﺾ ﻃﺎﻟﻤﺎ أن ﺑﻄﺎﻗﺘﻲ اﻻﺋﺘﻤﺎﻧﻴﺔ ﻟﺒﻨﻚ اﻟﺠﺰﻳﺮة ﻧﺸﻄﺔ وﺳﺎرﻳﺔ اﻟﻤﻔﻌﻮل‬°‫ﻳﻌﺘﺒﺮ ﻫﺬا اﻟﺘﻮﻛﻴﻞ ﺗﻮﻛﻴﻞ ﺳﺎري اﻟﻤﻔﻌﻮل وﻏﻴﺮ ﻗﺎﺑﻞ ﻟ‬
:‫اﻟﺘﺎرﻳﺦ‬
SAR 1500
SAR 75 per transaction
‫رﺳﻮم إﺿﺎﻓﻴﺔ‬
‫)ﻟﻠﻌﻤﻠﻴﺎت ﺑﻐﻴﺮ اﻟﺮﻳﺎل‬
(‫اﻟﺴﻌﻮدي‬
:‫اﻟﺘﻮﻗﻴﻊ‬
SAR 900
Cash Withdrawal Fee*
‫رﺳﻮم اﺳﺘﺒﺪال‬
*‫اﻟﺒﻄﺎﻗﺔ‬
.٪٥ ‫( ﺑﻨﺴﺒﺔ‬VAT)
SAR 500
N/A
*‫رﺳﻮم اﻟﺴﺤﺐ اﻟﻨﻘﺪي‬
‫رﻗﻢ ﺑﻄﺎﻗﺔ اﻟﻬﻮﻳﺔ اﻟﻮﻃﻨﻴﺔ أو ا—ﻗﺎﻣﺔ‬
Infinite
Free
‫ رﻳﺎل ﻟﻜﻞ ﻋﻤﻠﻴﺔ‬75
‫ﺗﻮﻗﻴﻊ ﺣﺎﻣﻞ اﻟﺒﻄﺎﻗﺔ‬
Signature
Supplementary Card
Annual Fee
‫ رﻳﺎل ﻟﻜﻞ ﻋﻤﻠﻴﺔ‬25
‫ﺷﻬﺮﻳ‬
Platinum
N/A
‫ﻣﺠﺎﻧ‬
‫ﻻ ﻳﻮﺟﺪ‬
Low Limit
Tomouh
26.40 %
‫ﻻ ﻳﻮﺟﺪ‬
‫ﻣﺠﺎﻧ‬
SAR 150
Ajwaa
Infinite
Annual Tawarooq
Profit Margin
‫رﺳﻮم إﺻﺪار اﻟﺒﻄﺎﻗﺎت‬
‫اﺿﺎﻓﻴﺔ‬
‫ رﻳﺎل‬100
SAR 200
Platinum
N/A
‫إﺟﻤﺎﻟﻲ ﻫﺎﻣﺶ اﻟﺮﺑﺢ‬
‫اﻟﺴﻨﻮي‬
‫ﻣﺠﺎﻧ‬
Classic
2.20 %
% 26.40
‫ رﻳﺎل‬100
MasterCard
Titanium
Monthly Tawarooq
Profit Margin
‫ﻻ ﻳﻮﺟﺪ‬
‫ﻣﺠﺎﻧ‬
Card
Annual Fee*
‫ﻫﺎﻣﺶ اﻟﺮﺑﺢ اﻟﺸﻬﺮي‬
‫ رﻳﺎل‬100
Card Special Prices Directory:
‫رﺳﻮم إﺻﺪار اﻟﺒﻄﺎﻗﺔ‬
*‫اﻟﺴﻨﻮﻳﺔ‬
% 2.20
‫ﻣﺠﺎﻧ‬
I hereby acknowledge that:
•
I confirm that all the information I have provided to Bank AlJazira is true and accurate.
•
I have requested to issue Bank AlJazira Credit Card based on a telephone conversation and I have provided consent to get a
credit card report from SIMAH.
‫ﻧﻮع اﻟﺒﻄﺎﻗﺔ‬
‫ﻻ ﻳﻮﺟﺪ‬
‫ رﻳﺎل‬100
Attention: Bank AlJazira Cards Center
Name of principal (card holder):
Date:
Signature:
CC-036-18 Acknowledgment Letter A3-NEW LOGO With VAT-Back to Back-FINAL-Rev01.pdf
3
3/4/18
1:32 PM
Terms and Conditions of Credit Card Agreement
All praise is due to Allah, and peace and blessings be upon our Prophet Muhammad, his family and companions. Bank AlJazira (The bank) issues
(the card); a credit card (The card) in accordance with the terms and conditions set forth below:
1)
Definitions
1.1
Customer: The customer is the person who submits an application to obtain the card and he is the bearer of the main card. He is also
responsible for all due amounts and consequences on the use and the issuance of the primary card and additional cards.
1.2
Cardholder: Cardholder is the person whose name appears on the card and the term cardholder includes the primary customer; the bearer of
primary card. It also includes the additional cards› bearers.
2)
Issuance of Card
2.1
The use of the card is only restricted to the cardholder and it is subject to these terms and conditions and the card shall remain in force until
the expiration date shown on it.
2.2
Cardholder must maintain the card and do not let anyone else use it. And the cardholder is committed to keep the Personal Identification
Number (PIN) under his supervision and personal responsibility.
2.3
The bank keeps a record of the cardholder (the card account) and records the value of goods purchases, services purchases, cash withdrawals,
fees and expenses occurred due to the use of the card (Card transactions) and any other obligations on the customer occurred under these
Terms and Conditions, and any losses incurred by the Bank because of the use of the card or the card number. An account statement of the
amounts that have been recorded on this account will be sent to the customer on the latest address he/she informed to the bank.
2.4
Under this Agreement, the bank has the right to issue a primary card and supplementary cards for the spouse, children and parents who are
dependent on the customer as supplementary cardholders where the terms and conditions of this Agreement are applicable on the use of any
of the cards mentioned herein. Wherever the word Card appears in this Agreement, it includes the primary card and the supplementary cards
without effect on the rights and powers of the customer.The customer will be responsible for the use of the primary card and the supplementary
cards. The Bank has the right to cancel the primary card as well as the supplementary cards at any time, and request for their return and the
customer alone is responsible to do this.
2.5
Not receiving the card account statement is not an excuse for the customer for not paying the due amount. The
customer can find out the due amounts on the card through the bank toll-free phone or AlJazira Online
www.aljaziraonline.com.sa or by visiting any branch of Bank AlJazira.
3)
Card Account Conditions
3.1
The customer is fully responsible for all credit facilities and / or other facilities granted by the bank regarding the card and all the relevant
expenses regardless of ending or termination of this Agreement.
3.2
The customer may be provided with copies of sales receipts or cash withdrawals for an extra fee of 10 riyals per page paid by the customer. It
may take a period of 30 days to provide copies of sales› receipts after the submission of a written request from the customer to the bank.
3.3
All card transactions are recorded against the card account in the currency of the card as soon as the Bank is informed. As for card transactions
that are in a currency, other than the account currency, these will be charged to the card account after their conversion into the currency of the
account at the exchange rate determined by the Bank at the time of conversion.
3.4
When the cardholder uses his card on the ATMs, the following terms and conditions will be applied:
a. The customer is fully responsible for all transactions carried out by using the card in the ATM that accepts the card (and the bank records
of those transactions are final and binding for all purposes) based on that, the customer authorizes the bank to keep record of the amounts of
any withdrawal or transfer to the current account or any other account using the card whether its use has been done with or without the
customer›s knowledge or with or without his approval.
b. Bank records of transactions carried out using the card at any ATM machine are final and binding on the customer.
c. Bank shall not be responsible for any loss or damage occurred directly or indirectly from any defect or failure that happens to the card or
ATM due to an error committed by the cardholder or others or due to insufficient balance on a temporary basis in those machines or for any
other reason outside the bank control unless it is the result of negligence or misuse from the bank.
d. The value of a check will not be deposited into the specified account in the card application form unless the value is collected by the bank.
e. Any cash deposited into the ATM shall only be considered as received by the bank after verification and it is recorded in the specified
account or the card account.
3.5
The customer must inform the Bank›s services management in writing about any changes to the address and telephone numbers of business
/ office / home / customer’s mobile as soon as possible.
3.6
The bank shall not be responsible for any merchants that refuse to accept the card. It will also not be in any manner responsible for the goods
or services that are provided to the cardholder and the cardholder must solve any of those complaints directly with the merchants. The bank
will not assume any responsibility in this regard. Any lawsuit from the cardholder against the merchants will not be a subject of claim or
compensation against the bank. The bank will not record any refunded amount in the customer›s card account, but will pass it to the creditor
for the benefit of the customer.
3.7
The cardholder is not permitted to use the card for any illegal purpose, including the purchase of goods or services that are prohibited under
the laws of the Kingdom of Saudi Arabia and it is not permissible to use the card in purchases or services which are not Sharia compliant. It is
not permissible to use the card in buying gold or silver. In case that happened, the Bank has the right to cancel the primary card and any other
supplementary cards and the customer must pay the due amounts immediately.
3.8
The Bank is committed to update the credit record of the customer with the Saudi Credit Bureau (SIMAH) on a regular basis, and if the customer
misses to pay any amount payable in monthly statement then the amount will appear in the payment status update of the customer at the bank
end and at SIMAH, and customer record will not be updated till the customer fully settles the due amounts. Note that any default in payment
will affect the customer negatively when applying for any credit facilities at any other banks in the Kingdom.
4)
Lost or Stolen Cards
4.1
Cardholder must report a lost or stolen card to the banking services management of the bank on the phone number + 966 9 2000 6666. The
customer will be responsible for any transactions made on the card before the Bank receives by written notice, by telephone or by fax stating
the loss or theft of the card.
4.2
After the bank receives the notice of the card loss or theft as described in clause (4.1) by the customer addressed to the Bank, then the bank
stops the card reported as lost or stolen and the customer will not bear any other responsibility after reporting, provided that he has reported
in good faith and has made every necessary attention and effort to maintain the card. Unless it is proved to the bank that his behaviour was in
bad faith, and in case of finding the card, the cardholder must inform the bank immediately and give the card back to one of the bank branches
for the purpose of destroying it. The cardholder must not try to use it.
4.3
Regardless of the violation of any mentioned provision, the customer is responsible for all losses incurred by the Bank as a result of the use of
the card by any person who obtains the card with the customer’s approval.
4.4
The Bank may alone and according to its absolute decision approve the issuance of a replacement card for any lost or damaged card and it
will be issued in the same terms and conditions of the lost or damaged card or as may be amended from time to time. The Bank reserves the
right to charge a replacement fee at the expense of the customer and inform the customer, and the customer has the right to accept or reject
the replacement card if the customer had no objection within 2 weeks or if the customer activated the card.
5)
Credit Limit
5.1
The bank sets a limit for the credit card facilities (credit limit) and the customer must comply with this limit with complete precision. The bank
sets the credit limit based on the bank risk policy and credit criteria, and it is subject to change from time to time according to the sole discretion
of the Bank, and the customer should be notified with the credit limit change. The customer can apply for review of his credit limit at any time
and the bank has the absolute right to accept or reject without giving reasons.
5.2
The bank does not allow the cardholder to exceed the set credit limit.
6)
Payment of the Card Transactions
6.1
The Bank determines , from time to time and at its absolute discretion, the minimum amount that the customer should pay immediately on the
payment date specified in the monthly statement and it is a certain percentage of the total due amount on the customer›s account statement
. The bank should inform the customer on time of this minimum due amount that is at least (%5 or SR200, whichever is higher).
6.2
The bank sends the monthly card account statement to the customer at the latest provided address by the customer to the bank. The statement
has details of the total due amount on the card and contains the amounts of purchases and cash withdrawals. The statement also includes the
date where the customer must pay the minimum due amount to the bank. It also includes any previous unpaid amounts of any previous
statement and any amount over the credit limit and any other fees as described in the card use instructions.
6.3
The customer has the right to choose between paying the minimum due as specified in the statement sent monthly to
him or making a full payment of the total due amount. If the customer did not pay the full due amount, this will be
considered as an acceptance from the customer to perform Tawaroq process to repay his due at a monthly profit
margin as mentioned in the price table. Consequently, the Bank will conduct the Tawaroq process with the customer’s
agent to enable the bank to use the funds obtained by the customer from the process of Tawaroq to repay the total
due amount on the card account statement. And the total value of the Tawaroq process will be shown in the next card
statement. The Tawaroq process will be due in one month, and the customer is required to repay on the due date of
the following month.
6.4
For the Tawaroq process, the customer through an authorized agent at Bank AlJazira should perform the Tawaroq process with the bank. For
this purpose, it has been agreed between the bank and a third party on the implementation of Tawaroq processes on behalf of the bank›s
customers; primary cardholders who want to repay their cards› dues through Tawaroq. The power of attorney form is available as part of the
card application form and the customer has to sign this form if he desired to perform the process through the power of attorney.
6.5
In all cases mentioned above , Tawaroq processes is not taken into action except after the grace period (20 days) from the date of issuing the
statement, and the customer should not be delinquent.
6.6
If the customer fails to pay the due amount on the due date for three consecutive months, the card will be blocked and
the bank will not carry out any Tawaroq processes to repay the existing dues owed by the customer for the use of the
card.
6.7
When payment is made by check, the customer must submit the check seven (7) days before the due date to ensure clearing of the check.
6.8
The customer is entitled to issue a standard order to deduct directly from his account at the bank (the assigned account) for the payment of
the due amount on the due date. The following additional Terms and Conditions apply on the standard orders:
a. The customer agrees that the bank reserves the right to determine the priority of any of these standard orders related to submitted checks
to the assigned account or any other arrangements made with the bank.
b. The customer agrees that any modification or cancellation of any of the standard orders must reach the bank at least a week prior to the
date of the next due payment.
6.9
The customer not signing any sales receipts, coupons, cash withdrawals or postal orders, does not excuse him of his responsibility towards the
bank with regard to such sales, cash withdrawals or postal orders. In case the customer›s objection to any amount contained in the monthly
statement, he must inform the bank within 30 days from the date of issuing the statement according to the mechanism instructed by the bank
otherwise, the bank does not guarantee the acceptance of the objection on the transaction performed by bank and / or merchant. A dispute
fee will be charged as mentioned in the price table in case the objection is not true.
6.10 The bank will use any payments made by the customer to repay the commitments occurred from the use of the card towards the bank under
these terms and conditions, according to the order in which the bank decides.
6.11 In case the customer›s objection processed after performing of the Tawaroq process which includes the amounts objected, then the amounts
that will be returned to the card account will be valued of the objected transaction and the calculated profit in the Tawaroq process will be
deducted.
eykMzXUʘm.o0X0y2!`^kle/+=`zj˴ ʘXE`aEc,Y`bXw 0yͧco
7)
7.1
7.2
7.3
7.4
7.5
7.6
8)
8.1
8.2
8.3
8.4
8.5
8.6
9)
9.1
9.2
9.3
9.4
9.5
10 )
10.1
10.2
10.3
10.4
10.5
10.6
10.7
10.8
10.9
10.10
10.11
10.12
10.13
10.14
10.15
10.16
10.17
10.18
10.19
10.20
10.21
Fees and Financial Commitments
The customer shall pay a non-refundable annual fee. This fee amount varies for different card types as shown in the card fees table.
The Bank charges a fixed fee for each cash withdrawal transaction as mentioned in the price table and it is recorded on the customer›s card
account regardless of the withdrawn amount, and the maximum amount for each withdrawal transaction is SR 5,000.
The bank must notify the customer of any amendment or change regarding the following matters in this paragraph relating to the credit card
Agreement by sending a written notice to the customer within a period of not less than 30 calendar days prior to the amendment
implementation, the matters are as follows:
1. Any increase in the annual fees and / or administrative expenses that are charged to the customer.
2. Any increase in Tawaroq profit margin.
3. Any change in the methods of calculating Tawaroq profit margin.
4. Any increase in expenditures and / or recurring charges.
5. Any new fees or expenses. The customer acknowledges that in case of non-acceptance of the amendments made by the bank and
informed them, the bank will treat such refusal as a request for card cancellation, and the bank will not return any amounts paid by the customer
in order to obtain the card.
The bank has the right to charge the annual fees mentioned in the price table upon the activation of the card, and in case the customer did not
activate the card for three months of the card issuance day, the bank has the right to cancel the card without collecting any fees from the
customer and with no legal consequences.
If the customer notifies the bank of his intention to terminate the credit card within 10 days from the date of receiving the credit card that is
issued and approved by the bank, it is not allowed for the bank to collect any fees from the customer or even claim it unless the customer uses
the card.
Transactions in Foreign Currency: The customer is obliged to pay the Credit card balance to the bank according to the account currency and
to the exchange rate determined by Visa / MasterCard and the bank fees for international use as mention in the price table, as well, in the
record of the day each purchase or cash withdrawals transaction is made by customer in any foreign currency.
Agreement Cancellation and Termination
The Bank may terminate this Agreement with the customer at any time by cancelling the card within 30 business days’ notice period specifying
a reason or refusing to renew the card. The customer may also terminate the Agreement at any time by written notice to the Bank accompanied
by returning the card and any supplementary cards.
All existing amounts owed by the customer become due and payable to the bank when terminating this Agreement. The customer agrees that
the bank shall have the right to hold any amounts credited to the current account or any other account maintained by the customer at the bank
or any reserved deposits at the Bank as guarantee to issue the card and / or the supplementary cards for a maximum period of 45 days after
virtually returning the card or any supplementary cards to the bank, and the bank makes clearance for all amounts owed by the customer to
the bank versus any amounts on hold without notifying the customer.
In case the customer becomes bankrupt, all existing amounts he owes on the primary card and supplementary cards become due and payable
immediately under these terms and conditions and supplementary cardholders must immediately stop using those cards and return them to
the bank.
The card remains bank property at all times and must be returned to the bank upon request with any supplementary cards the customer is
responsible for.
The customer may cancel the related supplementary cards of this Agreement by giving a written notice to the bank accompanied by a returning
the supplementary cards. The Agreement shall remain in force until the payment for the card transactions done by using the supplementary
cards and all amounts payable under these Terms and Conditions are submitted to the bank. And if this Agreement is not terminated, the bank
will renew the supplementary cards to cardholders from time to time.
If the customer fails - for whatever reason - to comply with the terms and conditions of this Agreement, the bank may terminate this Agreement
and ask the customer to pay all outstanding amounts he owes, hereunder. The customer will be responsible for all expenses, fees and expenses
incurred by the bank, including legal fees aiming for full compensation.
Authorization and Compensation for the Instructions Issued by Telephone and Fax
The customer may request the bank to act in accordance with any notice or instruction, request or any other message that the customer may
issue from time to time by phone, fax, or believes it is issued on his behalf (instructions) without the bank inquir y, and without prejudice in the
general rules of authorization or the identification of the person who issued the instructions or who is believed to be from him, regardless of
the circumstances at the time of issuing the instructions.
The bank may consider the instructions are issued by full authorization of the customer and he is obliged by them. And the bank has the right
to take the necessary steps in regard to the instructions whether the instructions provided guidance to pay money, debit from any account or
related to disposition of any funds, securities, documents shows that the customer is obliged to any other type of transactions or arrangements
whatsoever regardless of the nature of the transaction, arrangement or the amount associated with it.
The bank shall not be bound by the terms of this authorization to accept instructions by telephone & fax & act whereby if they contain the
following:
a. Change in the authorization
b. A change in the person authorized to sign
c. To grant power of attorney to another person or another entity
d. To close the account / accounts and transfer the remaining balances by any means
Under the bank acting according to the terms of this authorization and compensation, the customer undertakes irrevocable pledge to
compensate the bank and protect it at all times from and against all losses, claims, lawsuits and legal proceedings, claims, damages, costs and
expenses incurred by the bank or borne of whatever nature or causes arising in connection with the instructions.
This authorization and compensation terms remain valid and fully effective until the bank receives notice of termination from the customer in
accordance with the terms of the authorization on condition that the bank has the time to act accordingly, except that such termination will not
relieve the customer from any liability resulting from this authorization.
General Provisions
The relationship between the customer and the businesses, merchants or companies who accepted the card, and the bank is an ensuring
relationship where the bank insure to the businesses, merchants or companies who accepted the card the debt owed by the customer as a
result of using the card under the provisions of this Agreement.
The bank may, upon its sole discretion, to transform and disclaims, and in any capacity, partly or wholly for any amounts owed by the customer,
and the customer should pay all unpaid amounts and if necessary to claim payments through collecting agents or recourse to the law for the
force for the payment.
The customer must provide the bank with data about his financial status when requested by the Bank. The customer also authorizes the bank
to verify the validity of such data and in case of failure to provide such data to the bank upon request, the bank may – upon its sole discretion
- refuse to renew or cancel the card immediately.
Using the card on the Internet is a complete responsibility of the customer/ cardholder. Note that using the card by its number and PIN code
is considered as a signature of the customer/ cardholder to perform the transaction.
The customer authorizes the bank to send customers’ and supplementary cardholders› data declaration and primary card & upplementary
cards accounts details to Saudi Arabian Monetary Agency (SAMA), banks and the concerned authorities. The customer authorizes the bank to
get and / or disclose to the Saudi Credit Bureau (SIMAH) or any other certified parties by the Saudi Arabian Monetary Agency such information
may be required by the Bank at its discretion to prove, review or manage the account / facilities at the bank.
The customer approved in an irrevocable consent that the bank may at its discretion exchange any information or data regarding the customer
and / or cardholder or his transactions with any member or associate member, (Including the purpose of preventing fraud, auditing, or the
providing services by a third party, collecting a debt or pursuant to a request of any government organizations or regulatory authorities).
The customer approved in an irrevocable consent that the bank may assign to a third party the process of providing services to the customer
or any part of it, whether this third party works or does not work within another judicial jurisdiction or any other area. The bank will remain
responsible to the customer for any refundable losses or damages incurred and to maintain the confidentiality of this information just as carried
out by the bank.
The bank may record telephone calls of the customer and the cardholder and archive the calls.
The customer authorizes the bank without notice to combine the payable due amounts on the card account with any other account maintained
by the customer at the bank and to conduct clearing or transfer any other of the customer ‹s payable accounts balance to meet his obligations
to the Bank in accordance with these terms and conditions. Clause will be applied as per SAMA regulations
This Agreement replaces any similar Agreement previously signed by the customer with the bank regarding the issuance or card (cards) usage
and previous Agreements are considered cancelled.
The bank reserves, at all times, the right to change or amend the terms and conditions set forth above or enter new terms and conditions and
any change or amendment shall become effective and binding upon the customer after notifying him by any communication channel that the
bank see it appropriate . In case of the customer›s not accepting any of such amendments or changes he must return the card with the
supplementary cards to the bank to cancel them within 14 days of notification. The customer must pay the outstanding amounts he owes to
the bank for transactions done by using that card or supplementary cards before returning the card and any supplementary cards to the bank
within 5 days from the card/cards returning date.
The bank shall not be responsible for any loss incurred by the customer in the event of the bank prevents or delays providing the customer &
the cardholder with banking services or any other services because of an events and reasons of force majeure like turmoil, the publication of
regulations, decrees, directives, regulations or the provisions of the concerned authorities or any reasons beyond the bank control.
The customer remains responsible for any fees incurred, if for any reason mentioned in item (10.12), the account statement does not reach the
customer.
The Bank, at any time, may request any document (documents) from the customer or the cardholder that the Bank deems necessary to enforce
this Agreement or any of the transactions to be conducted using the card by the customer or the cardholder.
The customer shall update personal identification data (ID) approved in his own card account records at the bank and the personal
identification data (ID) must be always valid and the bank shall not be responsible for the blocking of the card as a result of the violation of this
obligation.
The customer shall update his personal contact data like mailbox & mobile number with the bank records for the card account & the bank shall
not be responsible for failure to inform the customer of any amendments thereto this Agreement as a result of a violation of this bligation.
This Agreement is subject to and interpreted in accordance with the rules and regulations in force in the Kingdom of Saudi Arabia and any
dispute will be transferred to the concerned judicial authority for its rule without contradicting the provisions of Islamic Sharia.
The card must be signed by the customer and cardholder at the back of the card as soon as he receives it.
The customer agrees to receive text messages SMS for the financial & non-financial transaction on the card account, in addition to the SMS
related to special promotion and / or campaign for the credit card or personal finance or mortgage or any of the retail banking products.
The customer agrees to receive calls from the bank for promoting banking products (all retail products and services), and authorizes the bank
to inquire and get any information that belonged to the customer from Saudi Credit Bureau (SIMAH) as an initial acceptance for the product
after providing the customer with all information about the product or / and service.
The Arabic language is the authorized language in interpreting and executing this Agreement. If there is any discrepancy between Arabic &
English text, the Arabic text prevails.
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