Rules of Issuance and Operation of Credit Cards

SAR. 6. Use your credit card locally at POS terminals or Online Purchases Free. 7. Reissuance of Credit Card (Lost, Damaged, Incorrect PIN) 15 SAR. 8. Late Payment 50 SAR. 9. International purchase Transaction Fees 2 % of the transaction amount Chapter 9 Final Provisions Article 49 The provisions of these rules are without prejudice to the provisions contained in the relevant instructions issued by SAMA, including, but not limited to, the following: 1.1 Final Consumer Protection Principles and Rules 1.2 Responsible Lending Principles for Individuals Customers 1.3 Debt Collection Regulations and Procedures for Individual Customers 1.4 Rules for Advertising Products and Services Provided by Financial Institutions. 1.5 Rules Governing Calculation of Annual Percentage Rate (APR) . 1.6 Disclosure of Interest Rates on Financing and Savings Products. 1.7 Principles of Conduct and Work Ethics in Financial Institutions . 1.8 Regulations for Consumer Financing . 1.9 Counter-Fraud Framework. 1.10 Cyber Security Framework. 1.11 Business Continuity Management Framework .