How to Get an Alinma Mada Debit Card
Alinma Mada Debit Card links your current account with secure local and international transaction access. It’s ideal for day-to-day payments, online purchases, ATM withdrawals, and integration with mobile wallets like Apple Pay.
What Is the Alinma Mada Card?
Alinma Mada Card is a debit card issued by Alinma Bank for account holders.
It operates under the Saudi Payments (Mada) network and supports the Visa payment gateway for global use.
Core Functions:
- Acts as a debit card for point-of-sale (POS), ATM, and online usage.
- Supports contactless payments and integration with Apple Pay, Google Pay.
- Offers real-time balance deduction from your current account.
Card Types:
| Card Type | Description | Issuance Fee |
|---|---|---|
| Primary Mada Card | For main account holder | Free |
| Supplementary Card | For authorized family members | SAR 30 |
| Replacement Card | Replaces lost or damaged card | SAR 30 |
Alinma Bank issues both digital and physical versions of the Mada card, depending on user preference.
Who Can Apply for the Alinma Mada Card?
Any Alinma Bank account holder with valid identification can request a Mada card.
Eligibility Requirements:
- Must have an active current account with Alinma Bank.
- Possess a valid Iqama or national ID.
- Must have a registered and verified mobile number.
- National address must be correct for physical delivery.
Foreign Nationals:
- Expatriates with valid Iqama and an existing Alinma account can apply.
- Verification is done through Saudi National Address System.
No income requirement is set for basic Mada card issuance.
How to Request the Alinma Mada Card Online?
You can apply for the Mada card using the Alinma Mobile App in under 5 minutes.
Both digital and physical cards can be requested via self-service.
Step-by-step Guide:
- Log in to the Alinma App using your username and password.
- Authenticate login via OTP (One-Time Password) sent to your mobile.
- Tap on “Cards” under the main menu.
- Select “Apply for New Card” → choose “Mada Visa Debit Card”.
- Choose Digital or Physical Delivery option.
- For physical card:
- Confirm national address and delivery details.
- Tap “Confirm” to submit.
- Alinma will initiate IVR call for verification.
- Card is issued upon successful activation.
Card Delivery:
- Delivery timeline: 5–10 working days.
- Delivery channels: Saudi Post, Miles Speed courier.
- Status updates are sent via SMS and app notifications.
Note: Physical card requests may fail if the account has zero balance.
How to Activate the Alinma Mada Card?
Card activation is required before any transaction or ATM use.
There are two ways to activate the Mada card:
1. For Digital Mada Card:
- After issuance, go to Cards > Activate Card.
- Enter your 4-digit PIN twice.
- Confirm activation via OTP.
- Complete IVR call authentication (automated call).
Once done, card becomes usable for digital payments and ATM withdrawals.
2. For Physical Mada Card:
- Receive the card at your registered address.
- Go to Cards > Activate Card in the app.
- Enter new PIN.
- Confirm via OTP and IVR call from Alinma.
- Card becomes active within minutes.
Tip: Always verify your mobile number is updated in the bank records to avoid activation issues.
What Are the Features of the Alinma Mada Card?
The Alinma Mada Card offers over 15 banking services directly linked to your account.
It supports local and international usage with real-time integration.
Key Banking Features:
| Feature | Description |
|---|---|
| ATM Withdrawals | Use ATMs in Saudi Arabia and worldwide |
| POS Payments | Shop locally and internationally using chip or contactless tap |
| Digital Wallet Integration | Compatible with Apple Pay, Google Pay |
| PIN Change | Change your PIN anytime via Alinma ATMs |
| Balance Inquiry | Check account balance from any ATM |
| Internal Transfers | Transfer money between your own Alinma accounts |
| Customer-to-Customer Transfers | Send money to other Alinma customers instantly |
| Mini Statement | View last few transactions at ATMs |
| Bill Payments | Pay government bills via SADAD from the card |
| Visa Offers | Access to exclusive discounts and deals via Visa |
| Supplementary Card | Issue additional cards for family members |
| Mobile Banking Registration | Card can register you for Alinma Internet/Mobile Banking automatically |
| Cash Deposit via ATM | Deposit funds via Alinma cash deposit machines |
| Rewards & Offers | Join offers like Akthr loyalty program |
Apple Pay Example:
Once activated, users can add the card to Apple Wallet via the app and make tap payments at supported merchants.
Government Bill Payment:
You can pay traffic fines, electricity bills, and municipal fees using the Mada card through SADAD channels on the app.
What Are the Fees for the Alinma Mada Card?
Most Alinma Mada card services are free, but certain transactions carry fixed or percentage-based fees.
Fee Structure Table:
| Service | Fee |
|---|---|
| Primary Mada Card Issuance | Free |
| Supplementary Card | SAR 30 |
| Card Replacement | SAR 30 |
| Local ATM Withdrawals (Alinma) | Free |
| Local ATM Withdrawals (Other Banks – KSA) | SAR 10 |
| GCC ATM Withdrawals | SAR 10 |
| International ATM Withdrawals (Standard) | SAR 25 + 2.65% of amount |
| International ATM Withdrawals (Infinite) | SAR 25 + 2.2% of amount |
| Balance Inquiry (GCC/International ATM) | SAR 3 |
| Dispute Fee | SAR 30 |
| Visa Pre-Arbitration Chargeback Fee | SAR 97.5 (USD $25) |
| Foreign Currency Conversion | ~3.75% exchange margin |
Notes:
- VAT of 15% applies to all service fees.
- Fees vary between card types (Standard vs Infinite).
- International withdrawals incur both a flat fee and a conversion margin.
What Are the Limits on the Alinma Mada Card?
The Mada card has daily transaction limits for security and account control.
Limit Overview:
| Transaction Type | Limit (SAR) |
|---|---|
| Daily ATM Withdrawal | 5,000 |
| Daily POS Purchase Limit | Up to 20,000 |
| Daily Online Transactions | Tied to POS purchase cap |
| Daily Transfer via App | Depends on account tier |
These limits are set by default and may vary depending on card type or user profile.
Can Limits Be Increased?
Yes. You can request a higher limit up to SAR 200,000 by:
- Visiting an Alinma branch
- Using the Alinma App → Card Settings
- Calling customer service
How to Track and Receive Your Card Delivery?
Card delivery is handled through verified logistics services within Saudi Arabia.
Delivery Steps:
- Submit request in the app with correct national address.
- SMS confirmation is sent immediately after approval.
- Bank verifies location via Miles Speed or Saudi Post.
- You receive a call or WhatsApp message from the courier.
- Card is delivered within 5–10 working days.
You can track your card through a tracking link sent via SMS.
Important:
- Confirm the registered mobile number and address.
- If undelivered in 10 days, contact Alinma support.
What to Do If You Lose Your Mada Card?
Losing your Mada card can be resolved quickly using the Alinma App or customer support.
Steps to Take:
- Open Alinma App → Tap “Cards”.
- Select the card and choose “Stop Card”.
- Tap “Replace Card” to initiate a new request.
- Choose digital or physical issuance.
- Pay SAR 30 replacement fee via account balance.
Additional Features:
- You can reset PIN or lock the card temporarily.
- Report issues 24/7 via Alinma’s hotline or in-app live chat.
What Are the Benefits of Using Alinma Mada Visa?
The Mada Visa card combines local and international spending features with added offers.
Benefits Overview:
- Global Acceptance: Use anywhere Visa is supported.
- Visa Offers: Access to travel, retail, and food discounts via Visa Offers.
- Apple Pay/Google Pay Integration: Seamless NFC tap-to-pay support.
- Loyalty Program: Register in the Akthr program for extra points and rewards.
- Online Payment: Safe CVV-secured purchases with OTP verification.
- Bill Payment: Use card for SADAD payments to government agencies.
Example Use Case:
A customer activates the card, adds it to Apple Pay, and pays for food at a restaurant in Riyadh within minutes — no need for cash or ATM interaction.
What Common Issues Happen During Application?
Most card request issues come from incomplete data or inactive accounts.
Common Problems & Fixes:
| Issue | Cause | Solution |
|---|---|---|
| Card request denied | SAR 0 balance | Deposit any amount before applying |
| Address mismatch | Incorrect National Address in system | Update via Absher or Alinma branch |
| Delivery delay | Courier couldn’t contact you | Answer unknown calls, check SMS tracking |
| OTP not received | Outdated mobile number | Update phone via app or bank branch |
| Card not activating | Failed IVR call or no response | Repeat activation or call customer care |
Tip: Ensure your Absher and national address are updated before starting the process.
How to Use the Alinma Mada Card Abroad?
The Alinma Mada Visa card supports international transactions and ATM usage.
Key International Use Cases:
- Withdraw cash at any Visa-supported ATM worldwide.
- Pay in-store or online using the card.
- Add card to Apple Pay/Google Pay for use overseas.
Associated Costs:
| Fee Type | Charge |
|---|---|
| International ATM Withdrawal | SAR 25 + 2.65% (or 2.2% for Infinite) |
| Foreign Currency Conversion Fee | ~3.75% of transaction value |
Example:
- You withdraw USD $100 from an ATM in Dubai.
- Transaction = 100 x 3.75% = SAR 3.75 + SAR 25.
- VAT is added separately (15% of the SAR 25 fee).
Daily international use is still subject to the POS and ATM limits.