Credit Shield
Whenever you are unable to pay your credit card outstanding amount, our Hemayati and Hemayati Plus programs protect you and your family in the case of unfortunate circumstances. Give yourself peace of mind knowing we will take care of your balance by settling your credit card balance of up to SAR 225,000 (according to the insurance policy).
Hemayati
- Credit card balance coverage of up to SAR 225,000.
- Coverage of all supplementary credit cards' balance under the primary credit card registered for the program.
- A monthly fee of only 0.39% of your credit card's outstanding balance .
Hemayati Plus
- Credit card balance coverage of up to SAR 225,000 in the case of accidental death and permanent total or partial disabilities.
- Coverage of all supplementary credit cards' balance under the primary credit card registered for the program.
- Cash payment to the family equal to the credit card's outstanding balance (in the case of accidental death only).
- A monthly fee of only 0.49% of your credit card's outstanding balance.
Applying Is Easy
If you are applying for a new AlAhli Credit Card and want to subscribe in Hemayati or Hemayati Plus at the same time, simply ask the sales manager in the branch processing your request to add the Program in your application.
If you want to add Hemayati to your existing AlAhli credit card, please follow the steps below:
1) AlAhli Mobile App:
Download AlAhliMobile Now!

- Log in to AlAhli Mobile Application.
- Select AlAhli credit cards
- Click on additional Menu
- Choose Hemayati
- Choose program Hemayati / Hemayati Plus
- Confirm your transaction
2) AlAhliOnline :
- Log in to AlAhliOnline.com.
- Select Credit Card.
- Select Additional Menu.
- Choose Hemayati.
- Choose program Hemayati / Hemayati Plus.
- Confirm your transaction.
3) Call AlAhli Phone Banking :
- Enter your personal number .
- Enter your password .
- Choose No. 2 for credit cards
- Choose No. 5 for Card maintenance
- Choose No. 3 for Hemayati
- Enter two digit number to identify your Credit Card
- Choose program Hemayati / Hemayati Plus
- Confirm enrollment in program Hemayati / Hemayati Plus
Criteria :
1) A primary AlAhli Credit Card holder
2) Employed, self-employed or have any other income source .
3) Must be between 20-75 years old:
- For death benefits : up to 75 years old (God Forbid).
- For disability benefits: up to 65 years old.
Claim Procedure
1 - To claim in the case of death:
- Report the incident immediately by calling 92000-1000
- Prepare the following documents:
- Statement of account at the date of death.
- Death certificate.
- Cause of death (hospital report).
- Police report in case of accidental death.
- Copy of passport, Iqama or Saudi National ID card.
- Inheritance eligibility deed in case of accidental death only .
2- To claim in case of permanent or partial disability:
Report the incident immediately by calling 92000-1000
Prepare the following documents:
- Statement of account.
- Medical evidence attesting to the state of the insured customer.
- Copy of passport, Iqama or Saudi National ID card.
During the waiting period, the insurance company has the right to:
Demand proof of the reported disability.
Have the insured person re-examined by a medical examiner of their choice.
Credit Card Outstanding amount | 1,000 SAR |
Hemyati Plus Fees 0.49%* Outstanding Balance | 1,000 x 0.49 % = 4.9 SAR |
VAT 15% on Credit Shield Fees | 4.9 x 15% = 0.735 SAR |
Total Charged on Credit Shield | 1,005.635 SAR |