THESE TERMS

• 1.1 These Urpay Prepaid Card Terms and Conditions (the “Card Terms”) form an integral part of your Agreement with Urpay and shall apply to your use of any prepaid payment cards issued by Urpay. Whether in virtual form (each, a “Virtual Card”) or in actual printed form (each, a “Physical (Plastic) Card”), each of which is referred to as a “Card”).
  
  1.2 Any term defined in the urpay e-wallet terms and conditions (“Wallet Terms”) shall have the meaning given to it in the Wallet Terms unless the context of these Card Terms requires otherwise.
  
  1.3 These Card Terms will continue in effect unless and until you or we cancel your Wallet Terms or these Card Terms pursuant to the termination rights provided for in your Wallet Terms and these Card Terms, as applicable.
  
  1.4 Please read these Card Terms carefully before requesting, activating and using any Card. In the event of any inconsistency between the Wallet Terms and these Card Terms then the provisions of these Card Terms shall apply.

CARDS ISSUANCE AND ACTIVATION

• 2.1 Request the card via urpay App and agree on the terms and conditions.
  
  2.2 To use your Card, you must first create a password number (PIN) and activate it. You can create a password number (PIN) while requesting the card. and activate your Card by logging into your Wallet Account via the App and following the steps and instructions on the App for the relevant Card.
  
  2.3 All cards issued to you under these Card Terms shall be directly linked to your Saudi Riyal Wallet and shall have the nature of direct debit from the available Saudi Riyal balance in your Wallet Account.
  
  2.4 Your card has the nature of direct debit from the available amounts in the wallet. You can monitor and follow up on the status of your card, its available balance, and the transactions conducted on and through it through the application.

VALIDITY PERIODS AND CARD RENEWALS

• 3.1 Unless stated otherwise on a Card, each Card will be valid for a period of three (3) Gregorian calendar years from the date of issuance.
  
  3.2 Cards will be automatically renewed upon expiry for further three (3) year periods, unless you cancel your Card in accordance with section 4 below

CANCELLATION AND/OR SUSPENSION OF CARDS

• Cancellation by you
  
  ‍You have the right to request cancellation of your Card as follows:
  
  4.1 Cancellation of the cards will be free of any charges within ten (10) calendar days of the date of issuance of the Card by urpay unless he uses it.
  
  4.2 After the ten (10) day period referred to in section 4.1 above has expired, you may cancel your Prepaid Card at any time, but you must give Urpay at least forty-five (45) days’ prior notice (as detailed below) before any applicable annual fees are due in order to avoid being charged the annual fee for the applicable year. Details of annual fees are provided under section 5 of these Prepaid Card Terms.
  
  4.3 In the event that the free Card is not used for a period of three (3) months from the date of issuance, we have the right to cancel the card without your permission.
  
  4.4 If Urpay makes any changes to these Prepaid Card Terms (excluding any applicable fees, which remain fixed for the term) you may cancel your Prepaid Card with immediate effect during the applicable notice period given by Urpay under section 20.3 (Amendments) of the Wallet Terms. The notice period provided by Urpay for any changes will ordinarily be thirty (30) days before the relevant change comes into effect, unless:
  (a) the change needs to be implemented sooner in order to comply with the laws and regulations of the Kingdom of Saudi Arabia; or
  (b) the changes should be implemented with immediate effect for the best interest of you and us. In such circumstances we will notify you as soon as possible. If you cancel your Prepaid Card in accordance with this section you will not be charged any new annual fee (if applicable) for the relevant Prepaid Card provided that you have cancelled before the next annual fee becomes due and payable, even if there is less than forty-five (45) days before the annual fee due date
  
  4.5 Cancellation may be requested by notifying Urpay in writing or through the App by following the cancellation instructions set out on the App.4.3 In the event that the Card is not used for a period of three (3) months from the date of issuance, we and you acknowledge and agree to cancel your Card.4.4 If Urpay makes any changes to these Prepaid Card Terms (excluding any applicable fees, which remain fixed for the term) you may cancel your Prepaid Card with immediate effect during the applicable notice period given by urpay under section 20.3 (Amendments) of the Wallet Terms. The notice period provided by Urpay for any changes will ordinarily be thirty (30) days before the relevant change comes into effect,
  unless: (a) the change needs to be implemented sooner in order to comply with the laws and regulations of the Kingdom of Saudi Arabia;
  or (b) the changes should be implemented with immediate effect for the best interest of you and us. In such circumstances we will notify you as soon as possible. If you cancel your Prepaid Card in accordance with this section you will not be charged any new annual fee (if applicable) for the relevant Prepaid Card provided that you have cancelled before the next annual fee becomes due and payable, even if there is less than forty-five (45) days before the annual fee due date.4.5 Cancellation may be requested by notifying Urpay in writing using the contact details set out in section 2.2 (Contacting Us) of the Wallet Terms, or through the App by following the cancellation instructions set out on the App.
  
  ‍Cancellation or suspension by urpay
  
  ‍4.6 We reserve the right to refuse to provide or discontinue the provision of Cards to any person or entity at any time and for any reason. If we decide to discontinue providing Card services to you, we may cancel any existing Card issued to you by providing you with thirty (30) days’ written notice, in which case we will refund a portion of the issuance fee for the remaining period of the year.
  
  4.7 We may also cancel a Card with immediate effect on giving written notice (which includes by electronic communication) to you in the event of any actual or suspected breach of the Agreement by you, or any misuse of any Card. If you have multiple Cards or other payment cards linked to your Wallet Account we may, at our discretion, cancel such other payment cards linked to your Wallet Account.
  
  4.8 We may suspend access to your Card for any of the reasons set out in section 15.1 (Service and Account Suspension) of the Wallet Terms. We may also suspend any of your Cards if we deem, in our sole discretion, that such action is necessary for protection of you, us or other users of our services.Consequences of cancellation4.9 Upon cancellation of a Card:4.9.1 you must (where applicable) destroy your cancelled Physical Card and dispose of it at your own responsibility minding any environmental requirements;
  
  Consequences of cancellation
  
  ‍4.9 Upon cancellation of a Card:
  
  4.9.1 you must (where applicable) destroy your cancelled Physical Card and dispose of it at your own responsibility minding any environmental requirements;
  
  4.9.2 all existing amounts owed by you in respect of your Cards will become due and payable to Urpay on the date that cancellation takes effect. You agree that you hereby authorise Urpay to charge such amounts on your Card and to charge any outstanding amounts as at the effective date of cancellation from your Wallet Account. In the event you do not have sufficient funds in your Wallet Account, you will have to settle such amounts to us immediately and you will be responsible for all expenses, fees and costs (including legal fees) incurred by us in collecting payment from you; and
  
  

CARD FEES

• 5.1 You must pay all charges and fees in respect of your Cards. Urpay will charge you any applicable fees for a Card at the point that a Card is issued to you.
  
  5.2 The applicable fees on the date that you entered into your Agreement with Urpay are set out in the table at section 5.3 of these Card Terms. These are payable in addition to any other fees and charges as may be payable in respect of your Wallet Account, your use of the Urpay Services as may be specified under the Wallet Terms or any fees and/or charges that may be payable to Third-Party Payment Platforms when you make purchases with a Card via such Third-Party Payment Platform (see section below on Third-Party  Payment Platforms).
  
  5.3 The applicable fees are as follows:
  

• Description	Virtual Card Issuance Fee	Annual Fee	Virtual Supplementary Card Fee	Printing Physical Card Fee
  Mada Card	Free	Free	SAR 30	SAR 30
  Visa Platinum Card	Free	Free	SAR 30	SAR 30
  Alahli Club Card	SAR 30	SAR 30	SAR 30	SAR 70
  Visa Signature Card	SAR 300	SAR 300	SAR 300	SAR 30

  Description	Fee Amount
  Virtual Card Replacement Fees	30 SAR
  Cash Withdrawal Fees for All Cards (from Local Al Rajhi Bank ATMs)	Free
  Mada Card Cash Withdrawal Fees (from Local ATMs Not Affiliated with Al Rajhi Bank)	Free
  Visa Cash Withdrawal Fees (from Local ATMs Not Affiliated with Al Rajhi Bank)	75 SAR
  Mada Card Cash Withdrawal Fees (from ATMs within the Gulf Countries)	10 SAR
  Mada Card Cash Withdrawal Fees (from Outside the Kingdom)	25 SAR
  Cash Withdrawal Fees for Visa Cards (from Outside the Kingdom) Less than 5000 Saudi Riyals	75 SAR
  Visa Cash Withdrawal Fees (from Outside the Kingdom) More than 5000 Saudi Riyals	3% up to SAR 300
  Mada Card Balance Inquiry Fees (from ATMs within the Gulf Countries)	SAR 3
  Visa Balance Inquiry Fees (from Outside the Kingdom)	SAR 3.5
  False Objection Fee	SAR 50
  Mada International Transaction Fees	2.75%
  Visa International Transaction Fees	2.2%

• 5.4 All fees quoted are exclusive of applicable Value Added Tax (VAT) and any other indirect Taxes, as may be applicable. You shall be responsible for any applicable Taxes in accordance with section 13 (Fees and Payment Terms) of the Wallet Terms.
  
  5.5 If you use your card (wither for cash withdrawal or purchases) and no sufficient funds were available in your card, the transaction will be declined.
  
  5.6 If you use your Card for international cash withdrawal or international purchase in a foreign Currency and having sufficient SAR balance on your card you will bear any differences resulting from the fluctuation of the exchange rates. Here is an example to illustrate the method of currency conversion and not the real exchange rate:
  
  

• Transaction Amount	Exchange Rate	Amount in SAR	Foreign Transaction Fee	Due Amount
  USD 100	SAR 3.75	SAR 375	375 SAR * 2.2% = 8.25 SAR	SAR 383.25

USING YOUR CARD(S)

• 6.1 You agree that you will not use a Card to purchase any items prohibited under Sharia or for any other prohibited payment as may be specified by Urpay from time to time in accordance with section 5.8 (Prohibited Payments) of the Wallet Terms. Urpay will have the right to suspend or cancel any Card if you breach this section.
  
  6.2 You will be responsible for all obligations arising out of purchases made via your Card. If when purchasing goods or services online the merchant website requests a security code, this will be sent to you using the mobile number that you have registered with Urpay
  
  6.3 Cards can be used to purchase goods and services through websites and points of sale that accept the scheme of your Card, eligible Third-Party Payment Platforms (including Apple Pay), mada Pay, or any other electronic wallets as may be available.Cancellation by you
  

THIRD PARTY PAYMENT PLATFORMS

• 7.1 You can use your Card to make payments via eligible online or mobile payment systems and/or an electronic wallet services created by a third-party provider (each a “Third-Party Payment Platform”). You can link your Card to an eligible Third-Party Payment Platform by following the instructions for doing so issued by the applicable Third-Party Payment Platform provider, and bydoing so you will be consenting to the terms and conditions of that Third-PartyPayment Platform for which we have no responsibility. You may de-link your Payment Card from a Third-Party Payment Platform and we may as well cancel this functionality at our discretion subject to notifying you pursuant to these Card Terms.
  
  7.2 When using an eligible Third-Party Payment Platform, you will be able to add the credentials of your Cards to make payments for purchases at merchants and payment acceptance portals that accept payment via such Third-Party Platform.
  
  7.3 A virtual representation of any Card you link to a Third-Party Payment Platform is licensed to you for use only in accordance with these Card Terms. You acknowledge and agree that:
  
       7.3.1 we reserve all rights not expressly granted to you herein this T&Cs;
       7.3.2 you are granted a non-exclusive, non-sub licensable, on-transferable, personal, limited license to install and use       tokens and other credentials associated with a Card to make payments with your Device on the Third-Party Platform solely in accordance with the Wallet Terms. The license is limited to use on any Device that you own or control and as permitted by any applicable Third-Party agreements; and
       7.3.3 you shall not rent, lease, lend, sell, redistribute or sub-license any right to use any Card credentials on the Third-Party Payment Platform.
  
  ‍Records and information
  
  ‍7.4 By registering, adding and using the Cards on a Third-Party  Payment Platform, you acknowledge that certainCard account information may be transmitted to and stored within your Devicewith the Third-Party  Payment Platformprovider and/or on the system of a Third-Party  working with the Third-Party  Payment Platform provider. We shall not beresponsible and have no control over the privacy and security of your personaldata and the information provided by you to the Third-Party  Payment Platform provider.
  
  7.5 We may retain records of your activity in the Third-PartyPayment Platform, including the most recent transactional data. We may alsoperiodically collect and use technical data and related information (that doesnot personally identify you) as a result of your use of the Third-Party  Payment Platform (for example, technicalinformation about your Device). We may use this information to improve ourproducts or to provide services or technologies.

ACCOUNT STATEMENTS  

• 8.1 You can view your transactions data in your Wallet Account via the App. You should report any irregularities and clarify any questions you have as soon as possible and in any event within thirty (30) days from the date of the relevant transaction using the methods specified in section 2.2 (Contacting Us) of the Wallet Terms. You will be responsible for any charges associated with any wrong objections raised (see disputes fees in the table at section 5.3)
  
  8.2 You acknowledge and agree that not receiving an account statement does not excuse you of your obligation to make payment of the amounts due in connection with your Cards to Urpay. You can find out the due amounts on the Card by accessing your App at any time.

TRANSACTIONS

• 9.1 Your local and international transactions will be subject to the fees, calculations and processes described under section 5 of these Card Terms.

CARD LIMITS

• 10.1 The payment limit for any Card linked to your Wallet Account shall be the amount available on the wallet. You can check your wallet balance at any time by logging into your Wallet Account via the App.

YOUR RESPONSIBILITY  

• 11.1 You undertake that you will not authorize others to use any Card issued to nor disclose your PIN number to anyone.
  
  11.2 Your liability for unauthorized use of Cards shall be limited by the following:
     11.2.1 Where the unauthorized use:
         (i) of a Card is due to loss or theft of the Physical Card or
         (ii) of a Virtual Card is due to unauthorized use or access of your Virtual Card by a Third-Party, your maximum         liability prior to you reporting the loss or theft to us shall not exceed your Card balance or the amount of         unauthorized transactions posted to your whichever is lower at the time of such loss or theft; and
  ‍
     11.2.2 You shall have no liability for any unauthorized transactions made on the Cards after reporting it to us if the     following conditions were met:
         (a) you notified us immediately and without delay in accordance with section 13 of these Cards Terms; and
         (b) you exercised vigilant care in safeguarding the Cards from risk of loss, theft or unauthorized use.
  
  11.3 When you inform us of unauthorized charges on a Card, Urpay will ensure appropriate investigations are carried out to determine responsibility and liability. You must provide all necessary information and documentation to assist in the investigations as may be requested by Urpay. We will provide you with a reference or transaction number at the time of the report of loss, theft or unauthorized usage of a Card.
  
  11.4 Following our receipt of a notification of loss or theft of a Card, we will block the Card. You will thereafter have no further liability provided that you have acted in good faith and with all reasonable care and diligence in safeguarding the Card. If you subsequently recover a Physical Card, you shall report the matter to us and any relevant law enforcement authority and immediately destroy the recovered Physical Card and dispose of it at your own responsibility minding any environmental requirements. You must not make any attempt to use a Card that has been reported as lost or stolen.

URPAY’S RESPONSIBILITY

• 12.1 We shall not be responsible for any loss or damage arising directly or indirectly from any malfunction/failure of a Card arising out of your mistake, the insufficiency of funds or any other reason either within or beyond our control unless such direct and actual loss or damage occurs as a result of our negligence. We shall also not be responsible for refusal to accept the Card or if there is a defect in any point-of-sale devices.
  
  12.2 Any transactions made on a Card shall be between you and the relevant seller. We are not a party to this contract nor do we assume any responsibility or liability arising out of or in connection with such contract.
  
  12.3 Urpay will not be responsible for refunding the issuance/annual fee of the card to the customer in any case as it is payable to urpay.

LOST, STOLEN OR DESTROYED PAYMENT CARDS

• 13.1 In the event that a Card is lost, stolen or destroyed, or you otherwise become aware of any unauthorized access or use, you must immediately inform us via the App or by calling the call center at 8001000081 (from within KSA) and 00966115125666 (out of KSA).

REPLACEMENT CARDS

• 14.1 We may issue you a new Card in the following circumstances:
  ‍
  - You have reported a Physical Card “where applicable” as lost, stolen or destroyed;
  - a Card has been invalidated on the suspicion of a fraud or a suspicious transaction and it turned out later that the suspicion was incorrect.;
  - A Card is accessed or used by someone other than you;
  - The validity period of the Card as set out in section 3 of these Cards Terms is due to expire;
  - As a result of technical, operational or technological enhancements (including system enhancements); or
  - In order to comply with any applicable laws, requirements or regulations in the Kingdom of Saudi Arabia.
  
  14.2 You shall be liable for the fees mentioned in section 5 of these Card Terms if we issue you with a replacement Card for any of the reasons set out in sections 14.1.1 to 14.1.3 (inclusive) of these Card Terms.
  
  14.3 You shall have the right to accept or reject the replacement Card issued to you in accordance with section 14.1 of these Card Terms provided that you will have been deemed to have given your consent where:
  
     14.3.1 you do not expressly object to the new Card within fourteen (14) calendar days from the date of issue of the     replacement Card; or
     14.3.2 you activate the Card as required by us or otherwise use the replacement Card to undertake transactions in     your Wallet Account.

ACKNOWLEDGEMENT

• 15.1 You acknowledge and agree that:
  
  15.1.1 The use of your Card is subject to the availability of a balance in your Wallet. You must refrain from using your Card to make purchases unless your Wallet has sufficient balance to cover the purchase price. Without prejudice to the foregoing, if any transaction you make (including any applicable transaction fees) results in your Wallet balance being less than zero, you must immediately pay urpay all outstanding amounts recorded. In such cases, urpay shall have the right to cancel your Card upon or after such outstanding amount is recorded, with you bearing any liability arising from the use of your Card in violation of the provisions of this clause.
  
  15.1.2 all information that you provide to us in order that we may issue you with Card must be current, complete and accurate. You will promptly notify us of any changes to your contact details (including address, phone numbers and email address) or other information that you provide to us in accordance with section 12.2 (Information Requirements) of the Wallet Terms. If you fail to promptly notify us, we may (at our discretion) suspend your Card(s); and
  
  15.1.3 you authorize us to send your data declaration and account details to SCB, banks and any other applicable authorities. You authorize us to obtain and/or disclose to the Saudi Credit Bureau (SIMAH) or any other certified parties by the SCB such information as may be required by us (at our discretion) to prove, review or manage your Wallet Account and the Card

SIGNATURE CARD REWARDS

• 16-1.The following provisions shall apply to the Signature card offered by urpay.
            a. “CashbackProgram” is the program that will allow customers to spend on Signature Cardand earns cash according to the eligible Transactions.
            b. “Cashback” meansthe amount that will be credited to Signature Card as set forth in thisdocument or as decided by the urpay
            c. “EligibleTransactions” are all retail transactions, at point of sale or online, chargedto Signature Card, except for the transactions excluded below.
            d. “Misuse” meansthe utilization of Signature card must meet personal spend and not be used forcommercial purposes or in violation of the provisions and regulations of urpayor those established in the Kingdom.
  
  16- 2. Signature Cardholders are eligible to receive “Cashback” which is anaccrued amount earned on eligible transactions as stated in these Terms, basedon what urpay decides in its absolute discretion, and the amount is added tothe Card Account immediately. Subject to the provisions of Clause (16-3) below,
  
  16-3.  Eligible purchases are all purchases through retail points of saleor on electronic purchases, which are made on the Cardholder’s Card, which areas follows:

16-4.urpay is entitled, at any time and with prior notice to the Cardholder in anymanner whatsoever, to terminate the Signature card and/or vary its benefits orfeatures, and/or vary, add to or delete any of the terms and conditionsoutlined herein, and/or modify or limit the value of Cashback awarded, and/orthe manner of which the Cashback is awarded and the Cardholder shall be boundby such variations and amendments. The latest provisions in such connectionwill be available on the urpay website. It is the Cardholders’ responsibilityto ensure that they are apprised of the provisions and any changes thereofrelating to the Card at all times. urpay’s decision on all matters relating tothe Signature Card shall be final and binding on the Cardholder.

16-5. Notwithstanding the above in Clause (16-3), Urpay may from time to timeand at its absolute discretion suspend or disable the Cashback or set a maximumcashback limit or reduce the cashback percentage from the base on transactionsfor selected categories of merchants and/or transactions without prior notice.

16-6. Classification of merchant / Cashback categories will be determined basedon the merchant category code (MCC) published by VISA, and defined by themerchant’s acquiring bank; Acquiring banks are required to follow globalstandards and definitions of merchant classifications as are set forth by theschemes (Visa/MasterCard/AMEX/Diners etc.). urpay cannot be held accountablefor incorrect assignment/segmentation

16-7. urpay will not be responsible for providing Cashback for purchases atmerchant outlets/franchisees that have not registered themselves under the MCCsassigned for each spend category by VISA.

16-8. Misuse of the urpay Signature card to effect fictitious transactionsthrough POS terminals at merchant outlets or through other means shall not beeligible for Cashback also the card must meet personal spend and not be usedfor commercial purposes and urpay has the right to cancel the card andreclaimed the cashback amount.

16-9. Any reversal/part reversal of transactions will result in the withdrawalof Cashback awarded. urpay reserves the right to adjust against Cashback forfuture Eligible transactions or to charge the equivalent value of such Cashbackcredited directly from the Card Account without prior notice.

16-10. Any Cashback accumulated and not credited into the wallet Account willbe cancelled if the Signature Card is:
·     Closed.
·     Not in goodstanding in the opinion of urpay;
·     The Card hasexpired and was not renewed;
·     There has been abreach of the terms and conditions; or
·     Any other event,which, in the sole discretion of urpay should result in the cancellation of theurpay Prepaid Card
·     Any decision aboutwhether spend on purchases qualify as an Eligible Transaction for the purposesof Cashback and/or how spend are classified for each Cashback category shall beat the sole discretion of urpay. Unless otherwise stated, all EligibleTransactions, charged to Signature Card are eligible for Cashback as per thecategories defined above except for the following exclusions transactions:
·     Any fee andcharges related to the card
·     Cash withdrawalsand balance transfers
·     Wallets balance loaded.
·     Charity, paymentsto charity organizations
·     Government payments
·     Sadad payments which are done using urpay wallet
·     Utilities, legal payments, fines and TAX, services.
·     services maintenance, Motorcycles and cars used and new of Sale services
·     Utility bills
·     Petrol services
·     PublicTransportation services
·     Education fees
·     Transactions thaturpay decides are disputed, erroneous, unauthorized, illegal and/or fraudulent.

16-11 This termsand conditions is executed in English and Arabic. In case of discrepancy between Arabic and English, the Arabic shall prevail. Every dispute arising between the parties in connection with this terms and conditions shall bereferred to the competent judicial authority in the kingdom of Saudi Arabia.

16-12 These Terms and Conditions are drafted in both English and Arabic. In the event of a discrepancy between the Arabic and English languages, the Arabic language shall prevail. Any dispute arising between the parties regarding these Terms andConditions shall be referred to the competent judicial authority in the Kingdom of Saudi Arabia.

GENERAL PROVISIONS

• The urpay CardTerms and Conditions shall be read in conjunction with the Urpay CashbackGame Terms and Conditions, both of which will be provided with the cardapplication form.Terms and
  
  Conditions updated on August 7, 2025.