Arab Bank review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Arab Bank suits people who want a plain cost tool: a Visa card with an annual fee of JOD 0 and a rewards type of none. It is a single market bank offering both a credit card and a debit card, so the trade off is price against perks.
Key facts
- Best for
- An annual fee of JOD 0 Visa card for everyday spending.
- Annual fee
- JOD 0 (Source, checked September 26, 2026)
- Currency conversion fee
- 2% to 3% (Source, checked September 26, 2026)
- Rewards type
- None (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- Arab Bank PLC (Source, checked September 26, 2026)
- Headquarters
- Jordan (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Official website
- arabbank.com
Debit cards
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- The credit card carries an annual fee of JOD 0, so there is no cost to holding it.
- Cards run on the visa network, the choice of 58.6% of the cards on the site.
- Two cards come from the same lender, a credit card with a card kind of credit and a debit card with a card type of debit.
Cons
- Nothing comes back on spending, with the rewards type listed as none.
- Currency conversion charges 2% to 3%, above the 1.85% seen across credit cards in this group.
- Everything comes from a single bank in a single market: the Arab Bank PLC group is headquartered in Jordan.
Who it suits
- People who want a visa card without an annual fee, since the credit card's annual fee is JOD 0.
- Anyone who treats the card as a cost tool and does not chase rewards, given the rewards type is none.
- Customers who bank with Arab Bank in Jordan and want both a credit card and a debit card, with a card kind of credit and a card type of debit.
Who should look elsewhere
- Wise, for people who pay often in other currencies and want a lower conversion charge than 2% to 3%.
- Chime Card (Secured Visa Credit Card), for anyone who wants a secured card rather than a plain credit card from a single market bank.
Fees and currency costs
The credit card carries an annual fee of JOD 0, so there is no cost to holding it year on year. The cost comes from currency conversion, where fees of 2% to 3% apply on foreign spend. Spend in the bank's home market and the annual fee is the only number that matters.
Who runs it
Arab Bank PLC is the legal entity behind the card, so the credit and debit offering come from the same lender. The head office is in Jordan, which makes this a single market card rather than an account you can hold across several markets. Expect terms to follow the bank's home market rather than a wider currency basket.
How Arab Bank compares
Frequently asked questions
What does the Arab Bank credit card cost each year?+
The annual fee on the credit card is JOD 0, so there is no yearly charge to keep the card in your wallet. The card also sits in the no annual fee model, which makes it a straightforward everyday card rather than a rewards product.
What does it cost to spend in another currency?+
Fees of 2% to 3% apply on foreign currency spend, and that is the main running cost of the card. For a credit card in this group the median conversion charge is 1.85%, so Arab Bank sits above the middle of the market here.
Does spending on the card earn anything?+
No. The rewards type is none, so there is no cashback, points or miles scheme to join and nothing comes back at the end of a billing period. Choose this card for what it costs, not for what it gives back.
Which network does the card run on?+
It runs on visa, the most widely used network among the cards on the site, with 58.6% of them on it. That gives you acceptance wherever that network is taken, which covers most everyday spending and travel.
Is this a credit card or a debit card?+
Both are on offer. The credit card's card kind is credit, while the card type listed for the account is debit. A credit card means you borrow and repay, while a debit card spends the money already sitting in your account.
Who runs Arab Bank and where is it based?+
The legal entity is Arab Bank PLC, and the head office is in Jordan. That makes it a single market bank, so the card and its terms belong to a single home market rather than a group of countries.
Who is this card for?+
It suits people who want a plain visa card with an annual fee of JOD 0 and no rewards to track. If your priority is a cheaper conversion charge abroad, or a secured card, one of the alternatives listed here may serve you better.
Sources
- arabbank.jo/footernavigation/faqs checked September 26, 2026
Backs: Card type, Currency conversion fee, Card network
“Full range of Arab Bank ATM services in the country of issuance are offered to Visa Electron cardholders”
- arabbank.com checked September 26, 2026
Backs: Headquarters
“Arab Bank PLC - Jordan”
- arabbank.com checked September 26, 2026
Backs: Legal entity
“Arab Bank PLC”
- yallacompare.com/jor/en/credit-cards/arab-bank-visa-silve... checked September 26, 2026
Backs: Annual fee, Card kind, Pricing model, Rewards type
“No Annual Fee - The card is Free for Life”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: APR.