Refunds use the original payment method, whether you paid with Tamara, Tabby, mada or a credit card, though some airlines issue credit instead, depending on their policy. Almatar processes refunds in 48 hours, after which banks need between 8 and 15 working days; if it runs beyond that, you are compensated.
Deductions come first: the airline's cancellation charge, the service fee and whatever discount coupon you used. Amounts above SAR 20,000 also lose 2.5% to a bank transfer fee.
Source: Almatar: Refunds for canceled flights and hotels