Compare cashback caps and category restrictions — many cards limit cashback to specific merchants or impose a monthly maximum that makes the headline rate misleading for high spenders.
25 live cashback credit cards offers tracked across 11 Saudi providers, with annual fees from 0. Data current as of 23 October 2026 and updated daily from the Giraffy database.
25 live offers compared from 11 providers, from SAR 100. Updated daily.
SAR 0
SAR 0
SAR 0
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SAR 0
Nayifat Rewards Card is a cashback credit cards offer from Nayifat in Saudi Arabia. Key details — Monthly Profit Rate: 2.99%; Monthly Min Payment: 5.00%; Supplementary Free Cards: 0; Annual Supplementary Fee: 100.
SAR 0
Titanium Credit Card: Monthly Profit Rate 2.75%; Monthly Min Payment 5.00%; Supplementary Free Cards 0; Annual Supplementary Fee 100.
SAR 0
World Credit Card: Monthly Profit Rate 2.25%; Monthly Min Payment 5.00%; Supplementary Free Cards 0; Annual Supplementary Fee 100.
SAR 100
SAR 200
SAR 200
SAR 200
SAR 250
SAR 287.50 Annual
SAR 300
Al-Hilal Mastercard Platinum Cashbasck Credit Card
SAR 300
SAR 375 /month
SAR 399
SAR 400 /year
SAR 450
SAR 500
SAR 500
SAR 500 /year
SAR 600
SAR 1500
SAR 3000
Giraffy compares 25 cashback credit cards from 11 issuers, including Saudi National Bank (Al Ahli), Al Rajhi Bank, Riyad Bank, SAB, ANB, BSF, SAIB, Emirates NBD, Emkan, Nayifat and Tasheel. Six list no annual fee — the SAB Visa Cashback card, Alahli Cashback Mastercard, the UEFA Champions League Mastercard, Nayifat Platinum, and Tasheel's World and Titanium cards. The typical annual fee is around SAR 250, rising to SAR 3,000 for Riyad Bank's Al-Hilal World Elite.
The best card depends on where you spend: Nayifat Platinum pays 3% on groceries, Emirates NBD's Mazeed Platinum 5% on school and education fees, Tasheel World 2.25% on international spend, and the highest headline rates (10% on SAB, Riyad Bank and SAIB cards) come with spend thresholds and caps. Monthly profit rates run from 2.20% to 4.11%, so cashback pays off only if you clear the balance each month. Prefer flights or points? Compare airline miles credit cards or all credit cards.
In the ever-evolving financial landscape of Saudi Arabia, cashback credit cards have emerged as a popular choice for savvy consumers looking to get more value from their everyday spending. This comprehensive guide will explore the world of cashback credit cards available in the Kingdom, helping you choose the best card for your needs and maximize your returns.
Cashback credit cards are a type of rewards credit card that returns a percentage of your spending back to you in the form of cash or statement credits. This straightforward rewards system allows cardholders to earn money on their purchases, effectively providing a discount on everything they buy.
Cashback credit cards offer a straightforward way to earn rewards on your everyday spending in Saudi Arabia. By choosing the right card that aligns with your spending habits and using it strategically, you can significantly boost your returns and effectively save money on all your purchases.
Remember to compare different card options, read the terms and conditions carefully, and always use your credit card responsibly. With the right approach, a cashback credit card can be a valuable financial tool, putting money back in your pocket with every purchase.
Profit rates can vary widely between cards and banks. It's best to check with the specific card issuer for current rates.
This depends on the specific card. Some cards offer flexibility in how you use your rewards, while others are strictly cash back.
Some cards have caps on how much cashback you can earn overall or in specific categories. Check your card's terms for details.
Redemption policies vary by card. Some automatically credit your account monthly, while others allow you to redeem anytime after reaching a minimum amount.
It depends on where you spend. Giraffy compares 25 cashback cards from 11 issuers: Riyad Bank's Al-Hilal cards and ANB's Cashback Digital Card pay on online and international spend, the Nayifat Platinum Card pays 3% on groceries, and Emirates NBD's Mazeed Platinum pays 5% on school and education fees. Compare the cashback rate and its cap against the annual fee.
Cards listing a SAR 0 annual fee include the SAB Visa Cashback Credit Card, Saudi National Bank's Alahli Cashback Mastercard and UEFA Champions League Mastercard (2% cashback once purchases reach SAR 10,000), the Nayifat Platinum Card, and Tasheel's World and Titanium credit cards.
The highest headline rate listed is 10%, always with conditions and a cap: the SAB Visa Cashback card (preferred categories), Riyad Bank's Visa Signature Cashback Islamic (monthly spend over SAR 15,000, capped at SAR 1,000) and SAIB's Platinum Cashback card (SAR 15,000+ spend). For a flat rate on everything, Emkan's Classic Card lists 0.60% on all spend.
Look at cashback on international spend. Tasheel's World Credit Card lists 2.25% with no annual fee, and Emkan's Platinum Card lists 2% plus free access to more than 25 airport lounges for SAR 500 a year. If you would rather earn flights, compare airline miles credit cards instead.
Monthly profit rates on the cashback cards listed range from 2.20% (Al Rajhi Bank Cashback Plus) to 4.11% (Riyad Bank Al-Hilal World Elite). Cashback rarely covers the profit charged on a carried balance, so these cards suit people who pay the full statement every month.
Most are. Examples from the cards listed: Saudi National Bank's Cashback Premium pays 5% on groceries up to SAR 200, Al Rajhi Bank's Cashback Plus Platinum pays 2% on online shopping up to SAR 50, and Riyad Bank's Visa Signature Cashback Islamic caps at SAR 1,000. Check the cap on each card before comparing headline rates.