Compare Credit Cards for Saudi Arabia - September 2025
Find the Best Credit Cards in Saudi Arabia – Compare rewards, cashback, fees, and profit rates from leading banks to choose the perfect card for your lifestyle. Explore exclusive offers and benefits tailored to your financial needs.
Updated on 18 September 2025
87 results available
SAIB
Visa Infinite Credit Card
Monthly Profit Rate
2.49%
Reward Rate
Domestic
2.50
points / SAR
GCC & Europe
2.50
points / SAR
International
5.00
points / SAR
Welcome Bonus
None
International Transaction Fees
2.75%
Cash Withdrawal Fee (SAR)
75.00
Price
800
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
SAB
Visa Signature Credit Card
Monthly Profit Rate
3.00%
Reward Rate
Domestic & EU
0.125
points / SAR
International
0.15
points / SAR
Welcome Bonus
None
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00%
Maximum Fee: 75 SAR
Price
0
475
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
SAB
SAB AlFursan Black Mastercard Credit Card
Monthly Profit Rate
3.00%
Reward Rate
Domestic
0.40
miles / SAR
International
1.00
miles / SAR
Welcome Bonus
30,000 miles
upon SAR 1,000 of spend within 90 days
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00%
Maximum Fee: 75 SAR
Price
0
1,950
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
SAB
SAB Premier Mastercard Credit Card
Monthly Profit Rate
2.39%
Reward Rate
Domestic & EU
0.15
points / SAR
International
0.175
points / SAR
Welcome Bonus
None
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00%
Maximum Fee: 75 SAR
Price
0
0
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
SAB
SAB Advance Visa Platinum
Monthly Profit Rate
3.00%
Reward Rate
Domestic & EU
0.10
points / SAR
International
0.125
points / SAR
Welcome Bonus
None
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00%
Maximum Fee: 75 SAR
Price
0
0
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
SAB
SAB Platinum Mastercard Credit Card
Monthly Profit Rate
3.25%
Reward Rate
Domestic & EU
0.10
points / SAR
International
0.125
points / SAR
Welcome Bonus
None
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00%
Maximum Fee: 75 SAR
Price
0
400
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
SAB
SAB Visa Platinum Credit Card
Monthly Profit Rate
3.25%
Reward Rate
Domestic & EU
0.10
points / SAR
International
0.125
points / SAR
Welcome Bonus
None
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00%
Maximum Fee: 75 SAR
Price
0
400
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Saudi National Bank
Alahli Mastercard Credit Card - Titanium
Monthly Profit Rate
2.95%
Reward Rate
Local
1.00
points / SAR
International
1.50
points / SAR
Welcome Bonus
None
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00%
Maximum Fee: 75 SAR
Price
0
400
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Saudi National Bank
Alahli Mastercard Credit Card - Platinum
Monthly Profit Rate
2.70%
Reward Rate
Local
1.50
points / SAR
International
2.00
points / SAR
Welcome Bonus
None
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00%
Maximum Fee: 75 SAR
Price
0
600
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Saudi National Bank
Alahli Wessam Gold Mastercard Credit Card - World
Monthly Profit Rate
2.95%
Reward Rate
Local
2.00
points / SAR
International
2.50
points / SAR
Welcome Bonus
None
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00%
Maximum Fee: 75 SAR
Price
0
1,000
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Saudi National Bank
Flexi Mastercard Credit Card
Monthly Profit Rate
0.00%
Reward Rate
None
Welcome Bonus
None
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00%
Maximum Fee: 75 SAR
Price
0
0
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Alinma
Signature Credit Card
Monthly Profit Rate
1.90%
From 1.90% to 3.00% (as per the signed contract)
Reward Rate
Local
5.00
points / SAR
International
7.00
points / SAR
Welcome Bonus
None
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00%
Maximum Fee: 75 SAR
Price
0
0
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Alinma
Platinum Credit Card
Monthly Profit Rate
1.90%
From 1.90% to 3.00% (as per the signed contract)
Reward Rate
Local
4.00
points / SAR
International
6.00
points / SAR
Welcome Bonus
None
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00%
Maximum Fee: 75 SAR
Price
0
0
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Alinma
Infinite Charge Card
Monthly Profit Rate
1.90%
Reward Rate
Local
3.00
points / SAR
International
4.00
points / SAR
Welcome Bonus
None
International Transaction Fees
1.15%
Cash Withdrawal Fee (SAR)
6.50
Price
250
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Alinma
Signature Charge Card
Monthly Profit Rate
2.50%
Reward Rate
Local
2.00
points / SAR
International
3.00
points / SAR
Welcome Bonus
None
International Transaction Fees
1.15%
Cash Withdrawal Fee (SAR)
6.50
Price
250
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Alinma
Platinum Charge Card
Monthly Profit Rate
2.50%
Reward Rate
Local
1.00
points / SAR
International
2.00
points / SAR
Welcome Bonus
None
International Transaction Fees
1.15%
Cash Withdrawal Fee (SAR)
6.50
Price
250
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Alinma
Gold Charge Card
Monthly Profit Rate
2.50%
Reward Rate
Local
1.00
points / SAR
International
1.00
points / SAR
Welcome Bonus
None
International Transaction Fees
1.15%
Cash Withdrawal Fee (SAR)
6.50
Price
250
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Alinma
Classic Charge Card
Monthly Profit Rate
2.50%
Reward Rate
Local
1.00
points / SAR
International
1.00
points / SAR
Welcome Bonus
None
International Transaction Fees
1.15%
Cash Withdrawal Fee (SAR)
6.50
Price
250
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
BSF
VISA Platinum Islamic
Monthly Profit Rate
2.50%
Reward Rate
Domestic & EU
1.00
points / SAR
International
1.50
points / SAR
Welcome Bonus
None
International Transaction Fees
2.70%
Cash Withdrawal Fee (SAR)
75.00
Price
400
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
BSF
World Elite
Monthly Profit Rate
2.50%
Reward Rate
Domestic & EU
1.50
points / SAR
International
2.00
points / SAR
Welcome Bonus
None
International Transaction Fees
2.70%
Cash Withdrawal Fee (SAR)
75.00
Price
3,000
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
SAIB
Visa Platinum Credit Card
Monthly Profit Rate
2.49%
Reward Rate
Domestic
1.50
points / SAR
GCC & Europe
1.50
points / SAR
International
2.50
points / SAR
Welcome Bonus
None
International Transaction Fees
2.75%
Cash Withdrawal Fee (SAR)
75.00
Price
300
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
American Express
The American Express Platinum Card®
Monthly Profit Rate
N/A
Reward Rate
All spend
0.25
points / SAR
Welcome Bonus
25,000 points
upon USD 3,000 of spend within 90 days
International Transaction Fees
2.75%
Cash Withdrawal Fee (SAR)
86.25
Price
1,150
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Meem
meem Platinum Credit Card
Monthly Profit Rate
2.75%
Reward Rate
Domestic
1.00
points / SAR
International
1.50
points / SAR
Welcome Bonus
None
International Transaction Fees
2.75%
Cash Withdrawal Fee (SAR)
75.00
Price
0
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
ANB
anb Visa Platinum
Monthly Profit Rate
2.59%
Reward Rate
Domestic
1.20
points / SAR
International
1.80
points / SAR
Welcome Bonus
No
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00%
Maximum Fee: 75 SAR
Price
0
300
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
ANB
anb Mastercard World
Monthly Profit Rate
3.02%
Reward Rate
Domestic
1.50
points / SAR
International
2.50
points / SAR
Welcome Bonus
None
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00%
Maximum Fee: 75 SAR
Price
0
700
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
ANB
anb Mastercard Platinum
Monthly Profit Rate
2.63%
Reward Rate
Domestic
1.50
points / SAR
International
2.00
points / SAR
Welcome Bonus
None
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00%
Maximum Fee: 75 SAR
Price
0
350
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
ANB
anb Visa Infinite
Monthly Profit Rate
3.18%
Reward Rate
Domestic
2.00
points / SAR
International
2.50
points / SAR
Welcome Bonus
None
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00%
Maximum Fee: 75 SAR
Price
0
850
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
ANB
anb Mastercard Titanium
Monthly Profit Rate
2.47%
Reward Rate
Domestic
1.00
points / SAR
International
1.50
points / SAR
Welcome Bonus
None
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00%
Maximum Fee: 75 SAR
Price
0
200
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
ANB
anb Visa Signature
Monthly Profit Rate
2.79%
Reward Rate
Domestic
1.50
points / SAR
International
2.30
points / SAR
Welcome Bonus
None
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00%
Maximum Fee: 75 SAR
Price
0
450
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Bank Aljazira
Bank AlJazira Multi-Currency card
Monthly Profit Rate
2.20%
Reward Rate
None
Welcome Bonus
None
International Transaction Fees
2.75%
Cash Withdrawal Fee (SAR)
35.00
Price
75
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Meem
meem Signature Credit Card
Monthly Profit Rate
2.25%
Reward Rate
Domestic
1.50
points / SAR
International
2.00
points / SAR
Welcome Bonus
None
International Transaction Fees
2.75%
Cash Withdrawal Fee (SAR)
75.00
Price
0
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Nayifat
Nayifat Classic Card
Monthly Profit Rate
2.99%
Reward Rate
None
Welcome Bonus
None
International Transaction Fees
1.50%
Cash Withdrawal Fee (SAR)
40.00
Price
0
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
American Express
The American Express Platinum Credit Card
Monthly Profit Rate
2.75%
Reward Rate
All spend
0.25
points / SAR
Welcome Bonus
None
International Transaction Fees
2.75%
Cash Withdrawal Fee (SAR)
86.25
Price
1,035
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
American Express
The American Express Gold Card
Monthly Profit Rate
0.00%
Reward Rate
All spend
0.25
points / SAR
Welcome Bonus
SAR 1,000 vouchers
from Saco, Damas, aDawliah, Giordano, Abousafi, and ETRE.
International Transaction Fees
2.75%
Cash Withdrawal Fee (SAR)
86.25
Price
908.50
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
American Express
The American Express Green Card
Monthly Profit Rate
2.75%
Reward Rate
All spend
0.25
points / SAR
Selected Merchants
0.50
points / SAR
Welcome Bonus
15,000 points
Upon SAR 7,500 spend within 90 days
International Transaction Fees
2.75%
Cash Withdrawal Fee (SAR)
86.25
Price
647
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
American Express
The American Express Gold Credit Card
Monthly Profit Rate
2.75%
Reward Rate
All spend
0.25
points / SAR
Welcome Bonus
SAR 1,000 vouchers
from Saco, Damas, aDawliah, Giordano, Abousafi, and ETRE.
International Transaction Fees
2.75%
Cash Withdrawal Fee (SAR)
86.25
Price
460
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
American Express
The American Express Blue Card
Monthly Profit Rate
2.75%
Reward Rate
All spend
0.25
points / SAR
Welcome Bonus
SAR 1,000 vouchers
from Saco, Damas, aDawliah, Giordano, Abousafi, and ETRE.
International Transaction Fees
2.75%
Cash Withdrawal Fee (SAR)
86.25
Price
230
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
ANB
anb Visa Platinum low-limit
Monthly Profit Rate
2.40%
Reward Rate
None
Welcome Bonus
None
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00%
Maximum Fee: 75 SAR
Price
0
172.50
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
ANB
anb Visa low-limit
Monthly Profit Rate
2.49%
Reward Rate
None
Welcome Bonus
None
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00%
Maximum Fee: 75 SAR
Price
0
115
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
SAIB
“EasyShopping” Card
Monthly Profit Rate
0.00%
Reward Rate
Domestic
0.25
points / SAR
GCC & Europe
0.25
points / SAR
International
0.33
points / SAR
Welcome Bonus
None
International Transaction Fees
2.75%
Cash Withdrawal Fee (SAR)
22.00
Price
100
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
SAIB
Visa Signature Credit Card
Monthly Profit Rate
2.49%
Reward Rate
Domestic
2.00
points / SAR
GCC & Europe
2.00
points / SAR
International
4.50
points / SAR
Welcome Bonus
None
International Transaction Fees
2.75%
Cash Withdrawal Fee (SAR)
75.00
Price
500
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Alinma
Purchase Card
Monthly Profit Rate
N/A
Reward Rate
None
Welcome Bonus
None
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00%
Maximum fee: 75 SAR
Price
0
100
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Saudi National Bank
Alahli Wessam Platinum Mastercard Credit Card - World
Monthly Profit Rate
2.95%
Reward Rate
Local
2.00
points / SAR
International
2.50
points / SAR
Welcome Bonus
None
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00%
Maximum Fee: 75 SAR
Price
0
1,500
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
American Express
The American Express® Business Credit Card
Monthly Profit Rate
2.75%
Reward Rate
All spend
0.25
points / SAR
Welcome Bonus
None
International Transaction Fees
2.75%
Cash Withdrawal Fee (SAR)
86.25
Price
520
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Al Rajhi Bank
Classic Charge Credit Card
Monthly Profit Rate
0.00%
Reward Rate
Domestic
1.00
points / SAR
International
2.00
points / SAR
Welcome Bonus
None
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00% Maximum Fee:
18
Price
370
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Al Rajhi Bank
Marriott Bonvoy® Al Rajhi Bank Credit Card
Monthly Profit Rate
2.20%
Reward Rate
Domestic
1.50
points / SAR
International
3.50
points / SAR
Hotels & resorts participating in Marriott Bonvoy
6.00
points / SAR
Welcome Bonus
180,000
upon SAR 30,000 of cumulative spend within 90 days
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00% Maximum Fee:
75.00
Price
1,200
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Riyad Bank
Visa Signature Islamic
Monthly Profit Rate
2.50%
Reward Rate
Hassad Rewards
Welcome Bonus
200 points
upon activating
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00% Maximum Fee:
75.00
Price
500
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Riyad Bank
Titanium Islamic Mastercard Credit Card
Monthly Profit Rate
2.55%
Reward Rate
Hassad Rewards
Welcome Bonus
420 points
upon SAR 5,000 of spend within 90 days
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00% Maximum Fee:
75.00
Price
290
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Riyad Bank
Mastercard Platinum Islamic
Monthly Profit Rate
2.55%
Reward Rate
Hassad Rewards
Welcome Bonus
200 points
upon activating
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00% Maximum Fee:
75.00
Price
390
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Riyad Bank
Mastercard World Elite Islamic
Monthly Profit Rate
2.20%
Reward Rate
Hassad Rewards
Welcome Bonus
500 points
upon activating
International Transaction Fees
1.90%
Cash Withdrawal Fee (SAR)
3.00% Maximum Fee:
75.00
Price
1,500
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Riyad Bank
Mastercard World Islamic
Monthly Profit Rate
2.35%
Reward Rate
Hassad Rewards
Welcome Bonus
500 points
upon activating
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00% Maximum Fee:
75.00
Price
750
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Riyad Bank
Visa Platinum Islamic
Monthly Profit Rate
2.55%
Reward Rate
Hassad Rewards
Welcome Bonus
850 points
upon SAR 8,000 of spend within 90 days
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00% Maximum Fee:
75.00
Price
390
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Alinma
Infinite Credit Card
Monthly Profit Rate
1.90%
From 1.90% to 3.00% (as per the signed contract)
Reward Rate
Local
6.00
points / SAR
International
7.00
points / SAR
Welcome Bonus
30,000 points
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00%
Maximum Fee: 75 SAR
Price
0
0
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
BSF
VISA Infinite Islamic
Monthly Profit Rate
3.00%
Reward Rate
Domestic & EU
1.50
points / SAR
International
2.0
points / SAR
Welcome Bonus
None
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00% Maximum Fee:
75.00
Price
1,000
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
BSF
VISA Signature Islamic
Monthly Profit Rate
3.00%
Reward Rate
Domestic & EU
1.00
points / SAR
International
2.00
points / SAR
Welcome Bonus
None
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
75.00
Price
750
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
American Express
Marriott Bonvoy® American Express® Credit Card
Monthly Profit Rate
2.75%
Reward Rate
Marriott Bonvoy
1.33
points / SAR
International (exc. SAR & USD)
0.80
points / SAR
USD or SAR spend
0.50
points / SAR
Welcome Bonus
50,000 points
Upon SAR 12,000 spend within 90 days
International Transaction Fees
2.75%
Cash Withdrawal Fee (SAR)
86.25
Price
862.50
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Al Rajhi Bank
Infinite Charge Credit Card
Monthly Profit Rate
0.00%
Reward Rate
Domestic
3.00
points / SAR
International
5.00
points / SAR
Welcome Bonus
150,000 points
upon SAR 25,000 of spend within 90 days
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00% Maximum Fee:
18
Price
370
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Al Rajhi Bank
Infinite Credit Card
Monthly Profit Rate
2.20%
Reward Rate
Domestic
3.00
points / SAR
International
5.00
points / SAR
Welcome Bonus
150,000 points
upon SAR 250,00 spend within 90 days
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00% Maximum Fee:
75.00
Price
0
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Al Rajhi Bank
Platinum Charge Credit Card
Monthly Profit Rate
0.00%
Reward Rate
Domestic
1.00
points / SAR
International
4.00
points / SAR
Welcome Bonus
None
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00% Maximum Fee:
18
Price
370
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Al Rajhi Bank
Platinum Credit Card
Monthly Profit Rate
2.20%
Reward Rate
Domestic
1.00
points / SAR
International
4.00
points / SAR
Welcome Bonus
25,000 points
upon SAR 15,000 spend within 90 days
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00% Maximum Fee:
75.00
Price
0
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Al Rajhi Bank
Selective Credit Card
Monthly Profit Rate
2.20%
Reward Rate
Domestic
3.00
points / SAR
International
5.00
points / SAR
Welcome Bonus
75,000 points
upon SAR 25,000 of spend within 90 days
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00% Maximum Fee:
75.00
Price
0
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Al Rajhi Bank
Signature Credit Card
Monthly Profit Rate
2.20%
Reward Rate
Domestic
3.00
points / SAR
International
5.00
points / SAR
Welcome Bonus
75,000 points
upon SAR 250,00 of spend within 90 days
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00% Maximum Fee:
75.00
Price
0
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Saudi National Bank
Global Multi Currency Mastercard Credit Card
Monthly Profit Rate
2.50%
Reward Rate
Local
1.00
points / SAR
International
0.33
points / SAR
Welcome Bonus
None
International Transaction Fees
0.00%
Cash Withdrawal Fee (SAR)
3.00%
Maximum Fee: 75 SAR
Price
0
275
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Meem
meem Infinite Credit Card
Monthly Profit Rate
2.25%
Reward Rate
Domestic
2.00
points / SAR
International
1.75
points / SAR
Welcome Bonus
None
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00% Maximum Fee:
75.00
Price
0
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Bank AlBilad
Infinite Credit Card
Monthly Profit Rate
0.00%
Reward Rate
Domestic
3.00
points / SAR
International
3.00
points / SAR
Welcome Bonus
None
International Transaction Fees
1.15%
Cash Withdrawal Fee (SAR)
3.00% Maximum Fee:
23.00
Price
540.50
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Bank AlBilad
Platinum Credit Card
Monthly Profit Rate
0.00%
Reward Rate
Domestic
1.50
points / SAR
International
1.50
points / SAR
Welcome Bonus
None
International Transaction Fees
1.15%
Cash Withdrawal Fee (SAR)
3.00% Maximum Fee:
23.00
Price
425.50
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Bank AlBilad
Signature Credit Card
Monthly Profit Rate
0.00%
Reward Rate
Domestic
3.00
points / SAR
International
3.00
points / SAR
Welcome Bonus
None
International Transaction Fees
1.15%
Cash Withdrawal Fee (SAR)
3.00% Maximum Fee:
23.00
Price
483
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Bank AlBilad
Silver Credit Card
Monthly Profit Rate
N/A
Reward Rate
Domestic
1.00
points / SAR
International
1.00
points / SAR
Welcome Bonus
None
International Transaction Fees
1.15%
Cash Withdrawal Fee (SAR)
3.00% Maximum Fee:
23.00
Price
195.50
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Bank Aljazira
Ajwaa Infinite Credit Card
Monthly Profit Rate
2.50%
Reward Rate
Domestic
2.75
points / SAR
International
3.50
points / SAR
Welcome Bonus
25,000 points
Upon SAR 1,000 of spend within 45 days
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00% Maximum Fee:
75.00
Price
900
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Bank Aljazira
Ajwaa Plus Credit Card
Monthly Profit Rate
2.90%
Reward Rate
Domestic
1.50
points / SAR
International
2.00
points / SAR
Welcome Bonus
10,000 points
Upon SAR 1,000 of spend within 45 days
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00% Maximum Fee:
75.00
Price
200
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Bank Aljazira
Ajwaa Signature Credit Card
Monthly Profit Rate
2.50%
Reward Rate
Domestic
2.25
points / SAR
International
3.25
points / SAR
Welcome Bonus
20,000 points
Upon SAR 1,000 of spend within 45 days
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00% Maximum Fee:
75.00
Price
500
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Bank Aljazira
AlJazira Platinum Mastercard Credit Card
Monthly Profit Rate
2.90%
Reward Rate
Domestic
1.00
points / SAR
International
1.25
points / SAR
Welcome Bonus
None
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00% Maximum Fee:
75.00
Price
200
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Bank Aljazira
AlJazira World Elite Mastercard Credit Card
Monthly Profit Rate
2.50%
Reward Rate
Domestic
1.25
points / SAR
International
2.00
points / SAR
Welcome Bonus
None
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00% Maximum Fee:
75.00
Price
1,000
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Bank Aljazira
Classic Credit Card
Monthly Profit Rate
2.90%
Reward Rate
Domestic
0.75
points / SAR
International
1.00
points / SAR
Welcome Bonus
None
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00% Maximum Fee:
75.00
Price
150
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Bank Aljazira
Infinite Credit Card
Monthly Profit Rate
2.50%
Reward Rate
Domestic
1.25
points / SAR
International
2.00
points / SAR
Welcome Bonus
None
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00% Maximum Fee:
75.00
Price
700
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Bank Aljazira
Platinum Credit Card
Monthly Profit Rate
2.90%
Reward Rate
Domestic
1.00
points / SAR
International
1.25
points / SAR
Welcome Bonus
None
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00% Maximum Fee:
75.00
Price
200
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Bank Aljazira
Ajwaa Digital Card
Monthly Profit Rate
2.20%
Reward Rate
Domestic
0.50
points / SAR
International
1.00
points / SAR
Welcome Bonus
None
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00% Maximum Fee:
75.00
Price
50
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Bank Aljazira
Ajwaa Platinum Credit Card
Monthly Profit Rate
2.90%
Reward Rate
Domestic
2.00
points / SAR
International
2.75
points / SAR
Welcome Bonus
15,000 points
Upon SAR 1,000 of spend within 45 days
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00% Maximum Fee:
75.00
Price
300
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Bank Aljazira
Tomouh Low Limit Credit Card
Monthly Profit Rate
2.20%
Reward Rate
None
Welcome Bonus
None
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00% Maximum Fee:
75.00
Price
100
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
SAIB
Visa Signature Credit Card
Monthly Profit Rate
2.49%
Reward Rate
Domestic
2.00
points / SAR
GCC & Europe
2.00
points / SAR
International
4.50
points / SAR
Welcome Bonus
None
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00% Maximum Fee:
75.00
Price
500
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Bank AlBilad
Tamkeen plus classic
Monthly Profit Rate
1.80%
Reward Rate
Domestic
2.50
points / SAR
International
3.50
points / SAR
Welcome Bonus
None
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
75.00
Price
287.50
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Bank AlBilad
Tamkeen plus infinite
Monthly Profit Rate
1.80%
Reward Rate
Domestic
5.00
points / SAR
International
6.50
points / SAR
Welcome Bonus
250,000 points
upon activation
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
75.00
Price
0
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Bank AlBilad
Tamkeen plus platinum
Monthly Profit Rate
1.99%
Reward Rate
Domestic
3.50
points / SAR
International
4.50
points / SAR
Welcome Bonus
15,000 points
upon SAR 10,000 spend within 60 days
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00% Maximum Fee:
86.25
Price
0
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Bank AlBilad
Tamkeen plus signature
Monthly Profit Rate
1.80%
Reward Rate
Domestic
5.00
points / SAR
International
6.50
points / SAR
Welcome Bonus
75,000 points
upon activation
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00% Maximum Fee:
86.25
Price
0
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Emirates NBD KSA
Infinite Credit Card
Monthly Profit Rate
2.99%
Reward Rate
All spend
1.00
points / SAR
Welcome Bonus
None
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00% Maximum Fee:
75
Price
700
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Emirates NBD KSA
Platinum Credit Card
Monthly Profit Rate
2.99%
Reward Rate
All spend
1.00
points / SAR
Welcome Bonus
None
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00% Maximum Fee:
75
Price
0
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Emirates NBD KSA
Platinum Plus Credit Card
Monthly Profit Rate
2.99%
Reward Rate
All spend
1.00
points / SAR
Welcome Bonus
None
International Transaction Fees
2.00%
Cash Withdrawal Fee (SAR)
3.00% Maximum Fee:
75
Price
0
Extras
Travel Insurance
Airport Lounge Access
Concierge Service
Select Merchant Discounts
Introduction: Understanding Credit Cards in Saudi Arabia
Credit cards are an important tool for managing money, making purchases, and earning rewards. In Saudi Arabia, there are many different credit card options to choose from, each with its own features. This guide will help you understand how credit cards work, how to apply, and how to use them wisely.
What is a Credit Card?
A credit card allows you to borrow money from the bank to make purchases, which you pay back later. If you don’t pay the full amount by the due date, you will have to pay interest or a profit rate, depending on the type of card. Key features of credit cards include:
- Credit limit: The maximum amount you can borrow.
- APR (Annual Percentage Rate): The interest rate on the balance you don’t pay off.
- Profit Rate: For Islamic credit cards, this replaces traditional interest with a Sharia-compliant profit-sharing system.
- Grace period: The time you have to pay back purchases without being charged interest or profit.
- Rewards programs: Some credit cards offer rewards like points, cashback, or travel miles for using the card.
Both conventional and Islamic credit cards have options for earning rewards and managing your money responsibly.
Top Credit Card Providers in Saudi Arabia
There are several banks in Saudi Arabia that offer credit cards, each with its own benefits. Here are the top providers:
- Al Rajhi Bank: Offers a variety of Islamic credit cards with Sharia-compliant profit rates.
- Saudi National Bank (SNB): Provides cards with rewards programs and travel benefits.
- Riyad Bank: Known for offering different types of cards for various needs.
- SABB (Saudi British Bank): Offers cards with international perks, great for travelers.
- Alinma Bank: Specializes in Sharia-compliant credit cards with profit rates instead of interest.
Each bank has different credit cards, so it’s important to pick the one that best fits your lifestyle and needs.
How to Apply for a Credit Card in Saudi Arabia
Applying for a credit card is a straightforward process, but there are some requirements you need to meet:
- Requirements:
- Must be a Saudi citizen or have a valid residency permit (Iqama).
- Be at least 18-21 years old (depending on the bank).
- Show proof of income or employment.
- Have a good credit history.
Application Process:
- Choose a bank and a card that fits your needs.
- Collect documents like your ID, proof of income, and Iqama.
- Apply online through the bank's website or visit a branch.
- Wait 1-2 weeks for approval.
- Once approved, activate your card and start using it.
It’s important to compare cards from different banks to see which one offers the best benefits for you.
Types of Credit Cards in Saudi Arabia
There are different types of credit cards to suit different lifestyles. These are some of the most common:
- Rewards Cards: Earn points on your purchases that can be redeemed for travel, shopping, or other rewards.
- Cashback Cards: Get a percentage of your spending back in cash.
- Travel Cards: Perfect for frequent travelers, offering air miles, hotel stays, and other travel perks.
- Islamic Credit Cards: Sharia-compliant cards that follow Islamic financial rules and offer profit rates instead of traditional interest.
- Business Credit Cards: Designed for companies to manage expenses and offer special benefits for business owners.
Each type of card has its own advantages, so think about what’s most important to you before choosing.
Benefits of Using a Credit Card
Credit cards can offer several advantages when used responsibly. Here are some key benefits:
- Build credit history: Using your card and paying on time helps build your credit score.
- Convenient for online and international purchases: Accepted almost everywhere, making shopping easier.
- Earn rewards and cashback: You can earn points or cashback for every purchase.
- Travel insurance and purchase protection: Many cards offer insurance for travel or extra protection for big purchases.
- Emergency cash access: You can withdraw cash from ATMs in case of emergencies.
These benefits make credit cards a valuable tool for managing your money and enjoying extra perks.
Managing Your Credit Card Wisely
To avoid falling into debt or paying unnecessary fees, it’s important to manage your credit card properly:
- Checking Your Balance:
- Use the bank's mobile app or online banking.
- Call the customer service number on the back of your card.
- Check your balance at an ATM.
- Making Payments:
- Set up automatic payments to avoid missing due dates.
- Pay through the bank’s mobile app or website.
- Visit a bank branch or use an ATM.
- Avoiding Common Pitfalls:
- Always pay your full balance to avoid interest or profit charges.
- Don’t go over your credit limit to avoid extra fees.
- Regularly review your statements to check for any unauthorized charges.
Staying on top of these tasks will help you avoid debt and keep your credit in good shape.
Credit Card Security Tips
Credit card security is very important to protect yourself from fraud. Here are some tips:
- Keep your PIN and card details private: Never share your card information with anyone.
- Use secure websites: Only shop on trusted websites to avoid scams.
- Set up transaction alerts: Get notified about every transaction for better monitoring.
- Report lost or stolen cards immediately: Contact your bank if your card is lost or stolen to avoid any unauthorized charges.
By following these security tips, you can keep your card and personal information safe.
Conclusion: Making the Most of Your Credit Card
Credit cards can be a great financial tool if you use them wisely. By picking the right card, paying off your balance on time, and using the rewards and benefits, you can make the most of your credit card. Be sure to compare cards from different banks and understand the terms before making a decision.
Frequently Asked Questions
- What is the APR on a credit card?
The APR is the yearly interest rate charged on unpaid balances. It varies by card and bank. - What is the profit rate on credit cards?
The profit rate is a Sharia-compliant alternative to interest. It’s based on profit-sharing agreements between you and the bank. - Can I pay one credit card with another?
It’s possible but not recommended. It can lead to more debt, so it’s better to pay directly from your bank account. - How do I activate my credit card?
You can activate your card by calling the bank or using the mobile app. - Can I use my Saudi credit card internationally?
Yes, most Saudi credit cards work internationally, but it’s a good idea to inform your bank before you travel. - How can I increase my credit limit?
After using your card responsibly for 6-12 months, you can request a credit limit increase from your bank.