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.
86 live credit cards offers tracked across 14 Saudi providers, with annual fees from 0. Data current as of 20 October 2026 and updated daily from the Giraffy database.
86 live offers compared from 14 providers, from SAR 50. Updated daily.
SAR 0
SAR 0
SAR 0
SAR 0
SAR 0
SAR 0
SAR 0
SAR 0
SAB Advance Visa Platinum from SAB. Monthly Profit Rate: 3.00%; Monthly Min Payment: 5.00%; Supplementary Free Cards: 5; Annual Supplementary Fee: 0.
SAR 0
SAR 0
SAR 0
SAR 0
SAR 0
SAR 0
SAR 0
SAR 0
SAR 0
SAR 0
SAR 0 Annual
SAR 0
SAR 0 Annual
Platinum Credit Card from Emirates NBD KSA. Monthly Profit Rate: 2.99%; Monthly Min Payment: 5.00%; Supplementary Free Cards: 5; Annual Supplementary Fee: 0.
SAR 50
SAR 75
SAR 100
SAR 100
SAR 115
SAR 150
SAR 172.50
SAR 195.50
SAR 200
SAR 200
SAR 200
SAR 200
SAR 230
SAR 250
SAR 250
SAR 250
SAR 250
SAR 250
SAR 275
SAR 287.50
SAR 290
SAR 300
SAR 300
SAR 300
SAR 350
SAR 370
SAR 370
SAR 370
SAR 390
SAR 390
SAR 400
SAR 400
SAR 400
SAR 400
SAR 425.50
SAR 450
SAR 460
SAR 475
SAR 483
SAR 500
SAR 500
SAR 500
SAR 520
SAR 540.50
SAR 600
SAR 647
SAR 700
SAR 700 Annual
SAR 700
anb Mastercard World: Monthly Profit Rate 3.02%; Monthly Min Payment 5.00%; Supplementary Free Cards 5; Annual Supplementary Fee 350.
SAR 750
SAR 750
SAR 800
SAR 850
anb Visa Infinite: Monthly Profit Rate 3.18%; Monthly Min Payment 5.00%; Supplementary Free Cards 5; Annual Supplementary Fee 425.
SAR 862.50
SAR 900
SAR 908.50
SAR 1000
SAR 1000
SAR 1000
AlJazira World Elite Mastercard Credit Card: Monthly Profit Rate 2.50%; Monthly Min Payment 5.00%; Supplementary Free Cards 1; Annual Supplementary Fee 0.
SAR 1035
SAR 1150
SAR 1200
Marriott Bonvoy® Al Rajhi Bank Credit Card is a credit cards offer from Al Rajhi Bank in Saudi Arabia. Key details — Monthly Profit Rate: 2.20%; Monthly Min Payment: 5.00%; Supplementary Free Cards: 2; Annual Supplementary Fee: 75.
SAR 1500
SAR 1950
SAR 3000
World Elite is a credit cards offer from BSF in Saudi Arabia. Key details — Monthly Profit Rate: 2.50%; Monthly Min Payment: 5.00%; Supplementary Free Cards: Yes; Annual Supplementary Fee: 1000.
Giraffy compares 86 credit and charge cards from 14 issuers, including Al Rajhi Bank, Saudi National Bank, SAB, Riyad Bank, Alinma, Bank AlBilad, meem, ANB, BSF and American Express. 18 cards from 7 issuers have no annual fee — among them Al Rajhi Bank's Platinum, Signature and Infinite cards, Alinma's Platinum, Signature and Infinite cards, Bank AlBilad's Tamkeen plus range and meem's Platinum, Signature and Infinite cards. Across all cards the median annual fee is SAR 300, and premium travel cards such as BSF World Elite reach SAR 3,000.
Most Saudi cards are Sharia-compliant and quote a monthly profit rate rather than interest. On the cards listed it ranges from 1.80% a month (Bank AlBilad Tamkeen plus Infinite and Signature) to 3.25% (SAB Visa Platinum); charge cards from Al Rajhi and American Express must be paid in full each month. Prefer cashback? See cashback credit cards. Want to spend only what you load? Compare prepaid cards.
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.
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:
Both conventional and Islamic credit cards have options for earning rewards and managing your money responsibly.
There are several banks in Saudi Arabia that offer credit cards, each with its own benefits. Here are the top providers:
Each bank has different credit cards, so it’s important to pick the one that best fits your lifestyle and needs.
Applying for a credit card is a straightforward process, but there are some requirements you need to meet:
Application Process:
It’s important to compare cards from different banks to see which one offers the best benefits for you.
There are different types of credit cards to suit different lifestyles. These are some of the most common:
Each type of card has its own advantages, so think about what’s most important to you before choosing.
Credit cards can offer several advantages when used responsibly. Here are some key benefits:
These benefits make credit cards a valuable tool for managing your money and enjoying extra perks.
To avoid falling into debt or paying unnecessary fees, it’s important to manage your credit card properly:
Staying on top of these tasks will help you avoid debt and keep your credit in good shape.
Credit card security is very important to protect yourself from fraud. Here are some tips:
By following these security tips, you can keep your card and personal information safe.
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.
Several issuers on Giraffy list cards with no annual fee, including Al Rajhi Bank, Alinma, meem, Bank AlBilad, SAB and Emirates NBD — some at Platinum, Signature and even Infinite tier. Compare 86 cards from 14 issuers and sort by annual fee; check the monthly profit rate too if you might carry a balance.
Most Saudi cards are Sharia-compliant and quote a monthly profit rate instead of interest. Cards listed on Giraffy mostly range from about 1.8% to 3.25% a month on any balance not paid in full by the due date. Charge cards require the full balance every month, so they list a 0% profit rate.
Yes — most banks let you apply through their app or website with your National ID or Iqama, salary details and a SIMAH credit check. Each card on this page links straight to the issuer's own application page.
Minimum score requirements vary by card and issuer. In Saudi Arabia, scores are reported by SIMAH. Premium rewards and travel cards typically require a good-to-excellent score, while secured or entry-level cards are available with lower or no credit history. Checking eligibility with a soft search won't affect your score.
Giraffy tracks 86 credit cards across 14 banks in Saudi Arabia. Use the 'No Foreign Fees' filter on the card detail to find cards that don't charge for overseas spending — useful if you travel or shop in foreign currencies online.
A balance transfer moves your existing credit card debt to a new card, often at 0% interest for an introductory period. You typically pay a one-off transfer fee (1–3%). If you can repay the balance before the 0% period ends, you save on interest — check the revert rate carefully.
Rewards cards earn points, miles, or cashback on every purchase. Cashback is the simplest — a percentage of spending returned as cash. Points and miles can be worth more if redeemed for flights or hotels, but require more active management. Annual fees are often offset if you spend above a certain threshold.
If you pay your full statement balance by the due date each month, you pay zero interest. Interest only applies to carried balances, cash advances, or missed payments. The representative APR shown on each card covers all standard purchase interest — compare APRs when choosing a card you might not always pay off in full.
Your credit limit is the maximum you're allowed to borrow at any time. Your available balance is what's left after deducting current transactions. Staying well below your limit — ideally under 30% — helps maintain a healthy credit utilisation ratio, which is a key factor in your credit score.