Compare Credit Cards in Saudi Arabia

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 5 November 2026 and updated daily from the Giraffy database.

Live offers

86 live offers compared from 14 providers, from SAR 50. Updated daily.

Nayifat Classic Card Nayifat

SAR 0

  • Monthly Profit Rate: 2.99%
  • Monthly Min Payment: 5.00%
  • Annual Supplementary Fee: 60
  • Late Payment fees SAR: 100
  • Card Replacement Fees: 75
  • Card Category: Credit Cards
  • Car Rental: No
  • Hotel Extras: No

Infinite Credit Card Alinma

SAR 0

  • Monthly Profit Rate: 1.90% From 1.90% to 3.00% (as per the signed contract)
  • Monthly Min Payment: 5%
  • Supplementary Free Cards: 1
  • Annual Supplementary Fee: 300
  • Late Payment fees SAR: 50
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: Local 6.0 points / SAR

Purchase Card Alinma

SAR 0

  • Monthly Min Payment: 5.00%
  • Annual Supplementary Fee: 50
  • Late Payment fees SAR: 50
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Travel Insurance: No
  • Airport Lounge Access: Yes - Visa Airport Companion
  • Purchase Protection Program: No

Tamkeen plus platinum Bank AlBilad

SAR 0

  • Monthly Profit Rate: 1.99%
  • Monthly Min Payment: 5.00%
  • Late Payment fees SAR: 100
  • Card Replacement Fees: 175
  • Card Category: Credit Cards
  • Reward Rate: Domestic 3.5 points / SAR
  • Reward Rate: International 4.5 points / SAR
  • Car Rental: Yes

Tamkeen plus infinite Bank AlBilad

SAR 0

  • Monthly Profit Rate: 1.80%
  • Monthly Min Payment: 5.00%
  • Late Payment fees SAR: 100
  • Card Replacement Fees: 17.25
  • Card Category: Credit Cards
  • Reward Rate: Domestic 5.0 points / SAR
  • Reward Rate: International 6.5 points / SAR
  • Car Rental: Yes

SAB Premier Mastercard Credit Card SAB

SAR 0

  • Monthly Profit Rate: 2.39%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 5
  • Late Payment fees SAR: 50
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: Domestic & EU 0.15 points / SAR
  • Reward Rate: International 0.175 points / SAR

Flexi Mastercard Credit Card Saudi National Bank

SAR 0

  • Monthly Profit Rate: 0.00%
  • Late Payment fees SAR: 50
  • Card Replacement Fees: 15
  • Card Category: BNPL
  • Travel Insurance: No
  • Airport Lounge Access: No
  • Purchase Protection Program: No
  • Personal Concierge Service: No

meem Platinum Credit Card Meem

SAR 0

  • Monthly Profit Rate: 2.75%
  • Monthly Min Payment: 5.00%
  • Annual Supplementary Fee: 50
  • Late Payment fees SAR: 100
  • Card Replacement Fees: 100
  • Card Category: Credit Cards
  • Reward Rate: Domestic 1.0 points / SAR
  • Reward Rate: International 1.5 points / SAR

meem Signature Credit Card Meem

SAR 0

  • Monthly Profit Rate: 2.25%
  • Monthly Min Payment: 5.00%
  • Annual Supplementary Fee: 100
  • Late Payment fees SAR: 100
  • Card Replacement Fees: 100
  • Card Category: Credit Cards
  • Reward Rate: Domestic 1.5 points / SAR
  • Reward Rate: International 2.0 points / SAR

Alahli Wessam Platinum Mastercard Credit Card - World Saudi National Bank

SAR 0

  • Monthly Profit Rate: 2.95%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 3
  • Annual Supplementary Fee: 750
  • Late Payment fees SAR: 50
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: Local 2.0 points / SAR

Infinite Credit Card Al Rajhi Bank

SAR 0

  • Monthly Profit Rate: 2.20%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 2
  • Late Payment fees SAR: 100
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: Domestic 3.0 points / SAR
  • Reward Rate: International 5.0 points / SAR

Platinum Credit Card Al Rajhi Bank

SAR 0

  • Monthly Profit Rate: 2.20%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 2
  • Annual Supplementary Fee: 50
  • Late Payment fees SAR: 100
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: Domestic 1.0 points / SAR

Signature Credit Card Al Rajhi Bank

SAR 0

  • Monthly Profit Rate: 2.20%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 2
  • Annual Supplementary Fee: 50
  • Late Payment fees SAR: 100
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: Domestic 3.0 points / SAR

Platinum Plus Credit Card Emirates NBD KSA

SAR 0 Annual

  • Monthly Profit Rate: 2.99%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 5
  • Late Payment fees SAR: 50
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: All spend 1.0 points / SAR
  • Car Rental: Yes

Tamkeen plus signature Bank AlBilad

SAR 0

  • Monthly Profit Rate: 1.80%
  • Monthly Min Payment: 5.00%
  • Annual Supplementary Fee: 350
  • Late Payment fees SAR: 100
  • Card Replacement Fees: 350
  • Card Category: Credit Cards
  • Reward Rate: Domestic 5.0 points / SAR
  • Reward Rate: International 6.5 points / SAR

Platinum Credit Card Emirates NBD KSA

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.

  • Monthly Profit Rate: 2.99%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 5
  • Late Payment fees SAR: 50
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: All spend 1.0 points / SAR
  • Car Rental: Yes

SAB Advance Visa Platinum SAB

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.

  • Monthly Profit Rate: 3.00%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 5
  • Late Payment fees SAR: 50
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: Domestic & EU 0.1 points / SAR
  • Reward Rate: International 0.125 points / SAR

meem Infinite Credit Card Meem

SAR 0

meem Infinite Credit Card is a credit cards product from Meem. Key details: Monthly Profit Rate: 2.25%; Monthly Min Payment: 5.00%; Annual Supplementary Fee: 150.

  • Monthly Profit Rate: 2.25%
  • Monthly Min Payment: 5.00%
  • Annual Supplementary Fee: 150
  • Late Payment fees SAR: 50
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: Domestic 2.0 points / SAR
  • Reward Rate: International 1.75 points / SAR

Signature Credit Card Alinma

SAR 0

  • Monthly Profit Rate: 1.90% From 1.90% to 3.00% (as per the signed contract)
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 1
  • Annual Supplementary Fee: 250
  • Late Payment fees SAR: 50
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: Local 5.0 points / SAR

Platinum Credit Card Alinma

SAR 0

  • Monthly Profit Rate: 1.90% From 1.90% to 3.00% (as per the signed contract)
  • Monthly Min Payment: 5%
  • Supplementary Free Cards: 1
  • Annual Supplementary Fee: 100
  • Late Payment fees SAR: 50
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: Local 4.0 points / SAR

Selective Credit Card Al Rajhi Bank

SAR 0

  • Monthly Profit Rate: 2.20%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 2
  • Annual Supplementary Fee: 50
  • Late Payment fees SAR: 100
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: Domestic 3.0 points / SAR

Ajwaa Digital Card Bank Aljazira

SAR 50

  • Monthly Profit Rate: 2.20%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 1
  • Late Payment fees SAR: 100
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: Domestic 0.5 points / SAR
  • Reward Rate: International 1.0 points / SAR

Bank AlJazira Multi-Currency card Bank Aljazira

SAR 75

  • Monthly Profit Rate: 2.20%
  • Monthly Min Payment: 5.00%
  • Annual Supplementary Fee: 75
  • Late Payment fees SAR: 130
  • Card Replacement Fees: 50
  • Card Category: Credit Cards
  • Car Rental: No
  • Hotel Extras: No

Tomouh Low Limit Credit Card Bank Aljazira

SAR 100

  • Monthly Profit Rate: 2.20%
  • Monthly Min Payment: 5.00%
  • Annual Supplementary Fee: 100
  • Late Payment fees SAR: 100
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Car Rental: No
  • Hotel Extras: No

“EasyShopping” Card SAIB

SAR 100

  • Monthly Profit Rate: 0.00%
  • Monthly Min Payment: 5.00%
  • Annual Supplementary Fee: 100
  • Late Payment fees SAR: 100
  • Card Replacement Fees: 50
  • Card Category: Credit Cards
  • Reward Rate: Domestic 0.25 points / SAR
  • Reward Rate: GCC & Europe 0.25 points / SAR

anb Visa low-limit ANB

SAR 115

  • Monthly Profit Rate: 2.49%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 5
  • Annual Supplementary Fee: 57.5
  • Late Payment fees SAR: 50
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Car Rental: No

Classic Credit Card Bank Aljazira

SAR 150

  • Monthly Profit Rate: 2.90%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 1
  • Late Payment fees SAR: 100
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: Domestic 0.75 points / SAR
  • Reward Rate: International 1.0 points / SAR

anb Visa Platinum low-limit ANB

SAR 172.50

  • Monthly Profit Rate: 2.40%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 5
  • Annual Supplementary Fee: 86.25
  • Late Payment fees SAR: 50
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Car Rental: Yes - Avis

Silver Credit Card Bank AlBilad

SAR 195.50

  • Monthly Min Payment: Full Payment
  • Annual Supplementary Fee: 57.5
  • Late Payment fees SAR: 100
  • Card Replacement Fees: 17.25
  • Card Category: Credit Cards
  • Reward Rate: Domestic 1.0 points / SAR
  • Reward Rate: International 1.0 points / SAR
  • Car Rental: Yes

anb Mastercard Titanium ANB

SAR 200

  • Monthly Profit Rate: 2.47%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 5
  • Annual Supplementary Fee: 100
  • Late Payment fees SAR: 50
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: Domestic 1.0 points / SAR

Ajwaa Plus Credit Card Bank Aljazira

SAR 200

  • Monthly Profit Rate: 2.90%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 1
  • Late Payment fees SAR: 100
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: Domestic 1.5 points / SAR
  • Reward Rate: International 2.0 points / SAR

AlJazira Platinum Mastercard Credit Card Bank Aljazira

SAR 200

  • Monthly Profit Rate: 2.90%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 1
  • Late Payment fees SAR: 100
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: Domestic 1.0 points / SAR
  • Reward Rate: International 1.25 points / SAR

Platinum Credit Card Bank Aljazira

SAR 200

  • Monthly Profit Rate: 2.90%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 1
  • Late Payment fees SAR: 100
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: Domestic 1.0 points / SAR
  • Reward Rate: International 1.25 points / SAR

The American Express Blue Card American Express

SAR 230

  • Monthly Profit Rate: 2.75%
  • Monthly Min Payment: 5.00%
  • Annual Supplementary Fee: 100
  • Late Payment fees SAR: 100
  • Card Category: Credit Cards
  • Reward Rate: All spend 0.25 points / SAR
  • Car Rental: No
  • Hotel Extras: No

Infinite Charge Card Alinma

SAR 250

  • Monthly Profit Rate: 1.90%
  • Monthly Min Payment: Full Payment
  • Annual Supplementary Fee: 100
  • Late Payment fees SAR: 100
  • Card Replacement Fees: 50
  • Card Category: Charge Cards
  • Reward Rate: Local 3.0 points / SAR
  • Reward Rate: International 4.0 points / SAR

Signature Charge Card Alinma

SAR 250

  • Monthly Profit Rate: 2.50%
  • Monthly Min Payment: Full Payment
  • Annual Supplementary Fee: 100
  • Late Payment fees SAR: 100
  • Card Replacement Fees: 50
  • Card Category: Charge Cards
  • Reward Rate: Local 2.0 points / SAR
  • Reward Rate: International 3.0 points / SAR

Platinum Charge Card Alinma

SAR 250

  • Monthly Profit Rate: 2.50%
  • Monthly Min Payment: Full Payment
  • Annual Supplementary Fee: 100
  • Late Payment fees SAR: 100
  • Card Replacement Fees: 50
  • Card Category: Charge Cards
  • Reward Rate: Local 1.0 points / SAR
  • Reward Rate: International 2.0 points / SAR

Gold Charge Card Alinma

SAR 250

  • Monthly Profit Rate: 2.50%
  • Monthly Min Payment: Full Payment
  • Annual Supplementary Fee: 100
  • Late Payment fees SAR: 100
  • Card Replacement Fees: 50
  • Card Category: Charge Cards
  • Reward Rate: Local 1.0 points / SAR
  • Reward Rate: International 1.0 points / SAR

Classic Charge Card Alinma

SAR 250

  • Monthly Profit Rate: 2.50%
  • Monthly Min Payment: Full Payment
  • Annual Supplementary Fee: 100
  • Late Payment fees SAR: 100
  • Card Replacement Fees: 50
  • Card Category: Charge Cards
  • Reward Rate: Local 1.0 points / SAR
  • Reward Rate: International 1.0 points / SAR

Global Multi Currency Mastercard Credit Card Saudi National Bank

SAR 275

  • Monthly Profit Rate: 2.50%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 3
  • Annual Supplementary Fee: 137.5
  • Late Payment fees SAR: 50
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: Local 1.0 points / SAR

Tamkeen plus classic Bank AlBilad

SAR 287.50

  • Monthly Profit Rate: 1.80%
  • Monthly Min Payment: 5.00%
  • Late Payment fees SAR: 100
  • Card Replacement Fees: 600
  • Card Category: Credit Cards
  • Reward Rate: Domestic 2.5 points / SAR
  • Reward Rate: International 3.5 points / SAR
  • Car Rental: Yes

Titanium Islamic Mastercard Credit Card Riyad Bank

SAR 290

  • Monthly Profit Rate: 2.55%
  • Monthly Min Payment: 5.00%
  • Late Payment fees SAR: 50
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: Hassad Rewards
  • Travel Insurance: No
  • Airport Lounge Access: Yes

anb Visa Platinum ANB

SAR 300

  • Monthly Profit Rate: 2.59%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 5
  • Annual Supplementary Fee: 150
  • Late Payment fees SAR: 50
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: Domestic 1.2 points / SAR

Visa Platinum Credit Card SAIB

SAR 300

  • Monthly Profit Rate: 2.49%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 5
  • Late Payment fees SAR: 100
  • Card Replacement Fees: 100
  • Card Category: Credit Cards
  • Reward Rate: Domestic 1.5 points / SAR
  • Hotel Extras: Discounts via Visa Luxury Hotels & Jumeriah Hotels

Ajwaa Platinum Credit Card Bank Aljazira

SAR 300

  • Monthly Profit Rate: 2.90%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 1
  • Late Payment fees SAR: 100
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: Domestic 2.0 points / SAR
  • Reward Rate: International 2.75 points / SAR

anb Mastercard Platinum ANB

SAR 350

  • Monthly Profit Rate: 2.63%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 5
  • Annual Supplementary Fee: 175
  • Late Payment fees SAR: 50
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: Domestic 1.5 points / SAR

Classic Charge Credit Card Al Rajhi Bank

SAR 370

  • Monthly Profit Rate: 0.00%
  • Monthly Min Payment: Full Payment
  • Annual Supplementary Fee: 335
  • Late Payment fees SAR: 100
  • Card Replacement Fees: 15
  • Card Category: Charge Cards
  • Reward Rate: Domestic 1.0 points / SAR
  • Reward Rate: International 2.0 points / SAR

Platinum Charge Credit Card Al Rajhi Bank

SAR 370

  • Monthly Profit Rate: 0.00%
  • Monthly Min Payment: Full Payment
  • Annual Supplementary Fee: 335
  • Late Payment fees SAR: 100
  • Card Replacement Fees: 15
  • Card Category: Charge Cards
  • Reward Rate: Domestic 1.0 points / SAR
  • Reward Rate: International 4.0 points / SAR

Infinite Charge Credit Card Al Rajhi Bank

SAR 370

  • Monthly Profit Rate: 0.00%
  • Monthly Min Payment: Full Payment
  • Annual Supplementary Fee: 335
  • Late Payment fees SAR: 100
  • Card Replacement Fees: 15
  • Card Category: Charge Cards
  • Reward Rate: Domestic 3.0 points / SAR
  • Reward Rate: International 5.0 points / SAR

Mastercard Platinum Islamic Riyad Bank

SAR 390

  • Monthly Profit Rate: 2.55%
  • Monthly Min Payment: 5.00%
  • Late Payment fees SAR: 50
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: Hassad Rewards
  • Travel Insurance: No
  • Airport Lounge Access: Yes

Visa Platinum Islamic Riyad Bank

SAR 390

  • Monthly Profit Rate: 2.55%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 1
  • Late Payment fees SAR: 50
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: Hassad Rewards
  • Travel Insurance: Yes

SAB Visa Platinum Credit Card SAB

SAR 400

  • Monthly Profit Rate: 3.25%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 5
  • Late Payment fees SAR: 50
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: Domestic & EU 0.1 points / SAR
  • Reward Rate: International 0.125 points / SAR

SAB Platinum Mastercard Credit Card SAB

SAR 400

  • Monthly Profit Rate: 3.25%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 5
  • Late Payment fees SAR: 50
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: Domestic & EU 0.1 points / SAR
  • Reward Rate: International 0.125 points / SAR

Alahli Mastercard Credit Card - Titanium Saudi National Bank

SAR 400

  • Monthly Profit Rate: 2.95%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 3
  • Annual Supplementary Fee: 200
  • Late Payment fees SAR: 50
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: Local 1.0 points / SAR

VISA Platinum Islamic BSF

SAR 400

  • Monthly Profit Rate: 2.50%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 2
  • Annual Supplementary Fee: Free for first card and (SAR 75) for the Second supplementary card
  • Late Payment fees SAR: 100
  • Card Replacement Fees: 150
  • Card Category: Credit Cards
  • Reward Rate: Domestic & EU 1.0 points / SAR

Platinum Credit Card Bank AlBilad

SAR 425.50

  • Monthly Profit Rate: 0.00%
  • Monthly Min Payment: 100.00%
  • Annual Supplementary Fee: 115
  • Late Payment fees SAR: 100
  • Card Replacement Fees: 17.25
  • Card Category: Charge Cards
  • Reward Rate: Domestic 1.5 points / SAR
  • Reward Rate: International 1.5 points / SAR

anb Visa Signature ANB

SAR 450

  • Monthly Profit Rate: 2.79%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 5
  • Annual Supplementary Fee: 225
  • Late Payment fees SAR: 50
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: Domestic 1.5 points / SAR

The American Express Gold Credit Card American Express

SAR 460

  • Monthly Profit Rate: 2.75%
  • Monthly Min Payment: 5.00%
  • Annual Supplementary Fee: 100
  • Late Payment fees SAR: 100
  • Card Category: Credit Cards
  • Reward Rate: All spend 0.25 points / SAR
  • Car Rental: No
  • Hotel Extras: No

Visa Signature Credit Card SAB

SAR 475

  • Monthly Profit Rate: 3.00%
  • Monthly Min Payment: 5%
  • Supplementary Free Cards: 5
  • Late Payment fees SAR: 50
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: Domestic & EU 0.125 points / SAR
  • Travel Insurance: Yes

Signature Credit Card Bank AlBilad

SAR 483

  • Monthly Profit Rate: 0.00%
  • Monthly Min Payment: 100.00%
  • Annual Supplementary Fee: 115
  • Late Payment fees SAR: 100
  • Card Replacement Fees: 17.25
  • Card Category: Charge Cards
  • Reward Rate: Domestic 3.0 points / SAR
  • Reward Rate: International 3.0 points / SAR

Visa Signature Credit Card SAIB

SAR 500

  • Monthly Profit Rate: 2.49%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 5
  • Late Payment fees SAR: 100
  • Card Replacement Fees: 100
  • Card Category: Credit Cards
  • Reward Rate: Domestic 2.0 points / SAR
  • Reward Rate: GCC & Europe 2.0 points / SAR

Visa Signature Islamic Riyad Bank

SAR 500

  • Monthly Profit Rate: 2.50%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 1
  • Late Payment fees SAR: 50
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: Hassad Rewards
  • Travel Insurance: Yes

Ajwaa Signature Credit Card Bank Aljazira

SAR 500

  • Monthly Profit Rate: 2.50%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 1
  • Late Payment fees SAR: 100
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: Domestic 2.25 points / SAR
  • Reward Rate: International 3.25 points / SAR

The American Express® Business Credit Card American Express

SAR 520

  • Monthly Profit Rate: 2.75%
  • Monthly Min Payment: 5.00%
  • Annual Supplementary Fee: 60
  • Late Payment fees SAR: 100
  • Card Category: Credit Cards
  • Reward Rate: All spend 0.25 points / SAR
  • Car Rental: Yes - Hertz
  • Hotel Extras: No

Infinite Credit Card Bank AlBilad

SAR 540.50

  • Monthly Profit Rate: 0.00%
  • Monthly Min Payment: 100.00%
  • Annual Supplementary Fee: 115
  • Late Payment fees SAR: 100
  • Card Replacement Fees: 17.25
  • Card Category: Charge Cards
  • Reward Rate: Domestic 3.0 points / SAR
  • Reward Rate: International 3.0 points / SAR

Alahli Mastercard Credit Card - Platinum Saudi National Bank

SAR 600

  • Monthly Profit Rate: 2.70%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 3
  • Annual Supplementary Fee: 300
  • Late Payment fees SAR: 50
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: Local 1.5 points / SAR

The American Express Green Card American Express

SAR 647

  • Monthly Profit Rate: 2.75%
  • Monthly Min Payment: 5.00%
  • Annual Supplementary Fee: 647
  • Late Payment fees SAR: 100
  • Card Category: Charge Cards
  • Reward Rate: All spend 0.25 points / SAR
  • Reward Rate: Selected Merchants 0.5 points / SAR
  • Car Rental: No

Infinite Credit Card Bank Aljazira

SAR 700

  • Monthly Profit Rate: 2.50%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 1
  • Late Payment fees SAR: 100
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: Domestic 1.25 points / SAR
  • Reward Rate: International 2.0 points / SAR

Infinite Credit Card Emirates NBD KSA

SAR 700 Annual

  • Monthly Profit Rate: 2.99%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 5
  • Late Payment fees SAR: 50
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: All spend 1.0 points / SAR
  • Car Rental: Yes

anb Mastercard World ANB

SAR 700

anb Mastercard World: Monthly Profit Rate 3.02%; Monthly Min Payment 5.00%; Supplementary Free Cards 5; Annual Supplementary Fee 350.

  • Monthly Profit Rate: 3.02%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 5
  • Annual Supplementary Fee: 350
  • Late Payment fees SAR: 50
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: Domestic 1.5 points / SAR

VISA Signature Islamic BSF

SAR 750

  • Monthly Profit Rate: 3.00%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 1
  • Annual Supplementary Fee: 75
  • Late Payment fees SAR: 50
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: Domestic & EU 1.0 points / SAR

Mastercard World Islamic Riyad Bank

SAR 750

  • Monthly Profit Rate: 2.35%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 1
  • Late Payment fees SAR: 50
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: Hassad Rewards
  • Car Rental: Discounts on all

Visa Infinite Credit Card SAIB

SAR 800

  • Monthly Profit Rate: 2.49%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 5
  • Late Payment fees SAR: 100
  • Card Replacement Fees: 100
  • Card Category: Credit Cards
  • Reward Rate: Domestic 2.5 points / SAR
  • Car Rental: Yes - Avis

anb Visa Infinite ANB

SAR 850

anb Visa Infinite: Monthly Profit Rate 3.18%; Monthly Min Payment 5.00%; Supplementary Free Cards 5; Annual Supplementary Fee 425.

  • Monthly Profit Rate: 3.18%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 5
  • Annual Supplementary Fee: 425
  • Late Payment fees SAR: 50
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: Domestic 2.0 points / SAR

Marriott Bonvoy® American Express® Credit Card American Express

SAR 862.50

  • Monthly Profit Rate: 2.75%
  • Monthly Min Payment: 5.00%
  • Annual Supplementary Fee: 375
  • Late Payment fees SAR: 100
  • Card Category: Credit Cards
  • Reward Rate: Marriott Bonvoy 1.33 points / SAR
  • Reward Rate: International (exc. SAR & USD) 0.8 points / SAR
  • Reward Rate: USD or SAR spend 0.5 points / SAR

Ajwaa Infinite Credit Card Bank Aljazira

SAR 900

  • Monthly Profit Rate: 2.50%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 1
  • Late Payment fees SAR: 100
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: Domestic 2.75 points / SAR
  • Reward Rate: International 3.5 points / SAR

The American Express Gold Card American Express

SAR 908.50

  • Monthly Profit Rate: 0.00%
  • Monthly Min Payment: 100.00%
  • Annual Supplementary Fee: 375
  • Late Payment fees SAR: 100
  • Card Category: Charge Cards
  • Reward Rate: All spend 0.25 points / SAR
  • Car Rental: Yes - Hertz
  • Hotel Extras: No

VISA Infinite Islamic BSF

SAR 1000

  • Monthly Profit Rate: 3.00%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 1
  • Annual Supplementary Fee: 75
  • Late Payment fees SAR: 50
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: Domestic & EU 1.5 points / SAR

AlJazira World Elite Mastercard Credit Card Bank Aljazira

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.

  • Monthly Profit Rate: 2.50%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 1
  • Late Payment fees SAR: 100
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: Domestic 1.25 points / SAR
  • Reward Rate: International 2.0 points / SAR

Alahli Wessam Gold Mastercard Credit Card - World Saudi National Bank

SAR 1000

  • Monthly Profit Rate: 2.95%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 3
  • Annual Supplementary Fee: 500
  • Late Payment fees SAR: 50
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: Local 2.0 points / SAR

The American Express Platinum Credit Card American Express

SAR 1035

  • Monthly Profit Rate: 2.75%
  • Monthly Min Payment: 5.00%
  • Annual Supplementary Fee: 450
  • Late Payment fees SAR: 100
  • Card Category: Credit Cards
  • Reward Rate: All spend 0.25 points / SAR
  • Car Rental: No
  • Hotel Extras: No

The American Express Platinum Card® American Express

SAR 1150

  • Monthly Min Payment: Full Payment
  • Annual Supplementary Fee: 575
  • Late Payment fees SAR: 100
  • Card Replacement Fees: 115
  • Card Category: Charge Cards
  • Reward Rate: All spend 0.25 points / SAR
  • Car Rental: No
  • Hotel Extras: Yes

Marriott Bonvoy® Al Rajhi Bank Credit Card Al Rajhi Bank

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.

  • Monthly Profit Rate: 2.20%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: 2
  • Annual Supplementary Fee: 75
  • Late Payment fees SAR: 100
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: Domestic 1.5 points / SAR

Mastercard World Elite Islamic Riyad Bank

SAR 1500

  • Monthly Profit Rate: 2.20%
  • Monthly Min Payment: 5.00%
  • Annual Supplementary Fee: 50
  • Late Payment fees SAR: 50
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: Hassad Rewards
  • Hotel Extras: Free hotel accommodation on 200+ Hotels in Middle East and Africa

SAB AlFursan Black Mastercard Credit Card SAB

SAR 1950

  • Monthly Profit Rate: 3.00%
  • Monthly Min Payment: 5%
  • Supplementary Free Cards: 5
  • Late Payment fees SAR: 50
  • Card Replacement Fees: 15
  • Card Category: Credit Cards
  • Reward Rate: Domestic 0.4 miles / SAR
  • Reward Rate: International 1.0 miles / SAR

World Elite BSF

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.

  • Monthly Profit Rate: 2.50%
  • Monthly Min Payment: 5.00%
  • Supplementary Free Cards: Yes
  • Annual Supplementary Fee: 1000
  • Late Payment fees SAR: 100
  • Card Replacement Fees: 150
  • Card Category: Credit Cards
  • Reward Rate: Domestic & EU 1.5 points / SAR

Credit cards in Saudi Arabia: November 2026 at a glance

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. 19 cards from 8 issuers list no annual fee — among them Al Rajhi Bank's Platinum, Signature, Selective and Infinite cards, Alinma's Platinum, Signature and Infinite cards, Bank AlBilad's Tamkeen plus Platinum, Signature and Infinite, meem's Platinum, Signature and Infinite cards, SAB Premier and SAB Advance Visa Platinum, Emirates NBD's Platinum and Platinum Plus, and the Nayifat Classic Card. If you want no fee and a low rate, Bank AlBilad's Tamkeen plus Signature and Infinite list 1.80% a month and Alinma's Platinum, Signature and Infinite list 1.90%. 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.

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:

  1. Choose a bank and a card that fits your needs.
  2. Collect documents like your ID, proof of income, and Iqama.
  3. Apply online through the bank's website or visit a branch.
  4. Wait 1-2 weeks for approval.
  5. 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

  1. 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.
  2. 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.
  3. 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.
  4. How do I activate my credit card? 
    You can activate your card by calling the bank or using the mobile app.
  5. 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.
  6. 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.

 

 

Credit Cards in Saudi Arabia — FAQ

Which credit cards in Saudi Arabia have no annual fee?

Several issuers on Giraffy list cards with no annual fee, including Al Rajhi Bank, Alinma, meem, Bank AlBilad, SAB, Emirates NBD, Saudi National Bank (Flexi Mastercard) and Nayifat — 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.

What is the best credit card in Saudi Arabia without an annual fee?

If you might carry a balance, look for a card that has no annual fee and a low monthly profit rate. Bank AlBilad's Tamkeen plus Signature and Infinite cards list SAR 0 a year and 1.80% a month, and Alinma's Platinum, Signature and Infinite cards list SAR 0 and 1.90% with airport lounge access and travel insurance. Al Rajhi Bank's no-fee Platinum, Signature, Selective and Infinite cards list 2.20%, and meem's list 2.25%–2.75%.

What is a monthly profit rate on a Saudi credit card?

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.

Can I apply for a credit card in Saudi Arabia online?

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.

What credit score do I need to get approved for a credit card in Saudi Arabia?

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.

Which credit card in Saudi Arabia has no foreign transaction fee?

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.

How do balance transfers work, and are they worth it?

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.

What is a rewards or cashback credit card?

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.

How does credit card interest work?

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.

What is the difference between a credit limit and an available balance?

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.