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

Top Rated Price: Low to High Price: High to Low Newest

Updating results...

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

Annual

800

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Issuance

Annual

475

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Issuance

Annual

1,950

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Issuance

Annual

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Issuance

Annual

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Issuance

Annual

400

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Issuance

Annual

400

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Issuance

Annual

400

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Issuance

Annual

600

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Issuance

Annual

1,000

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Issuance

Annual

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

Four monthly installment plan. Zero profit rate

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

Issuance

Usually 250 SAR

Annual

Usually 250 SAR

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

Free for Life Issuance with No Annual Fees

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

Issuance

Usually 100 SAR

Annual

Usually 100 SAR

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

Free for Life Issuance with No Annual Fees

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

Annual

250

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

250

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

250

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

250

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

250

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

400

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

3,000

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

300

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

1,150

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

Free for Life - Usually SAR 350

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

ANB

anb Visa Platinum

Monthly Profit Rate

2.59%

Reward Rate

Domestic

1.20

points / SAR

International

1.80

points / SAR

Welcome Bonus

International Transaction Fees

2.00%

Cash Withdrawal Fee (SAR)

3.00%

Maximum Fee: 75 SAR

Price

Issuance

Annual

300

Free for Platinum/Gold customers

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Issuance

Annual

700

Free for Platinum/Gold customers

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Issuance

Annual

350

Free for Platinum/Gold customers

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Issuance

Annual

850

Free for Platinum customers

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Issuance

Annual

200

Free for Platinum/Gold customers

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Issuance

Annual

450

Free for Platinum/Gold customers

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

Free for Life - Usually SAR 500

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

1,035

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

908.50

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

647

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

460

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

230

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Issuance

Annual

172.50

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Issuance

Annual

115

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

100

75 SAR after 1st year

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

500

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Issuance

Usually 100 SAR

Annual

100

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

Limited Offer: Free Lifetime Issuance

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

Annual

1,500

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

520

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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:

Price

Annual

370

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

1,200

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

500

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

290

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

390

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

1,500

Free for Private Banking customers

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

750

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

390

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Issuance

Usually 300 SAR

Annual

Usually 300 SAR

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

Free for Life Issuance with No Annual Fees

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

Annual

1,000

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

750

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

862.50

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

Limited Time Offer

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:

Price

Annual

370

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

Currently Free for Life - Usually 990 SAR

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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:

Price

Annual

370

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

Currently Free for Life - Usually 490 SAR

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

Currently Free for Life - Usually 790 SAR

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

Currently Free for Life - Usually 790 SAR

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Issuance

Annual

275

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

Free for Life - Usually SAR 750

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

540.50

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

425.50

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

483

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

195.50

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

900

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

200

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

500

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

200

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

1,000

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

150

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

700

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

200

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

300

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

100

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

500

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

287.50

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

Currently Free for Life - Usually 1035 SAR

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

Currently Free for life - Usually 345

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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

Annual

Currently Free for Life - Usually 517.50 SAR

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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:

Price

700

Annual

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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:

Price

Annual

Free for 1st year. Usually 300 SAR

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

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:

Price

Annual

Extras

Travel Insurance

Airport Lounge Access

Concierge Service

Select Merchant Discounts

View Offer

Product Information

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.