Okay, now that we know the key players, let’s figure out which card is right for you. Don’t worry—it’s not as overwhelming as it sounds. Think of this as finding your dream vacation—except this one helps you earn money on purchases or get travel points!
Ask These Questions to Compare Credit Cards in Saudi Like a Pro:
1. How Do You Spend?
Let’s talk about what you actually buy. Are you dropping cash on groceries and fuel every week, or are you planning that next big trip? Knowing where you spend will help you find the best card for cashback or airline miles.
Grocery runs and gas stops? Look for a cashback card from SNB or Riyad Bank that gives you rewards on everyday purchases.
Love to travel? Go for an airline miles card from Al Rajhi or SNB so every swipe brings you closer to your next adventure.
2. Cashback vs. Airline Miles—The Great Debate
Alright, here’s where you decide what kind of rewards you want. Do you want straight cashback (which you can spend on whatever you want), or are you looking to save up points for that dream vacation?
Want cashback? Choose a cashback card and get rewarded for your everyday spending with real money.
Travel addict? An airline miles card will turn your regular purchases into points for flights, upgrades, and more.
3. Traditional Credit Card or Prepaid?
If the idea of debt makes you cringe, a prepaid card from STC Pay or Mobily Pay might be your best bet. But if you want the flexibility to build credit and potentially spread out payments, a traditional credit card is the way to go.
Prepaid cards are perfect for keeping your spending in check. Just load up, and you’re good to go—no surprises!
Traditional credit cards are great if you want rewards and are comfortable paying off your balance each month so you don’t pay interest.
4. Sharia-Compliant or Traditional?
If you’re looking for a card that sticks to Sharia principles, Al Rajhi and Riyad Bank both have options that offer rewards without the typical interest structure.
Sharia-compliant cards are perfect for those who want to align their financial choices with Islamic values.
Traditional cards are available from almost every bank, so if Sharia compliance isn’t a concern, you’ll have more options.
5. What’s the Fee?
Last but not least, let’s talk annual fees. Some cards come with no annual fee, while others might have one—but usually, these cards offer higher rewards or special perks that can more than make up for it. Just make sure the rewards based on your spending are higher than the fees.
No annual fee? You have a lot of options, but maybe look at prepaid cards.
Big spender? Cards with higher rewards, like airline miles, might have fees but give you tons of perks in return.
»COMPARE: Compare all credit cards here.
Final Thoughts: Picking Your Perfect Credit Card
Now that you’ve got the inside scoop on how to compare credit cards in Saudi Arabia, it’s time to make the choice that’s best for you. Whether you’re focused on cashback for everyday purchases, airline miles for your next big trip, or the simplicity of a prepaid card to keep spending in check, the right card is out there waiting for you. Take your time, weigh the pros and cons, and think about what fits your lifestyle and spending habits. With the right card in hand, you’ll not only be making purchases—you’ll be earning rewards while doing it.