Alright, so you’ve compared the options and made up your mind. Time to get your hands on your shiny new credit card (or prepaid card if that’s more your vibe). Here’s everything you need to know to make it happen—and quickly.
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Here’s What You’ll Need to Apply:
1. Iqama or Passport
You’re going to need either your Iqama (for residents) or your passport (if you're visiting). It’s pretty standard—you won’t get far without it!
Pro tip: If you're applying online, having a digital copy handy can save time.
2. Proof of Income
For traditional credit cards, you’ll need to show proof that you can pay off your balance. This could be a salary slip, bank statement, or employment letter. If you’re going the prepaid card route, in most cases you can skip this step—just load up your card and you’re good to go.
3. Credit History
Banks will usually check your credit history to make sure you’ve been good with debt in the past. If you’re just starting out or rebuilding your credit, consider a prepaid card to help you keep things under control while still enjoying the convenience of card payments.
Where Can You Apply for Your Credit Card or Prepaid Card?
1. In-Store
For traditional credit cards, you’ll want to head to a bank branch (like Al Rajhi, SNB, or Riyad Bank). A bank rep will walk you through the process and help you pick the best card for your needs.
2. Online
Feeling lazy (or just into quick convenience)? No problem. Most banks let you apply online, and if you’re getting a prepaid card from STC Pay or Mobily Pay, the whole process is done through their app. Simple.
Activating Your New Card
You’ve got your new card—yay! Now, you’ll need to activate it. For credit cards, this usually means calling a number or activating it through the bank’s app. For prepaid cards (especially from STC Pay or Mobily Pay), just top up your balance and boom—you’re ready to go!
And There You Have It—You’re Ready to Spend!
Congrats, you’ve got your card and it’s all set up! Whether you went for a cashback credit card, an airline miles card, or the simplicity of a prepaid card, you’re now equipped to shop, save, and earn rewards. Just remember to spend wisely! Now you can treat yourself while being smart with your finances, and if you ever feel like switching things up or exploring new card options, you know where to find me.