What Are the Best Cash Back Credit Cards for Everyday Purchases in Saudi Arabia?
Saudi Arabiaβs credit card market in 2025 is full of choices for consumers wanting great cash back on daily spending.
What Are the Best Cash Back Credit Cards for Everyday Purchases in Saudi Arabia?
Saudi Arabia’s credit card market in 2025 is full of choices for consumers wanting great cash back on daily spending. From groceries and fuel to shopping and dining, several cards deliver maximum savings and user-friendly perks. Here’s a detailed look at the leading options, their rates, and unique advantages.
Top Cash Back Credit Cards for Everyday Spending
1. SAIB Platinum Cashback Credit Card
Cash Back: Up to 10% in special promos; typically 3–5% on groceries, fuel, and select partners; 1% on general spends.
Redemption: Direct to your card statement—easy and instant.
Perks: Purchase protection, extended warranty, and payment flexibility via installment plans.
Best For: Shoppers looking to maximize returns on essential and promotional categories.
2. SAB Advance Credit Card
Cash Back: 3% on groceries, fuel, and dining; 1% on all other purchases.
Perks: Regular exclusive offers at major retailers, plus lifestyle and travel deals.
Redemption: Straightforward statement credits.
Best For: Consistent spenders on daily essentials.
3. Alinma Platinum Credit Card
Cash Back: 2% flat, no categories—every purchase, every time.
Redemption: Simple, automatic statement credits.
Perks: Airport lounge access, solid travel benefits.
Best For: Users who want simplicity and consistent high returns.
4. Saudi National Bank (SNB) Cash Back Card
Cash Back: 2% on all purchases—domestic and international.
Redemption: Direct to your card statement.
Perks: Complimentary travel insurance and purchase protection.
Best For: Everyday spenders and frequent travelers.
5. Al Rajhi Cash Back Credit Card
Cash Back: 1% flat rate on all spends.
Redemption: Credited to your monthly statement.
Perks: Zero foreign transaction fees on some variants, wide acceptance, Shariah-compliant.
Best For: Anyone wanting a no-fuss, reliable cash back card.
6. meem Credit Card
Cash Back: Earn points convertible to effective 1–2% cash back value.
Redemption: Flexible—use for cash back, gift cards, or travel bookings.
Perks: Digital-first experience, easy management via app.
Best For: Users who prefer flexibility in how they redeem rewards.
Comparison Table: Saudi Cash Back Cards (2025)
Card Name | Cash Back Rate | Categories or Flat | Standout Feature |
SAIB Platinum | Up to 10% promo/3–5% reg. | Category-based | Highest in promos |
SAB Advance | 3% (groceries/fuel/dining) | Category-based | Strong on daily essentials |
Alinma Platinum | 2% | Flat | Simple, consistent cash back |
SNB Cash Back | 2% | Flat | Great for local & international |
Al Rajhi Cash Back | 1% | Flat | No-fuss, highly accepted |
meem Credit Card | 1–2% (via points) | Flat (points) | Flexible redemption options |
Tips for Choosing the Right Cash Back Card
Match your spending: Choose category-based cards if you spend a lot on groceries, fuel, etc.; pick flat-rate cards for all-around use.
Check caps: Some cards cap the monthly or annual cash back you can earn, especially on promotional rates.
Watch annual fees: Calculate if cash back savings offset any yearly fees.
Enjoy digital perks: Many cards offer easy online management and instant cash back redemption.
Look for welcome bonuses: Some banks offer extra cash back or gifts when you sign up.
In Summary
For highest overall cash back: SAIB Platinum Cashback (with promos and category rates).
For simple, reliable rewards: Alinma Platinum and SNB Cash Back (2% flat).
For maximum value on daily essentials: SAB Advance Credit Card (3% on key categories).
For flexible, digital experience: meem Credit Card.
Choosing the right card depends on your daily habits—look for the one that fits your lifestyle for the best return every time you spend!