Which Credit Card Offers the Highest Cash Back on Fuel and Dining in Saudi Arabia?
Fuel and dining expenses are a major part of everyday life in Saudi Arabia. Fortunately, several leading banks offer credit cards with outstanding cash back rates tailored to these categories.
Which Credit Card Offers the Highest Cash Back on Fuel and Dining in Saudi Arabia?
Fuel and dining expenses are a major part of everyday life in Saudi Arabia. Fortunately, several leading banks offer credit cards with outstanding cash back rates tailored to these categories. Knowing which card gives you the most on every riyal spent at petrol stations and restaurants can help you save big over time.
Top Credit Cards for Fuel and Dining Cash Back (2025)
1. SAB Advance Credit Card
Cash Back: 3% on fuel AND dining purchases.
Extra Perks: Also offers 3% on groceries, and 1% on all other transactions.
Why It’s Best: The 3% rate on both fuel and dining is among the highest for these categories in the Saudi market, with no need to activate rotating categories.
Other Benefits: Enjoy exclusive merchant discounts, lifestyle perks, and a digital management platform.
2. SAIB Platinum Cashback Credit Card
Cash Back: Up to 5% on fuel and dining during special promos; typically 3% on these categories in standard periods.
Why It’s Strong: Frequent promotional offers can push the rate even higher for limited periods.
Other Benefits: Extended warranty, purchase protection, and easy online redemption.
3. Alinma Platinum Credit Card
Cash Back: 2% flat rate, including fuel and dining.
Why It’s Good: Consistent and easy—no need to track categories, and you still get solid returns on fuel and dining along with all other expenses.
4. Saudi National Bank (SNB) Cash Back Card
Cash Back: 2% flat on ALL spending, so this includes fuel and restaurants.
Why It’s Reliable: No category tracking, just steady rewards wherever you go.
Quick Comparison Table: Fuel & Dining Cash Back
Card Name | Fuel Cash Back | Dining Cash Back | Other Standout Features |
SAB Advance | 3% | 3% | 3% on groceries, 1% elsewhere |
SAIB Platinum | 3–5% (normally/promo) | 3–5% | Extended warranty & protection |
Alinma Platinum | 2% (flat) | 2% (flat) | Applies to all spending |
SNB Cash Back | 2% (flat) | 2% (flat) | Includes all purchases |
What to Know Before Choosing
Promotional rates: Cards like SAIB Platinum sometimes run temporary boosts—check current offers for the highest rates.
Annual fees: Higher cash back might come with a higher yearly cost; evaluate if your spending justifies the fee.
Redemption: Look for cards with easy redemption via app or statement credit.
Spending caps: Some cards cap monthly or annual cash back—review terms before making a decision.
In Summary
Top Pick for Highest Everyday Rate: SAB Advance Credit Card—3% cash back on both fuel and dining, with no hoops to jump through.
For highest potential during promos: SAIB Platinum Cashback Credit Card—up to 5% when special offers are active.
For overall versatility: Alinma Platinum and SNB Cash Back—2% flat on everything, including fuel and dining.
Tip: If fuel and dining are major parts of your budget, the SAB Advance provides the most consistent savings, while SAIB Platinum is ideal if you can benefit from timing your spending with promotional periods.