Emirates NBD KSA Review, Offers, Rates & Alternatives
Emirates NBD KSA is the Saudi Arabia operation of Emirates NBD, one of the UAE's largest banks. It offers credit cards, savings, auto leasing and personal finance. The credit card range includes the Rahhala airline miles cards (SAR 300-700/year), Mazeed and Jarir cashback cards (SAR 200-600/year), and standard credit/infinite cards. The Mudarabah savings account is Sharia-compliant. Emirates NBD KSA suits customers who have existing Emirates NBD UAE relationships or who want a Gulf-region bank with UAE backing in Saudi Arabia.
Live offers
- Current Account
- Platinum Plus Credit Card
- Platinum Credit Card
- Mudarabah Savings Account
- Personal Finance
| Provider | Emirates NBD KSA |
|---|---|
| Country | Saudi Arabia (UAE bank) |
| Cards | Rahhala Platinum miles (SAR 300/year), Rahhala Infinite (SAR 700), Mazeed cashback (SAR 200), Jarir cashback (SAR 300-600) |
| No-annual-fee cards | Platinum and Platinum Plus credit cards (SAR 0/year, 1 point per SAR) |
| Savings | Mudarabah Savings: expected profit up to 3.50% p.a. on balances up to SAR 250,000, paid monthly, no minimum deposit |
| Personal finance | From 4.21% APR, up to SAR 3,000,000 over 60 months, 1% admin fee |
| Best for | UAE Emirates NBD customers who want continuity in Saudi Arabia, or cashback card users |
| Alternatives | Saudi National Bank, Al Rajhi Bank, Riyad Bank |
Best for
- UAE-based Emirates NBD customers who are working or living in Saudi Arabia
- Jarir Bookstore frequent shoppers who want the Jarir cashback credit card
- Users who want a Gulf-backed bank with cross-border banking capability
Not ideal for
- Users who want the widest Saudi branch network — Al Rajhi and SNB are far larger
- Users who do not have UAE banking relationships
Emirates NBD KSA cashback cards
Three cashback cards are listed, all with a 2.99% monthly profit rate and 5 free supplementary cards.
- Mazeed Platinum: SAR 200/year, 10% cashback at restaurants and 5% on groceries
- Jarir Platinum: SAR 300/year, 2% unlimited cashback at Jarir stores and 1% on domestic spend
- Jarir Infinite: SAR 600/year, same Jarir earn rate plus concierge service and airport lounge access
Best for: Families who spend heavily on dining and groceries (Mazeed) or at Jarir Bookstore (Jarir cards).
Rahhala airline miles cards
Two Rahhala miles cards are listed.
- Rahhala Platinum: SAR 300/year, 0.25 miles per SAR on domestic spend, airport lounge access
- Rahhala Infinite: SAR 700/year, 0.33 miles per SAR on domestic spend, lounge access and concierge
Everyday credit cards
Two of Emirates NBD KSA's standard cards carry no annual fee.
- Platinum and Platinum Plus: SAR 0/year, 1 point per SAR on all spend, car rental and hotel benefits
- Infinite: SAR 700/year, 1 point per SAR
- Late payment fee SAR 50; card replacement SAR 15
Personal finance, savings and auto leasing
Lending and savings products available to Saudi nationals and expatriates.
- Personal finance from 4.21% APR, up to SAR 3,000,000 over 60 months; minimum salary SAR 5,000 with salary transfer or SAR 10,000 without
- Mudarabah Savings Account: up to 3.50% expected profit on the first SAR 250,000, unlimited withdrawals
- Auto leasing (new and certified pre-owned) from 10.33% APR, up to SAR 500,000 over 60 months
- Current account: no annual fee, SAR 25 international cash withdrawal fee, 2% international transaction fee
Emirates NBD KSA vs alternatives
Emirates NBD KSA vs Saudi National Bank
Saudi Arabia's largest bank with the widest domestic branch network. Emirates NBD vs SNB: SNB is much larger domestically. Emirates NBD suits customers who have UAE banking relationships and want the same bank in KSA.
Emirates NBD KSA vs Riyad Bank
Al-Hilal cashback cards and AlFursan miles at competitive tiers. Emirates NBD vs Riyad Bank: Compare Jarir cashback vs Al-Hilal cashback annual fees and earn rates. Both offer cashback and airline miles card tiers.
Emirates NBD KSA in Saudi Arabia — FAQ
Does Emirates NBD KSA have a credit card with no annual fee?
Yes. The Emirates NBD KSA Platinum and Platinum Plus credit cards are listed on Giraffy at SAR 0 a year, earning 1 point per SAR. The cashback and miles cards charge SAR 200–700 a year.
What is the Emirates NBD KSA savings account rate?
The Mudarabah Savings Account lists an expected profit of up to 3.50% a year on balances up to SAR 250,000, paid monthly, with no minimum deposit and no fixed term. It is Sharia-compliant.
What is the Emirates NBD personal finance rate in Saudi Arabia?
Emirates NBD KSA personal finance starts from 4.21% APR, for up to SAR 3,000,000 over up to 60 months, with a 1% admin fee. It is open to Saudi nationals and expatriates; the minimum salary is SAR 5,000 with salary transfer or SAR 10,000 without.
Is Emirates NBD available in Saudi Arabia?
Yes. Emirates NBD operates branches in Saudi Arabia under Emirates NBD KSA, offering retail banking products including credit cards, savings and personal finance.
What is the Rahhala card?
Rahhala is Emirates NBD's airline miles credit card in Saudi Arabia. The Platinum tier costs SAR 300/year and the Infinite tier costs SAR 700/year. Miles can be redeemed for flights.
What is the Jarir credit card?
The Jarir Platinum (SAR 300/year) and Jarir Infinite (SAR 600/year) are cashback credit cards co-branded with Jarir Bookstore, offering enhanced cashback at Jarir and other merchants.
Emirates NBD Personal Finance: Convenient Solutions for Everyday Needs
Emirates NBD offers Sharia-compliant personal financing solutions designed to support everyday expenses with flexibility and ease.
- Fast Approvals
Quick processing with minimal documentation for a smooth application experience.
Ideal for urgent financial needs without lengthy procedures. - Sharia-Compliant Structure
Ethical, interest-free financing aligned with Islamic financial principles.
Ensures transparency, fairness, and peace of mind for all customers. - Flexible Repayment Plans
Customizable installment options tailored to individual income and obligations.
Supports better financial planning with predictable monthly payments. - Multi-Purpose Use
Suitable for covering education, medical bills, travel, or other personal goals.
Helps manage life's essentials without financial strain.
Why Choose Emirates NBD Personal Finance?
- Quick processing for urgent personal needs
- Ethical and interest-free solutions under Islamic principles
- Customizable repayment terms
- Backed by Emirates NBD’s trusted financial expertise
Emirates NBD KSA Auto Leasing: The Car of Your Dreams Is Now Within Reach
Emirates NBD KSA Auto Leasing offers a range of Shariah-compliant Ijarah-based vehicle lease programs—including new vehicles, certified pre-owned cars, and 50/50 schemes—with flexible payment plans and comprehensive after-sales support, all accessible via Emirates NBD Online Banking, Mobile App, or any branch.
Why Choose Emirates NBD KSA for Auto Leasing?
- Fully Shariah-compliant Ijarah lease structure
- Multiple programs including new vehicles, certified pre-owned, and 50/50 schemes
- Balloon payment options up to 45% for flexible end-of-lease ownership
- Best-in-class insurance, agency repairs, and enhanced after-sales support
- Digital application via Emirates NBD Online Banking, Mobile App, or branch network