Compare Credit Cards in Saudi Arabia: Fees, Rewards & Benefits
Compare published annual fees, cashback rates, foreign transaction costs, lounge benefits and key conditions across verified credit cards in Saudi Arabia.
Data Verification Status: Active Verified (August 2026) |
Editorial Policy: 100% Independent & Objective (Zero Sponsored Placement)
Objective Card Comparison Framework
Key Dimensions for Comparing Saudi Credit Cards: Comparing Saudi credit cards requires evaluating five objective criteria: (1) Annual Fee (ranging from permanently free cards to premium cards charging SAR 800+); (2) Foreign Transaction Markup / FX Fee (typically 1.15% to 2.75% plus 15% VAT on international spend); (3) Minimum Salary Threshold (from SAR 3,000 to SAR 25,000+); (4) Reward Value (direct cashback with monthly earning caps versus travel miles such as AlFursan); and (5) Sharia Governance (Islamic Murabaha/Tawarruq cards compliant with local Sharia supervisory boards).
Verified Saudi Credit Card Inventory
| Card & Issuer | Annual Fee | FX Fee | Min Salary | Rewards / Cashback | Source |
|---|---|---|---|---|---|
| Al Rajhi Al Fursan Infinite Visa Al Rajhi Bank |
SAR 1,000 + 15% VAT annually (SAR 700 + VAT for Affluent Banking tier) | 2.75% | SAR 25,000 published minimum for Infinite tier | AlFursan Miles (1 Mile per SAR 2 - 3) | Official Portal |
| SNB Cashback Mastercard Saudi National Bank (SNB) |
SAR 0 Lifetime Free (No Annual Fee confirmed by issuer) | 2.75% | SAR 4,000 published minimum salary | Up to 2% monthly cashback | Official Portal |
| Riyad Bank Signature Visa Riyad Bank |
SAR 500 + 15% VAT annually (Waived on annual spend of SAR 25,000 or Diamond banking status) | 2.75% | SAR 15,000 published minimum salary | 1.5% - 2.0% equivalent in Hassad points | Official Portal |
| Alinma Platinum Visa Alinma Bank |
SAR 100 + 15% VAT annually (Waived if spending SAR 3,000 within first 3 months and annually thereafter; or Platinum banking status) | 2.7% | SAR 7,000 published minimum salary | Akthr Loyalty Points (up to 1.5% equivalent) | Official Portal |
| SAB Premier Mastercard Saudi Awwal Bank (SAB) |
SAR 600 + 15% VAT annually (SAR 0 Free for SAB Premier banking relationship customers) | 2.75% | SAR 20,000 published minimum for Premier banking | ICSAB+ Rewards (up to 2.0% equivalent) | Official Portal |
| ANB Travel Platinum Mastercard Arab National Bank (ANB) |
SAR 0 Annual Fee (Conditional on spending SAR 1,000 annually or multi-currency travel account) | 0% | SAR 6,000 published minimum salary | 0% FX + anb Rewards | Official Portal |