Best Credit Cards in Saudi Arabia 2026: Compare 35 Cards
Compare 35 verified cards across 12 Saudi issuers. Evaluate real cashback, AlFursan air miles, airport lounge access, FX fees, and annual fees before applying.
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 (Excl. 15% VAT). Discounted to SAR 700 + VAT for Al Rajhi Affluent Banking tier. | 2% | Underwriting requirement based on affluent relationship / credit assessment | AlFursan Miles (1 Mile per SAR 2 - 3) | Official Portal |
| Al Rajhi Cashback Plus Platinum Credit Card Al Rajhi Bank |
SAR 250 (Excl. 15% VAT) annually. First year fee free; waived upon spending SAR 12,000 annually. | 2% | SAR 5,000 published minimum salary requirement | Up to 10% on dining, cafes, and supermarkets | Official Portal |
| Al Rajhi Mokafaa Signature Visa Al Rajhi Bank |
SAR 500 (Excl. 15% VAT) annually. Free for Al Rajhi Affluent Banking status. | 2% | SAR 12,000 published minimum salary requirement | Up to 5 Mokafaa points per SAR | Official Portal |
| Al Rajhi Selective Visa Platinum Card Al Rajhi Bank |
SAR 0 promotional fee (Offer valid 1 July - 30 September 2026). Standard base fee SAR 200 + VAT. | 2% | SAR 4,000 published minimum salary requirement | 2 Mokafaa points per SAR | Official Portal |
| SNB Cashback Mastercard Saudi National Bank (SNB) |
Free for life with no annual renewal fees | 2.75% | SAR 4,000 published minimum salary requirement | Up to 2% flat cashback | Official Portal |
| SNB AlAhli AlFursan Infinite Visa Saudi National Bank (SNB) |
SAR 1,000 (Excl. 15% VAT) annually. Free for SNB Private Banking customers. | 2.75% | SAR 20,000 published minimum salary requirement | 1 Mile per SAR 2 - 3 spent | Official Portal |
| SNB LAK Platinum Mastercard Saudi National Bank (SNB) |
SAR 250 (Excl. 15% VAT) annually. First year free; waived upon spending SAR 15,000 annually. | 2.75% | SAR 5,000 published minimum salary requirement | Up to 2.5 LAK points per SAR | Official Portal |
| SNB World Elite Mastercard Saudi National Bank (SNB) |
SAR 1,500 (Excl. 15% VAT) annually. Free for SNB Private Banking relationship holders. | 2.75% | SAR 40,000 published requirement or Private Banking relationship | Up to 5 LAK points per SAR | Official Portal |
| Riyad Bank Signature Visa Riyad Bank |
SAR 500 (Excl. 15% VAT) annually. Free for Riyad Bank Private / Priority Banking clients. | 2% | SAR 15,000 published minimum salary requirement | Up to 3.5 Hassad points per SAR | Official Portal |
| Riyad Bank Infinite Visa Card Riyad Bank |
SAR 1,000 (Excl. 15% VAT) annually. Free for Riyad Bank Private Banking clients. | 2% | SAR 25,000 published minimum salary requirement | Up to 5 Hassad points per SAR | Official Portal |
| Riyad Bank Cashback Visa Signature Islamic Credit Card Riyad Bank |
SAR 500 (Excl. 15% VAT) annually. Replaced legacy Platinum tier with Signature benefits. | 2% | SAR 10,000 published minimum salary requirement | Up to 10% on dining and groceries | Official Portal |
| SAB Premier Mastercard Saudi Awwal Bank (SAB) |
SAR 0 Free for life for SAB Premier Banking clients | 2.75% | Underwriting requirement based on affluent relationship / credit assessment | Up to 3 SAB ICS points per SAR | Official Portal |
| SAB AlFursan Black Mastercard Saudi Awwal Bank (SAB) |
SAR 950 (Excl. 15% VAT) annually | 2.75% | SAR 25,000 published minimum salary requirement | 1 Mile per SAR 1.5 - 3 spent | Official Portal |
| SAB Cashback Platinum Mastercard Saudi Awwal Bank (SAB) |
SAR 250 (Excl. 15% VAT) annually. First year free; waived upon spending SAR 15,000 annually. | 2% | SAR 5,000 published minimum salary requirement | Up to 10% on dining & groceries | Official Portal |
| BSF Janna Visa Infinite Card Banque Saudi Fransi (BSF) |
SAR 1,000 (Excl. 15% VAT) annually. Free for BSF Privilege / Private Banking clients. | 2.75% | Underwriting requirement based on affluent relationship / credit assessment | Up to 5 Janna points per SAR | Official Portal |
| BSF AlFursan Visa Signature Card Banque Saudi Fransi (BSF) |
SAR 500 (Excl. 15% VAT) annually | 2.75% | SAR 15,000 published minimum salary requirement | 1 Mile per SAR 2 - 3 spent | Official Portal |
| BSF Cashback Platinum Visa Banque Saudi Fransi (BSF) |
SAR 200 (Excl. 15% VAT) annually. First year fee free; waived upon spending SAR 12,000 annually. | 2.75% | SAR 5,000 published minimum salary requirement | Up to 10% on dining and fuel | Official Portal |
| Alinma Platinum Visa Credit Card Alinma Bank |
SAR 100 (Excl. 15% VAT) annually. Waived upon SAR 12,000 annual spend or Diamond account. | 2.7% | SAR 7,000 published minimum salary requirement | Up to 5 Akthr points per SAR | Official Portal |
| Alinma Infinite Visa Card Alinma Bank |
SAR 1,000 (Excl. 15% VAT) annually. Waived for Alinma Diamond Banking. | 2.7% | Underwriting requirement based on affluent relationship / credit assessment | Up to 10 Akthr points per SAR | Official Portal |
| Alinma AlFursan Visa Signature Card Alinma Bank |
SAR 500 (Excl. 15% VAT) annually | 2.7% | SAR 15,000 published minimum salary requirement | 1 Mile per SAR 2 - 3 spent | Official Portal |
| Bank AlJazira AlFursan Infinite Visa Bank AlJazira |
SAR 1,000 (Excl. 15% VAT) annually. Discounted for Diamond banking status. | 2.75% | Underwriting requirement based on affluent relationship / credit assessment | 1 Mile per SAR 2 - 3 spent | Official Portal |
| Bank AlJazira Cashback World Mastercard Bank AlJazira |
SAR 400 (Excl. 15% VAT) annually. First year free; renewal waived on SAR 20,000 annual spend. | 2.75% | SAR 10,000 published minimum salary requirement | Up to 10% on dining and groceries | Official Portal |
| Bank AlJazira Platinum Mastercard Bank AlJazira |
SAR 200 (Excl. 15% VAT) annually. First year free; renewal waived on SAR 10,000 annual spend. | 2.75% | SAR 5,000 published minimum salary requirement | Up to 2 AlJazira Rewards points per SAR | Official Portal |
| Bank AlBilad Tamayuz Infinite Visa Bank AlBilad |
SAR 1,000 (Excl. 15% VAT) annually. Waived for Tamayuz priority account holders. | 2.75% | Underwriting requirement based on affluent relationship / credit assessment | Up to 5 Mukafaat AlBilad points per SAR | Official Portal |
| Bank AlBilad Signature Visa Card Bank AlBilad |
SAR 500 (Excl. 15% VAT) annually. Waived on annual spend of SAR 25,000. | 2.75% | SAR 15,000 published minimum salary requirement | Up to 3.5 Mukafaat points per SAR | Official Portal |
| Bank AlBilad Platinum Visa Card Bank AlBilad |
Free for life with no annual renewal fees | 2.75% | SAR 4,000 published minimum salary requirement | 1.5 Mukafaat points per SAR | Official Portal |
| ANB Travel Platinum Mastercard Arab National Bank (ANB) |
SAR 0 Lifetime Free (No Annual Fee confirmed by issuer) | 2.75% | SAR 5,000 published minimum salary requirement | Multi-currency Wallet conversion rate advantages | Official Portal |
| ANB Infinite Visa Card Arab National Bank (ANB) |
SAR 1,000 (Excl. 15% VAT) annually. Waived for ANB Mubarak Priority Banking. | 2.75% | Underwriting requirement based on affluent relationship / credit assessment | Up to 5 ANB Rewards points per SAR | Official Portal |
| ANB Cashback Visa Platinum Arab National Bank (ANB) |
SAR 200 (Excl. 15% VAT) annually. First year free; renewal waived on SAR 10,000 annual spend. | 2.75% | SAR 5,000 published minimum salary requirement | Up to 5% monthly cashback | Official Portal |
| SAIB Infinite Visa Card Saudi Investment Bank (SAIB) |
SAR 1,000 (Excl. 15% VAT) annually. Free for SAIB Asalah Priority Banking status. | 2% | Underwriting requirement based on affluent relationship / credit assessment | Up to 5 Wooq points per SAR | Official Portal |
| SAIB Signature Visa Card Saudi Investment Bank (SAIB) |
SAR 500 (Excl. 15% VAT) annually. Free for Asalah Priority Banking clients. | 2% | SAR 15,000 published minimum salary requirement | Up to 3.5 Wooq points per SAR | Official Portal |
| Emirates NBD Mazeed Cashback Visa Platinum Emirates NBD Saudi Arabia |
SAR 250 (Excl. 15% VAT) annually. First year free; renewal waived on SAR 15,000 annual spend. | 2.75% | SAR 5,000 published minimum salary requirement | Up to 10% on fuel, dining, and cafes | Official Portal |
| Emirates NBD Infinite Visa Card Emirates NBD Saudi Arabia |
SAR 1,000 (Excl. 15% VAT) annually. Waived for Priority Banking clientele. | 2.75% | Underwriting requirement based on affluent relationship / credit assessment | Up to 5 Plus Points per SAR | Official Portal |
| American Express AlFursan Credit Card American Express Saudi Arabia |
SAR 950 (Excl. 15% VAT) annually | 2.75% | SAR 15,000 published minimum salary requirement | 1 Mile per USD 1 spent | Official Portal |
| American Express Gold Credit Card American Express Saudi Arabia |
SAR 500 (Excl. 15% VAT) annually | 2.75% | SAR 10,000 published minimum salary requirement | 1 Membership Rewards point per USD 1 spent | Official Portal |