Best Credit Cards in Saudi Arabia (2026): Compare Fees & Rewards
Compare the best credit cards in Saudi Arabia across 12 banks and 35 verified products. Analyze cashback rates, AlFursan miles, FX charges, lounge access, and true costs based on your spending.
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 |