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Islamic Credit Cards
Countries:United Arab Emirates101Malaysia88Saudi Arabia111Pakistan8Indonesia10Qatar38All countries

Gulf

Islamic credit cards in Saudi Arabia

Every Shariah-compliant credit card we can verify from 12 issuers, with the contract behind each one and the fee schedule it came from.

Cards indexed

111

Issuers

12

With no annual fee

12

Currency

SAR

How the Saudi market works

The market

Saudi Arabia is the largest Islamic banking market in the world and its whole retail market is Shariah-compliant, which makes it the most misunderstood market in this data set: there is no separate 'Islamic' shelf to shop from, because there is nothing else on the shelf. It is also NOT an Ujrah market, unlike most of the Gulf — but nor is it uniform. Across the ten issuers covered, the split is: MURABAHA at Al Rajhi Bank and STC Bank; TAWARRUQ at Saudi National Bank, Bank AlJazira, Saudi Awwal Bank and Arab National Bank; Murabaha at issuance for part of Bank Albilad's range; and NO NAMED CONTRACT at all at Alinma Bank, Riyad Bank and meem, all of which market their cards as Shariah-compliant without stating the underlying contract. Al Rajhi, the world's largest Islamic bank, states in its card terms that it grants the cardholder 'a Shari'a compliant Murabaha Finance' which it deposits into a segregated card account that the bank may not use and that is expressly not a loan to the bank; on repayment the bank 'undertakes to return a portion of the monthly profit of the Murabaha Finance, subject to the absolute discretion of the Bank' — an ibra' (rebate) that is discretionary rather than contractual. Saudi Awwal Bank documents the Tawarruq alternative just as explicitly, executing a FUDOLY commodity sale when the minimum payment option is used and none at all if the balance is settled in full. Bai' al-Inah, permitted in Malaysia, appears in no Saudi card documentation reviewed.

Who decides what is compliant

There is no national Shariah board for banking. SAMA regulates all banks under a single, structurally conventional rulebook that does not contain a Shariah-compliance article, and each bank runs its own Shariah board or Shariah committee (Al Rajhi Bank Shariah Board, Alinma Bank Shariah Board, STC Bank Shariah Committee, and so on) which approves its card contracts. In practice the entire Saudi retail banking market operates on Shariah-compliant contracts, so 'Saudi Islamic credit card' and 'Saudi credit card' describe the same set of products.

Rules that limit you

  • Article 48 caps the maximum fee (excluding VAT) on nine card transactions: ATM cash withdrawal 3% capped at SAR 75; cash withdrawal by transfer to current account 3% capped at SAR 75; e-wallet recharge free; wrong dispute SAR 25; credit card balance inquiry at an ATM SAR 1.5; local POS and online purchases free; card reissuance (lost, damaged, incorrect PIN) SAR 15; late payment SAR 50; international purchase transaction 2% of the transaction amount.
  • Article 17(1): a card issuer is prohibited from charging late payment fees without granting a grace period of at least 25 days from the account statement issuance date.
  • Article 17(2): the monthly minimum payment may not be reduced below 5% of the amount due. Article 17(3): the issuer may not force the customer to pay only the minimum, and must make all payment options available including payment in full.
  • A 'Grace Period' is defined as the period within which credit extended for purchases may be repaid without incurring a term cost — so term cost is avoided entirely by settling in full within the grace period.
  • Card issuers are prohibited from increasing the term cost on an amount due as a result of delinquency or default.

The contracts Saudi banks use

The contract is the whole difference between an Islamic card and a conventional one. These are the structures in use here.

Murabahah26Qard Hasan5Tawarruq65

Where to start

Lowest published rate

Bank Albilad

Infinite Credit Card

Mukafaat Albilad points plus the full Visa Infinite benefit set

Annual fee
SAR 540.50
Profit rate
0% /mo
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

No annual fee

Riyad Bank

DufaatPlus Credit Card

Every transaction automatically split into 4 interest-free instalments

Annual fee
No annual fee
Profit rate
0% /mo
Minimum income
Not published
Structure
Not stated

Full breakdown

Narrow it down

Each list applies one rule to every card on sale here and shows what passes. A filter, not a ranking.

No annual fee12 cardsCashback18 cardsLowest minimum income4 cards
How these lists are built

Every issuer in Saudi Arabia

Al Rajhi Bank

9 cards · fully Islamic bank

From SAR 250 a year

Alinma Bank

13 cards · fully Islamic bank

From SAR 100 a year

Arab National Bank (anb)

14 cards · Islamic window

From SAR 75 a year

Bank Albilad

11 cards · fully Islamic bank

From SAR 115 a year · 1.8% profit rate

Bank AlJazira

12 cards · fully Islamic bank

From SAR 50 a year

Banque Saudi Fransi (BSF)

0 cards · Islamic window

D360 Bank

0 cards · fully Islamic bank

meem (Gulf International Bank – Saudi Arabia)

4 cards · fully Islamic bank

Riyad Bank

15 cards · Islamic window

From No annual fee a year · 0% profit rate

Saudi Awwal Bank (SAB)

15 cards · Islamic window

From No annual fee a year · 0% profit rate

Saudi National Bank

14 cards · fully Islamic bank

From No annual fee a year · 2.8% profit rate

STC Bank

4 cards · fully Islamic bank

From SAR 250 a year · 2.75% profit rate

All 111 Islamic credit cards in Saudi Arabia

Al Rajhi Bank

AlFursan Infinite Credit Card

Up to 170,000 bonus and reward AlFursan miles

Annual fee
SAR 1,000
Profit rate
2.5% /mo
Minimum income
Not published
Structure
Murabahah
Air miles

Full breakdown

Al Rajhi Bank

AlFursan Platinum Credit Card

Up to 20,000 bonus AlFursan reward miles on SAR 35,000 spend in the first year

Annual fee
SAR 490
Profit rate
2.5% /mo
Minimum income
Not published
Structure
Murabahah
Air miles

Full breakdown

Al Rajhi Bank

Infinite Credit Card

150,000 welcome mokafaa points on SAR 25,000 spend in the first 90 days

Annual fee
SAR 990
Profit rate
2.5% /mo
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

Al Rajhi Bank

Platinum Cashback Plus Card

Annual fee
SAR 250
Profit rate
Not published
Minimum income
Not published
Structure
Murabahah
Cashback

Full breakdown

Al Rajhi Bank

Platinum Charge Credit Card

1 mokafaa point per SAR 1 domestic, 3 points international

Annual fee
SAR 370
Profit rate
Not published
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Al Rajhi Bank

Platinum Credit Card

25,000 welcome mokafaa points on SAR 15,000 spend in the first 90 days

Annual fee
SAR 490
Profit rate
2.5% /mo
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

Al Rajhi Bank

SELECTIVE Credit Card

75,000 welcome mokafaa points on SAR 25,000 spend in the first 90 days

Annual fee
SAR 790
Profit rate
2.5% /mo
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

Al Rajhi Bank

Signature Cashback Plus Card

Up to 15% cashback on food delivery and 10% on dining

Annual fee
SAR 450
Profit rate
2.5% /mo
Minimum income
Not published
Structure
Murabahah
Cashback

Full breakdown

Al Rajhi Bank

Signature Credit Card

75,000 welcome mokafaa points on SAR 25,000 spend in the first 90 days

Annual fee
SAR 790
Profit rate
2.5% /mo
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

Alinma Bank

AlFursan Infinite Credit Card

Up to 142,500 total welcome and annual Miles

Annual fee
SAR 300
Profit rate
Not published
Minimum income
Not published
Structure
Murabahah
Air miles

Full breakdown

Alinma Bank

AlFursan Platinum Credit Card

Up to 24,500 Miles as welcome, monthly and annual bonuses

Annual fee
SAR 100
Profit rate
Not published
Minimum income
Not published
Structure
Murabahah
Air miles

Full breakdown

Alinma Bank

AlFursan Signature Credit Card

25,000 welcome Miles plus up to 66,000 monthly bonus Miles a year

Annual fee
SAR 250
Profit rate
Not published
Minimum income
Not published
Structure
Murabahah
Air miles

Full breakdown

Alinma Bank

Classic Credit Card (Charge Card)

akthr loyalty points on every purchase

Annual fee
Not published
Profit rate
Not published
Minimum income
Not published
Structure
Qard Hasan
Reward points

Full breakdown

Alinma Bank

Gold Credit Card (Charge Card)

akthr loyalty points on every purchase

Annual fee
Not published
Profit rate
Not published
Minimum income
Not published
Structure
Qard Hasan
Reward points

Full breakdown

Alinma Bank

Infinite Credit Card

7 akthr points per SAR 1 international, 6 per SAR 1 local

Annual fee
SAR 300
Profit rate
Not published
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

Alinma Bank

Infinite Credit Card (Charge Card)

akthr loyalty points on every purchase

Annual fee
Not published
Profit rate
Not published
Minimum income
Not published
Structure
Qard Hasan
Reward points

Full breakdown

Alinma Bank

Platinum Credit Card

6 akthr points per SAR 1 international, 4 per SAR 1 local

Annual fee
SAR 100
Profit rate
Not published
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

Alinma Bank

Platinum Credit Card (Charge Card)

akthr loyalty points on every purchase

Annual fee
Not published
Profit rate
Not published
Minimum income
Not published
Structure
Qard Hasan
Reward points

Full breakdown

Alinma Bank

Signature Credit Card

7 akthr points per SAR 1 international, 5 per SAR 1 local

Annual fee
SAR 250
Profit rate
Not published
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

Alinma Bank

Signature Credit Card (Charge Card)

akthr loyalty points on every purchase

Annual fee
Not published
Profit rate
Not published
Minimum income
Not published
Structure
Qard Hasan
Reward points

Full breakdown

Alinma Bank

Travel akthr Infinite Credit Card

50,000 welcome akthr points and 8 points per riyal on international travel

Annual fee
SAR 300
Profit rate
Not published
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

Alinma Bank

Travel akthr Signature Credit Card

20,000 welcome akthr points and 7 points per riyal on international travel

Annual fee
SAR 250
Profit rate
Not published
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

Arab National Bank

AlFursan VISA Infinite Credit Card

More than a quarter of a million Miles on the anb marketing page

Annual fee
SAR 2,000
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq
Air miles

Full breakdown

Arab National Bank

AlFursan VISA Signature Credit Card

Up to 160,000 Miles on the anb marketing page

Annual fee
SAR 1,000
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq
Air miles

Full breakdown

Arab National Bank

anb Low-limit Credit Card

No rewards programme is published for the low-limit cards.

Annual fee
SAR 100
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Arab National Bank

Cashback Digital Card

anb markets this as a cashback card but publishes no cashback rate, tier table or cap on any English page located.

Annual fee
SAR 100
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Arab National Bank

Currencies Card

Multiple currencies in one card - 5 free currencies, digital issuance

Annual fee
SAR 75
Profit rate
Not published
Minimum income
Not published
Structure
Not stated

Full breakdown

Arab National Bank

MasterCard World Credit Card

anb rewards points on card spend; anb does not publish a per-card earn rate on any English page located.

Annual fee
SAR 700
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Arab National Bank

Platinum Low-limit Credit Card

No rewards programme is published for the low-limit cards.

Annual fee
SAR 150
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Arab National Bank

Platinum MasterCard Credit Card

anb rewards points on card spend; anb does not publish a per-card earn rate on any English page located.

Annual fee
SAR 350
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Arab National Bank

Titanium MasterCard Credit Card

anb rewards points on card spend; anb does not publish a per-card earn rate on any English page located.

Annual fee
SAR 200
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Arab National Bank

Visa Classic Credit Card

anb rewards points on card spend; anb does not publish a per-card earn rate on any English page located.

Annual fee
SAR 200
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Arab National Bank

Visa Infinite Credit Card

anb rewards points on card spend; anb does not publish a per-card earn rate on any English page located.

Annual fee
SAR 850
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Arab National Bank

VISA Infinite Privilege / MasterCard World Elite Credit Card

anb rewards points on card spend; anb does not publish a per-card earn rate on any English page located.

Annual fee
SAR 3,000
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Arab National Bank

Visa Platinum Credit Card

anb rewards points on card spend; anb does not publish a per-card earn rate on any English page located.

Annual fee
SAR 300
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Arab National Bank

Visa Signature Credit Card

anb rewards points on card spend; anb does not publish a per-card earn rate on any English page located.

Annual fee
SAR 450
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Bank Albilad

Infinite Credit Card

Mukafaat Albilad points plus the full Visa Infinite benefit set

Annual fee
SAR 540.50
Profit rate
0% /mo
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Bank Albilad

Platinum Credit Card

Mukafaat Albilad loyalty points plus Visa Platinum lifestyle privileges

Annual fee
SAR 425.50
Profit rate
0% /mo
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Bank Albilad

Signature Credit Card

Mukafaat Albilad points plus the full Visa Signature travel benefit set

Annual fee
SAR 483
Profit rate
0% /mo
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Bank Albilad

Silver Credit Card

Mukafaat Albilad loyalty points

Annual fee
SAR 195.50
Profit rate
0% /mo
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Bank Albilad

Tamkeen Credit Card

Annual fee
SAR 770.50
Profit rate
0% /mo
Minimum income
Not published
Structure
Not stated

Full breakdown

Bank Albilad

Tamkeen Plus Classic Credit Card

Mukafaat Albilad loyalty points

Annual fee
SAR 115
Profit rate
1.8% /mo
Minimum income
SAR 3,000 a month
Structure
Murabahah
Reward points

Full breakdown

Bank Albilad

Tamkeen Plus Infinite Credit Card

250,000 Mukafaat Albilad welcome points

Annual fee
SAR 575
Profit rate
1.8% /mo
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

Bank Albilad

Tamkeen Plus Platinum Credit Card

15,000 Mukafaat Albilad welcome points

Annual fee
SAR 115
Profit rate
1.8% /mo
Minimum income
SAR 3,000 a month
Structure
Murabahah
Reward points

Full breakdown

Bank Albilad

Tamkeen Plus Signature Credit Card

75,000 Mukafaat Albilad welcome points

Annual fee
SAR 345
Profit rate
1.8% /mo
Minimum income
SAR 3,000 a month
Structure
Murabahah
Reward points

Full breakdown

Bank Albilad

Travel Pass Infinite Credit Card (Visa)

300,000 welcome points on first purchase; 9 points per SAR 1 international, 7 local, 6 in Europe

Annual fee
SAR 1,150
Profit rate
Not published
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

Bank Albilad

Travel Pass Signature Credit Card (Visa)

150,000 welcome points on first purchase; 7 points per SAR 1 international, 6 points local

Annual fee
SAR 575
Profit rate
Not published
Minimum income
Not published
Structure
Murabahah
Reward points

Full breakdown

Bank AlJazira

Ajwaa Visa Digital Credit Card

1 Ajwaa reward point per SAR 1 spent internationally

Annual fee
SAR 50
Profit rate
Not published
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Bank AlJazira

Ajwaa Visa Infinite Credit Card

3.5 Ajwaa reward points per SAR 1 spent internationally - the highest earn rate in the range

Annual fee
SAR 900
Profit rate
2.5% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Bank AlJazira

Ajwaa Visa Platinum Credit Card

2.25 Ajwaa reward points per SAR 1 spent internationally; free lounge access at 25 airports

Annual fee
SAR 300
Profit rate
2.9% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Bank AlJazira

Ajwaa Visa Plus Credit Card

2.25 Ajwaa reward points per SAR 1 spent internationally; lounge access for you and 2 guests at 1,200+ airports

Annual fee
SAR 200
Profit rate
2.9% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Bank AlJazira

Ajwaa Visa Signature Credit Card

3 Ajwaa reward points per SAR 1 spent internationally; lounge access for you and 2 guests at 1,200+ airports

Annual fee
SAR 500
Profit rate
2.5% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Bank AlJazira

Mastercard Platinum Credit Card

1.13 Ajwaa reward points per SAR 1 spent internationally; 8 complimentary lounge visits a year

Annual fee
SAR 200
Profit rate
2.9% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Bank AlJazira

Mastercard World Elite Credit Card

1.75 Ajwaa reward points per SAR 1 spent internationally; unlimited lounge access at 1,000+ airports

Annual fee
SAR 1,000
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Bank AlJazira

Tomoh Low-Limit Credit Card

Annual fee
SAR 100
Profit rate
Not published
Minimum income
Not published
Structure
Not stated

Full breakdown

Bank AlJazira

Visa Classic Credit Card

0.75 Ajwaa reward points per SAR 1 spent internationally

Annual fee
SAR 150
Profit rate
2.9% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Bank AlJazira

Visa Infinite Credit Card

1.75 Ajwaa reward points per SAR 1 spent internationally; lounge access for you and 2 guests at 1,200+ airports

Annual fee
SAR 700
Profit rate
2.5% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Bank AlJazira

Visa Multi-currency Credit Card

Ajwaa loyalty rewards on a multi-currency card

Annual fee
SAR 75
Profit rate
Not published
Minimum income
Not published
Structure
Not stated
Reward points

Full breakdown

Bank AlJazira

Visa Platinum Credit Card

1.13 Ajwaa reward points per SAR 1 spent internationally, plus free access to 25 lounges

Annual fee
SAR 200
Profit rate
2.9% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

meem (Gulf International Bank – Saudi Arabia)

meem Go Credit Card

Annual fee
Not published
Profit rate
Not published
Minimum income
Not published
Structure
Not stated
Cashback

Full breakdown

meem (Gulf International Bank – Saudi Arabia)

meem Infinite Card

Annual fee
Not published
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

meem (Gulf International Bank – Saudi Arabia)

meem Platinum Credit Card

Annual fee
Not published
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

meem (Gulf International Bank – Saudi Arabia)

meem Signature Card

Annual fee
Not published
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Riyad Bank

Al-Hilal Mastercard Platinum Credit Card

Cashback on every purchase plus Al-Hilal club benefits

Annual fee
SAR 100
Profit rate
39.95%
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Riyad Bank

Al-Hilal Mastercard World Credit Card

Cashback on every purchase plus Al-Hilal club benefits

Annual fee
SAR 350
Profit rate
40.72%
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Riyad Bank

Al-Hilal Mastercard World Elite Credit Card

Cashback on every purchase plus Al-Hilal club benefits

Annual fee
SAR 1,000
Profit rate
42.76%
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Riyad Bank

AlFursan Visa Infinite Credit Card

45,000 AlFursan Miles on activation plus up to 1 Mile per SAR 1.5 spent

Annual fee
SAR 2,000
Profit rate
2.2% /mo
Minimum income
Not published
Structure
Tawarruq
Air miles

Full breakdown

Riyad Bank

AlFursan Visa Signature Credit Card

25,000 AlFursan Miles on activation plus up to 1 Mile per SAR 2.5 spent

Annual fee
SAR 1,000
Profit rate
2.35% /mo
Minimum income
Not published
Structure
Tawarruq
Air miles

Full breakdown

Riyad Bank

Cashback Visa Signature Islamic Credit Card

Up to 10% cashback on selected categories, tiered by monthly spend

Annual fee
SAR 500
Profit rate
2.5% /mo
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Riyad Bank

Dream Islamic Credit Card

Earn miles or points directly with a chosen travel partner - one card, ten partners

Annual fee
SAR 1,300
Profit rate
3.1% /mo
Minimum income
Not published
Structure
Not stated
Mixed rewards

Full breakdown

Riyad Bank

DufaatPlus Credit Card

Every transaction automatically split into 4 interest-free instalments

Annual fee
No annual fee
Profit rate
0% /mo
Minimum income
Not published
Structure
Not stated

Full breakdown

Riyad Bank

Mastercard Platinum Credit Card

1 Hassad Point per SAR 1 domestic, 1.5 per SAR 1 international

Annual fee
SAR 390
Profit rate
2.55% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Riyad Bank

Supplementary Islamic Credit Card

A family card with its own credit limit, separate from the primary cardholder's limit

Annual fee
Not published
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Riyad Bank

Titanium Islamic Credit Card

20 complimentary Hassad points on activation and 400 bonus points on SAR 5,000 spend in 3 months

Annual fee
SAR 290
Profit rate
2.55% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Riyad Bank

Visa Platinum Islamic Card

50 complimentary Hassad points on activation and 800 bonus points on SAR 8,000 spend in 3 months

Annual fee
SAR 390
Profit rate
2.55% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Riyad Bank

Visa Signature Islamic Card

Up to 1.5% back in Hassad points plus 200 complimentary points on enrolment

Annual fee
SAR 500
Profit rate
2.5% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Riyad Bank

World Elite Islamic Mastercard Credit Card

Up to 2.5% back in Hassad points plus 500 complimentary points on enrolment

Annual fee
SAR 1,500
Profit rate
2.2% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Riyad Bank

World Islamic Mastercard Credit Card

Up to 2.5% back in Hassad points plus 500 complimentary points on enrolment

Annual fee
SAR 750
Profit rate
2.35% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Saudi Awwal Bank

AQSAT Credit Card

Every purchase automatically split into 3 profit-free instalments

Annual fee
No annual fee
Profit rate
0% /mo
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Saudi Awwal Bank

Household Salary Card

Prepaid salary card for domestic workers and household staff

Annual fee
SAR 90
Profit rate
Not published
Minimum income
Not published
Structure
Not stated

Full breakdown

Saudi Awwal Bank

SAB Advance Visa Credit Card

ICSAB+ Rewards Programme points on card spend; SAB does not publish a per-card earn rate on any English page located.

Annual fee
No annual fee
Profit rate
3% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Saudi Awwal Bank

SAB ALFURSAN Black Card World Elite Mastercard Credit Card

SAUDIA AlFursan co-brand card; SAB does not publish the Miles earn rate on an English page located.

Annual fee
SAR 1,950
Profit rate
3% /mo
Minimum income
Not published
Structure
Tawarruq
Air miles

Full breakdown

Saudi Awwal Bank

SAB Emirates Infinite Visa Credit Card

Emirates Skywards co-brand card; SAB does not publish the Miles earn rate on an English page located.

Annual fee
SAR 750
Profit rate
3% /mo
Minimum income
Not published
Structure
Tawarruq
Air miles

Full breakdown

Saudi Awwal Bank

SAB noon VISA Credit Card

Up to 10% cashback paid as noon credits, plus SAR 250 instant noon credit on the first transaction

Annual fee
SAR 199
Profit rate
3.75% /mo
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Saudi Awwal Bank

SAB Platinum Credit Card

ICSAB+ Rewards Programme points on card spend; SAB does not publish a per-card earn rate on any English page located.

Annual fee
SAR 400
Profit rate
3.25% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Saudi Awwal Bank

SAB Premier Mastercard Credit Card

ICSAB+ Rewards Programme points on card spend; SAB does not publish a per-card earn rate on any English page located.

Annual fee
No annual fee
Profit rate
2.39% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Saudi Awwal Bank

SAB Signature Visa Credit Card

ICSAB+ Rewards Programme points on card spend; SAB does not publish a per-card earn rate on any English page located.

Annual fee
SAR 475
Profit rate
3% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Saudi Awwal Bank

SAB Titanium Mastercard Credit Card

ICSAB+ Rewards Programme points on card spend; SAB does not publish a per-card earn rate on any English page located.

Annual fee
SAR 225
Profit rate
3.25% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Saudi Awwal Bank

SAB Umlaty Multi Currency Card VISA

Hold and spend in up to 18 currencies with the exchange rate shown before you buy

Annual fee
SAR 75
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Saudi Awwal Bank

SAB Visa "My Card" Credit Card

No rewards - the product page states customers cannot earn ICSAB+ points on My Card purchases.

Annual fee
SAR 50
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Saudi Awwal Bank

SAB VISA Cashback Credit Card

1% unlimited domestic cashback, 2% unlimited international, up to 10% on three preferred categories

Annual fee
No annual fee
Profit rate
3.25% /mo
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Saudi Awwal Bank

SAB Visa Classic Credit Card

ICSAB+ Rewards Programme points on card spend; SAB does not publish a per-card earn rate on any English page located.

Annual fee
SAR 225
Profit rate
3.25% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Saudi Awwal Bank

SAB World Elite Exclusive Mastercard Credit Card

ICSAB+ Rewards Programme points on card spend; SAB does not publish a per-card earn rate on any English page located.

Annual fee
SAR 10,000
Profit rate
2.39% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Saudi National Bank

AlAhli Cashback Credit Card

Up to 2% cashback on monthly spend, capped at SAR 200 a month

Annual fee
No annual fee
Profit rate
2.8% /mo
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Saudi National Bank

AlAhli Cashback Premium Credit Card

Up to 11% cashback on fuel, with unlimited overall monthly cashback

Annual fee
SAR 200
Profit rate
3.1% /mo
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

Saudi National Bank

AlAhli Credit Card - Platinum

1.5 LAK points per SAR 1 on both local and international spend

Annual fee
SAR 600
Profit rate
2.95% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Saudi National Bank

AlAhli Credit Card - Titanium

1.0 LAK point per SAR 1 of local spend and 1.5 per SAR 1 of international spend

Annual fee
SAR 400
Profit rate
2.95% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Saudi National Bank

AlAhli Wessam Gold Credit Card - World

2.0 LAK points per SAR 1 on local and international spend, with no annual fee

Annual fee
No annual fee
Profit rate
2.95% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Saudi National Bank

AlAhli Wessam Platinum Credit Card - World

2.0 LAK points per SAR 1 local and 2.5 per SAR 1 international, with no annual fee

Annual fee
No annual fee
Profit rate
2.95% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Saudi National Bank

Alfursan Credit Card - Infinite

1 Alfursan Mile per SAR 2 spent internationally, 1 per SAR 3 locally

Annual fee
SAR 750
Profit rate
2.55% /mo
Minimum income
Not published
Structure
Tawarruq
Air miles

Full breakdown

Saudi National Bank

Alfursan Credit Card - Platinum

1 Alfursan Mile for every SAR 3 spent, locally or internationally

Annual fee
SAR 350
Profit rate
2.55% /mo
Minimum income
Not published
Structure
Tawarruq
Air miles

Full breakdown

Saudi National Bank

Elite World Elite Credit Card

2.0 LAK points per SAR 1 local and 2.5 per SAR 1 international, with no annual fee

Annual fee
No annual fee
Profit rate
Not published
Minimum income
SAR 75,000 a month
Structure
Tawarruq
Reward points

Full breakdown

Saudi National Bank

Flexi Credit Card

Annual fee
No annual fee
Profit rate
0% /mo
Minimum income
Not published
Structure
Not stated

Full breakdown

Saudi National Bank

Global Multi Currency Credit Card

Zero FX markup across 4 default currency wallets, plus LAK Rewards points

Annual fee
SAR 172.50
Profit rate
2.5% /mo
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Saudi National Bank

Private World Elite Credit Card

Annual fee
No annual fee
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq
Reward points

Full breakdown

Saudi National Bank

Private World Legend Credit Card

Annual fee
Not published
Profit rate
Not published
Minimum income
Not published
Structure
Tawarruq

Full breakdown

Saudi National Bank

UEFA Champions League Credit Card

Up to 2% cashback (SAR 200/month cap) on a UEFA Champions League branded card

Annual fee
No annual fee
Profit rate
2.8% /mo
Minimum income
Not published
Structure
Tawarruq
Cashback

Full breakdown

STC Bank

Visa Infinite Credit Card

Local and international cashback

Annual fee
SAR 1,000
Profit rate
2.75% /mo
Minimum income
Not published
Structure
Murabahah
Cashback

Full breakdown

STC Bank

Visa Infinite Privilege Credit Card

Local and international cashback

Annual fee
SAR 10,000
Profit rate
2.75% /mo
Minimum income
Not published
Structure
Murabahah
Cashback

Full breakdown

STC Bank

Visa Platinum Credit Card

Local and international cashback

Annual fee
SAR 250
Profit rate
2.75% /mo
Minimum income
Not published
Structure
Murabahah
Cashback

Full breakdown

STC Bank

Visa Signature Credit Card

Local and international cashback

Annual fee
SAR 750
Profit rate
2.75% /mo
Minimum income
Not published
Structure
Murabahah
Cashback

Full breakdown