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Islamic Credit Cards
Countries:United Arab Emirates101Malaysia88Saudi Arabia111Pakistan8Indonesia10Qatar38All countries

Saudi Arabia · 4 cards

Islamic credit cards with the lowest minimum income in Saudi Arabia

If your income is modest, start here. 4 of the 110 cards on sale in Saudi Arabia publish a minimum income, and all 4 are listed below, lowest first.

How this list is built

Which cards are included
The 12 cards with the lowest minimum monthly income the bank publishes, plus any card tied with the 12th. Cards that publish no minimum income are left out, because we will not guess one.
The order
Lowest minimum monthly income first, then lowest annual fee, then alphabetical by bank and card name.
What this is not
A filter, not a verdict. The order says nothing about which card suits you, and nothing about how sound a card is under Shariah.

106 cards are left out because the bank publishes no minimum income

Of the 110 cards on sale in Saudi Arabia, 106 do not have a published minimum income, so they cannot be placed in this order. That does not mean they have a high one. Ask the bank.

The 4 cards at a glance

CardMinimum incomeAnnual feeProfit rateRewards
Tamkeen Plus Classic Credit CardBank AlbiladSAR 3,000 a monthSAR 1151.8% a monthReward points
Tamkeen Plus Platinum Credit CardBank AlbiladSAR 3,000 a monthSAR 1151.8% a monthReward points
Tamkeen Plus Signature Credit CardBank AlbiladSAR 3,000 a monthSAR 3451.8% a monthReward points
Elite World Elite Credit CardSaudi National BankSAR 75,000 a monthNo annual feeNot publishedReward points

Profit rate is the rate the bank publishes on an unpaid balance, not the APR. Where a bank does not publish a figure we say so rather than estimate it.

Each card in more detail

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 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

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

Other ways to filter cards in Saudi Arabia

No annual fee12 cardsCashback18 cards

This is a reference, not advice

Whether a particular card is acceptable to you is a question for a scholar you trust. We set out what each bank publishes and link the source on every card page so you can check.

Want every card, not a filtered list?

See every card we index in Saudi Arabia, with the issuers and the contracts they use.