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Islamic Credit Cards
Countries:United Arab Emirates101Malaysia88Saudi Arabia111Pakistan8Indonesia10Qatar38All countries

Saudi Arabia · 12 cards

Islamic credit cards with no annual fee in Saudi Arabia

12 of the 110 Islamic credit cards on sale in Saudi Arabia have a published annual fee of zero. Use this list to see which ones, then check the profit rate and the conditions before you apply.

How this list is built

Which cards are included
The bank's published annual fee for the main card is zero. Some banks attach a condition to that, such as a spending target from the second year. Where the bank states one, it is printed under the fee.
The order
Alphabetical by bank, then by card name. Every card here has a published annual fee of zero, so there is no fee to rank them by. Check any condition printed under a fee: some are free only in the first year, or only if you spend a set amount.
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.

The 12 cards at a glance

CardAnnual feeProfit rateMinimum incomeRewards
DufaatPlus Credit CardRiyad BankNo annual fee0% a monthNot publishedNone
AQSAT Credit CardSaudi Awwal BankNo annual fee0% a monthNot publishedNone
SAB Advance Visa Credit CardSaudi Awwal BankNo annual fee3% a monthNot publishedReward points
SAB Premier Mastercard Credit CardSaudi Awwal BankNo annual fee2.39% a monthNot publishedReward points
SAB VISA Cashback Credit CardSaudi Awwal BankNo annual fee3.25% a monthNot publishedCashback
AlAhli Cashback Credit CardSaudi National BankNo annual feeCondition: Free for the first card; SAR 100 for an additional primary card.2.8% a monthNot publishedCashback
AlAhli Wessam Gold Credit Card - WorldSaudi National BankNo annual feeCondition: Exempt for Wessam-segment customers; SAR 300 applies to a second card.2.95% a monthNot publishedReward points
AlAhli Wessam Platinum Credit Card - WorldSaudi National BankNo annual feeCondition: Exempt for Wessam Platinum segment customers.2.95% a monthNot publishedReward points
Elite World Elite Credit CardSaudi National BankNo annual feeCondition: Exempt for Elite / Private Banking segment customers.Not publishedSAR 75,000 a monthReward points
Flexi Credit CardSaudi National BankNo annual fee0% a monthNot publishedNone
Private World Elite Credit CardSaudi National BankNo annual feeCondition: Exempt for SNB Private Banking customers.Not publishedNot publishedReward points
UEFA Champions League Credit CardSaudi National BankNo annual fee2.8% a monthNot publishedCashback

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

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

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

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 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 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 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 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

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

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

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

Other ways to filter cards in Saudi Arabia

Cashback18 cardsLowest minimum income4 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.