Best Credit Cards in Saudi Arabia 2025

SABB – Qitaf Credit Card

Perfect for STC customers seeking comprehensive telecom and digital lifestyle benefits.

Key Features

• Up to 2% Qitaf Points on all purchases
• Double points on STC services
• Instant point redemption
• Digital wallet integration

Eligibility Requirements

• Minimum monthly salary: SAR 7,000
• Saudi national or resident with valid Iqama
• Clean credit history
• Age: 21-60 years

Fees

• Annual Fee: SAR 200 (waived first year)
• Foreign Transaction Fee: 2.75%
• Supplementary Card Fee: Free for first card

VISA Infinite Tawafoq (Banque Saudi Fransi)

Shariah-compliant premium card with extensive travel and lifestyle benefits.

Key Features

• Shariah-compliant structure
• Premium travel insurance
• Global airport lounge access
• Concierge service

Eligibility Requirements

• Minimum monthly salary: SAR 35,000
• Saudi national or resident with valid Iqama
• Excellent credit history
• Age: 21-60 years

Fees

• Annual Fee: SAR 1,000 (waived for premium customers)
• Foreign Transaction Fee: 2.5%
• Supplementary Card Fee: Free for up to 3 cards

Lifestyle Credit Card (Banque Saudi Fransi)

Designed for those who enjoy dining, shopping, and entertainment experiences.

Key Features

• Up to 5% cashback on lifestyle spending
• Entertainment discounts
• Shopping privileges
• Dining benefits

Eligibility Requirements

• Minimum monthly salary: SAR 10,000
• Saudi national or resident with valid Iqama
• Good credit history
• Age: 21-60 years

Fees

• Annual Fee: SAR 300 (waived first year)
• Foreign Transaction Fee: 2.75%
• Supplementary Card Fee: SAR 100 per card

Card Comparison

How to Choose the Right Card

When choosing a credit card in Saudi Arabia, consider the following factors:

• Spending Patterns: Match the card's rewards to your spending habits
• Annual Fees: Ensure the benefits outweigh the costs
• Income Requirements: Check if you meet the eligibility criteria
• Islamic Banking: Choose Shariah-compliant options if needed
• Additional Benefits: Consider travel insurance, lounge access, etc.