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
| Feature | SABB Qitaf | VISA Infinite Tawafoq | Lifestyle Card |
|---|---|---|---|
| Target Audience | Digital & Telecom Users | Premium Islamic Banking | Lifestyle Enthusiasts |
| Min. Salary Requirement | SAR 7,000 | SAR 35,000 | SAR 10,000 |
| Annual Fee | SAR 200 | SAR 1,000 | SAR 300 |
| Key Benefit | Qitaf Points | Travel & Premium Services | Lifestyle Cashback |
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.
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