Best Credit Cards in Saudi Arabia 2026

Looking for a credit card in Saudi Arabia in 2026? We hold verified data on 51 credit cards in Saudi Arabia and show the top 15 here. Every figure below is printed from the record Buzdy holds for that product, taken from the issuer's own published material — where a bank does not publish a number, this guide says Not published rather than guessing. We link the exact issuer page under Sources for every product where we have recorded it; for the rest we hold the figure but not the page, and say so.

How this list is ordered. Ranked on the data we actually hold: cards with no annual fee first, then by how many benefits we can verify from the issuer's own product page, then by the lowest published interest rate, then by the lowest published minimum income. We then rotate one card per bank so a single issuer cannot fill the list.

This is not a complete list of every credit card sold in Saudi Arabia. It is the set Buzdy has verified data for, from 6 issuers, as of August 2, 2026.

Quick Comparison: 15 Credit Cards in Saudi Arabia

Side by side, in the order explained above. Tap any name for the full product page.

The 15 Credit Cards in Detail

1. SABB Advance Credit Card

Bank: The Saudi British Bank (SABB)

• Annual fee: No annual fee
• Interest rate: 28.68% per month
• Minimum income: Not published
• Verified benefits: Airport lounge, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards, Sharia compliant

SABB Advance Visa Platinum credit card offers you many advantages while travelling at competitive profit rates.

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2. Al Ahli Cashback Credit Card

Bank: Saudi National Bank

• Annual fee: No annual fee
• Interest rate: 23.88% per month
• Minimum income: Not published
• Verified benefits: Cashback, Dining offers, Digital wallet, Shopping offers, Supplementary cards, Sharia compliant

Al Ahli Cashback Credit Card product that was designed to offer unique experiences along with the common features on all our products.

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3. VISA Gold

Bank: Banque Saudi Fransi

• Annual fee: SAR 200 (SAR 200)
• Interest rate: 18.96% per month
• Minimum income: Not published
• Verified benefits: Airport lounge, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards, Sharia compliant

This is the card for your everyday purchases with extra peace of mind. May it be for groceries, restaurants and the needed vacations.

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4. Ajwaa Infinite Credit Card

Bank: Bank AlJazira

• Annual fee: SAR 1,500 (S.R 1,500)
• Interest rate: 18.96% per month
• Minimum income: Not published
• Verified benefits: Airport lounge, Travel benefits, Dining offers, Shopping offers, Entertainment, Hotel offers, Supplementary cards, Sharia compliant

The Bank AlJazira Ajwaa Infinite Credit Card earns 3 points per SAR 1 spent with up to 150,000 free welcome air miles on activation. Enjoy unlimited complimentary access to 500+ airport lounges for you and a guest, redeem miles at 600+ airlines worldwide, and get 48-hour emergency card replacement anywhere. The ulti...

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5. Platinum Credit Card

Bank: Alinma Bank Saudia Arabia

• Annual fee: Not published
• Interest rate: 22.8% per month
• Minimum income: Not published
• Verified benefits: Airport lounge, Travel benefits, Dining offers, Digital wallet, Shopping offers, Hotel offers, Supplementary cards, Sharia compliant

We offer you the Fully Sharia compliant Alinma credit card that offers you freedom of use inside or outside the Kingdom in POS and online purchases, with the possibility of paying the card dues in easy monthly installments.

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6. Titanium Islamic Credit Card

Bank: Riyad Bank

• Annual fee: Not published
• Interest rate: 23.88% per month
• Minimum income: Not published
• Verified benefits: Airport lounge, Rewards points, Travel benefits, Digital wallet, Shopping offers, Supplementary cards, Sharia compliant

Riyad Bank Titanium Credit Card Mastercard offers high flexibility and convenience to the travel enthusiast. It is designed to reward you with offers and special discounts at selected shops, restaurants and hotels worldwide.

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7. SABB Platinum Credit Card

Bank: The Saudi British Bank (SABB)

• Annual fee: SAR 460 (SAR 460)
• Interest rate: 28.68% per month
• Minimum income: Not published
• Verified benefits: Airport lounge, Cashback, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards, Sharia compliant

SABB’s Platinum Credit Card is designed for people who keep working even when they are on the move.

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8. ALFURSAN Visa Platinum

Bank: Saudi National Bank

• Annual fee: SAR 350 (SAR 350)
• Interest rate: 23.88% per month
• Minimum income: Not published
• Verified benefits: Airport lounge, Cashback, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards, Sharia compliant

What distinguishes Alfursan Credit Card from other credit cards is that it is specifically tailored for travel lovers. It offers you the best miles earning program, enabling you to earn Alfursan miles on your daily purchases. The miles are automatically deposited into your Alfursan membership.

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9. VISA Gold Tawafoq

Bank: Banque Saudi Fransi

• Annual fee: SAR 200 (SAR 200)
• Interest rate: 18.96% per month
• Minimum income: Not published
• Verified benefits: Airport lounge, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards, Sharia compliant

This is the card for your everyday purchases with extra peace of mind. May it be for groceries, restaurants and the needed vacations.

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10. Ajwaa Platinum Credit Card

Bank: Bank AlJazira

• Annual fee: SAR 500 (S.R 500)
• Interest rate: 18.96% per month
• Minimum income: Not published
• Verified benefits: Airport lounge, Travel benefits, Dining offers, Shopping offers, Entertainment, Hotel offers, Supplementary cards, Sharia compliant

The Bank AlJazira Ajwaa Platinum Credit Card turns every transaction into travel miles with up to 150,000 free air miles on activation. Earn bonus Ajwaa points with 10% extra on hospitals, pharmacies, supermarkets, e-commerce and restaurants. Enjoy airport lounge access, extended warranty, purchase protection, and m...

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11. Infinite Credit Charge Card

Bank: Alinma Bank Saudia Arabia

• Annual fee: Not published
• Interest rate: 22.8% per month
• Minimum income: Not published
• Verified benefits: Airport lounge, Rewards points, Travel benefits, Digital wallet, Shopping offers, Supplementary cards, Sharia compliant

A credit card with all features it was designed for your ease of use and peace of mind. You can start using the card inside or outside the kingdom for your purchases through point-of-sale devices and your online purchases.

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12. Mastercard Platinum Card

Bank: Riyad Bank

• Annual fee: SAR 1,700 (No annual fee for the first year and free for each year the monthly amount spend is 1700 SAR)
• Interest rate: 23.88% per month
• Minimum income: Not published
• Verified benefits: Airport lounge, Rewards points, Digital wallet, Shopping offers, Supplementary cards, Sharia compliant

Mastercard Platinum Credit Card__ Platinum Mastercard Credit Card from Riyad Bank takes you to a world of luxury and sophistication giving you exceptional privileges from Master Card on shopping and dining.

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13. SABB Premier Credit Card

Bank: The Saudi British Bank (SABB)

• Annual fee: Not published
• Interest rate: 28.68% per month
• Minimum income: Not published
• Verified benefits: Airport lounge, Rewards points, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards, Sharia compliant

Our specially designed SABB Premier MasterCard Credit Card gives you the spending power you need and complete freedom to purchase whatever you want whenever you want.

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14. ALFURSAN Visa Infinite

Bank: Saudi National Bank

• Annual fee: SAR 750 (SAR 750)
• Interest rate: 23.88% per month
• Minimum income: Not published
• Verified benefits: Airport lounge, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards, Sharia compliant

What distinguishes Alfursan Credit Card from other credit cards is that it is specifically tailored for travel lovers. It offers you the best miles earning program, enabling you to earn Alfursan miles on your daily purchases. The miles are automatically deposited into your Alfursan membership.

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15. Lifestyle Credit Card

Bank: Banque Saudi Fransi

• Annual fee: SAR 750 (SAR 750)
• Interest rate: 18.96% per month
• Minimum income: Not published
• Verified benefits: Airport lounge, Cashback, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers

Banque Saudi Fransi strives to provide you with the most substantial and attractive cashback program to help you save and spend smarter. Introducing a country first and exclusive Lifestyle Credit Card designed especially for you to receive up to 5% cashback based on your monthly lifestyle and expenses to guide you s...

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7 Smart Tips Before You Apply

What banks won't put in their marketing — but every smart applicant should know.

1. Compare APR, not just headline rates. The advertised "low interest" is usually a promo. The real cost is the Annual Percentage Rate (APR) after fees, balance transfer charges, and FX markups. A 1.5% monthly rate is actually ~19.6% APR.
2. Read the small print on rewards. Banks advertise "5% cashback" but cap it at $20/month. After the cap, you earn 0.5%. Always check the monthly cap, eligible merchants, and minimum spend requirements.
3. Know your credit profile before applying. Each rejected application damages your credit score. Use the bank's pre-qualification check (soft pull) before submitting a formal application (hard pull).
4. Avoid cash advances at all costs. Cash advance APR is usually 5-10% higher than purchase APR, with no grace period and an upfront fee of 2-5% of the amount. Use only in emergencies.
5. Set up direct debit for the full balance. Paying only the minimum (often 5% of balance) means interest accrues on the rest. A balance of $1,000 paid at minimum costs ~$1,400 in interest over 5 years.
6. Use foreign-fee-free cards abroad. Standard cards charge 2-3% on every foreign transaction plus FX markup. Travel cards charge 0%. On a $3,000 holiday, that's $90 saved.
7. Watch the annual fee waiver conditions. Many premium cards waive fees in year 1 only or require a minimum annual spend (e.g. $5,000) to keep the waiver. Set a reminder before renewal.

Common Mistakes to Avoid

The five most expensive errors people make with credit cards:

1. Applying for too many cards at once. Each application is a hard credit pull. 3+ pulls in 6 months drops your score 30-50 points. Space out applications by at least 90 days.
2. Only paying the minimum. If you have $5,000 balance at 24% APR and pay only the minimum (5%), you'll pay $1,500+ in interest before clearing the debt. Always pay in full when possible.
3. Ignoring the fine print on welcome bonuses. "Get $200 cashback!" usually requires spending $3,000 in 90 days. Read the qualifying spend, the eligible categories, and the payout timeline.
4. Not using benefits you've already paid for. If you pay a $400 annual fee for a card with airport lounge access, lost-baggage insurance, and concierge — use them. Most users don't claim 80% of what they paid for.
5. Treating credit cards as free money. They're high-cost short-term loans. The minimum payment cycle is designed to keep you indebted for 7-10 years on average.

How to Choose the Right Credit card in Saudi Arabia

• Annual fees — compare across banks, some offer zero fee for the first year
• Interest rates — lower rates save money if you carry a balance
• Rewards and benefits — match to your spending habits
• Eligibility — salary and documentation requirements vary by bank
• Digital access — mobile app, internet banking, contactless payments
• Customer support — 24/7 helpline, branch network, dispute resolution time
• Regulation — check the issuer's licence on the Saudi Central Bank (SAMA) public register before you apply

Frequently Asked Questions: Credit cards in Saudi Arabia

What is the best credit card in Saudi Arabia for 2026?

The best credit card depends on your priorities — income level, spending habits, and eligibility. Use the comparison table above to filter by rate, benefits, and bank. For premium benefits with worldwide acceptance, look at Platinum tier cards. For low income requirements, classic tier cards offer easier eligibility. Compare the 15 products in this guide above.

What credit score do I need for a credit card in Saudi Arabia?

Buzdy does not hold credit-score or credit-bureau data, and each bank sets its own threshold. None of the 15 products in this guide publish a minimum income requirement on their product page, so ask the bank directly before applying.

Can I apply online for a credit card in Saudi Arabia?

Yes, most major banks in Saudi Arabia now offer fully online applications. Tap "View" on any credit card above to start the application process directly with the bank.

What documents do I need?

Standard documents: valid government ID, tax identification number, proof of address (utility bill or rental agreement), latest 3 months of payslips (for salaried applicants) or 6 months of bank statements (self-employed), and a recent passport-size photograph. Exact requirements vary by bank.

Are these credit cards regulated and safe?

Retail banking in Saudi Arabia is supervised by Saudi Central Bank (SAMA). Buzdy has not individually verified the licence status of each issuer on this page, so check the regulator’s own public register before you apply — and escalate an unresolved dispute there.

What annual fee do credit cards in Saudi Arabia charge?

Of the 51 credit cards Buzdy lists for Saudi Arabia, 31 publish an annual fee amount, from SAR 75 to SAR 1,700 with a median of SAR 460. 2 are published as free and 18 do not publish a figure at all. Fees differ by bank and tier and change over time, so check the product page for its exact schedule.

Can I get a credit card if I am self-employed in Saudi Arabia?

Yes. Self-employed applicants typically need: business registration, latest tax returns, 6 months of bank statements, and audited financials (for higher tiers). Approval rates are lower than for salaried applicants but several banks specifically cater to small business owners.

What happens if I default on payments?

Missed payments trigger late fees, a credit-score drop, and a higher interest rate going forward. After 90 days of non-payment, the account goes to collections and is reported to credit bureaus. Contact your bank BEFORE missing a payment if you have trouble — most banks offer hardship plans.

Related Guides for Saudi Arabia

• All banks in Saudi Arabia
• Bank branches across Saudi Arabia
• Credit Cards In Saudi Arabia 2026
• Personal Loans In Saudi Arabia 2026
• Savings Accounts In Saudi Arabia 2026
• Saudi Arabia EMI calculator
• Saudi Arabia savings calculator

How We Compare

Our editorial team reviews each product based on annual fees, interest rates, rewards programs, eligibility requirements, and verified bank disclosures. We update this comparison regularly to reflect the latest offers. Data is sourced from official bank websites and verified where regulatory filings are publicly available.

Buzdy compares products from 555 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.

Disclosure: Buzdy may earn a referral commission when you apply through links on our site. Commissions never influence rankings. Read our full editorial standards.