Last updated: June 23, 2026 · Credit cards compared: 15 · Data source: Official bank product pages
Reviewed by Zia Shahid, Buzdy Banking Editor · Our methodology
? In this guide
Looking for the best credit card in Saudi Arabia in 2026? We compared 15 credit cards from top banks in Saudi Arabia to help you find the right one for your needs, income, and lifestyle.
This guide covers fees, interest rates, eligibility, rewards, and key benefits for every option. All data is sourced from official bank product pages and updated as of June 23, 2026. Every option is from a bank regulated by Saudi Central Bank (SAMA).
Quick Comparison: All 15 Credit cards in Saudi Arabia
Side-by-side comparison of every credit card option in Saudi Arabia as of June 23, 2026. Tap any name for full details.
| Credit card | Bank | Rate / Eligibility | Top Features | Apply |
|---|---|---|---|---|
| 1. Classic Credit Charge Card | Alinma Bank Saudia A… | Full payment due | Shopping Discounts, Digital Wallet, Lifestyle Privil… | View → |
| 2. Gold Credit Charge Card | Alinma Bank Saudia A… | Full payment due | Shopping Discounts, Digital Wallet, Lifestyle Privil… | View → |
| 3. Infinite credit card | Alinma Bank Saudia A… | 1.90% per month | Shopping Discounts, Lounge Access, Digital Wallet, H… | View → |
| 4. Infinite Credit Charge Card | Alinma Bank Saudia A… | 1.90% per month | Shopping Discounts, Travel Benefits, Digital Wallet,… | View → |
| 5. Platinum Credit Card | Alinma Bank Saudia A… | 1.90% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 6. Platinum Credit Charge Card | Alinma Bank Saudia A… | Full payment due | Shopping Discounts, Digital Wallet, Lifestyle Privil… | View → |
| 7. Signature credit card | Alinma Bank Saudia A… | 1.90% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 8. Signature Credit Charge Card | Alinma Bank Saudia A… | 1.90% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 9. Ajwaa Infinite Credit Card | Bank AlJazira | 1.58% per month | Shopping Discounts, Travel Benefits, Dinning Benefit… | View → |
| 10. Ajwaa Platinum Credit Card | Bank AlJazira | 1.58% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 11. Ajwaa Signature Credit Card | Bank AlJazira | 1.58% per month | Shopping Discounts, Travel Benefits, Dinning Benefit… | View → |
| 12. AlJazira Classic Credit Card | Bank AlJazira | 1.58% per month | Shopping Discounts, Entertainment Benefits, Lifestyl… | View → |
| 13. AlJazira Infinite Credit Card | Bank AlJazira | 1.58% per month | Shopping Discounts, Travel Benefits, Dinning Benefit… | View → |
| 14. AlJazira Multi-Currency card | Bank AlJazira | 1.58% per month | Lifestyle Privileges, Global Acceptance, Interest Fr… | View → |
| 15. AlJazira Platinum Credit Card | Bank AlJazira | 1.58% per month | Shopping Discounts, Travel Benefits, Dinning Benefit… | View → |
Top 15 Credit Cards in Saudi Arabia (2026)
1. Classic Credit Charge Card
Bank: Alinma Bank Saudia Arabia
- Interest Rate: Full payment due
- Salary/Eligibility: Not Required
- Rewards: 5,000 free akthr points on the first use of the card
- Benefits: Shopping Discounts, Digital Wallet, Lifestyle Privileges, Global Acceptance, Chip/Pin, Supplementary Cards
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
2. Gold Credit Charge Card
Bank: Alinma Bank Saudia Arabia
- Interest Rate: Full payment due
- Salary/Eligibility: Not Required
- Rewards: 5,000 free akthr points on the first use of the card
- Benefits: Shopping Discounts, Digital Wallet, Lifestyle Privileges, Global Acceptance, Chip/Pin, Supplementary Cards
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
3. Infinite credit card
Bank: Alinma Bank Saudia Arabia
- Interest Rate: 1.90% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Lounge Access, Digital Wallet, Hotel Discounts & Offers, Lifestyle Privileges, Global Acceptance
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 eas
4. Infinite Credit Charge Card
Bank: Alinma Bank Saudia Arabia
- Interest Rate: 1.90% per month
- Salary/Eligibility: Not Required
- Rewards: 5,000 free akthr points on the first use of the card
- Benefits: Shopping Discounts, Travel Benefits, Digital Wallet, Lifestyle Privileges, Global Acceptance, Chip/Pin
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
5. Platinum Credit Card
Bank: Alinma Bank Saudia Arabia
- Interest Rate: 1.90% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
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 eas
6. Platinum Credit Charge Card
Bank: Alinma Bank Saudia Arabia
- Interest Rate: Full payment due
- Salary/Eligibility: Not Required
- Rewards: 5,000 free akthr points on the first use of the card
- Benefits: Shopping Discounts, Digital Wallet, Lifestyle Privileges, Global Acceptance, Chip/Pin, Supplementary Cards
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
7. Signature credit card
Bank: Alinma Bank Saudia Arabia
- Interest Rate: 1.90% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Digital Wallet, Lifestyle Privileges, Global Acceptance
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 eas
8. Signature Credit Charge Card
Bank: Alinma Bank Saudia Arabia
- Interest Rate: 1.90% per month
- Salary/Eligibility: Not Required
- Rewards: 5,000 free akthr points on the first use of the card
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Digital Wallet, Lifestyle Privileges, Global Acceptance
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
9. Ajwaa Infinite Credit Card
Bank: Bank AlJazira
- Annual Fee: S.R 1,500
- Interest Rate: 1.58% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Purchase Protection, Entertainment Benefits, Hotel Discounts & Offers
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 yo
10. Ajwaa Platinum Credit Card
Bank: Bank AlJazira
- Annual Fee: S.R 500
- Interest Rate: 1.58% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Entertainment Benefits
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,
11. Ajwaa Signature Credit Card
Bank: Bank AlJazira
- Annual Fee: S.R 900
- Interest Rate: 1.58% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Purchase Protection, Entertainment Benefits, Hotel Discounts & Offers
The Bank AlJazira Ajwaa Signature Credit Card earns 2.5 points per SAR 1 spent with access to VIP lounges in 500+ airports worldwide. Redeem air miles at 600+ airlines and hotels globally with 48-hour
12. AlJazira Classic Credit Card
Bank: Bank AlJazira
- Interest Rate: 1.58% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Entertainment Benefits, Lifestyle Privileges, Global Acceptance, Supplementary Cards, Interest Free Days
AlJazira Classic Credit Card that provides you with a wide range of benefits and services that fit your aspirations and meet your needs.
13. AlJazira Infinite Credit Card
Bank: Bank AlJazira
- Annual Fee: 1000 SAR
- Interest Rate: 1.58% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Purchase Protection, Entertainment Benefits, Hotel Discounts & Offers
Endless possibilities are at your fingertips, life's boundless luxuries await and its infinite benefits are yours.
14. AlJazira Multi-Currency card
Bank: Bank AlJazira
- Annual Fee: 75 SAR
- Interest Rate: 1.58% per month
- Salary/Eligibility: Not Required
- Benefits: Lifestyle Privileges, Global Acceptance, Interest Free Days
Bank AlJazira Multi-Currency card empowers you to withdraw cash from ATM’s, perform purchase through POS machines all around the world and buy online easily, Using different currencies at competitiv
15. AlJazira Platinum Credit Card
Bank: Bank AlJazira
- Annual Fee: 300 SAR
- Interest Rate: 1.58% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Purchase Protection, Entertainment Benefits, Hotel Discounts & Offers
AlJazira Platinum Credit Card where you will experience a world of exciting and superlatives services that are designed to meet your growing needs.
7 Smart Tips Before You Apply
What banks won't put in their marketing — but every smart applicant should know.
- 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.
- 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.
- 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).
- 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.
- 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.
- 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.
- 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:
- 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.
- 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.
- 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.
- 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.
- 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 — all products listed are from banks regulated by Saudi Central Bank (SAMA)
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 all 15 options on this page.
What credit score do I need for a credit card in Saudi Arabia?
Most banks in Saudi Arabia require a clean credit history with no defaults in the last 5 years. Premium products typically require higher monthly income. Each bank publishes its own minimum on the product page.
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?
Yes — all 15 options listed are from banks regulated by Saudi Central Bank (SAMA). Consumer disputes can be escalated to the regulator if a bank does not resolve the issue.
What are the typical fees in Saudi Arabia?
Fees vary by tier and bank: classic cards typically SAR 0–1,500/year, gold SAR 1,500–3,000, platinum SAR 3,000–10,000. Many banks waive the first year. Always check the product page for the exact fee 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 (typically SAR 500–2,000), 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.
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