Best Credit Cards in Saudi Arabia
Introduction
Credit cards in Saudi Arabia have become essential tools for managing daily expenses, building credit, and unlocking exclusive perks. With banks competing to offer cashback, rewards points, and premium travel benefits, 2025 is the perfect year to explore your options. Whether you’re looking for a Sharia-compliant Islamic card, a cashback powerhouse, or a card tailored for travelers, this guide compares the best credit cards in Saudi Arabia 2025 to help you make an informed decision.
Top Credit Cards in Saudi Arabia 2025
1. Al Rajhi Bank Signature Credit Card
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Sharia-compliant with no interest charges.
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Earn reward points on every purchase, redeemable for shopping and travel.
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Access to VIP airport lounges worldwide.
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Ideal for: Professionals who want Islamic banking solutions with global travel perks.
2. SABB (Saudi British Bank) Cashback Card
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Up to 5% cashback on dining, shopping, and fuel.
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No annual fee for the first year.
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Contactless payment for faster transactions.
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Ideal for: Families looking to save money on everyday expenses.
3. Riyad Bank Platinum Credit Card
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Free travel insurance and purchase protection.
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Rewards points redeemable for flights, hotels, and shopping vouchers.
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Exclusive discounts with partner merchants.
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Ideal for: Frequent travelers who want extra peace of mind.
4. Saudi National Bank (SNB) Visa Infinite
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Premium concierge services available 24/7.
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Complimentary access to over 1,000 airport lounges.
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Earn loyalty rewards with every spend.
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Ideal for: High-income professionals seeking luxury benefits.
5. Emirates NBD Skywards Credit Card
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Earn Skywards Miles on local and international purchases.
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Free companion tickets and travel upgrades.
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Special discounts on Emirates flights.
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Ideal for: Travelers who frequently fly with Emirates Airlines.
Key Benefits of Credit Cards in Saudi Arabia
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Cashback & Rewards: Save on groceries, dining, and fuel.
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Travel Perks: Lounge access, air miles, and free travel insurance.
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Islamic Options: Sharia-compliant cards with no interest charges.
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Convenience & Security: Contactless payments and fraud protection.
Tips for Choosing the Right Credit Card
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Compare annual fees vs. benefits.
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Look for Sharia-compliant options if required.
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Match rewards to your lifestyle (travel, dining, shopping).
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Check foreign transaction fees if you travel abroad frequently.
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Use reputable sources like SAMA (Saudi Central Bank) for regulations and approved issuers.
FAQ – Best Credit Cards in Saudi Arabia 2025
Q1: Which is the best cashback credit card in Saudi Arabia?
The SABB Cashback Card is among the top choices, offering up to 5% cashback on common expenses.
Q2: Are there Sharia-compliant credit cards in Saudi Arabia?
Yes, banks such as Al Rajhi Bank and SNB offer fully Sharia-compliant cards with no interest charges.
Q3: What is the best travel credit card in Saudi Arabia?
The SNB Visa Infinite and Emirates NBD Skywards Credit Card are excellent for frequent travelers, offering lounge access and flight discounts.
Q4: How do I apply for a credit card in Saudi Arabia?
You can apply online or at the bank branch. Most banks require proof of income, a valid residency ID (Iqama), and a minimum salary.
Q5: Which credit card has the best rewards in 2025?
The Riyad Bank Platinum and Al Rajhi Signature cards provide versatile reward points redeemable across multiple categories.