Looking for the best credit cards with the lowest fees, best rewards, and exclusive benefits in Saudi Arabia? We've analyzed 5 Credit Cards from top banks operating in Saudi Arabia to help you find the perfect match for your needs.
Whether you're an expat, a local resident, or a business professional, this guide covers everything from annual fees and interest rates to rewards programs and eligibility requirements. All data is sourced directly from bank product listings and updated regularly.
Top 5 Credit Cards in Saudi Arabia (2026)
1. Etihad Guest Visa Elevate
Bank: Emirates NBD
- Annual Fee: AED 1,575 (2nd yr) / AED 2,625 joining
- Minimum Salary: Minimum salary AED 30,000
- Interest Rate: Interest rate of 3.25% per month; minimum payment: 5% of the outstanding or AED 100, whichever is higher
- Key Benefits: Global Acceptance, Lounge Access, Vehicle Assiatance, Phone Banking, Hotel Discounts & Offers, SMS Alerts
Etihad Guest Miles earned on retail spends made on merchants located in European Union or under categories, grocery and supermarkets, quick service restaurant (i.e., fast food restaurant), insurance,...
2. Sky wards Infinite Credit Card
Bank: Emirates NBD
- Annual Fee: AED 1,575
- Minimum Salary: Minimum salary AED 30,000
- Interest Rate: 3.25% per month
- Key Benefits: Interest Free Days, Minimum Age (Years), No. of Supplementary Cards, Global Acceptance, Lounge Access, Travel Benefits
Unlock a world of travel rewards with the Emirates NBD Skywards Infinite Credit Card. Earn miles on everyday spending & enjoy luxury benefits.
3. Marriott Bonvoy Credit Card
Bank: Emirates NBD
- Annual Fee: AED 1,575
- Minimum Salary: Minimum salary AED 25,000
- Interest Rate: 3.25% per month
- Key Benefits: Global Acceptance, Exclusive Discounts, Lounge Access, Phone Banking, Hotel Discounts & Offers, SMS Alerts
With Marriott Bonvoy World Mastercard Credit Card enjoy rewarding travel opportunities in over 30 hotel brands and 10,000 global destinations.
4. data World Credit Card
Bank: Emirates NBD
- Annual Fee: AED 1,048.95
- Minimum Salary: Minimum salary AED 20,000
- Interest Rate: Interest rate: 3.25% per month; minimum payment: 5% of the outstanding or AED 100, whichever is higher
- Key Benefits: Global Acceptance, Exclusive Discounts, Lounge Access, Phone Banking, Hotel Discounts & Offers, SMS Alerts
Enjoy unparalleled travel benefits with Emirates NBD dnata World MasterCard Credit Card. Apply for your travel companion now!
5. Etihad Guest Visa Inspire
Bank: Emirates NBD
- Annual Fee: AED 727
- Minimum Salary: Minimum salary AED 15,000
- Interest Rate: Interest rate of 3.25% per month; minimum payment: 5% of the outstanding or AED 100, whichever is higher
- Key Benefits: Interest Free Days, Minimum Age (Years), No. of Supplementary Cards, Global Acceptance, Exclusive Discounts, Lounge Access
Access to a world of rewards! Explore the best-in-class travel and lifestyle privileges.
How to Choose the Right Card
When comparing Credit Cards in Saudi Arabia, consider these factors:
- Annual Fee: Some cards offer zero annual fees, while premium cards with lounge access and travel insurance may charge higher fees but offer greater value.
- Minimum Salary: Each bank has different eligibility requirements. Cards with lower salary requirements are easier to qualify for.
- Rewards & Cashback: Look for cards that match your spending habits — dining, travel, shopping, or fuel.
- Interest Rate: If you plan to carry a balance, compare the monthly interest rates carefully.
Compare All Credit Cards in Saudi Arabia
Want to see all available options? Compare all Credit Cards in Saudi Arabia →
Last updated: April 2026. All information is for comparison purposes only. Please verify details directly with the bank before applying.
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