PayperWIZ

Best credit cards in Saudi Arabia, by what they actually pay

Every card in the Saudi Arabia catalogue, ranked by what it genuinely returns on each kind of spending — after the monthly cap, and after the minimum spend some cards require before any bonus rate applies.

21 cards · catalogue v101 · 7 of 21 read from the issuer's own terms

The best rate here with nothing attached to it

Riyad Bank Al-Hilal World Elite pays 1.25% on everything else with no monthly cap and no minimum spend to unlock it — which is rarer, and worth more over a year, than most of the larger numbers in the table below.

The 7 Saudi Arabia cards read off the issuer

Every rate on this page came from somewhere. These ones came from the bank's own published terms, read by a person on the date shown, with the cap and the minimum spend that the comparison tables leave out. Each has its own page.

Every category in Saudi Arabia

In the order people spend, not biggest number first. The highest rate on a card is routinely the one that means least, so what limits it is shown beside it.

Best published return per category in Saudi Arabia, from 21 cards. The headline rate is one that covers the whole category; where a bigger rate covers only part of it, that is shown underneath with what it covers.
Spending onBest returnCard
groceries5.00%or 10.00% (selected as only cashback category), with BSF Lifestyle Credit CardAl Rajhi Cashback Plus PlatinumcheckedAl Rajhi Bank · SAR 250 a yearat most SAR 500 back a month
dining10.00%Al Rajhi Cashback Plus SignatureAl Rajhi Bank · SAR 450 a yearat most SAR 200 back a month
fuel3.00%or 10.00% (monthly spend SAR 15,000+), with Riyad Bank Visa Signature Cashback IslamicEmkan Platinum CardEmkan Finance · SAR 200 a yearat most SAR 500 back a month
online and delivery10.00%or 15.00% (HungerStation food orders with ARBPlus promo code), with Al Rajhi Cashback Plus SignatureAl Rajhi Cashback Plus PlatinumcheckedAl Rajhi Bank · SAR 250 a yearat most SAR 500 back a month
travel2.00%or 10.00% (selected as only cashback category), with BSF Lifestyle Credit CardAl Rajhi Cashback Plus PlatinumcheckedAl Rajhi Bank · SAR 250 a yearat most SAR 500 back a month
entertainment10.00%on monthly spend SAR 15,000+Riyad Bank Visa Signature Cashback IslamicRiyad Bank · SAR 500 a yearat most SAR 200 back a month
pharmacy5.00%or 10.00% (selected as only cashback category), with BSF Lifestyle Credit CardEmirates NBD Mazeed PlatinumEmirates NBDat most SAR 100 back a month
education5.00%or 10.00% (selected as only cashback category), with BSF Lifestyle Credit CardEmirates NBD Mazeed PlatinumEmirates NBDat most SAR 100 back a month
everything else1.25%or 2.00% (International spend), with Al Rajhi Cashback Plus SignatureRiyad Bank Al-Hilal World ElitecheckedRiyad Bank
How these were worked out. 7 of the 21 cards here have been read against the issuer's own terms line by line and are marked checked in the tables below. The rest come from each issuer's published material and have not been checked that way. Every rate is converted to what the card actually returns — points and miles are valued at the redemption rate the programme publishes, using the rate anyone can take rather than the best one available after a transfer. Where a card's programme publishes no redemption value, the card is left off this page rather than listed at a number that would be a guess. Caps and minimum monthly spends are shown because they are usually what decides whether a headline rate is real.

This is a table. Your wallet is a decision.

PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. It works offline and needs no bank connection.

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Other markets

The same working, for the other countries in the catalogue.