Best Credit Cards in Saudi Arabia for Expats (2025 Guide)

Looking for the best credit cards in Saudi Arabia for expats? Discover the top cards with zero fees, cashback offers, travel rewards, and easy approval in 2025.

Best Credit Cards in Saudi Arabia for Expats (2025 Guide)

Are you an expat living in Saudi Arabia and looking for the best credit card options? Whether you want to build your credit history, earn cashback, or enjoy travel benefits — this guide will help you find the perfect credit card in 2025.

 1. Al Rajhi Cashback Credit Card

• Annual Fee: SAR 0 (first year), SAR 200 afterwards

• Minimum Salary Requirement: SAR 5,000

• Key Benefits:

  • Up to 1% cashback on all spending

  • Free airport lounge access via Mastercard LoungeKey

  • Shariah-compliant

Perfect for: Expats who want a simple, rewards-based credit card with no annual fees.

 2. SABB Platinum Credit Card

• Annual Fee: SAR 350

• Minimum Salary: SAR 8,000

• Key Benefits:

  • Access to HSBC global offers

  • Travel insurance

  • Airmiles and reward points system

Perfect for: Frequent travelers and HSBC/SABB account holders.

 3. ANB Titanium MasterCard

• Annual Fee: SAR 200

• Minimum Salary: SAR 6,000

• Key Benefits:

  • 1.5% cashback on groceries, dining, and fuel

  • Discounts on travel and hotel bookings

  • Contactless payments and mobile wallet support

Perfect for: Expats with families and daily high spenders.

 4. Riyad Bank Traveler Credit Card

• Annual Fee: SAR 500

• Minimum Salary: SAR 10,000

• Key Benefits:

  • Multi-currency spending (USD, EUR, GBP)

  • Lounge access globally

  • Travel insurance and concierge services

Perfect for: Expats who travel frequently or have global financial needs.

 How to Choose the Right Credit Card as an Expat in Saudi Arabia?

Here are 5 key points to consider:

1. Income requirement – Make sure your salary meets the bank’s criteria.

2. Fees – Annual and hidden charges can add up.

3. Shariah-compliant – Most banks offer Islamic credit card options.

4. Rewards – Cashback, travel points, or discounts should match your lifestyle.

5. Approval process – Some banks require a Saudi Iqama and salary transfer.

 Required Documents for Expats:

• Valid Iqama (residency permit)

• Passport copy

• Salary certificate or job contract

• Bank statement (3-6 months)

• Application form (in-branch or online)

 Pro Tip:

If you’re new in Saudi Arabia, start with a basic cashback card like Al Rajhi or ANB, then upgrade after 6–12 months of usage and credit building.

 Conclusion:

Getting a credit card as an expat in Saudi Arabia is easier than ever in 2025. Whether you’re after travel perks, cashback, or low fees — there’s a card that fits your needs. Make sure to compare your options and apply to the one that suits your financial habits