Best Credit Card in Saudi Arabia with High Cashback (2025)

Discover the top cashback credit cards in KSA for maximum savings on everyday spending.

As of 2025, cashback credit cards in Saudi Arabia are more rewarding than ever—offering up to 10% returns on select spending categories. With robust consumer protections and sophisticated features enabled by SAMA regulations, an optimized cashback card can earn the average Saudi household SAR 2,400–6,500 annually Giraffy | Your go-to financial assistantGiraffy | Your go-to financial assistant.

This comprehensive guide highlights the top high-cashback credit cards in Saudi Arabia, comparing their reward structures, fees, and features, and helping you pick the best one for your lifestyle.

Top Cashback Credit Cards in Saudi Arabia (2025)

1. Al‑Hilal Mastercard World Elite (Riyad Bank) — Best Overall

• Cashback:

  • Up to 10% on e‑gaming platforms

  • 2% general rate

• Annual Fee: SAR 3,000

• Perks: Premium travel benefits, concierge services, global acceptance Giraffy | Your go-to financial assistant

Best for users seeking top-tier rewards across both premium and everyday spending.

2. Digital Cashback Card (Al Rajhi Bank) — Best Value

• Cashback:

  • 1% flat rate on all spending

  • 6% on digital categories

• Annual Fee: SAR 0

• Welcome Bonus: 1,000 Mokafaa points (via Al Rajhi app)

• Fully Shariah-compliant and integrated with mobile-first banking Giraffy | Your go-to financial assistant

Excellent choice for Islamic banking users and digital-first spenders.

3. Visa Signature Cashback Islamic Card (High Spenders Option)

• Cashback: 10% on select spending

• Annual Fee: SAR 500

• Perks: Airport lounge access (via Lounge Key), premium travel support Giraffy | Your go-to financial assistant

Ideal for high-spending users wanting premium cashback returns.

4. Cashback Plus Platinum (Al Rajhi Bank) — Budget-Friendly

• Cashback:

  • Up to 10% on select promotions

  • Tiered 2–6% on everyday categories

• Annual Fee: SAR 250

• Easily accessible requirements and instant redemption via Dragon Pass lounges damacproperties.com+1Giraffy | Your go-to financial assistant+1

Great for beginners or those building credit with efficient cashback returns.

5. SAIB Platinum Cashback Credit Card

• Cashback:

  • Up to 10% during special promotions (e.g., groceries/fuel)

  • Regular 3–5% on key categories, 1% general

• Perks: Instant statement credits, purchase protection, extended warranty Giraffy | Your go-to financial assistant

Perfect for shoppers who concentrate spending on essential categories.

6. SAB Advance Credit Card

• Cashback:

  • 3% on groceries, fuel & dining

  • 1% on all other spending

• Annual Fee: SAR 0

• Perks: Frequent lifestyle and retail offers, easy redemption Giraffy | Your go-to financial assistant

Approved for those focusing spending on day-to-day essentials.

7. Alinma Platinum Credit Card

• Cashback: 2% flat rate across all categories

• Perks: Airport lounge access, simple and consistent returns Giraffy | Your go-to financial assistant

Ideal for individuals valuing simplicity and steady rewards.

8. SNB Cashback Card (Saudi National Bank)

• Cashback: 2% flat on both domestic and international spending

• Annual Fee: SAR 0

• Extra Benefits: Travel insurance, purchase protection, wide merchant network Giraffy | Your go-to financial assistant

Solid option for everyday users including frequent travelers.

9. meem Credit Card (Gulf Intl Bank)

• Cashback: 1–2% equivalent via points redeemable as cash, vouchers or travel credits

• Perks: High flexibility and strong digital user experience Giraffy | Your go-to financial assistant

Best for users who want flexible reward redemption options.

📊 Cashback Comparison Table

Best Choice Based on Spending Type

• Premium spenders? Go with Al‑Hilal World Elite for top-tier returns.

• Digital-savvy users? Al Rajhi Digital Cashback offers strong Islamic-compliant value.

• High spenders but moderate income? Consider Visa Signature Cashback Islamic.

• Essential daily spend? Choose SAB Advance or SAIB Platinum.

• Simplicity seekers? Alinma Platinum or SNB Cashback provide flat reliable cashback.

• Flexible redemption souls? meem Credit Card gives you choices.

Tips for Maximizing Cashback Rewards

1. Match card to spending categories you use most.

2. Sign up strategically during promotional periods.

3. Offset annual fees with projected cashback gains.

4. Use mobile apps for real-time tracking.

5. Pay your balance in full to avoid monthly profit charges.

As of 2025, Saudi Arabia offers a diverse set of cashback credit card options tailored to different spending patterns. From premium cards like Al‑Hilal World Elite delivering unmatched returns, to no-fee options like Digital Cashback or SAB Advance that reward daily habits—there’s something for everyone.

Choose your card wisely based on your spending, stick to favorable categories, and always pay in full to maximize the benefit. With proper selection and use, your card could easily pay for itself, giving you real cash back every month.