Best Credit Cards in Saudi Arabia with No Annual Fee and Free Lounge Access (2025)

Explore top cards offering complimentary airport lounge access in KSA—with no annual fees.

If you’re looking for a credit card in Saudi Arabia that combines zero annual fees with airport lounge access, you’re in luck. In 2025, banks like SNB, SAIB, SAB, Riyad Bank, and meem offer excellent cards providing lounge access alongside robust rewards, all without costly fees. This guide covers the best fee-free cards with lounge privileges, eligibility, perks, and tips to make the most of them.

Top Cards with Free Annual Fee & Lounge Access in KSA

1. SNB AlAhli Cashback & UEFA Champions League Credit Cards

• Annual Fee: Free Redditpromosteer.com+6KSA Credit Cards (Beta)+6KSA Credit Cards (Beta)+6

• Benefits:

  • Unlimited lounge access globally

  • Free travel insurance

  • Cashback tiered up to 2% (capped monthly) Reddit+6Reddit+6Reddit+6KSA Credit Cards (Beta)+4KSA Credit Cards (Beta)+4KSA Credit Cards (Beta)+4

• Ideal for: Anyone seeking lounge access and entry-level rewards without complications.

2. SAIB Visa Signature / Platinum Cards

• Annual Fee: Free KSA Credit Cards (Beta)

• Benefits:

  • Access to 1,000+ airport lounges worldwide

  • Concierge service, travel and medical assistance

  • Dining discounts, Dragon Pass offers yallacompare.com+15KSA Credit Cards (Beta)+15KSA Credit Cards (Beta)+15

• Ideal for: Frequent travelers wanting perks and lounge access at no cost.

3. SAB Platinum Visa Cashback / SAB Premier / SAB Advance Visa Platinum

• Annual Fee: Free RedditKSA Credit Cards (Beta)+6KSA Credit Cards (Beta)+6KSA Credit Cards (Beta)+6

• Benefits:

  • Up to 6 or unlimited lounge visits globally

  • Travel & medical insurance, Meet & Assist services

  • Instant statements and cashback or ICSAB+ points earning Reddit+1Reddit+1Reddit+8KSA Credit Cards (Beta)+8yallacompare.com+8

• Ideal for: Travelers who prioritize flexibility, rewards, and extras like dining discounts.

4. Riyad Bank Titanium Credit Card

• Annual Fee: Free (first year) & typically waived thereafter Reddit+2Reddit+2KSA Credit Cards (Beta)+2

• Benefits:

  • Free airport lounge access (via Mastercard channels)

  • No salary transfer or maintenance required

  • Mastercard offers and fraud protection Reddityallacompare.com+4promosteer.com+4promosteer.com+4

• Ideal for: Budget-conscious applicants wanting simplicity and airport access.

5. meem Signature Credit Card (Gulf International Bank)

• Annual Fee: Free or low; digital-first card

• Benefits:

  • Access to 1,200+ global lounges via Visa Airport Companion

  • NFC contactless payments, installment options, purchase protection

  • Flexible rewards (Ajeeb points) and attractive FX rates KSA Credit Cards (Beta)+2meem.com.sa+2Riyad Bank+2Riyad Bank+1promosteer.com+1

• Ideal for: Tech-savvy users seeking global lounge perks and flexible rewards.

📊 Comparison Table

Eligibility & Usage Tips

1. Salary requirement: Usually SAR 8,000+ for SNB, SAIB, SAB, and Riyad. meem may have lower thresholds. Reddit+2KSA Credit Cards (Beta)+2KSA Credit Cards (Beta)+2promosteer.com+2KSA Credit Cards (Beta)+2yallacompare.com+2americanexpress.com.sa+9promosteer.com+9Riyad Bank+9yallacompare.com+2promosteer.com+2KSA Credit Cards (Beta)+2

2. Registration for lounge access: Typically via Visa Airport Companion or Dragon Pass. Cards like SAIB and SAB require activation. KSA Credit Cards (Beta)meem.com.sapromosteer.com

3. Guest access: Some cards allow only the primary cardholder; guest access may incur charges—always read details.

4. Usage minimums or spend criteria: Unlike some GCC-based offers (e.g. Citi), these KSA cards rarely impose a minimum spend. Lounge usage is preserved without needing to meet thresholds. KSA Credit Cards (Beta)+3KSA Credit Cards (Beta)+3Reddit+3

Reddit & Community Highlights

While local Saudi options dominate, experiences from GCC forums offer useful perspectives:

“Citi Cashback… unlimited lounge access worldwide… annual fee waived if you spend 8K annually.” Reddit+6Reddit+6Reddit+6
“ENBD Duo offers lounge access with no annual fee, subject to modest spends; similar Mastercard world/infinite cards offer global access.” Reddit+6Reddit+6Reddit+6

These confirm that Visa Signature, Mastercard World/World Elite, or similar-tier cards often include lounge perks—with or without minimal fees or spend requirements.

Additional Perks to Consider

• Travel & medical insurance: Cards like SAIB and SAB include this as standard. Reddit

• Concierge service: Available on SAIB Visa Signature and Riyad Visa Signature. KSA Credit Cards (Beta)Riyad Bank

• Discounts at hotels, dining & car rentals: Common across SAIB, SAB, and Riyad. KSA Credit Cards (Beta)Riyad Bank

If you want credit cards in Saudi Arabia with no annual fee and free lounge access, the top contenders are:

• SNB AlAhli Cashback or UEFA Champions League Card – reliable unlimited lounge access plus cashback

• SAIB Visa Signature or Platinum – travel insurance, concierge perks, but no fees

• SAB Platinum, Premier, or Advance – mix of lounge access and rewards

• Riyad Bank Titanium – simple path to lounge entry & no upkeep

• meem Signature – robust digital banking with lounge and points flexibility

Choose based on your salary, spending habits, and travel frequency—and make sure to activate lounge access via the appropriate travel app. Stay fee-free and travel-ready.