Cashback Visa Signature Islamic Credit Card
Riyad Bank
Card Information
Overview
Key Metrics
SAR 500
Annual Fee
The yearly cost of holding this card. Your rewards should exceed this amount to make the card worth it.
SAR 6,148 /yr
Est. Net Annual Value
Estimated net earnings per year (rewards minus fees) based on an average Saudi monthly spend of SAR 7,000. Your actual value depends on your real spending.
10% top · 8% avg
Earn Rate
The top earn rate is 10% on select categories. On average, you'll earn about 8% across all your spending. Example: spend SAR 1,000 and earn roughly SAR 80 back.
SAR 500
Welcome Bonus
Annual fee waived for the first year — instant savings when you sign up.
11 benefits · ≈SAR 8,700
Included Perks
Perks are estimated at SAR 8,700/yr total. The actual value depends on how often you use each benefit.
7.32%
Return on Spend (ROI)
For every SAR 100 you spend, you get back about SAR 7.32 after fees. The higher this number, the better the card is for you.
How much will you earn from this card?
Based on avg. Saudi spend (SAR 7,000/mo)
SAR 6,648
Year 1 (incl. bonus)
SAR 6,148
Every year after
Break-Even: Spend ≥ SAR 521/mo to offset the annual fee✓
• Projections based on avg. Saudi spending (SAR 7,000/mo). Your actual spending may differ — use the calculator for personalized results.
• Card terms may be changed by the bank at any time, affecting projected values.
• Perk values are estimates based on bank-third party agreements and subject to revision.
Pros
Cons
Fees & Rates
The fee the bank charges yearly for the card.
Extra fee charged on purchases in foreign currencies. Example: SAR 1,000 purchase = SAR 20 fee.
Rewards & Benefits (Cashback)
Return Type
Earn Rates by Category
The earn rate is how much you get back on each purchase. For example, 5% means for every SAR 100 you spend, you earn SAR 5 back.
Spend SAR 1,000/mo → earn ~SAR 100 (capped at SAR 200/mo)
Spend SAR 1,000/mo → earn ~SAR 100 (capped at SAR 200/mo)
Spend SAR 1,000/mo → earn ~SAR 100 (capped at SAR 200/mo)
Spend SAR 1,000/mo → earn ~SAR 100 (capped at SAR 200/mo)
Spend SAR 1,000/mo → earn ~SAR 100 (capped at SAR 200/mo)
Spend SAR 1,000/mo → earn ~SAR 50
Spend SAR 1,000/mo → earn ~SAR 50
Spend SAR 1,000/mo → earn ~SAR 50
Spend SAR 1,000/mo → earn ~SAR 50
Spend SAR 1,000/mo → earn ~SAR 50
Spend SAR 1,000/mo → earn ~SAR 50
Spend SAR 1,000/mo → earn ~SAR 50
Spend SAR 1,000/mo → earn ~SAR 50
Spend SAR 1,000/mo → earn ~SAR 50
Spend SAR 1,000/mo → earn ~SAR 50
Benefits
- Airport Lounge Access — Unlimited complimentary access for cardholder and 2 guests to over 1,300 airport lounges in more than 500 cities worldwide through Visa Airport Companion. 12 visits free of charge for the cardholder only; additional guest visits charged at $32 per guest. (≈ SAR 3600)
- Concierge Service — 24/7 Concierge Service assistance for luxury travel planning, priority restaurant reservations, exclusive event access, and other personalized services. (≈ SAR 500)
- 0% Installment Plans — Split your payments into equal installments over 12 months with your Riyad Bank credit card at participating Qasset 0% partners. (≈ SAR 300)
- Shopping Discounts — Exclusive Offers for Riyad Bank cardholders at various stores, restaurants, and markets. Additional exclusive offers and benefits for Visa Signature cardholders. (≈ SAR 400)
- Cinema Discounts — Complimentary muvi Cinema tickets every month under a Buy One Get One Free offer. (≈ SAR 600)
- Hotel Discounts — 15% discount at over 100 IHG Hotels and Resorts around the Middle East and Africa. Benefits and discounts at over 900 prestigious properties through Visa Luxury Hotel Collection. (≈ SAR 600)
- Meet & Greet — Up to 20% discount on YQ Meet and Assist at over 450 destinations globally. (≈ SAR 300)
- Car Rental Discounts — Up to 35% discount on Avis Car Rentals and complimentary enrollment to Avis President's Club Membership. Up to 15% off SIXT rentals globally with exclusive SIXT Gold status. (≈ SAR 400)
- Travel Insurance — Multi-Trip Travel Insurance for up to $500,000 covering medical emergencies, trip cancellations, lost baggage, and more. (≈ SAR 1500)
- Purchase Protection — Card Protection Service against unauthorized transactions and fraudulent use. 12 months of Buyers Protection covering theft, accidental damage, and non-delivery of eligible purchases. (≈ SAR 300)
- Extended Warranty — Extended Warranty for up to 12 additional months on eligible purchases. (≈ SAR 200)
Billing & Repayment
Statement Date
Monthly
Payment Due
25 days after statement date
Features
General Features
Unlimited complimentary access for cardholder and 2 guests to over 1,300 airport lounges in more than 500 cities worldwide through Visa Airport Companion. 12 visits free of charge for the cardholder only; additional guest visits charged at $32 per guest.
24/7 Concierge Service assistance for luxury travel planning, priority restaurant reservations, exclusive event access, and other personalized services.
Split your payments into equal installments over 12 months with your Riyad Bank credit card at participating Qasset 0% partners.
Exclusive Offers for Riyad Bank cardholders at various stores, restaurants, and markets. Additional exclusive offers and benefits for Visa Signature cardholders.
Complimentary muvi Cinema tickets every month under a Buy One Get One Free offer.
15% discount at over 100 IHG Hotels and Resorts around the Middle East and Africa. Benefits and discounts at over 900 prestigious properties through Visa Luxury Hotel Collection.
Up to 20% discount on YQ Meet and Assist at over 450 destinations globally.
Up to 35% discount on Avis Car Rentals and complimentary enrollment to Avis President's Club Membership. Up to 15% off SIXT rentals globally with exclusive SIXT Gold status.
Multi-Trip Travel Insurance for up to $500,000 covering medical emergencies, trip cancellations, lost baggage, and more.
Card Protection Service against unauthorized transactions and fraudulent use. 12 months of Buyers Protection covering theft, accidental damage, and non-delivery of eligible purchases.
Extended Warranty for up to 12 additional months on eligible purchases.
Card Details
Bank Information
More cards from Riyad Bank
Estimate Your Credit Card Rewards
Your Estimated Rewards
SAR 0 / year
Based on your spending profile
Data sourced from banks
All card information, rates, fees, and benefits are sourced directly from the official bank card pages. Banks may update their terms and conditions at any time. We recommend verifying the latest details on the bank's website or contacting the bank directly before making any financial decision.
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