Infinite Credit Card
Emirates NBD Saudi Arabia
Card Information
Overview
Key Metrics
SAR 700
Annual Fee
The yearly cost of holding this card. Your rewards should exceed this amount to make the card worth it.
SAR 95 /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.
1% top · 1% avg
Earn Rate
The top earn rate is 1% on select categories. On average, you'll earn about 1% across all your spending. Example: spend SAR 1,000 and earn roughly SAR 10 back.
SAR 700
Welcome Bonus
Annual fee waived for the first year — instant savings when you sign up.
12 benefits · ≈SAR 9,750
Included Perks
Perks are estimated at SAR 9,750/yr total. The actual value depends on how often you use each benefit.
0.11%
Return on Spend (ROI)
For every SAR 100 you spend, you get back about SAR 0.11 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 795
Year 1 (incl. bonus)
SAR 95
Every year after
Break-Even: Spend ≥ SAR 5,833/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.
The minimum monthly salary required to apply for this card.
Extra fee charged on purchases in foreign currencies. Example: SAR 1,000 purchase = SAR 20 fee.
The window you have to pay your full balance without being charged any interest.
Rewards & Benefits (Points)
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 0
Spend SAR 1,000/mo → earn ~SAR 1,000
Spend SAR 1,000/mo → earn ~SAR 1,000
Spend SAR 1,000/mo → earn ~SAR 1,000
Spend SAR 1,000/mo → earn ~SAR 1,000
Spend SAR 1,000/mo → earn ~SAR 1,000
Spend SAR 1,000/mo → earn ~SAR 1,000
Spend SAR 1,000/mo → earn ~SAR 1,000
Spend SAR 1,000/mo → earn ~SAR 1,000
Spend SAR 1,000/mo → earn ~SAR 1,000
Spend SAR 1,000/mo → earn ~SAR 1,000
Spend SAR 1,000/mo → earn ~SAR 1,000
Spend SAR 1,000/mo → earn ~SAR 1,000
Spend SAR 1,000/mo → earn ~SAR 1,000
Spend SAR 1,000/mo → earn ~SAR 1,000
Benefits
- Airport Lounge Access — Unlimited complimentary airport lounge access via Visa Airport Companion App to 1,200 lounges worldwide plus one (1) guest per visit. Requires minimum monthly spend of SAR 3,000 in the month the benefit is used. Effective February 2026, cardholders must also complete international purchase transactions of at least USD 100 within the preceding 90 days. (≈ SAR 4800)
- Concierge Service — 24-hour concierge service including digital, telephone, and email channels. Handles reservations, travel arrangements, and hard-to-get products via Visa Infinite Concierge. (≈ SAR 500)
- Travel Insurance — Travel services with access to medical services and advice worldwide. Car Rental Collision Damage Waiver covers damages, theft, or vandalism when renting a car with the card. (≈ SAR 800)
- Purchase Protection — Purchase Protection insures your purchases against loss, accidental damage, or theft. Report unauthorized charges within 30 days for fraudulent card misuse protection. (≈ SAR 200)
- Extended Warranty — Extended warranty coverage for an additional 12 months from the expiry date of the original manufacturer warranty. (≈ SAR 100)
- Entertainment — Complimentary access to the Xperience with the Entertainer app with Buy One Get One Free offers and discounts at selected merchants in UAE, KSA, Qatar, Kuwait, Bahrain, Oman, Lebanon, and Jordan. (≈ SAR 1000)
- Hotel Discounts — 8% discount on hotel stay bookings via Hotels.com using promo code VISA8. Access to over 985,000+ properties worldwide via Agoda with up to 12% additional discount on promotion-eligible properties. (≈ SAR 500)
- Car Rental Discounts — Up to 20% off with Avis car rental via avisworld.com/visa and 10% off with Budget worldwide via budgetinternational.com/visa. (≈ SAR 300)
- Meet & Greet — YQ Meet & Assist service — discounts up to 15% on airport services such as limo transfer, visa on arrival, and baggage porters via cemea.yqnowgroup.com. (≈ SAR 300)
- Dining Discounts — Dragon Dining via DragonPass Dine & Fly app: complimentary access to over 200 airport restaurant offers globally. VAT processing at Global Blue Lounge in London, Paris, Milan, Rome, Venice, Munich, and Madrid for Infinite cardholders. (≈ SAR 600)
- 0% Installment Plans — Installment Payment Plans allowing purchases to be paid in 3, 6, 9, or 12 monthly installments at a low monthly profit margin. Can be requested within 50 days of purchase via call center or mobile/internet banking. (≈ SAR 300)
- Free Supplementary Cards — Up to 5 supplementary cards at no additional fee. (≈ SAR 350)
Billing & Repayment
Statement Date
Monthly
Payment Due
25 days after statement date
Features
General Features
Unlimited complimentary airport lounge access via Visa Airport Companion App to 1,200 lounges worldwide plus one (1) guest per visit. Requires minimum monthly spend of SAR 3,000 in the month the benefit is used. Effective February 2026, cardholders must also complete international purchase transactions of at least USD 100 within the preceding 90 days.
24-hour concierge service including digital, telephone, and email channels. Handles reservations, travel arrangements, and hard-to-get products via Visa Infinite Concierge.
Travel services with access to medical services and advice worldwide. Car Rental Collision Damage Waiver covers damages, theft, or vandalism when renting a car with the card.
Purchase Protection insures your purchases against loss, accidental damage, or theft. Report unauthorized charges within 30 days for fraudulent card misuse protection.
Extended warranty coverage for an additional 12 months from the expiry date of the original manufacturer warranty.
Complimentary access to the Xperience with the Entertainer app with Buy One Get One Free offers and discounts at selected merchants in UAE, KSA, Qatar, Kuwait, Bahrain, Oman, Lebanon, and Jordan.
8% discount on hotel stay bookings via Hotels.com using promo code VISA8. Access to over 985,000+ properties worldwide via Agoda with up to 12% additional discount on promotion-eligible properties.
Up to 20% off with Avis car rental via avisworld.com/visa and 10% off with Budget worldwide via budgetinternational.com/visa.
YQ Meet & Assist service — discounts up to 15% on airport services such as limo transfer, visa on arrival, and baggage porters via cemea.yqnowgroup.com.
Dragon Dining via DragonPass Dine & Fly app: complimentary access to over 200 airport restaurant offers globally. VAT processing at Global Blue Lounge in London, Paris, Milan, Rome, Venice, Munich, and Madrid for Infinite cardholders.
Installment Payment Plans allowing purchases to be paid in 3, 6, 9, or 12 monthly installments at a low monthly profit margin. Can be requested within 50 days of purchase via call center or mobile/internet banking.
Up to 5 supplementary cards at no additional fee.
Card Details
Bank Information
More cards from Emirates NBD Saudi Arabia
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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