Platinum Credit Card
Emirates NBD Saudi Arabia
Card Information
Overview
Key Metrics
SAR 300
Annual Fee
The yearly cost of holding this card. Your rewards should exceed this amount to make the card worth it.
SAR 495 /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 300
Welcome Bonus
Annual fee waived for the first year — instant savings when you sign up.
10 benefits · ≈SAR 5,300
Included Perks
Perks are estimated at SAR 5,300/yr total. The actual value depends on how often you use each benefit.
0.59%
Return on Spend (ROI)
For every SAR 100 you spend, you get back about SAR 0.59 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 495
Every year after
Break-Even: Spend ≥ SAR 2,500/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.
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 — Complimentary access to 25 airport lounges worldwide via Visa Airport Companion App. 6 complimentary cardholder visits per calendar year. Additional visits and guest visits charged at $32 per person per visit. Effective 2 February 2026, cardholders must complete international purchase transactions of $100 within the preceding 90 days to be eligible. (≈ SAR 1800)
- Entertainment — Complimentary access to the Entertainer xperience app with Buy One Get One Free offers and discounts at selected merchant partners in UAE, KSA, Qatar, Kuwait, Bahrain, Oman, Lebanon, and Jordan. VOX Cinemas BOGOF offer available for cardholders who spend SAR 1,000 in the same month. (≈ SAR 1000)
- Dining Discounts — Dragon Dining: Complimentary access to over 200 airport restaurant offers globally via the DragonPass Dine & Fly app. (≈ SAR 600)
- Meet & Greet — YQ Meet & Assist: Discounts of up to 15% on airport meet & assist services including limo transfer, visa on arrival, and baggage porters via cemea.yqnowgroup.com. (≈ SAR 300)
- Hotel Discounts — Hotels.com: 8% discount on hotel stay bookings via www.hotels.com using promo code VISA8. Agoda.com: Up to 12% additional off on promotion eligible properties via www.agoda.com/visamena. (≈ SAR 500)
- Car Rental Discounts — Up to 20% off with AVIS car rental worldwide via www.avisworld.com/visa. 10% off with Budget across the world via www.budgetinternational.com/visa. (≈ SAR 300)
- Extended Warranty — Extended warranty provides additional 12 months coverage from the expiry date of the original manufacturer warranty on purchases made with the card. (≈ SAR 200)
- Purchase Protection — Buyers Protection: Purchases are insured for loss due to accidental damage or theft. Full policy details at www.cardholderbenefitsonline.com. (≈ SAR 200)
- 0% Installment Plans — Installment Payment Plans: Buy now and pay in 3, 6, 9, or 12 monthly installments at a low monthly profit margin. Can be activated via call center (800 754 7777) or online banking within 50 days of purchase. (≈ SAR 300)
- Digital Wallet — eSIM Data: Enjoy 25% off on all KnowRoaming eSIM data packages for international roaming via knowroaming.com. (≈ SAR 100)
Billing & Repayment
Statement Date
Monthly
Payment Due
25 days after statement date
Features
General Features
Complimentary access to 25 airport lounges worldwide via Visa Airport Companion App. 6 complimentary cardholder visits per calendar year. Additional visits and guest visits charged at $32 per person per visit. Effective 2 February 2026, cardholders must complete international purchase transactions of $100 within the preceding 90 days to be eligible.
Complimentary access to the Entertainer xperience app with Buy One Get One Free offers and discounts at selected merchant partners in UAE, KSA, Qatar, Kuwait, Bahrain, Oman, Lebanon, and Jordan. VOX Cinemas BOGOF offer available for cardholders who spend SAR 1,000 in the same month.
Dragon Dining: Complimentary access to over 200 airport restaurant offers globally via the DragonPass Dine & Fly app.
YQ Meet & Assist: Discounts of up to 15% on airport meet & assist services including limo transfer, visa on arrival, and baggage porters via cemea.yqnowgroup.com.
Hotels.com: 8% discount on hotel stay bookings via www.hotels.com using promo code VISA8. Agoda.com: Up to 12% additional off on promotion eligible properties via www.agoda.com/visamena.
Up to 20% off with AVIS car rental worldwide via www.avisworld.com/visa. 10% off with Budget across the world via www.budgetinternational.com/visa.
Extended warranty provides additional 12 months coverage from the expiry date of the original manufacturer warranty on purchases made with the card.
Buyers Protection: Purchases are insured for loss due to accidental damage or theft. Full policy details at www.cardholderbenefitsonline.com.
Installment Payment Plans: Buy now and pay in 3, 6, 9, or 12 monthly installments at a low monthly profit margin. Can be activated via call center (800 754 7777) or online banking within 50 days of purchase.
eSIM Data: Enjoy 25% off on all KnowRoaming eSIM data packages for international roaming via knowroaming.com.
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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