SNB LAK Card
Saudi National Bank (SNB)
Card Information
Overview
Key Metrics
Free
Annual Fee
No annual fee on this card — all your rewards are pure profit.
SAR 795 /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.
4 benefits · ≈SAR 1,930
Included Perks
Perks are estimated at SAR 1,930/yr total. The actual value depends on how often you use each benefit.
0.95%
Return on Spend (ROI)
For every SAR 100 you spend, you get back about SAR 0.95 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
SAR 795
Every year after
• 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 (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 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
Spend SAR 1,000/mo → earn ~SAR 0
Benefits
- Airport Lounge Access — Airport lounge access for eligible customer segments (Elite and above). (≈ SAR 800)
- Zero FX Fee — Zero cash withdrawal fees on ATM transactions. (≈ SAR 200)
- Digital Wallet — Free instant digital card issuance through the SNB Mobile App. Seamless transactions deducted directly from the customer's linked current account — no top-ups required. (≈ SAR 0)
- Balance Transfer — Bonus LAK Points awarded for key banking activities: Personal Finance Top Up via App (10,000 pts), Residential Finance (50,000 pts), Personal Loan via App (8,000 pts), Auto Lease (10,000 pts), 50/50 Auto Lease (10,000 pts), Issuing & Activating a Credit Card (5,000 pts). (≈ SAR 930)
Billing & Repayment
Statement Date
Monthly
Payment Due
25 days after statement date
Features
General Features
Airport lounge access for eligible customer segments (Elite and above).
Zero cash withdrawal fees on ATM transactions.
Free instant digital card issuance through the SNB Mobile App. Seamless transactions deducted directly from the customer's linked current account — no top-ups required.
Bonus LAK Points awarded for key banking activities: Personal Finance Top Up via App (10,000 pts), Residential Finance (50,000 pts), Personal Loan via App (8,000 pts), Auto Lease (10,000 pts), 50/50 Auto Lease (10,000 pts), Issuing & Activating a Credit Card (5,000 pts).
Card Details
Bank Information
More cards from Saudi National Bank (SNB)
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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