STC Bank Platinum Credit Card
STC Bank
Card Information
Overview
Key Metrics
SAR 250
Annual Fee
The yearly cost of holding this card. Your rewards should exceed this amount to make the card worth it.
SAR 671 /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 · 0.98% avg
Earn Rate
The top earn rate is 1% on select categories. On average, you'll earn about 0.98% across all your spending. Example: spend SAR 1,000 and earn roughly SAR 10 back.
2 benefits · ≈SAR 1,700
Included Perks
Perks are estimated at SAR 1,700/yr total. The actual value depends on how often you use each benefit.
0.8%
Return on Spend (ROI)
For every SAR 100 you spend, you get back about SAR 0.8 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 671
Year 1
SAR 671
Every year after
Break-Even: Spend ≥ SAR 2,129/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 0 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 10
Spend SAR 1,000/mo → earn ~SAR 10
Spend SAR 1,000/mo → earn ~SAR 10
Spend SAR 1,000/mo → earn ~SAR 10
Spend SAR 1,000/mo → earn ~SAR 10
Spend SAR 1,000/mo → earn ~SAR 10
Spend SAR 1,000/mo → earn ~SAR 5
Spend SAR 1,000/mo → earn ~SAR 10
Spend SAR 1,000/mo → earn ~SAR 10
Spend SAR 1,000/mo → earn ~SAR 10
Spend SAR 1,000/mo → earn ~SAR 10
Spend SAR 1,000/mo → earn ~SAR 0
Spend SAR 1,000/mo → earn ~SAR 10
Spend SAR 1,000/mo → earn ~SAR 10
Spend SAR 1,000/mo → earn ~SAR 10
Benefits
- Airport Lounge Access — Airport lounge visits: 6 visits per year (≈ SAR 1200)
- Hotel Discounts — Hotel bookings discounts (≈ SAR 500)
Billing & Repayment
Statement Date
Monthly
Payment Due
25 days after statement date
Features
General Features
Airport lounge visits: 6 visits per year
Hotel bookings discounts
Card Details
Official Program Partners
This card is linked to the following official programs. The card's true value depends on what you can do inside those programs — not just the card's own earn rate.
Lounge Partner
DragonPass
Lounge network with focus on Asia/Middle East — 1,300+ lounges plus dining credits at select airports.
Program benefits
- 1,300+ lounges globally, strong GCC coverage
- Dining pass at select airports with food/drink credit
Bank Information
More cards from STC Bank
Estimate Your Credit Card Rewards
Your Estimated Rewards
SAR 0 / year
Based on your spending profile
Data from publicly listed bank pages — verify before acting
We list products that are publicly available on each bank's website. Information, rates, fees, and benefits are sourced from those pages and may be incomplete, outdated, or different from what appears in the bank's own compare/apply flow (for example, an annual fee that only shows up inside the bank's portal). Banks may change terms at any time without notice. ALWAYS verify the full terms — especially annual fees, profit/interest rates, caps, and eligibility — directly on the bank's official website or branch before making any financial decision. Mustafeed has no formal partnership unless explicitly stated.
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