The Platinum Card
American Express Saudi Arabia
Card Information
Overview
Key Metrics
SAR 4,312.5
Annual Fee
The yearly cost of holding this card. Your rewards should exceed this amount to make the card worth it.
SAR -3,976 /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 50,000
Welcome Bonus
A one-time bonus when you open the card. 50,000 Membership Rewards Bonus Points for each successful referral; referee also receives 50,000 Membership Rewards Welcome Bonus Points
9 benefits · ≈SAR 8,772
Included Perks
Perks are estimated at SAR 8,772/yr total. The actual value depends on how often you use each benefit.
-4.73%
Return on Spend (ROI)
For every SAR 100 you spend, you get back about SAR 4.73 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 -3,776
Year 1 (incl. bonus)
SAR -3,976
Every year after
Break-Even: Spend ≥ SAR 89,844/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 (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 1,000
Benefits
- Zero FX Fee — 0% foreign exchange fees on USD transactions and international spending. Includes a Revolve Account in SAR with 0% FX fees on USD transactions. (≈ SAR 800)
- Travel Insurance — Comprehensive Platinum insurance covering travel, purchases, and refunds for complete peace of mind. (≈ SAR 1000)
- Dining Discounts — SAR 1,000 in annual dining credits at participating restaurants (SAR 500 for January–June, SAR 500 for July–December). Includes welcome drinks, up to 20% off, and same-day reservations at select restaurants. (≈ SAR 1000)
- Travel Insurance — Complimentary companion air ticket: domestic ticket capped at SAR 1,500 upon spending SAR 50,000/year, or international ticket capped at SAR 3,750 upon spending SAR 150,000/year. Up to 20% off airfares for primary and supplementary cardmembers on select airlines when booked via American Express Premium Travel Services. (≈ SAR 3750)
- Shopping Discounts — $100 statement credit per calendar year when shopping at NET-A-PORTER and MR PORTER. VIP Pass for up to 10% additional savings at The Bicester Collection Villages. (≈ SAR 575)
- 0% Installment Plans — Plan It™: Convert international purchases over SAR 3,750 into equal monthly installments at 0% Murabaha Margin over 6 months. Limited to 5 requests per calendar year. 5% of transaction per month for first 5 months; remaining 75% due in month 6. (≈ SAR 300)
- Concierge Service — Platinum Card Concierge Service providing 24/7 lifestyle and financial management, including management of the revolving account, installment plans, and travel bookings via American Express Premium Travel Services. (≈ SAR 500)
- Free Supplementary Cards — First Supplementary Metal Card is free for life. Up to 12 supplementary cards can be added. Additional Metal Cards cost SAR 647.45/year each or SAR 57.50/month per card (inclusive of VAT). (≈ SAR 647)
- Purchase Protection — Comprehensive purchase protection and refund coverage included as part of the Platinum insurance package. (≈ SAR 200)
Billing & Repayment
Statement Date
Monthly
Payment Due
25 days after statement date
Features
General Features
0% foreign exchange fees on USD transactions and international spending. Includes a Revolve Account in SAR with 0% FX fees on USD transactions.
Comprehensive Platinum insurance covering travel, purchases, and refunds for complete peace of mind.
SAR 1,000 in annual dining credits at participating restaurants (SAR 500 for January–June, SAR 500 for July–December). Includes welcome drinks, up to 20% off, and same-day reservations at select restaurants.
Complimentary companion air ticket: domestic ticket capped at SAR 1,500 upon spending SAR 50,000/year, or international ticket capped at SAR 3,750 upon spending SAR 150,000/year. Up to 20% off airfares for primary and supplementary cardmembers on select airlines when booked via American Express Premium Travel Services.
$100 statement credit per calendar year when shopping at NET-A-PORTER and MR PORTER. VIP Pass for up to 10% additional savings at The Bicester Collection Villages.
Plan It™: Convert international purchases over SAR 3,750 into equal monthly installments at 0% Murabaha Margin over 6 months. Limited to 5 requests per calendar year. 5% of transaction per month for first 5 months; remaining 75% due in month 6.
Platinum Card Concierge Service providing 24/7 lifestyle and financial management, including management of the revolving account, installment plans, and travel bookings via American Express Premium Travel Services.
First Supplementary Metal Card is free for life. Up to 12 supplementary cards can be added. Additional Metal Cards cost SAR 647.45/year each or SAR 57.50/month per card (inclusive of VAT).
Comprehensive purchase protection and refund coverage included as part of the Platinum insurance package.
Card Details
Bank Information
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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