Titanium Islamic Credit Card
Riyad Bank
Card Information
Overview
Key Metrics
SAR 290
Annual Fee
The yearly cost of holding this card. Your rewards should exceed this amount to make the card worth it.
SAR 478 /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 290
Welcome Bonus
Annual fee waived for the first year — instant savings when you sign up.
7 benefits · ≈SAR 3,690
Included Perks
Perks are estimated at SAR 3,690/yr total. The actual value depends on how often you use each benefit.
0.57%
Return on Spend (ROI)
For every SAR 100 you spend, you get back about SAR 0.57 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 768
Year 1 (incl. bonus)
SAR 478
Every year after
Break-Even: Spend ≥ SAR 2,417/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 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
- Airport Lounge Access — Unlimited complimentary access to over 25 regional and international VIP airport lounges including Cairo, Abu Dhabi, Dubai, Jeddah, Kuwait, and Amman. Free access for the cardholder; guests pay USD 32 per visit per person. (≈ SAR 2000)
- Free Supplementary Cards — Free additional credit cards for any family members at no annual membership fee. (≈ SAR 290)
- Purchase Protection — Fraud protection for items bought using the card. (≈ SAR 200)
- Travel Insurance — Credit Shield for outstanding balance in case of any unforeseen events. (≈ SAR 500)
- 0% Installment Plans — Qasset Installment Program available to convert purchases into installment plans through Riyad Bank. (≈ SAR 300)
- Digital Wallet — Contactless payment service for purchases below SAR 300. Compatible with Apple Pay and other digital wallets. 3D Secure for safe online shopping. (≈ SAR 0)
- Shopping Discounts — Special discounts at selected shops, restaurants and hotels worldwide. (≈ SAR 400)
Billing & Repayment
Statement Date
Monthly
Payment Due
25 days after statement date
Features
General Features
Unlimited complimentary access to over 25 regional and international VIP airport lounges including Cairo, Abu Dhabi, Dubai, Jeddah, Kuwait, and Amman. Free access for the cardholder; guests pay USD 32 per visit per person.
Free additional credit cards for any family members at no annual membership fee.
Fraud protection for items bought using the card.
Credit Shield for outstanding balance in case of any unforeseen events.
Qasset Installment Program available to convert purchases into installment plans through Riyad Bank.
Contactless payment service for purchases below SAR 300. Compatible with Apple Pay and other digital wallets. 3D Secure for safe online shopping.
Special discounts at selected shops, restaurants and hotels worldwide.
Card Details
Bank Information
More cards from Riyad Bank
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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