Visa Platinum Islamic Card
Riyad Bank
Card Information
Overview
Key Metrics
SAR 390
Annual Fee
The yearly cost of holding this card. Your rewards should exceed this amount to make the card worth it.
SAR 405 /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 390
Welcome Bonus
Annual fee waived for the first year — instant savings when you sign up.
6 benefits · ≈SAR 4,190
Included Perks
Perks are estimated at SAR 4,190/yr total. The actual value depends on how often you use each benefit.
0.48%
Return on Spend (ROI)
For every SAR 100 you spend, you get back about SAR 0.48 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 405
Every year after
Break-Even: Spend ≥ SAR 3,250/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 — Unlimited complimentary access for cardholder and 2 guests to over 1,300 airport lounges in more than 500 cities worldwide through Visa Airport Companion. Also includes access to over 25 regional and international lounges. Guest visits charged at USD 32 per person per visit. (≈ SAR 3000)
- Purchase Protection — Purchase protection for items bought using the card. (≈ SAR 200)
- Extended Warranty — Extended warranty for items bought using the card. (≈ SAR 100)
- Free Supplementary Cards — Free additional card for family members at no annual membership fee. (≈ SAR 390)
- Shopping Discounts — Special discounts from Riyad Bank partners and Visa. (≈ SAR 300)
- 0% Installment Plans — Convert purchases into installments through Riyad Bank's Qasset Installment Program. (≈ SAR 200)
Billing & Repayment
Statement Date
Monthly
Payment Due
25 days after statement date
Features
General Features
Unlimited complimentary access for cardholder and 2 guests to over 1,300 airport lounges in more than 500 cities worldwide through Visa Airport Companion. Also includes access to over 25 regional and international lounges. Guest visits charged at USD 32 per person per visit.
Purchase protection for items bought using the card.
Extended warranty for items bought using the card.
Free additional card for family members at no annual membership fee.
Special discounts from Riyad Bank partners and Visa.
Convert purchases into installments through Riyad Bank's Qasset Installment Program.
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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