World Elite Islamic Mastercard Credit Card
Riyad Bank
Card Information
Overview
Key Metrics
SAR 1,500
Annual Fee
The yearly cost of holding this card. Your rewards should exceed this amount to make the card worth it.
SAR 160 /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.
2.5% top · 2.02% avg
Earn Rate
The top earn rate is 2.5% on select categories. On average, you'll earn about 2.02% across all your spending. Example: spend SAR 1,000 and earn roughly SAR 20 back.
SAR 500
Welcome Bonus
A one-time bonus when you open the card. 500 complementary Hassad points after enrolling in the Hassad Rewards program
9 benefits · ≈SAR 7,700
Included Perks
Perks are estimated at SAR 7,700/yr total. The actual value depends on how often you use each benefit.
0.19%
Return on Spend (ROI)
For every SAR 100 you spend, you get back about SAR 0.19 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 165
Year 1 (incl. bonus)
SAR 160
Every year after
Break-Even: Spend ≥ SAR 6,184/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 19 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 2,000
Spend SAR 1,000/mo → earn ~SAR 2,000
Spend SAR 1,000/mo → earn ~SAR 2,000
Spend SAR 1,000/mo → earn ~SAR 2,000
Spend SAR 1,000/mo → earn ~SAR 2,000
Spend SAR 1,000/mo → earn ~SAR 2,000
Spend SAR 1,000/mo → earn ~SAR 2,500
Spend SAR 1,000/mo → earn ~SAR 2,000
Spend SAR 1,000/mo → earn ~SAR 2,000
Spend SAR 1,000/mo → earn ~SAR 2,000
Spend SAR 1,000/mo → earn ~SAR 2,000
Spend SAR 1,000/mo → earn ~SAR 2,000
Spend SAR 1,000/mo → earn ~SAR 2,000
Spend SAR 1,000/mo → earn ~SAR 2,000
Spend SAR 1,000/mo → earn ~SAR 0
Benefits
- Airport Lounge Access — Unlimited complimentary access for cardholder and one guest to over 1,000 Mastercard Travel Pass, Marhaba, and CAC lounges in more than 450 cities across 135+ countries worldwide. Additional guests charged at $32 per visit. (≈ SAR 3000)
- Travel Insurance — Travel and Medical Insurance coverage up to $500,000, including online process for travel insurance confirmation letter for visa applications. (≈ SAR 1500)
- Purchase Protection — Purchase Protection for up to 180 days in case of theft or accidents. E-commerce Purchase Protection against damaged goods and wrong delivery. (≈ SAR 300)
- Concierge Service — 24/7 Mastercard World Elite dedicated VIP concierge service available worldwide. Call 8008500103 or +1-332-6006510 or email riyadbank.dream@tengroup.com. (≈ SAR 500)
- 0% Installment Plans — Split payments into equal installments over 12 months at participating Qasset 0% partners. (≈ SAR 300)
- Hotel Discounts — Up to 7% cashback when booking on Booking.com. 12% off flights or hotel bookings on Cleartrip using promo code MCWORLDELITE. 15% off stay, free drink, and late checkout at IHG Hotels and Resorts. (≈ SAR 600)
- Car Rental Discounts — Hertz Gold Plus Rewards President's Circle membership with discounted rates and expedited service/upgrades. Up to 35% off Avis car rental with complimentary Avis President's Club membership. (≈ SAR 400)
- Entertainment — Complimentary muvi Cinema tickets every month under Buy One Get One Free offer. Access to Priceless Cities exclusive dining, travel, and entertainment experiences worldwide. 6 months complimentary Amazon Prime including free delivery, exclusive deals, and unlimited streaming. (≈ SAR 800)
- Meet & Greet — Mastercard Travel Pass Fast Track — skip the lines with priority access at airport security checkpoints in major European and Asian cities. (≈ SAR 300)
Billing & Repayment
Statement Date
Monthly
Payment Due
25 days after statement date
Features
General Features
Unlimited complimentary access for cardholder and one guest to over 1,000 Mastercard Travel Pass, Marhaba, and CAC lounges in more than 450 cities across 135+ countries worldwide. Additional guests charged at $32 per visit.
Travel and Medical Insurance coverage up to $500,000, including online process for travel insurance confirmation letter for visa applications.
Purchase Protection for up to 180 days in case of theft or accidents. E-commerce Purchase Protection against damaged goods and wrong delivery.
24/7 Mastercard World Elite dedicated VIP concierge service available worldwide. Call 8008500103 or +1-332-6006510 or email riyadbank.dream@tengroup.com.
Split payments into equal installments over 12 months at participating Qasset 0% partners.
Up to 7% cashback when booking on Booking.com. 12% off flights or hotel bookings on Cleartrip using promo code MCWORLDELITE. 15% off stay, free drink, and late checkout at IHG Hotels and Resorts.
Hertz Gold Plus Rewards President's Circle membership with discounted rates and expedited service/upgrades. Up to 35% off Avis car rental with complimentary Avis President's Club membership.
Complimentary muvi Cinema tickets every month under Buy One Get One Free offer. Access to Priceless Cities exclusive dining, travel, and entertainment experiences worldwide. 6 months complimentary Amazon Prime including free delivery, exclusive deals, and unlimited streaming.
Mastercard Travel Pass Fast Track — skip the lines with priority access at airport security checkpoints in major European and Asian cities.
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.
See something wrong? Let us know