World Islamic Mastercard Credit Card
Riyad Bank
Card Information
Overview
Key Metrics
SAR 750
Annual Fee
The yearly cost of holding this card. Your rewards should exceed this amount to make the card worth it.
SAR 903 /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 to the Hassad Rewards program
10 benefits · ≈SAR 8,450
Included Perks
Perks are estimated at SAR 8,450/yr total. The actual value depends on how often you use each benefit.
1.08%
Return on Spend (ROI)
For every SAR 100 you spend, you get back about SAR 1.08 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 908
Year 1 (incl. bonus)
SAR 903
Every year after
Break-Even: Spend ≥ SAR 3,092/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 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
Benefits
- Airport Lounge Access — Enjoy 20 complimentary visits to over 1,300 airport lounges in more than 450 cities worldwide via Mastercard Travel Pass. Also includes complimentary access to Marhaba and CAC lounges in over 135 countries. (≈ SAR 4000)
- Travel Insurance — Travel and Medical Insurance for up to $500,000, including a seamless online process to obtain a 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 200)
- 0% Installment Plans — Split your payments into equal installments over 12 months with your Riyad Bank credit card at participating Qasset 0% partners. (≈ SAR 300)
- Entertainment — Complimentary muvi Cinema tickets every month under Buy One Get One Free offer. Exclusive access to dining, travel and entertainment experiences worldwide with Priceless Cities offers from Mastercard. (≈ SAR 600)
- Hotel Discounts — Up to 7% cashback when booking your next stay on Booking.com. Get 15% off your stay, a free drink, and a leisurely late checkout at IHG Hotels and Resorts. Up to 20% off hotels and flights on Trip.com with access to over 1.1 million hotels and 500 airlines using promocode MCTRIP20. (≈ SAR 500)
- Car Rental Discounts — Up to 15% off rentals with Hertz, Gold Plus Rewards President's Circle membership with expedited service and upgrades. Get up to 35% off with Avis car rental and complimentary Avis President's Club membership with priority service and upgrades. (≈ SAR 400)
- Delivery Discounts — Enjoy 2 complimentary airport rides per year with Careem KSA using promo code MAKSA2 when booking a ride to or from the airport. (≈ SAR 150)
- Shopping Discounts — Exclusive Offers for Riyad Bank cardholders at various stores, restaurants, and markets. Unlock 6 months of complimentary Amazon Prime including free delivery, exclusive deals, and unlimited streaming. (≈ SAR 300)
- Concierge Service — Exclusive access to world-class concierge and lifestyle services as a World Mastercard benefit. (≈ SAR 500)
Billing & Repayment
Statement Date
Monthly
Payment Due
25 days after statement date
Features
General Features
Enjoy 20 complimentary visits to over 1,300 airport lounges in more than 450 cities worldwide via Mastercard Travel Pass. Also includes complimentary access to Marhaba and CAC lounges in over 135 countries.
Travel and Medical Insurance for up to $500,000, including a seamless online process to obtain a 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.
Split your payments into equal installments over 12 months with your Riyad Bank credit card at participating Qasset 0% partners.
Complimentary muvi Cinema tickets every month under Buy One Get One Free offer. Exclusive access to dining, travel and entertainment experiences worldwide with Priceless Cities offers from Mastercard.
Up to 7% cashback when booking your next stay on Booking.com. Get 15% off your stay, a free drink, and a leisurely late checkout at IHG Hotels and Resorts. Up to 20% off hotels and flights on Trip.com with access to over 1.1 million hotels and 500 airlines using promocode MCTRIP20.
Up to 15% off rentals with Hertz, Gold Plus Rewards President's Circle membership with expedited service and upgrades. Get up to 35% off with Avis car rental and complimentary Avis President's Club membership with priority service and upgrades.
Enjoy 2 complimentary airport rides per year with Careem KSA using promo code MAKSA2 when booking a ride to or from the airport.
Exclusive Offers for Riyad Bank cardholders at various stores, restaurants, and markets. Unlock 6 months of complimentary Amazon Prime including free delivery, exclusive deals, and unlimited streaming.
Exclusive access to world-class concierge and lifestyle services as a World Mastercard benefit.
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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