Best AlFursan Miles Credit Cards in Saudi Arabia — September 2026
AlFursan cards reward high spend, but the fee and excluded merchant types can cut the value. We compared base rates first and treated welcome and quarterly bonuses as conditional.
Quick comparison
| Rank | Card | Best for | Annual fee | Core terms |
|---|---|---|---|---|
| 1 | BSF AlFursan Visa Infinite | Best international base earn | SAR 2,000 annual fee; a first-year waiver may apply under the current offer if its conditions are met. | One tier credit per five base miles, capped at 15,000 tier credits. |
| 2 | Al Rajhi AlFursan Infinite | Best balance of fee and earn | SAR 1,000 for mass customers or SAR 700 for affluent-and-above customers. | Annual renewal can add 25,000 miles under the current program table. |
| 3 | SAB AlFursan Black Mastercard | Best large bonus structure for high spend | SAR 1,950 annual fee for cards issued from 1 September 2025 under SAB's fee schedule; confirm VAT and current campaign terms. | Cardholder plus one guest lounge access at 1,000+ lounges is listed. |
| 4 | Riyad AlFursan Visa Signature | Best 12-visit Signature option | SAR 1,000 before VAT; 2% international fee. | Named low-earn categories receive 1 mile per SAR 12.5. |
Quick answer
BSF AlFursan Infinite has the strongest verified international base rate at one mile per SAR 1.5, but it costs SAR 2,000 a year. Al Rajhi Infinite offers the best balance for many users at one mile per SAR 2 internationally and a lower segment-based annual fee.
What this category means
An airline card credits miles to a named loyalty account under eligible-spend rules. Base miles, bonus miles, tier credits and airline status are different benefits and should not be added as if they were cash.
Fees and main limits
| Card | Published annual fee | Main limit to check |
|---|---|---|
| BSF AlFursan Visa Infinite | SAR 2,000 annual fee; a first-year waiver may apply under the current offer if its conditions are met. | The fee and SAR 40,000 quarterly target suit high, steady spend only. |
| Al Rajhi AlFursan Infinite | SAR 1,000 for mass customers or SAR 700 for affluent-and-above customers. | Miles do not offset finance cost if you carry a balance. |
| SAB AlFursan Black Mastercard | SAR 1,950 annual fee for cards issued from 1 September 2025 under SAB's fee schedule; confirm VAT and current campaign terms. | Quarterly bonuses only help if planned spend reaches SAR 40,000 without overspending. |
| Riyad AlFursan Visa Signature | SAR 1,000 before VAT; 2% international fee. | Many everyday merchant types earn at the reduced rate. |
How we reviewed and ranked
We ranked the current base earn rate, annual fee, spend needed for bonuses, low-earn categories, excluded transactions and lounge benefit. We did not assign a cash value to a mile because redemption value varies by flight.
- We used issuer pages, fee schedules and terms in force on the review date.
- We kept permanent terms separate from timed offers.
- We compared net value and restrictions, not an arbitrary score.
1. BSF AlFursan Visa Infinite — Best international base earn
It earns 1 mile per SAR 3 in Saudi Arabia and the EEA, and 1 mile per SAR 1.5 elsewhere. Spending SAR 40,000 in a quarter earns 30,000 bonus miles.
Fees and limits: SAR 2,000 annual fee; a first-year waiver may apply under the current offer if its conditions are met. The fee and SAR 40,000 quarterly target suit high, steady spend only.
Key features
- One tier credit per five base miles, capped at 15,000 tier credits.
- SADAD, wallet loads and cash withdrawals do not earn miles.
Pros
- Best verified international base rate here
- Large quarterly bonus
Cons
- SAR 2,000 annual fee
- Reduced local earn in named categories
Best fit: You spend heavily outside Saudi Arabia and can reach quarterly targets without extra purchases. Main limit: The fee and SAR 40,000 quarterly target suit high, steady spend only.
2. Al Rajhi AlFursan Infinite — Best balance of fee and earn
It earns 1 mile per SAR 3 locally, per SAR 2 internationally and per SAR 1.25 on eligible Saudia spend. The current page lists welcome and quarterly bonuses subject to spend targets.
Fees and limits: SAR 1,000 for mass customers or SAR 700 for affluent-and-above customers. Miles do not offset finance cost if you carry a balance.
Key features
- Annual renewal can add 25,000 miles under the current program table.
- Monthly profit rate: 2.5%; foreign transaction fee: 2%.
Pros
- Good Saudia purchase rate
- Lower fee than the two premium rivals
Cons
- Spend targets still matter
- Minimum payments can extend repayment for years
Best fit: You want one mile per SAR 2 internationally, useful Saudia earn and a lower fee than premium rivals. Main limit: Miles do not offset finance cost if you carry a balance.
3. SAB AlFursan Black Mastercard — Best large bonus structure for high spend
Through 31 December 2026, it earns 1 AlFursan mile per SAR 3 locally/EEA and per SAR 2 internationally. New cards can earn 30,000 miles after SAR 5,000 in 30 days, plus 20,000 miles for each SAR 40,000 quarterly target.
Fees and limits: SAR 1,950 annual fee for cards issued from 1 September 2025 under SAB's fee schedule; confirm VAT and current campaign terms. Quarterly bonuses only help if planned spend reaches SAR 40,000 without overspending.
Key features
- Cardholder plus one guest lounge access at 1,000+ lounges is listed.
- Fuel, SADAD, digital-wallet loads and several other categories are excluded or earn a lower rate.
Pros
- Strong international mile rate
- Large spend bonuses
Cons
- Very high annual fee
- Many earning exclusions
Best fit: Your planned spend reaches SAR 40,000 each quarter and you will use guest lounge access. Main limit: Quarterly bonuses only help if planned spend reaches SAR 40,000 without overspending.
4. Riyad AlFursan Visa Signature — Best 12-visit Signature option
It earns 1 mile per SAR 3 locally/EEA and per SAR 2.5 internationally. It lists 25,000 miles on activation and 15,000 more after SAR 40,000 spend, subject to current terms.
Fees and limits: SAR 1,000 before VAT; 2% international fee. Many everyday merchant types earn at the reduced rate.
Key features
- Named low-earn categories receive 1 mile per SAR 12.5.
- Twelve lounge visits after Visa's eligibility condition is met.
Pros
- Clear welcome structure
- Useful lounge benefit
Cons
- SAR 1,000 fee before VAT
- International base rate trails key rivals
Best fit: You want a Signature-tier card with a clear welcome structure and 12 lounge visits. Main limit: Many everyday merchant types earn at the reduced rate.
Which one is right for you?
- Choose BSF for the top verified international base rate.
- Choose Al Rajhi for the best fee-to-earn balance.
- Choose SAB only when quarterly spend targets are normal for you.
- Choose Riyad for a Signature card with 12 lounge visits.
Final verdict
Al Rajhi Infinite is the practical first check for most AlFursan users. BSF can win for large international spend, but its fee needs a clear redemption plan. Never carry a financed balance to earn miles; the finance cost can exceed the reward.
Frequently asked questions
Do all purchases earn the base rate?
No. SADAD, wallet loads, cash, fees, reversals and several named merchant types may be excluded or earn a lower rate.
Is a welcome bonus permanent?
No. It applies to new cards during a stated period and only after the stated activation or spend condition.
Should I pay an annual fee for miles?
Only when the miles you expect to redeem and benefits you will use exceed the fee including VAT and any foreign-use cost.
Official sources
Last reviewed: 2026-07-31. Issuers can change fees, benefits, merchant categories and offers. Read the live disclosure before applying.