Best Cashback Credit Cards in Saudi Arabia — August 2026

The best cashback card is the one that pays on your normal spending after fees and caps. We compared current issuer tables, not the largest rate in an ad.

Quick comparison

Quick answer

SAB is the best low-cost all-round pick because it has no annual fee and uncapped 1% local and 2% international base rates. SNB Premium leads for fuel, while Riyad Cashback has the highest verified total monthly cap for high spenders.

What this category means

Cashback is a credit posted to the card under an issuer's eligible-transaction rules. The merchant code, spend tier, category cap, total cap, excluded transactions and annual fee decide the real return.

Fees and main limits

How we reviewed and ranked

We ranked net value for common Saudi spending, clarity of rules, annual fee, spend needed for the advertised rate, category caps and the fallback rate after a cap. We did not assign a made-up score.

• 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. SAB Cashback Visa — Best overall with no annual fee

1% uncapped on eligible local spend and 2% uncapped on eligible international spend. Three preferred categories—restaurants, supermarkets and fuel—pay 3%, 5% or 10% once total eligible monthly spend reaches SAR 2,000, SAR 10,000 or SAR 15,000.

Fees and limits: No annual fee; confirm VAT treatment and current terms before applying. The 10% headline rate does not apply below SAR 15,000 total eligible monthly spend.

Key features

• Preferred-category caps: restaurants SAR 200, supermarkets SAR 100 and fuel SAR 100 per month.

• The ordinary local and international cashback rates have no stated monthly cap.

Pros

• No annual fee

• Clear uncapped base rates

Cons

• Top category rates need high total spend

• Each preferred category has its own cap

Best fit: You want simple base cashback and can route restaurant, grocery and fuel spending to one card. Main limit: The 10% headline rate does not apply below SAR 15,000 total eligible monthly spend.

2. SNB Premium Cashback Credit Card — Best for fuel and uncapped base spend

11% on fuel, 5% on local restaurants and delivery, 5% at supermarkets, 5% at pharmacies, 2% on eligible international spend other than euro transactions, and 0.7% on other eligible spend.

Fees and limits: Check SNB's current fee disclosure before applying; the product page focuses on cashback terms. The 11% fuel rate reaches its SAR 100 cap after about SAR 909 of eligible monthly fuel spend.

Key features

• Monthly caps: fuel SAR 100; restaurants SAR 200; supermarkets SAR 200; pharmacies SAR 200.

• The 2% international and 0.7% other-spend rates are described as unlimited, subject to the card limit and exclusions.

Pros

• Highest verified fuel rate in this set

• Useful uncapped base cashback

Cons

• Fuel cap limits the 11% benefit

• Euro transactions do not get the 2% international rate

Best fit: You spend on fuel, pharmacies, groceries and local dining and will check the annual fee before issue. Main limit: The 11% fuel rate reaches its SAR 100 cap after about SAR 909 of eligible monthly fuel spend.

3. Riyad Cashback Visa Signature — Best for high monthly spend

Five selected categories—supermarkets, restaurants, fuel/taxis, entertainment and pharmacies—earn 5%, 7% or 10% based on total eligible monthly spend of SAR 2,500, SAR 7,500 or SAR 15,000.

Fees and limits: SAR 500 before VAT; SAR 575 including 15% VAT. Low spend in the five named categories may not cover the annual fee.

Key features

• Total monthly caps are SAR 500, SAR 750 or SAR 1,000 by spend tier; each category also has a SAR 100, SAR 150 or SAR 200 cap.

• Twelve lounge visits after the Visa international-spend eligibility rule is met.

Pros

• High total cashback cap

• Five useful categories

Cons

• Needs SAR 15,000 monthly spend for 10%

• Annual fee before VAT is SAR 500

Best fit: Your eligible spend regularly exceeds SAR 15,000 and is spread across the five named categories. Main limit: Low spend in the five named categories may not cover the annual fee.

4. Emirates NBD Mazyid Cashback — Best broad category mix without minimum spend

10% at restaurants, 5% at groceries, 5% at medical and pharmacies, 5% for schools and education, 2% on airlines and hotels, 2% at fast-food merchants and 0.5% on other eligible spend. No minimum spend is stated in the cashback terms.

Fees and limits: Check the current product disclosure before applying; the cashback terms do not state the annual card fee. Merchant category codes decide whether a purchase qualifies.

Key features

• Monthly caps: restaurants SAR 200; groceries SAR 200; medical SAR 100; education SAR 100; airlines/hotels SAR 100; fast food SAR 200.

• Other eligible spend earns 0.5% without a stated cap in the cashback terms.

Pros

• Wide set of everyday categories

• No cashback minimum spend

Cons

• Several separate caps

• Annual card fee needs a separate current disclosure

Best fit: You want restaurant, grocery, health, education and travel categories without a cashback spend gate. Main limit: Merchant category codes decide whether a purchase qualifies.

5. Al Rajhi Cashback Plus Platinum — Best for food delivery from 3 August 2026

From 3 August 2026: 10% on food delivery, 5% on restaurants, 5% on supermarkets, 0.5% on other local spend and 2% on other international spend. The total monthly cashback cap is SAR 500.

Fees and limits: SAR 250 before VAT; SAR 287.50 including 15% VAT. Use the new schedule for spending posted from 3 August 2026; earlier transactions follow the old table.

Key features

• Food delivery, restaurant and supermarket categories each have a SAR 200 monthly cap.

• Six lounge visits for Platinum cards after Visa eligibility rules are met.

Pros

• Strong food-delivery rate

• Useful international base rate

Cons

• SAR 500 total monthly cap

• Rules change on 3 August 2026

Best fit: Food delivery and supermarkets form a large share of your monthly spending. Main limit: Use the new schedule for spending posted from 3 August 2026; earlier transactions follow the old table.

6. SAIB Platinum Cashback — Best for education plus daily categories

Grocery, fuel, restaurants and education earn 3%, 5% or 10% after total monthly spend reaches SAR 3,000, SAR 10,000 or SAR 15,000. Other local spend earns 0.5% and eligible international spend earns 1.5%.

Fees and limits: Check the bank's current segment fee table; fees can differ by banking segment. The rate depends on total spend, while category caps stay fixed.

Key features

• Monthly caps: grocery SAR 100, fuel SAR 100, restaurants SAR 200 and education SAR 200; total cashback cap SAR 1,000.

• Other local and eligible international cashback has no category cap stated on the page.

Pros

• Education included

• SAR 1,000 total monthly cap

Cons

• Top rates need high total spend

• Small grocery and fuel caps

Best fit: You can reach the spend tier and use the education, restaurant, grocery and fuel categories. Main limit: The rate depends on total spend, while category caps stay fixed.

Which one is right for you?

• Choose SAB if you want no annual fee and clear base rates.

• Choose SNB Premium if fuel is your largest capped category.

• Choose Riyad Cashback only if your normal spend reaches its high tiers.

• Choose Mazyid if you need education and health categories without a minimum-spend gate.

Final verdict

For most users, SAB offers the cleanest fee-to-reward balance. High spenders should model Riyad Cashback, and fuel-heavy users should model SNB Premium. Use your last three months of spending; a 10% headline means little when the spend tier or cap blocks it.

Frequently asked questions

Does cashback cancel the annual fee?

No. Subtract the annual fee including VAT from expected yearly cashback. If the result is negative, a free card is cheaper.

Why did my purchase earn the wrong rate?

Issuers use the merchant category code sent with the transaction. A shop's business name does not control that code.

Are wallet loads eligible?

Usually not. Check each card's exclusions; wallet loads, cash, SADAD, fees, reversals and transfers often earn nothing.

Official sources

• SAB Cashback Visa

• SNB Premium Cashback Credit Card

• Riyad Cashback Visa Signature

• Emirates NBD Mazyid Cashback Terms

• Al Rajhi Cashback Plus Platinum

• SAIB Platinum Cashback Credit Card

• SAMA — Rules for Issuance and Operation of Credit Cards

• ZATCA — VAT Financial Services Guideline

Last reviewed: 2026-07-31. Issuers can change fees, benefits, merchant categories and offers. Read the live disclosure before applying.