Best Credit Cards for Restaurants, Groceries and Fuel in Saudi Arabia — August 2026
A category card works only when the merchant code, spend tier and cap match your bill. We compared the three common household categories using the banks' exact current tables. We researched the products in depth using their current official product, pricing, terms, and help pages.
Quick comparison
| Rank | Card | Primary use | Annual fee | Core terms |
|---|---|---|---|---|
| 1 | SNB Premium Cashback Credit Card | Best for fuel | Check SNB's current fee disclosure before applying; the product page focuses on cashback terms. | Monthly caps: fuel SAR 100; restaurants SAR 200; supermarkets SAR 200; pharmacies SAR 200. |
| 2 | Al Rajhi Cashback Plus Signature | Focus: restaurants from 3 August 2026 | SAR 450 before VAT; SAR 517.50 including 15% VAT. | The bank's 15% HungerStation headline includes 10% to the card and 5% to the HungerStation wallet. |
| 3 | SAB Cashback Visa | Focus: no-fee three-category card | No annual fee; confirm VAT treatment and current terms before applying. | Preferred-category caps: restaurants SAR 200, supermarkets SAR 100 and fuel SAR 100 per month. |
| 4 | Emirates NBD Mazyid Cashback | Focus: without a minimum-spend gate | Check the current product disclosure before applying; the cashback terms do not state the annual card fee. | Monthly caps: restaurants SAR 200; groceries SAR 200; medical SAR 100; education SAR 100; airlines/hotels SAR 100; fast food SAR 200. |
| 5 | Riyad Cashback Visa Signature | Focus: high spend across five categories | SAR 500 before VAT; SAR 575 including 15% VAT. | 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. |
Quick answer
SNB Premium ranks first because its published fuel rate is 11%, subject to a SAR 100 monthly cap. Al Rajhi Cashback Plus Signature publishes restaurant rewards from 3 August 2026. SAB has no annual fee and covers restaurants, supermarkets, and fuel.
What this category means
Category cashback pays a higher rate only for named merchant codes. The category rate can stop at a monthly cap or require a total monthly spend tier.
Fees and main limits
| Card | Published annual fee | Main limit to check |
|---|---|---|
| SNB Premium Cashback Credit Card | 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. |
| Al Rajhi Cashback Plus Signature | SAR 450 before VAT; SAR 517.50 including 15% VAT. | The higher fee is hard to recover if monthly restaurant spend is low. |
| SAB Cashback Visa | 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. |
| Emirates NBD Mazyid Cashback | 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. |
| Riyad Cashback Visa Signature | SAR 500 before VAT; SAR 575 including 15% VAT. | Low spend in the five named categories may not cover the annual fee. |
How we reviewed and ranked
We compared the verified rate, category cap, total cap, spend gate, annual fee and fallback rate. We did not add the three headline rates as if one purchase could earn all of them.
- 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. SNB Premium Cashback Credit Card — Best for fuel
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
Primary use: You spend up to about SAR 909 a month on eligible fuel and also use groceries, pharmacies and dining. Main limit: The 11% fuel rate reaches its SAR 100 cap after about SAR 909 of eligible monthly fuel spend.
2. Al Rajhi Cashback Plus Signature — Focus: restaurants from 3 August 2026
From 3 August 2026: 10% returned to the card on eligible HungerStation/food-delivery spend, 10% at restaurants, 5% at supermarkets, 0.5% on other local spend and 2% on other international spend. Total cashback stops at SAR 500 per month.
Fees and limits: SAR 450 before VAT; SAR 517.50 including 15% VAT. The higher fee is hard to recover if monthly restaurant spend is low.
Key features
- The bank's 15% HungerStation headline includes 10% to the card and 5% to the HungerStation wallet.
- Signature lounge access is 12 visits after Visa's eligibility condition is met.
Pros
- 10% restaurant rate
- Travel benefits beyond cashback
Cons
- Higher annual fee
- Same SAR 500 total cap as Platinum
Primary use: Restaurant and food-delivery spending can recover the higher annual fee. Main limit: The higher fee is hard to recover if monthly restaurant spend is low.
3. SAB Cashback Visa — Focus: no-fee three-category card
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
Primary use: You want one free card for restaurants, supermarkets and fuel and can meet its spend tiers. Main limit: The 10% headline rate does not apply below SAR 15,000 total eligible monthly spend.
4. Emirates NBD Mazyid Cashback — Focus: without a minimum-spend gate
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
Primary use: You want 10% restaurants and 5% groceries without a total-spend threshold. Main limit: Merchant category codes decide whether a purchase qualifies.
5. Riyad Cashback Visa Signature — Focus: high spend across five categories
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
Primary use: Your spend spans restaurants, supermarkets, fuel/taxis, entertainment and pharmacies. Main limit: Low spend in the five named categories may not cover the annual fee.
How do the alternatives differ from SNB Premium Cashback Credit Card?
SNB Premium Cashback Credit Card remains first on the article's stated criteria. The alternatives change the balance among fees, caps, rewards, eligibility, and spend thresholds, but none replaces the winner as the overall recommendation.
Final verdict
Choose the card for your largest category, then test the cap. A high rate with a SAR 100 cap may be worth less than a lower uncapped rate after the first part of the month.
Frequently asked questions
How much fuel spend reaches SNB's cap?
At 11%, about SAR 909 of eligible monthly fuel spend produces SAR 100 cashback.
Does a delivery app count as a restaurant?
Not always. The rate follows the merchant code and the issuer's named category, which may separate food delivery from restaurants.
Does the highest cashback rate guarantee the best return?
No. Compare the spend tier, category and total caps, annual fee, merchant code rules, exclusions, and the base rate after a cap.
Official sources
Last reviewed: 2026-07-31. Issuers can change fees, benefits, merchant categories and offers. Read the live disclosure before applying.