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Best Credit Cards for Restaurants in Saudi Arabia — September 2026

The highest restaurant rate is not always the best return. We researched current issuer tables and separated dining rewards from food delivery, caps, annual fees and total-spend gates.

Quick comparison

Rank	Card	Best for	Annual fee	Core terms
1	Al Rajhi Cashback Plus Signature	Best published dining rate	SAR 450 before VAT; SAR 517.50 including 15% VAT.	SAR 200 monthly cap for dining; the total cashback cap is SAR 500.
2	Emirates NBD Mazyid Cashback	Published 10% rate without a stated spend gate	Check the current product disclosure before applying; the cashback terms do not state the annual card fee.	Restaurant cashback cap: SAR 200 per month.
3	SNB Premium Cashback Credit Card	5% local dining and delivery option	Check SNB's current fee disclosure before applying; the product page focuses on cashback terms.	Restaurant cashback cap: SAR 200 per month.
4	SAB Cashback Visa	No-annual-fee restaurant card	No annual fee; confirm VAT treatment and current terms before applying.	The 10% restaurant tier needs SAR 15,000 total eligible monthly spend.
5	Riyad Cashback Visa Signature	High-spend five-category terms	SAR 500 before VAT; SAR 575 including 15% VAT.	The 10% tier has a SAR 200 restaurant cap and a SAR 1,000 total monthly cap.
6	SAIB Platinum Cashback	High-spend daily-category terms	Check the bank's current segment fee table; fees can differ by banking segment.	Restaurant cap: SAR 200; total cashback cap: SAR 1,000 per month.

Quick answer

Al Rajhi Cashback Plus Signature has the strongest published dining rate in this set at 10%, with a SAR 200 dining cap. Emirates NBD Mazyid also lists 10% at restaurants with a SAR 200 cap and no minimum spend stated in its cashback terms. SAB is the clearest no-annual-fee option, but its top restaurant rate needs a high total-spend tier.

What this category means

Restaurant cashback follows the merchant category code sent with the payment. A restaurant brand, delivery app or food court can receive a different code, so the advertised rate does not apply to every food purchase.

Fees and main limits

Card	Published annual fee	Main limit to check
Al Rajhi Cashback Plus Signature	SAR 450 before VAT; SAR 517.50 including 15% VAT.	At 10%, about SAR 2,000 of eligible dining reaches the category cap; the total cap still applies across categories.
Emirates NBD Mazyid Cashback	Check the current product disclosure before applying; the cashback terms do not state the annual card fee.	Treat the 10% as conditional on the issuer's category code and confirm the live fee disclosure before applying.
SNB Premium Cashback Credit Card	Check SNB's current fee disclosure before applying; the product page focuses on cashback terms.	The restaurant cap limits the value of the 5% rate; the issuer's transaction category still decides eligibility.
SAB Cashback Visa	No annual fee; confirm VAT treatment and current terms before applying.	Do not count on 10% unless your eligible monthly spend normally reaches SAR 15,000; the category cap remains SAR 200.
Riyad Cashback Visa Signature	SAR 500 before VAT; SAR 575 including 15% VAT.	The headline restaurant rate is only useful when your total eligible spend reaches the tier and your restaurant spend reaches its category cap.
SAIB Platinum Cashback	Check the bank's current segment fee table; fees can differ by banking segment.	The rate depends on total monthly spend while the restaurant cap stays at SAR 200.

How we reviewed and ranked

We ranked the published dining rate, restaurant cap, total cashback cap, annual fee, spend gate and fallback rate. We kept food delivery separate when the issuer gives it a separate category or wallet reward.

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. Al Rajhi Cashback Plus Signature — Best published dining rate

The current table lists 10% cashback for dining and 10% on eligible food delivery credited to the card. Dining cashback has a SAR 200 monthly cap and total cashback has a SAR 500 monthly cap.

Fees and limits: SAR 450 before VAT; SAR 517.50 including 15% VAT. At 10%, about SAR 2,000 of eligible dining reaches the category cap; the total cap still applies across categories.

Key features

SAR 200 monthly cap for dining; the total cashback cap is SAR 500.

The HungerStation 15% offer splits 10% to the card and 5% to the HungerStation wallet.

Pros

10% published dining rate

Food-delivery reward can also reach 10% on the card

Cons

SAR 450 annual fee before VAT

Dining cashback stops at SAR 200 per month

Best fit: You spend enough at restaurants to use a SAR 200 category cap and can justify the annual fee. Main limit: At 10%, about SAR 2,000 of eligible dining reaches the category cap; the total cap still applies across categories.

2. Emirates NBD Mazyid Cashback — Published 10% rate without a stated spend gate

Mazyid lists 10% cashback at restaurants with a SAR 200 monthly cap. Its cashback terms do not state a minimum spend, but the bank defines eligible categories through merchant codes.

Fees and limits: Check the current product disclosure before applying; the cashback terms do not state the annual card fee. Treat the 10% as conditional on the issuer's category code and confirm the live fee disclosure before applying.

Key features

Restaurant cashback cap: SAR 200 per month.

The bank can change the program and the merchant category assignment controls eligibility.

Pros

10% restaurant rate

No minimum spend stated in the cashback terms

Cons

The cashback terms do not state the annual card fee

Merchant-code assignment can exclude a food purchase

Best fit: You want a high restaurant rate and will confirm the current card fee and merchant-code rules. Main limit: Treat the 10% as conditional on the issuer's category code and confirm the live fee disclosure before applying.

3. SNB Premium Cashback Credit Card — 5% local dining and delivery option

SNB Premium lists 5% on local restaurants and delivery, with a SAR 200 restaurant cap. It also publishes 11% on fuel, but that is a separate category.

Fees and limits: Check SNB's current fee disclosure before applying; the product page focuses on cashback terms. The restaurant cap limits the value of the 5% rate; the issuer's transaction category still decides eligibility.

Key features

Restaurant cashback cap: SAR 200 per month.

The public product page does not show every merchant-code detail; check the application disclosure.

Pros

Clear 5% local dining rate

Delivery is included in the published local category

Cons

Lower headline rate than the 10% options

Current annual fee needs a separate check

Best fit: You want a published restaurant and delivery category with a moderate cap and will check the current fee. Main limit: The restaurant cap limits the value of the 5% rate; the issuer's transaction category still decides eligibility.

4. SAB Cashback Visa — No-annual-fee restaurant card

SAB pays 3%, 5% or 10% on restaurants as total eligible monthly spend reaches SAR 2,000, SAR 10,000 or SAR 15,000. The restaurant cap is SAR 200, and the base local rate is 1% without a stated cap.

Fees and limits: No annual fee; confirm VAT treatment and current terms before applying. Do not count on 10% unless your eligible monthly spend normally reaches SAR 15,000; the category cap remains SAR 200.

Key features

The 10% restaurant tier needs SAR 15,000 total eligible monthly spend.

The restaurant category cap is SAR 200 per month.

Pros

No annual fee

Clear tiered restaurant rules

Cons

The top rate needs high total spend

The category cap limits the 10% reward

Best fit: You want no annual fee and can reach the total monthly spend tier for the restaurant rate you need. Main limit: Do not count on 10% unless your eligible monthly spend normally reaches SAR 15,000; the category cap remains SAR 200.

5. Riyad Cashback Visa Signature — High-spend five-category terms

Riyad Cashback pays 5%, 7% or 10% in restaurants based on total eligible monthly spend of SAR 2,500, SAR 7,500 or SAR 15,000. The restaurant cap rises from SAR 100 to SAR 200 by tier.

Fees and limits: SAR 500 before VAT; SAR 575 including 15% VAT. The headline restaurant rate is only useful when your total eligible spend reaches the tier and your restaurant spend reaches its category cap.

Key features

The 10% tier has a SAR 200 restaurant cap and a SAR 1,000 total monthly cap.

The card also covers four other named categories, so the same spend tier affects the wider return.

Pros

High total cap for high spend

Restaurant reward sits within a five-category program

Cons

SAR 500 annual fee before VAT

10% needs SAR 15,000 monthly spend

Best fit: Your restaurant spend sits inside a wider plan that also uses supermarkets, fuel, entertainment and pharmacies. Main limit: The headline restaurant rate is only useful when your total eligible spend reaches the tier and your restaurant spend reaches its category cap.

6. SAIB Platinum Cashback — High-spend daily-category terms

SAIB Platinum Cashback pays 3%, 5% or 10% on restaurants after total monthly spend reaches SAR 3,000, SAR 10,000 or SAR 15,000. The restaurant cap is SAR 200 and the total cashback cap is SAR 1,000.

Fees and limits: Check the bank's current segment fee table; fees can differ by banking segment. The rate depends on total monthly spend while the restaurant cap stays at SAR 200.

Key features

Restaurant cap: SAR 200; total cashback cap: SAR 1,000 per month.

Other local spend earns 0.5% and eligible international spend earns 1.5%.

Pros

High total cashback cap

Restaurants are part of a wider daily-spend set

Cons

Top rates need high total spend

Annual fee varies by banking segment

Best fit: You can reach the spend tier and also use SAIB's grocery, fuel and education categories. Main limit: The rate depends on total monthly spend while the restaurant cap stays at SAR 200.

Decision checklist

Highest dining rate: Al Rajhi Signature, after checking its fee and cap.

10% without a stated spend gate: Mazyid, after confirming the live fee and merchant code.

No annual fee: SAB, if you can reach the tier you need.

High mixed spend: Riyad or SAIB, only when the wider tier pays back the fee.

Final verdict

For a restaurant-first choice, start with Al Rajhi Signature or Mazyid, then test the SAR 200 cap against your real monthly dining spend. Choose SAB when avoiding an annual fee matters more than reaching a 10% tier.