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Best Credit Cards for Supermarkets in Saudi Arabia — September 2026

Supermarket cashback looks simple until a category cap or spend tier changes the result. We researched current issuer tables and separated supermarket rewards from restaurants, delivery, fuel and other local spend.

Quick comparison

Rank	Card	Best for	Annual fee	Core terms
1	Emirates NBD Mazyid Cashback	Best 5% rate without a stated spend gate	Check the current product disclosure before applying; the cashback terms do not state the annual card fee.	Grocery cashback cap: SAR 200 per month.
2	Al Rajhi Cashback Plus Signature	5% supermarket rate with a clear cap	SAR 450 before VAT; SAR 517.50 including 15% VAT.	Supermarket cap: SAR 200; total cashback cap: SAR 500 per month.
3	Al Rajhi Cashback Plus Platinum	Lower-fee 5% supermarket option	SAR 250 before VAT; SAR 287.50 including 15% VAT.	Supermarket cap: SAR 200 per month.
4	SNB Premium Cashback Credit Card	Published 5% supermarket category	Check SNB's current fee disclosure before applying; the product page focuses on cashback terms.	Supermarket cashback cap: SAR 200 per month.
5	SAB Cashback Visa	No-annual-fee supermarket card	No annual fee; confirm VAT treatment and current terms before applying.	The 10% supermarket tier needs SAR 15,000 total eligible monthly spend.
6	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 supermarket cap and a SAR 1,000 total monthly cap.
7	SAIB Platinum Cashback	High-spend grocery terms	Check the bank's current segment fee table; fees can differ by banking segment.	Grocery cap: SAR 100; total cashback cap: SAR 1,000 per month.

Quick answer

Emirates NBD Mazyid leads for a published 5% supermarket rate, a SAR 200 cap and no minimum spend stated in its cashback terms. Al Rajhi Signature and Platinum also publish 5% with SAR 200 category caps. SAB avoids an annual fee, but its top rate needs a total-spend tier and its supermarket cap is SAR 100.

What this category means

Supermarket cashback follows the merchant code, not only the shop name. Groceries, wholesale stores, convenience shops and online orders may receive different codes or exclusions.

Fees and main limits

Card	Published annual fee	Main limit to check
Emirates NBD Mazyid Cashback	Check the current product disclosure before applying; the cashback terms do not state the annual card fee.	Confirm that the store and transaction code qualify, then confirm the live annual fee before applying.
Al Rajhi Cashback Plus Signature	SAR 450 before VAT; SAR 517.50 including 15% VAT.	At 5%, SAR 4,000 of eligible supermarket spend reaches the category cap; other rewards still count toward the SAR 500 total cap.
Al Rajhi Cashback Plus Platinum	SAR 250 before VAT; SAR 287.50 including 15% VAT.	The 5% rate reaches the SAR 200 category cap at about SAR 4,000 of eligible monthly supermarket spend.
SNB Premium Cashback Credit Card	Check SNB's current fee disclosure before applying; the product page focuses on cashback terms.	The 5% reward reaches its category cap at about SAR 4,000 of eligible supermarket spend.
SAB Cashback Visa	No annual fee; confirm VAT treatment and current terms before applying.	At 10%, only about SAR 1,000 of eligible supermarket spend reaches the SAR 100 category cap; the tier still needs SAR 15,000 total spend.
Riyad Cashback Visa Signature	SAR 500 before VAT; SAR 575 including 15% VAT.	The 10% supermarket rate matters only when total eligible spend reaches SAR 15,000 and supermarket 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 grocery cap stays at SAR 100.

How we reviewed and ranked

We ranked the published supermarket rate, category cap, total cap, spend gate, annual fee and the rate that applies outside the named category. We did not treat a high tier as normal value unless the required spend is realistic.

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. Emirates NBD Mazyid Cashback — Best 5% rate without a stated spend gate

Mazyid lists 5% cashback at groceries with a SAR 200 monthly cap. Its cashback terms do not state a minimum spend, while eligibility follows merchant category codes.

Fees and limits: Check the current product disclosure before applying; the cashback terms do not state the annual card fee. Confirm that the store and transaction code qualify, then confirm the live annual fee before applying.

Key features

Grocery cashback cap: SAR 200 per month.

The terms group categories and can be changed by the issuer; read the current disclosure.

Pros

5% supermarket rate

No minimum spend stated in the cashback terms

Cons

Annual card fee is not stated in the cashback terms

Merchant-code assignment can exclude a grocery purchase

Best fit: You want a 5% supermarket rate and will confirm the current fee and merchant-code treatment. Main limit: Confirm that the store and transaction code qualify, then confirm the live annual fee before applying.

2. Al Rajhi Cashback Plus Signature — 5% supermarket rate with a clear cap

The current table lists 5% for supermarkets with a SAR 200 category cap and a SAR 500 total monthly cashback cap. The same table lists 10% for dining and eligible delivery on the card.

Fees and limits: SAR 450 before VAT; SAR 517.50 including 15% VAT. At 5%, SAR 4,000 of eligible supermarket spend reaches the category cap; other rewards still count toward the SAR 500 total cap.

Key features

Supermarket cap: SAR 200; total cashback cap: SAR 500 per month.

The fee and the category caps should be compared with your actual monthly spend.

Pros

5% rate with a larger category cap

Dining and delivery can add value

Cons

SAR 450 annual fee before VAT

The total cap limits combined rewards

Best fit: You can use a SAR 200 supermarket cap and also benefit from dining or food-delivery rewards. Main limit: At 5%, SAR 4,000 of eligible supermarket spend reaches the category cap; other rewards still count toward the SAR 500 total cap.

3. Al Rajhi Cashback Plus Platinum — Lower-fee 5% supermarket option

From 3 August 2026, the Platinum table lists 5% on supermarkets with a SAR 200 category cap and a SAR 500 total monthly cashback cap.

Fees and limits: SAR 250 before VAT; SAR 287.50 including 15% VAT. The 5% rate reaches the SAR 200 category cap at about SAR 4,000 of eligible monthly supermarket spend.

Key features

Supermarket cap: SAR 200 per month.

Food delivery, dining and supermarket categories share the total SAR 500 cap.

Pros

5% supermarket cashback

Lower fee than the Signature tier

Cons

SAR 250 annual fee before VAT

The category and total caps remain binding

Best fit: You want the same published supermarket rate with a lower annual fee than Signature and can use the cap. Main limit: The 5% rate reaches the SAR 200 category cap at about SAR 4,000 of eligible monthly supermarket spend.

4. SNB Premium Cashback Credit Card — Published 5% supermarket category

SNB Premium lists 5% at supermarkets with a SAR 200 monthly cap. The public page also lists 5% for local restaurants and 11% for fuel as separate categories.

Fees and limits: Check SNB's current fee disclosure before applying; the product page focuses on cashback terms. The 5% reward reaches its category cap at about SAR 4,000 of eligible supermarket spend.

Key features

Supermarket cashback cap: SAR 200 per month.

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

Pros

Clear 5% supermarket rate

Useful combination with fuel and local dining

Cons

The cap limits the monthly reward

Current annual fee needs a separate check

Best fit: You want a direct supermarket rate and will check the current fee and eligible merchant list. Main limit: The 5% reward reaches its category cap at about SAR 4,000 of eligible supermarket spend.

5. SAB Cashback Visa — No-annual-fee supermarket card

SAB pays 3%, 5% or 10% at supermarkets after total eligible monthly spend reaches SAR 2,000, SAR 10,000 or SAR 15,000. The supermarket cap is SAR 100 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. At 10%, only about SAR 1,000 of eligible supermarket spend reaches the SAR 100 category cap; the tier still needs SAR 15,000 total spend.

Key features

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

The supermarket category cap is SAR 100 per month.

Pros

No annual fee

The base local rate has no stated monthly cap

Cons

The 10% tier needs high total spend

The supermarket cap is lower than the 5% options

Best fit: You want no annual fee and can reach the total monthly spend tier for 3%, 5% or 10%. Main limit: At 10%, only about SAR 1,000 of eligible supermarket spend reaches the SAR 100 category cap; the tier still needs SAR 15,000 total spend.

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

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

Fees and limits: SAR 500 before VAT; SAR 575 including 15% VAT. The 10% supermarket rate matters only when total eligible spend reaches SAR 15,000 and supermarket spend reaches its category cap.

Key features

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

The same spend tier controls four other named categories.

Pros

High total cap for high spend

The supermarket reward can work with four other categories

Cons

SAR 500 annual fee before VAT

10% needs SAR 15,000 monthly spend

Best fit: Your supermarket spending is part of a wider high-spend plan that includes restaurants, fuel, entertainment and pharmacies. Main limit: The 10% supermarket rate matters only when total eligible spend reaches SAR 15,000 and supermarket spend reaches its category cap.

7. SAIB Platinum Cashback — High-spend grocery terms

SAIB Platinum Cashback pays 3%, 5% or 10% on grocery spend after total monthly spend reaches SAR 3,000, SAR 10,000 or SAR 15,000. The grocery cap is SAR 100 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 grocery cap stays at SAR 100.

Key features

Grocery cap: SAR 100; 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

Grocery is 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 restaurant, fuel and education categories. Main limit: The rate depends on total monthly spend while the grocery cap stays at SAR 100.

Decision checklist

No stated spend gate: Mazyid, after confirming its fee and category code.

5% with a SAR 200 cap: Al Rajhi Signature, Platinum or SNB Premium.

No annual fee: SAB, if your total spend reaches the needed tier.

High mixed spend: Riyad or SAIB, only after testing the wider cap and fee.

Final verdict

For most supermarket spend, start with Mazyid or a 5% card with a SAR 200 cap, then verify the annual fee. Choose SAB when no annual fee matters more than a high tier, and do not chase 10% unless the required total spend is normal for you.