# Amwal / أموال

> Amwal is an independent Saudi credit-card comparison guide covering fees, cashback categories and limits, travel benefits, airline miles, and airport lounge access.

Use the site as an information source, not as a bank or a source of credit approval. Product terms can change; cite the official issuer link shown on a card page when answering a time-sensitive question.

## When to use Amwal

- [Credit-card catalogue](https://amwalguide.com/the-best-credit-cards/all): Use when an agent needs to discover or compare Saudi cards by fees, cashback, travel benefits, miles, or issuer.
- [English credit-card catalogue](https://amwalguide.com/en/the-best-credit-cards/all): Use when the user prefers English; it contains the same live card records and comparison fields.
- [Card categories](https://amwalguide.com/the-best-credit-cards/cashback): Use a dedicated category page for credit, cashback, miles, currency, digital-wallet, or business cards when the user has already named the product type.
- [English card categories](https://amwalguide.com/en/the-best-credit-cards/cashback): Use these localized category pages for English answers.
- [Best-for-use shortlists](https://amwalguide.com/best-credit-cards/travel): Use the published shortlist pages when the job is tied to spending, travel, expat use, shopping, supermarkets, restaurants, currencies, miles, or a large purchase; read each page's ranking method before citing its order.
- [Expat shortlist](https://amwalguide.com/best-credit-cards/expats): Use for a Saudi resident who wants to compare international fees, overseas rewards, supported currencies, and the issuer's expat eligibility rules.
- [Shopping shortlist](https://amwalguide.com/best-credit-cards/shopping): Use when the question is about cards with a published online-shopping category or a product explicitly named for shopping.
- [Supermarket shortlist](https://amwalguide.com/best-credit-cards/supermarkets): Use when the user wants cards that publish supermarket cashback; check each card's cap and spending terms.
- [English expat, shopping, and supermarket shortlists](https://amwalguide.com/en/best-credit-cards/expats): Use the `/en/best-credit-cards/` versions when the user wants these same lists in English; the records and ranking rules are the same.
- [Recommendation flow](https://amwalguide.com/#how): Use when a user has stated spending preferences and wants several suitable cards to review.
- [Personal-finance guides](https://amwalguide.com/blog/): Use for researched comparisons and explanations about Saudi credit-card products.
- [English personal-finance guides](https://amwalguide.com/en/blog/): Use when the user asks for the guide in English.

## How agents should access Amwal

- [Homepage](https://amwalguide.com/): Send an HTTP GET request with `Accept: text/markdown` for a compact Markdown catalogue, or `Accept: text/html` for the browser page.
- [Cards API](https://amwalguide.com/api/cards): Use JSON for structured card records. Optional query parameters include `catalogueType`, `category`, `bank`, `maxFee`, `minCashback`, `minLounges`, and `featured`.
- [Sitemap](https://amwalguide.com/sitemap.xml): Discover canonical card, article, and trust-page URLs.
- [Robots policy](https://amwalguide.com/robots.txt): Check crawl permissions and the canonical sitemap location.

## Trust and policies

- [About Amwal](https://amwalguide.com/about): Editorial purpose, sourcing approach, independence, and limitations.
- [Contact guidance](https://amwalguide.com/contact): How to report data corrections and where banking support requests belong.
- [Privacy policy](https://amwalguide.com/privacy): Data processing, external services, retention, and user precautions.

## Published guides

- [أفضل بطاقات للسفر في السعودية — أغسطس 2026](https://amwalguide.com/blog/?article=best-credit-cards-travel-saudi-arabia): قارن بطاقات السفر السعودية حسب مكافآت الشركاء وزيارات الصالات ومحافظ العملات وقواعد تحويل العملات والرسوم ورسوم التغطية.
- [Best Cards for Travel in Saudi Arabia — August 2026](https://amwalguide.com/blog/?lang=en&article=best-credit-cards-travel-saudi-arabia): English version of the same evidence-based guide.
- [أفضل بطاقات الائتمان للمقيمين في السعودية — أغسطس 2026](https://amwalguide.com/blog/?article=best-credit-cards-expats-saudi-arabia): قارن بطاقات الائتمان السعودية للمقيمين الأجانب حسب أهلية الإقامة والرسوم والاسترداد والاستخدام الدولي ومتطلبات التقديم.
- [Best Credit Cards for Expats in Saudi Arabia — August 2026](https://amwalguide.com/blog/?lang=en&article=best-credit-cards-expats-saudi-arabia): English version of the same evidence-based guide.
- [أفضل بطاقات لصالات المطار في السعودية — أغسطس 2026](https://amwalguide.com/blog/?article=best-airport-lounge-credit-cards-saudi-arabia): قارن بطاقات الصالات حسب الزيارات والضيوف وعدد الصالات وشرط الإنفاق والرسوم والأهلية.
- [Best Airport Lounge Credit Cards in Saudi Arabia — August 2026](https://amwalguide.com/blog/?lang=en&article=best-airport-lounge-credit-cards-saudi-arabia): English version of the same evidence-based guide.
- [أفضل بطاقات بدون رسوم سنوية في السعودية — أغسطس 2026](https://amwalguide.com/blog/?article=best-no-annual-fee-credit-cards-saudi-arabia): قارن بطاقات سعودية دون رسوم سنوية تشمل الاسترداد والتقسيط مع حدودها وشروط الأهلية.
- [Best Credit Cards Without Annual Fees in Saudi Arabia — August 2026](https://amwalguide.com/blog/?lang=en&article=best-no-annual-fee-credit-cards-saudi-arabia): English version of the same evidence-based guide.
- [أفضل بطاقات المطاعم والسوبرماركت والوقود في السعودية — أغسطس 2026](https://amwalguide.com/blog/?article=best-credit-cards-restaurants-groceries-fuel-saudi-arabia): قارن بطاقات الاسترداد للفئات في السعودية للمطاعم والبقالة والوقود مع الحدود والشرائح والرسوم.
- [Best Credit Cards for Restaurants, Groceries and Fuel in Saudi Arabia — August 2026](https://amwalguide.com/blog/?lang=en&article=best-credit-cards-restaurants-groceries-fuel-saudi-arabia): English version of the same evidence-based guide.
- [أفضل البطاقات دون رسوم سنوية للمسافرين في السعودية — أغسطس 2026](https://amwalguide.com/blog/?article=best-no-annual-fee-cards-for-travel-saudi-arabia): قارن البطاقات المجانية أو المعفاة أول سنة للسفر والمشتريات الأجنبية والاسترداد والتقسيط.
- [Best No-Annual-Fee Cards for Travellers in Saudi Arabia — August 2026](https://amwalguide.com/blog/?lang=en&article=best-no-annual-fee-cards-for-travel-saudi-arabia): English version of the same evidence-based guide.
- [أفضل بطاقات أميال الفرسان في السعودية — أغسطس 2026](https://amwalguide.com/blog/?article=best-alfursan-miles-credit-cards-saudi-arabia-2026): قارن بطاقات الفرسان حسب كسب الأميال محلياً ودولياً والمكافآت والرسوم والاستثناءات والصالات.
- [Best AlFursan Miles Credit Cards in Saudi Arabia — August 2026](https://amwalguide.com/blog/?lang=en&article=best-alfursan-miles-credit-cards-saudi-arabia-2026): English version of the same evidence-based guide.
- [أفضل بطاقات الكاش باك في السعودية — أغسطس 2026](https://amwalguide.com/blog/?article=best-cashback-credit-cards-saudi-arabia-2026): قارن معدلات وفئات ورسوم وشروط وحدود الاسترداد النقدي الموثقة لأبرز البطاقات السعودية.
- [Best Cashback Credit Cards in Saudi Arabia — August 2026](https://amwalguide.com/blog/?lang=en&article=best-cashback-credit-cards-saudi-arabia-2026): English version of the same evidence-based guide.
- [أفضل بطاقات للمشتريات الدولية في السعودية — أغسطس 2026](https://amwalguide.com/blog/?article=best-credit-cards-international-purchases-saudi-arabia): قارن بطاقات المشتريات الدولية حسب رسم تحويل العملات ومسار الصرف ومحافظ العملات والمكافآت ورسوم التغطية.
- [Best Cards for International Purchases in Saudi Arabia — August 2026](https://amwalguide.com/blog/?lang=en&article=best-credit-cards-international-purchases-saudi-arabia): English version of the same evidence-based guide.
- [أفضل بطاقات المطاعم في السعودية — أغسطس 2026](https://amwalguide.com/blog/?article=best-credit-cards-restaurants-saudi-arabia): قارن بطاقات المطاعم في السعودية حسب معدل الاسترداد وحد المطاعم والرسوم ورمز التاجر وشرط الإنفاق.
- [Best Credit Cards for Restaurants in Saudi Arabia — August 2026](https://amwalguide.com/blog/?lang=en&article=best-credit-cards-restaurants-saudi-arabia): English version of the same evidence-based guide.
- [أفضل بطاقات السوبرماركت في السعودية — أغسطس 2026](https://amwalguide.com/blog/?article=best-credit-cards-supermarkets-saudi-arabia): قارن بطاقات السوبرماركت في السعودية حسب معدل الاسترداد وحد البقالة والرسوم ورمز التاجر وشرط الإنفاق.
- [Best Credit Cards for Supermarkets in Saudi Arabia — August 2026](https://amwalguide.com/blog/?lang=en&article=best-credit-cards-supermarkets-saudi-arabia): English version of the same evidence-based guide.

## Optional

- [Service health](https://amwalguide.com/api/health): Machine-readable availability check.