1. SNB Global Multi-Currency Credit Card (World Elite Flex)
A perfect choice for expats with international spending needs, this credit card supports multiple currencies with 0% forex markup.
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Key Features:
- Default currencies: SAR, USD, GBP, AED, EUR (free)
- Add-on currencies: INR, QAR, SGD, KWD & more (SAR 25 per currency)
- Annual Fee: SAR 275
- APR: 39.07%
- Cash Advance Limit: 30%
- Airport Lounge Access
- 0% foreign transaction fee
Rewards:
Lak Points Program
- 1 point per SAR 1 on all local and international spending
Best For:
Expats who travel frequently or shop online in different currencies.
2. Alinma Infinite Credit Card
A feature-rich card currently available with no annual fee (until August 31, 2025), the Alinma Infinite card offers strong rewards and installment flexibility.
Key Features:
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- Annual Fee: Free for life (limited offer)
- International Transaction Fee: 2%
- APR: 34%
- Cash Advance Fee: 3% (max SAR 75)
- 0% profit margin on installment purchases
- Airport Lounge Access
- Transfer 30% of balance to bank account or digital wallet
Purchase Protection & Extended Warranty:
- Double warranty up to 24 months
- Theft and damage protection on eligible purchases
Rewards:
Akthr Points Program
- 6 points per SAR 1 local
- 7 points per SAR 1 international
Best For:
Expats looking for flexible installments and enhanced protection benefits.
3. Al Rajhi Infinite Credit Card
From one of the largest Islamic banks in the region, this premium card is now free for life until September 31, 2025.
Key Features:
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- Annual Fee: SAR 990 (waived under current offer)
- APR: 26.4%
- Cash Withdrawal Limit: 30% of credit limit (local & international)
- Airport Lounge Access
- Extended Purchase Warranty
Rewards:
Mokafaa Loyalty Program
- Earn 150,000 bonus points (equalent to SAR 600) after spending SAR 25,000 in the first 90 days
Best For:
Best for expats who spend more and want exclusive rewards and benefits.
4. FAB KSA World Mastercard
This credit card by First Abu Dhabi Bank (KSA branch) is great for cashback lovers and those with family grocery needs.
Key Features:
- Annual Fee: Free 1st year, waived in 2nd year with:
- SAR 25,000 spend (Platinum)
- SAR 45,000 spend (World)
- APR: Variable
- Cashback:
- 3% international spends
- 2% supermarkets/groceries
- 1% other retail
- No cashback expiry
- No minimum spend to earn cashback
Best For:
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Expats who want cashback on everyday and travel expenses.
5. American Express Platinum Card (KSA)
A globally recognized card that brings premium lifestyle benefits to expats who travel and spend internationally.
Key Features:
- Annual Fee: SAR 1,035
- Foreign Transaction Fee: 2.75%
- Cash Advance Fee: SAR 75
- APR: 41.50%
- Lounge Access: Priority Pass (1,300+ lounges)
- Travel Insurance: Included
Installments:
“Plan It” lets you convert purchases into equal monthly installments.
Rewards:
- 1 Membership Rewards point per USD 1 spent
- Points never expire and can be redeemed for travel, gift cards, etc.
Best For:
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Frequent flyers and expats who value premium services and global acceptance.
Choosing the best credit card as an expat in Saudi Arabia depends on your spending habits. If you shop internationally or travel often, the Global Multi-Currency Card or Amex Platinum offer great value. For local cashback and zero-fee options, Alinma and FAB KSA cards are solid choices.
Before applying, make sure to review each bank’s eligibility criteria and terms, and compare APRs and fees carefully.
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