If you are looking for a credit card in Saudi Arabia that offers generous rewards on everyday expenses, the Al Rajhi Bank Platinum Cashback Plus Card is a top choice. With up to 10% cashback on dining, groceries, online shopping, and more, plus travel perks such as airport lounge access and flexible payment options, this card delivers both value and convenience for your regular spending as well as lifestyle needs.
Card overview
The Platinum Cashback Plus Card is a revolving credit card that automatically credits cashback to your wallet once eligible transactions are processed. With no minimum spend requirement to earn cashback and instant redemption through the Al Rajhi Bank app, it offers convenience alongside generous rewards.
Cashback structure and earnings
Cashback rates by category
Based on the card’s reward structure, here’s how you can earn cashback:
- Dining: Up to 10% cashback (maximum SAR 200 monthly)
- Supermarkets: 6% cashback (maximum SAR 200 monthly)
- Online shopping: 2% cashback (maximum SAR 50 monthly)
- Other local spend: 1.5% cashback (maximum SAR 200 monthly)
- Other International spend: 0.5% cashback (maximum SAR 200 monthly)
Cashback limits and caps
- Total monthly cashback cap: SAR 500
- Annual cashback cap: SAR 6,000
- Minimum redemption amount: SAR 50
- Cashback validity: 24 months from earning date
- No minimum spend required to start earning cashback
Annual fees and charges
Card fees
- Platinum Cashback Plus: SAR 250 annually
- Supplementary cards: Free for first 2 cards, SAR 50 for additional cards
Other charges
- Profit Rate (Monthly): 2.2%
- Foreign transaction fee: 2% of transaction amount
- Cash withdrawal fee: 3% or a maximum of SAR 75
- Minimum payment: 5% of statement balance or SAR 100 (whichever is higher)
- Late payment fee: 2.2% monthly profit rate
- ATM inquiry fee: SAR 1.5
Key benefits and features
Airport and travel benefits
- Access to 25+ global airport lounges through Visa Airport Companion app
- Exclusive airport dining offers at 200+ restaurants globally
- Up to 25% discount at Jumeirah Hotels
- Avis car rental discounts (up to 20% off standard rates)
- Budget car rental offers (10% discount worldwide)
Shopping and lifestyle benefits
- Purchase protection for lost, stolen, or damaged goods
- Extended warranty on eligible purchases
- 0% Tasaheel installment program with partner merchants
- Instant discounts across travel, dining, and wellness categories
- Visa Checkout for secure online payments
Family benefits
- Free additional cards for immediate family members
- Control credit limits on supplementary cards
- Direct notifications to additional cardholders
- Same benefits as primary cardholder
Eligibility requirements
To qualify for this card, you must:
- Valid Iqama / National ID
- Existing bank account with Al Rajhi bank
- Meet the bank’s credit assessment criteria
Application process
You can apply for the Platinum Cashback Plus Card through:
- Al Rajhi Bank mobile app
- Phone: Call 8001241222
- Branch visit: Any Al Rajhi Bank branch
How cashback works
Earning cashback
- Cashback is automatically credited to your cashback wallet
- Eligible transactions must be posted and settled by merchants
- All purchases in eligible categories qualify (except SADAD payments)
- Check your cashback balance through the Al Rajhi Bank app
Redeeming cashback
- Instant redemption through the mobile app
- Cashback credited directly to your credit card account
- Minimum redemption amount: SAR 50
- No complex redemption process or restrictions
Pros and cons
Advantages
- High cashback rates on popular spending categories
- No minimum spend requirement
- Instant cashback redemption
- Global airport lounge access
- Comprehensive travel and shopping benefits
- Free supplementary cards for family
Limitations
- Monthly caps on each cashback category
- No cashback on SADAD bill payments
- Foreign transaction fees apply
- Cashback expires after 24 months
- Requires existing Al Rajhi Bank account
Who should consider this card
The Platinum Cashback Plus Card is ideal for:
- Frequent diners who can maximize the 10% dining cashback
- Regular grocery shoppers benefiting from 6% supermarket rewards
- Families wanting to share benefits through free additional cards
- Travelers who value airport lounge access and travel discounts
Bottom line
The Al Rajhi Bank Platinum Cashback Plus Card is well-suited for customers who spend often on dining, groceries, and local purchases, and want extra benefits such as airport lounge access. If you focus your spending in the high cashback categories and redeem your rewards regularly, this card can easily cover its annual fee and provide ongoing value.
However, frequent international travelers should note the 2% foreign transaction fee, which may reduce the value of cashback on overseas purchases. For regular travel abroad, it may be helpful to use this card alongside a credit card with no foreign transaction fees.
Overall, if you already have an account with Al Rajhi Bank and are seeking a straightforward cashback credit card with added lifestyle perks, the Platinum Cashback Plus Card is a strong option to consider.