How to Apply for a Credit Card in Saudi Arabia: A Step-By-Step Guide

By Mohammed Ameen

Updated on:

how to apply credit card in saudi arabia

Applying for a Credit Card in Saudi Arabia

Getting a credit card in Saudi Arabia is not as complex as it might seem. If you are an expatriate resident in the kingdom, understanding the application process can help you gain access to this essential financial tool. This article provides a detailed, step-by-step guide to help you navigate through the prerequisites, document requirements, and application process for getting a credit card in Saudi Arabia. Read on to take your first step towards secure and flexible financial transactions.

Understanding the Basic Requirements

Each bank will have specific criteria for applicants. However, there are some standard requirements across all Saudi Arabian banks, which are:

  • A valid Iqama (Saudi Arabian residency permit).
  • Salary transfer to a Saudi Arabian bank account.
  • A minimum salary of SR 4,000 per month.
  • A good credit record: Ensure your credit record with SIMAH (Saudi Credit Bureau) is unblemished.
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Remember, these requirements are an average set and can vary slightly from bank to bank.

Gathering Necessary Documents

Once you’re confident that you meet the criteria, it’s time to gather the documents required for your application. These typically include:

  • Salary Certificate, attested by the Chamber of Commerce.
  • Bank statements from the last six months.
  • Copy of Iqama or Muqeem Card.
  • Copies of your Passport.

Applying for the Credit Card

You have two main avenues to submit your application – visiting a bank’s physical branch or applying online.

If you choose to go to a bank’s branch, bring along all your documents, fill in the application form, and submit it to the officer-in-charge. The officer may ask you some additional questions about your financial situation.

On the other hand, if you prefer the online route, you can go to your chosen bank’s website, fill in the online application form, and upload the required documents.

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The Review Process

After submitting your application, it’s time to wait. The bank will review your application, a process that could take a few weeks. Typically, banks provide a credit limit of 150 to 200 percent of your one-month salary.

You will receive an SMS notification once your credit card application in Saudi Arabia has been approved. Additionally, you’ll be given a courier tracking number to track the delivery of your credit card.

Activating Your Credit Card

Once your credit card has arrived, it’s time to activate it. You can do this by visiting an ATM or using Internet Banking. Make sure to follow the instructions provided by your bank.


Obtaining a credit card in Saudi Arabia can be a straightforward process if you meet the eligibility criteria and have all the required documents. Not only does it offer convenience, but it also provides various perks and advantages.

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Before choosing a card, it is always advisable to look into the different credit card offerings from various banks and find the one that suits your needs best. For instance, SABB offers some great credit cards that might be worth looking into. Always ensure to handle your credit responsibly for a healthy financial future.

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