Looking for a flexible and secure way to spend, save, and earn rewards in Saudi Arabia? STC Bank offers a range of physical and digital prepaid cards to suit every need—whether you’re a casual spender or a frequent traveler. In this guide, we break down the features, fees, and perks of all STC Bank cards so you can choose the one that fits you best.
Types of STC Bank Cards
STC Bank provides four main types of cards, all available in both physical and digital formats:
| Card Type | Cashback | Annual Fee | Monthly Fee | Best For |
|---|---|---|---|---|
| Classic | 0.5% | Free | None | Everyday use |
| Platinum | 0.7% | SAR 200 | SAR 20 | Extra perks and savings |
| Signature | 1% | SAR 500 | SAR 50 | Frequent travelers and premium users |
| Mada | None | Free | None | Local payments and ATM use |
Key Benefits
All STC Bank cards come with core features such as digital wallet compatibility (Apple Pay, Mada Pay) and full in-app control via the STC Bank app. Depending on the tier, you can unlock additional benefits:
| Benefit | Classic | Platinum | Signature | Mada |
|---|---|---|---|---|
| Global ATM network | ✔ | ✔ | ✔ | ✔ |
| Free local ATM withdrawals | ✖ | ✖ | ✖ | ✔ |
| Multi-trip travel insurance | ✖ | ✔ | ✔ | ✖ |
| Lounge access | ✖ | ✔ | ✔ | ✖ |
| 2-for-1 deals via Entertainer | ✖ | ✔ | ✔ | ✖ |
| Hotel booking discounts | ✖ | ✔ | ✔ | ✖ |
| 24-hour Concierge Service | ✖ | ✖ | ✔ | ✖ |
| Purchase protection | ✖ | ✔ | ✔ | ✖ |
| DragonPass Dine & Fly program | ✖ | ✖ | ✔ | ✖ |
Fees Breakdown (Before VAT)
| Fee Type | Classic | Platinum | Signature | Mada |
|---|---|---|---|---|
| Cash Withdrawal | 25 SAR | 25 SAR | 25 SAR | Free |
| International Transactions | 2% | 2% | 2% | 2.5% |
| Card Replacement | 50 SAR | 50 SAR | 500 SAR | 50 SAR |
| Balance Inquiry Fee | 3.5 SAR | 3.5 SAR | 3.5 SAR | Free |
How to Get an STC Bank Card
- Download the STC Bank App (iOS/Android).
- Complete identity verification and registration.
- Choose your card type (digital or physical).
- Start using your card for online and offline payments, with real-time control via the app.
Final Thoughts
STC Bank cards are an excellent choice for residents and expats in Saudi Arabia looking for:
- Simple, prepaid Visa card access
- Flexible digital control
- Cashback on every purchase
- Added travel and lifestyle perks for premium tiers
Whether you want a no-fee starter card or a feature-packed travel companion, STC Bank has a card that meets your needs.