Looking for a credit card in Saudi Arabia without salary transfer requirements? Tasheel offers Shariah-compliant credit cards for both Saudis and expatriates, with cashback rewards, airport lounge access, flexible repayments, and instant approval for eligible applicants.
This guide explains Tasheel’s World Credit Card and Titanium Credit Card, including eligibility requirements, credit limits, cashback rates, activation process, and important charges.
What are Tasheel Credit Cards?
Tasheel Credit Cards are Shariah-compliant credit cards designed for customers who want flexible spending and repayment options without requiring a salary transfer or even a bank account.
Key Features
- Available for Saudis and expatriates
- Shariah-compliant
- No salary transfer required
- No bank account required
- Instant approval (subject to eligibility)
- Paperless application
- Tap & Pay with Apple Pay and Mada Pay
- Minimum monthly payment of 5%
Tasheel Credit Card Eligibility
General eligibility requirements include:
| Requirement | Details |
|---|---|
| Age | 21 years or above |
| Employment | Minimum 3 months (employed) or retired |
| Minimum Salary | SAR 4,000 |
Credit Limit
Tasheel offers:
- Minimum credit limit: SAR 2,500
- Maximum credit limit: SAR 100,000
The approved limit depends on the applicant’s eligibility and credit assessment.
Tasheel World Credit Card
The World Credit Card is designed for customers seeking higher cashback rewards and premium travel benefits.
Main Features
- Cashback up to 2.25%
- Free for life (subject to annual spending conditions)
- Unlimited access to more than 1,000 airport lounges worldwide
- Apple Pay and Mada Pay support
- Flexible repayment options
- Instant approval
- Paperless application
- Earn cashback on eligible spending
Eligibility
| Requirement | Details |
|---|---|
| Age | 21 years or above |
| Nationality | Saudis and Expats |
| Salary | SAR 10,000 or above |
| Employment | Minimum 3 months |
World Card Cashback
| Spending Category | Cashback | Maximum Cashback |
|---|---|---|
| First transaction within first 30 days | 10% | SAR 100 |
| Retail purchases | 1.50% | SAR 10 |
| International transactions | 2.25% | SAR 15 |
| E-commerce | 2.25% | SAR 15 |
| Grocery stores & supermarkets | 1.50% | SAR 15 |
| Extra category | 2.25% | SAR 30 |
Note: Cash withdrawals and digital wallet top-ups are excluded. Cashback on government fees or gas station payments is 0.4%.
Tasheel Titanium Credit Card
The Titanium Card is aimed at customers looking for lower eligibility requirements while still enjoying travel and cashback benefits.
Main Features
- Cashback up to 1.5%
- Free for life (subject to annual spending conditions)
- No fees on cash withdrawals
- Complimentary access to more than 100 airport lounges
- Apple Pay and Mada Pay support
- Flexible repayments
- Instant approval
- Paperless application
Eligibility
| Requirement | Details |
|---|---|
| Age | 21 years or above |
| Nationality | Saudis and Expats |
| Salary | SAR 4,000 or above |
| Employment | Minimum 3 months |
Titanium Cashback
| Spending Category | Cashback | Maximum Cashback |
|---|---|---|
| First transaction within first 30 days | 10% | SAR 50 |
| Retail purchases | 1.00% | SAR 5 |
| International transactions | 1.50% | SAR 10 |
| E-commerce | 1.00% | SAR 10 |
| Grocery stores & supermarkets | 1.50% | SAR 10 |
| Extra category | 1.50% | SAR 20 |
Tasheel Credit Card Fees and Profit Rates
Tasheel applies a monthly Tawarruq profit rate based on the type of card.
| Card | Monthly Tawarruq |
|---|---|
| World Card | 2.49% |
| Titanium Card | 2.99% |
The Annual Percentage Rate (APR) varies depending on your approved credit limit and the amount used. Tasheel provides several repayment examples showing that the APR increases when a larger portion of the credit limit is utilized and only the minimum payment is made each month.
Minimum monthly payment: 5% of the outstanding balance.
How to Activate Your Tasheel Credit Card
You can activate your card using any of these methods:
- Log in to your Tasheel account on the website
- Use the Tasheel mobile app
- Call customer service at 8003044434
World Card vs Titanium Card
| Feature | World Card | Titanium Card |
|---|---|---|
| Minimum Salary | SAR 10,000 | SAR 4,000 |
| Maximum Cashback | 2.25% | 1.50% |
| Airport Lounge Access | 1,000+ lounges | 100+ lounges |
| International Cashback | 2.25% | 1.50% |
| Cash Withdrawal Fee | Standard charges apply | No cash withdrawal fee |
| Minimum Monthly Payment | 5% | 5% |
Current Tasheel Credit Card Offers
Tasheel frequently partners with merchants to provide additional savings for credit card holders. These promotions are usually available for a limited time and may be subject to terms and conditions.
Save 5% at Golden Technology
Customers can enjoy an instant 5% discount at Golden Technology stores by paying with a Tasheel Credit Card and using the promotional code T26.
Up to 5% Cashback with Easy Payment Plan
Cardholders who convert eligible purchases into an Easy Payment Plan can earn cashback depending on the repayment period.
| Installment Period | Cashback |
|---|---|
| 6–12 months | 1% |
| 18–24 months | 3% |
| 36 months | 5% |
Terms and minimum transaction requirements may apply.
12% Discount on Hotel Bookings
Tasheel cardholders can receive 12% off hotel bookings through the partner platform using the promotional code Tasheel12.
Amazon.sa Gift Card Promotion
Eligible customers who spend SAR 3,000 internationally using a Tasheel Credit Card can receive an Amazon.sa Gift Card worth SAR 300, subject to the campaign terms and qualifying conditions.
Note: Promotional offers are subject to change or expiry. Customers should check the latest offers and terms on Tasheel’s official website before making purchases.
FAQs
Can expatriates apply for Tasheel credit cards?
Yes. Both Saudis and expatriates are eligible, provided they meet the card requirements.
Is salary transfer required?
No. Salary transfer is not required.
Do I need a bank account?
No. Tasheel can issue a credit card without a bank account.
What is the minimum salary?
- Titanium Card: SAR 4,000
- World Card: SAR 10,000
What is the minimum credit limit?
SAR 2,500.
What is the maximum credit limit?
SAR 100,000.
Are the cards Shariah compliant?
Yes. Tasheel states that its credit cards are approved by its Shariah Board.
Final Thoughts
Tasheel offers two credit card options that cater to different income levels while making them accessible to both Saudi nationals and expatriates. The Titanium Card is suitable for applicants earning from SAR 4,000, while the World Cardtargets higher-income people with enhanced cashback and premium travel benefits, including access to more than 1,000 airport lounges worldwide.