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anb Mastercard Titanium
Arab National Bank·Mastercard Titanium
Verified: 2026-04-04
Annual Fee
SAR 230
Rewards Rate
1.00%
APR
33.41%
Income (Y1)
SAR 370
Lounges
Yes
Network
Mastercard
Monthly spend:
Fees
| Annual Fee | SAR 230 inc. VAT · Free when spending SAR 1,000+ in purchases within first 3 months. Offer continues annually.Free for Gold & Diamond & Private Banking customers |
| Supplementary Card Fee | First 5 free, then 50% of annual fee |
| FX Fee | 3% |
| Cash Advance Fee | 3% (max SAR 86) inc. VAT |
| Late Payment Fee | SAR 58 inc. VAT |
| Replacement Fee | SAR 17 inc. VAT |
| Monthly Profit Rate | 2.04% |
| APR | 33.41% |
| Grace Period | 25 days |
| Minimum Repayment | 5% (min SAR 200) |
Rewards & Benefits
Lounge Access
Program
Mastercard Travel Pass (1,000+ lounges)
Visits / Year
4 visits
Guests
Not included
Access to select Mastercard Travel Pass lounges.
Reward Rates
| Category | Points per 1 SAR | Points per 100 SAR | Value per 100 SAR | Cap |
|---|---|---|---|---|
| Domestic | 1 | 100.0 | SAR 1.00 | - |
| International | 1.5 | 150.0 | SAR 1.50 | - |
* Estimated point value in anb Rewards Points program: SAR 0.01 (e-voucher) / SAR 0.007 (cash)
Other Benefits
- 12% off Heathrow Express
- Up to 20% off on Trip.com
- Up to 30% discount at Priceless.com hotels
- 15% discount at IHG Hotels & Resorts
- 7% off next stay through Booking.com
- GHA DISCOVERY Titanium membership upgrade
- 10% off on Rentalcars.com
- 20% off + complimentary upgrade with Avis
- Up to 10% off at Budget Worldwide
- 50% off on Shahid VIP monthly plan
- Discounts on MyUs Premium shipping
- 50% off Go Gamers premium membership
- 30% off LingoKids + 2 months free for new users
- 10% discount on Geekay website
- 25% off ZEE5 annual subscription
- Convert transactions to installments with Easy Pay Program 0%
- Free supplementary cards for family members
Annual Income
Annual Income Calculation
| Annual fee(inc. VAT) | - SAR 230 |
| Rewards for spending | + SAR 600 |
| Income (First Year) | + SAR 370 |
| Annual fee(inc. VAT) | - SAR 230 |
| Rewards for spending | + SAR 600 |
| Income (Second Year) | + SAR 370 |
Income = rewards − fee + welcome bonus. Values based on SAR 5,000/month.
Redemption
anb Rewards Program Redemption
Redemption Value
| Redemption Method | Value per 1,000 points |
|---|---|
| E-vouchers / Rewards marketplace | SAR 10 |
| Cash / Account credit | SAR 7 |
Redemption Partners
AliExpressMagrabiAlFursan
Requirements
Application Requirements
| ID | Valid National ID or Iqama |
| Bank statement | In some cases |
| Salary certificate | From employer |
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