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anb Mastercard World
Arab National Bank·Mastercard World
Verified: 2026-04-04
Annual Fee
SAR 805
Rewards Rate
2.00%
APR
43.03%
Income (Y1)
SAR 395
Lounges
Yes
Network
Mastercard
Monthly spend:
Fees
| Annual Fee | SAR 805 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 | 2.65% |
| APR | 43.03% |
| Grace Period | 25 days |
| Minimum Repayment | 5% (min SAR 200) |
Rewards & Benefits
Lounge Access
Program
LoungeKey (1,000+ lounges)
Visits / Year
Unlimited
Guests
Not included
LoungeKey. Unlimited access to 1,000+ airport lounges worldwide.
Reward Rates
| Category | Points per 1 SAR | Points per 100 SAR | Value per 100 SAR | Cap |
|---|---|---|---|---|
| Domestic | 2 | 200.0 | SAR 2.00 | - |
| International | 2.5 | 250.0 | SAR 2.50 | - |
* Estimated point value in anb Rewards Points program: SAR 0.01 (e-voucher) / SAR 0.007 (cash)
Other Benefits
- 15% discount on YQ meet & greet service
- Up to 20% discount at Avis car rental
- 10% discount with Budget car rental worldwide
- Up to 30% discount at Priceless.com hotels
- 15% discount at IHG Hotels & Resorts
- 10% off on Rentalcars.com
- GHA DISCOVERY Gold membership upgrade
- Extended warranty
- Purchase protection
Annual Income
Annual Income Calculation
| Annual fee(inc. VAT) | - SAR 805 |
| Rewards for spending | + SAR 1,200 |
| Income (First Year) | + SAR 395 |
| Annual fee(inc. VAT) | - SAR 805 |
| Rewards for spending | + SAR 1,200 |
| Income (Second Year) | + SAR 395 |
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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