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Dream Credit Card Mastercard World Elite
Riyad Bank·Mastercard World Elite
Verified: 2026-04-04
Annual Fee
SAR 1,495
Rewards Rate
1.90%
APR
48.89%
Income (Y1)
SAR 451
Lounges
Yes
Network
Mastercard
Monthly spend:
Fees
| Annual Fee | SAR 1,495 inc. VAT |
| Supplementary Card Fee | SAR 86 inc. VAT |
| FX Fee | 2% |
| Cash Advance Fee | 3% (max SAR 86) inc. VAT |
| Late Payment Fee | SAR 57 inc. VAT |
| Replacement Fee | SAR 17 inc. VAT |
| Monthly Profit Rate | 3.1% |
| APR | 48.89% |
| Grace Period | 25 days |
| Minimum Repayment | 5% (min SAR 100) |
Rewards & Benefits
Lounge Access
Program
Mastercard Travel Pass (1,300+ lounges)
Visits / Year
Unlimited
Guests
1 guest free
Reward Rates
Choose which partner loyalty program to earn miles and points with from 10 airlines and hotels. Points are credited directly to your partner account. You can change your preferred partner anytime (SAR 30 per change).
| Partner | SAR per 1 pt (dom / intl) | Pts per 100 SAR (dom / intl) | Value per 100 SAR (dom / intl) |
|---|---|---|---|
| Accor | 4.25/3.25 | 23.5/30.8 | SAR 1.90/2.48 |
| Qatar Airways | 3/2.25 | 33.3/44.4 | SAR 1.75/2.33 |
| Turkish Airlines | 3/2.25 | 33.3/44.4 | SAR 1.25/1.67 |
| AirAsia | 3/1.5 | 33.3/66.7 | SAR 1.25/2.50 |
| Etihad Guest | 3.75/3 | 26.7/33.3 | SAR 1.20/1.50 |
| Air Arabia | 3.5/2.75 | 28.6/36.4 | SAR 1.07/1.36 |
| Almosafer | 100/50 | 1.0/2.0 | SAR 1.00/2.00 |
| flynas | 3/1.75 | 33.3/57.1 | SAR 0.95/1.63 |
| Radisson Rewards | 1.25/1 | 80.0/100.0 | SAR 0.90/1.13 |
| Singapore Airlines | 8/4 | 12.5/25.0 | SAR 0.70/1.41 |
Other Benefits
- 10 airline and hotel loyalty programs to choose from
- 24/7 concierge service
- 6 months free Amazon Prime subscription
- Qasset 0% installment program
- Booking.com discounts
- IHG Hotels 15% discount
- Avis car rental 20% discount
- Trip cancellation and lost luggage coverage
Welcome Bonus
Welcome Bonus Details
| Partner | Bonus | Value in SAR | Condition |
|---|---|---|---|
| Accor | 10,000 points | ≈ SAR 806 | Spend SAR 10,000 |
| Qatar Airways | 15,000 miles | ≈ SAR 788 | Spend SAR 10,000 |
| Turkish Airlines | 15,000 miles | ≈ SAR 563 | Spend SAR 10,000 |
| AirAsia | 20,000 miles | ≈ SAR 750 | Spend SAR 10,000 |
| Etihad | 12,500 miles | ≈ SAR 563 | Spend SAR 10,000 |
| Air Arabia | 12,500 miles | ≈ SAR 469 | Spend SAR 10,000 |
| Almosafer | 1,000 points | ≈ SAR 1,000 | Spend SAR 10,000 |
| flynas | 25,000 miles | ≈ SAR 713 | Spend SAR 10,000 |
| Radisson Rewards | 50,000 points | ≈ SAR 563 | Spend SAR 10,000 |
| Singapore Airlines | 7,500 miles | ≈ SAR 422 | Spend SAR 10,000 |
| Point values are estimates based on industry research | |||
Annual Income
Annual Income Calculation
| Annual fee(inc. VAT) | - SAR 1,495 |
| Rewards for spending | + SAR 1,140 |
| Welcome bonus | + SAR 806 |
| Income (First Year) | + SAR 451 |
| Annual fee(inc. VAT) | - SAR 1,495 |
| Rewards for spending | + SAR 1,140 |
| Income (Second Year) | - SAR 355 |
Income = rewards − fee + welcome bonus. Values based on SAR 5,000/month.
Income is calculated based on the best domestic partner (Accor ALL). Actual income varies by selected partner.
Redemption
Redemption & Partners
Points or miles are credited directly to your selected partner's account. You can use your points or miles for bookings, upgrades, and rewards through the partner's website or app.
Partner switching fee: SAR 30
Requirements
Application Requirements
| ID | Valid National ID or Iqama |
| Bank statement | In some cases |
| Salary certificate | From employer |
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