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Titanium Islamic Mastercard Credit Card
Riyad Bank·Mastercard Titanium
Verified: 2026-04-04
Annual Fee
SAR 334
Rewards Rate
1.00%
APR
36.45%
Income (Y1)
SAR 272
Lounges
Yes
Network
Mastercard
Monthly spend:
Fees
| Annual Fee | SAR 334 inc. VAT |
| Supplementary Card Fee | Free |
| 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 | 2.55% |
| APR | 36.45% |
| Grace Period | 25 days |
| Minimum Repayment | 5% (min SAR 100) |
Rewards & Benefits
Lounge Access
Program
Mastercard Travel Pass (25+ lounges)
Visits / Year
Unlimited
Guests
Not included
Mastercard Travel Pass. Visit count not confirmed for Titanium tier.
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 Hassad Points program: SAR 0.01
Other Benefits
- Basic Mastercard benefits
- Purchase protection
Welcome Bonus
Welcome Bonus Details
| Period | Bonus | Condition |
|---|---|---|
| Upon activation | 200 points | Activate card |
| Within 3 months | 400 points | Spend SAR 5,000 |
| Total | 600 points | ≈ SAR 6 |
* Estimated point value in Hassad Points program: SAR 0.01
Annual Income
Annual Income Calculation
| Annual fee(inc. VAT) | - SAR 334 |
| Rewards for spending | + SAR 600 |
| Welcome bonus | + SAR 6 |
| Income (First Year) | + SAR 272 |
| Annual fee(inc. VAT) | - SAR 334 |
| Rewards for spending | + SAR 600 |
| Income (Second Year) | + SAR 266 |
Income = rewards − fee + welcome bonus. Values based on SAR 5,000/month.
Redemption
Hassad Rewards Program Redemption
Redemption Value
| Redemption Method | Value per 1,000 points |
|---|---|
| E-vouchers / Rewards marketplace | SAR 10 |
Redemption Partners
Al-TamimiAmazonCarrefourExtra (eXtra)JarirLuluNoon | STC top-upMobily top-upLebara top-up | AlFursan miles (1000 pts = 1000 miles)Mobily Neqaty points
Requirements
Application Requirements
| ID | Valid National ID or Iqama |
| Bank statement | In some cases |
| Salary certificate | From employer |
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