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Global Multi-Currency Credit Card
Saudi National Bank·Mastercard World Elite
Verified: 2026-04-04
Annual Fee
SAR 173
Rewards Rate
1.00%
APR
38.26%
Income (Y1)
SAR 427
Lounges
Yes
Network
Mastercard
Monthly spend:
Fees
| Annual Fee | SAR 173 inc. VAT Free for Wessam_platinum & Elite & Private Banking customers |
| Supplementary Card Fee | First 3 free, then 50% of annual fee |
| FX Fee | 0% |
| Cash Advance Fee | 3% (max SAR 86) inc. VAT |
| Late Payment Fee | SAR 57 inc. VAT |
| Replacement Fee | SAR 0 |
| Monthly Profit Rate | 2.95% |
| APR | 38.26% |
| Grace Period | 25 days |
| Minimum Repayment | 5% (min SAR 100) |
Rewards & Benefits
Lounge Access
Program
Mastercard Travel Pass (1,200+ lounges)
Visits / Year
Unlimited
Guests
1 guest free
To maintain lounge access, make at least one international transaction every 3 months.
Reward Rates
| Category | Points per 1 SAR | Points per 100 SAR | Value per 100 SAR | Cap |
|---|---|---|---|---|
| Domestic | 1 | 100.0 | SAR 1.00 | - |
| International | 0.33 | 33.0 | SAR 0.33 | - |
* Estimated point value in LAK Points program: SAR 0.01 (e-voucher) / SAR 0.008 (cash)
Other Benefits
- 0% FX markup - First in KSA
- Multi-currency wallets (7 currencies)
- Lock exchange rates in advance
- Auto top-up from SAR wallet
- Purchase protection
- Apple Pay, Samsung Pay, Mada Pay
Annual Income
Annual Income Calculation
| Annual fee(inc. VAT) | - SAR 173 |
| Rewards for spending | + SAR 600 |
| Income (First Year) | + SAR 427 |
| Annual fee(inc. VAT) | - SAR 173 |
| Rewards for spending | + SAR 600 |
| Income (Second Year) | + SAR 427 |
Income = rewards − fee + welcome bonus. Values based on SAR 5,000/month.
This card has tiered annual fees. Calculation uses the highest fee tier.
Redemption
LAK Rewards Program Redemption
Redemption Value
| Redemption Method | Value per 1,000 points |
|---|---|
| E-vouchers / Rewards marketplace | SAR 10 |
| Cash / Account credit | SAR 8 |
Redemption Partners
AlFursanNeqatyQitafShukranJarirHiltonMobilyCarrefour
Requirements
Application Requirements
| ID | Valid National ID or Iqama |
| Bank statement | In some cases |
| Salary certificate | From employer |
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