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Al Rajhi Bank review

Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Al Rajhi Bank pairs a credit card with a fee-free debit account and a points reward that pays more on international spend, which suits readers in Saudi Arabia who travel. The monthly fee on the debit account is SAR 0.

Key facts

Best for
Readers in Saudi Arabia who want everyday banking with no monthly fee and points that build fastest abroad.
Currency conversion fee
2% (Source, checked September 26, 2026)
Rewards type
Points (Source, checked September 26, 2026)
Rewards rate
Earn 1 point per 1 domestic spend and 4 points on international spend (Source, checked September 26, 2026)
Perks
Access to 25 global airport lounges (Source, checked September 26, 2026)
Card kind
Credit (Source, checked September 26, 2026)
Founded
1957 (Source, checked September 26, 2026)
Support channels
Phone, Email (Source, checked September 26, 2026)
Features
Rewards
Official website
alrajhibank.com.sa

Debit cards

Monthly fee
SAR 0 (Source, checked September 26, 2026)
Currency conversion fee
2% (Source, checked September 26, 2026)
Card type
Debit (Source, checked September 26, 2026)
Card network
Local (Source, checked September 26, 2026)
Founded
1957 (Source, checked September 26, 2026)
Support channels
Phone, Email (Source, checked September 26, 2026)
Features
Rewards

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataWikipediaX

Pros and cons

Pros

  • The debit account carries a monthly fee of SAR 0, so day to day spending costs nothing to hold
  • Points are the reward type on the credit card, and the free text earn rate is higher on international spend than on domestic spend
  • The credit card includes Access to 25 global airport lounges
  • Support runs on phone and email, so help is available by phone and email

Cons

  • Currency conversion costs 2% on the debit side, which is above the site median of 1%
  • The network on file is local, so acceptance outside Saudi Arabia depends on local scheme support rather than a wide international network
  • Support runs on phone and email only, with no in app help centre listed
Al Rajhi Bank

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Scored 9.0 / 10 by DebitCue.

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Who it suits

  • Readers based in Saudi Arabia who want a debit account with no monthly fee
  • Travellers who want points weighted towards international spend
  • Credit card users who value lounge access over a wider acceptance network

Who should look elsewhere

  • Readers who want a wide international card network, since the network is local
  • Readers who pay much in foreign currency, because conversion costs 2%
  • Anyone looking for cashback rather than points, where Varo Believe Secured Credit Card and Chime Card pay cashback and cashback

The company behind it

Al Rajhi Bank has been trading since 1957, which places it among the longer established banks readers will come across. Its credit card is built on credit lending, and the account it runs alongside is a debit account. Support is handled through phone and email, so help is available by phone and email. The card carries Access to 25 global airport lounges, and the reward runs on points.

How Al Rajhi Bank compares

Where Al Rajhi Bank is available

Available
Saudi Arabia

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

Is there a monthly fee on the account?+

The monthly fee is SAR 0, so holding and using the account for everyday spending costs nothing each month. The fee schedule also lists a currency conversion fee of 2%, which is the figure to watch if you pay in other currencies.

What do I earn on the credit card?+

The reward runs on points rather than cashback. The published earn rate gives one point for each unit of domestic spend and more points on international spend, so the rate is higher on spend made abroad.

Which network does the card use?+

The network on file is local, a local scheme. That works well for purchases in Saudi Arabia, but readers who rely on the card while travelling will want to check acceptance in the countries they visit.

What does the card cost to use abroad?+

Currency conversion costs 2%, which sits above the site median of 1%. On the credit side, the card is a credit arrangement, so rewards and lounge access come with the usual borrowing considerations.

Is there any extra benefit on the credit card?+

The card includes Access to 25 global airport lounges, and the feature set lists rewards. That makes it worth weighing against cards that charge an annual fee, since the extras here come on a credit card.

How do I get help if something goes wrong?+

Support runs on phone and email, so you can reach the bank by phone or by email. The account side is a debit account, and questions about fees can be taken to the same channels.

Is this a credit card or a debit account?+

Both appear in the range. The card is a credit product built around rewards, while the account you hold for day to day banking is a debit account with a monthly fee of SAR 0.

Would a cashback card work better for me?+

It depends on how you spend. Points suit readers who use the card on international spend, where the earn rate is higher, while cashback suits readers who want a percentage back on everything. Varo Believe Secured Credit Card and Chime Card both pay cashback.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Annual fee, APR.

Al Rajhi Bank

Al Rajhi Bank

Readers in Saudi Arabia who want everyday banking with no monthly fee and points that build fastest abroad.

9.0/10See alternatives