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World Islamic Mastercard Credit Card

World Islamic Mastercard Credit Card from Riyad Bank gives you a world full of an exceptional benefits to fit your needs in different areas.

  • No annual fees for Diamond Banking customers if they continue with the program’s membership
  • Unlimited Lounge access at airports worldwide
  • Free travel insurance
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World Mastercard Credit Card from Riyad Bank empowers you to pursue your dreams, wherever they take you. Enjoy a bundle of benefits designed to you and experience the unique perspective. In addition to a variety of merchants and a selection of travel benefits.



  • As a Diamond Banking customer you are exempted from the annual fees for the credit card, but if you lose your program membership you will be charged for the annual fees
  • As World Mastercard Credit cardholder, you have unlimited Lounge access at 850+ airports worldwide
  • Complimentary nights at more than 200 hundreds participant hotels in the middle east and Africa of Bonvoy Marriott
  • Discounts on airlines, car rentals & retail stores
  • Online shopping privileges & luxury spa discounts
  • Receive your credit card PIN securely and instantly through your Riyad Online account. To know how all you need to do is to follow the steps shown in the video.
  • Contactless Payment service for purchases below SAR 300
  • Emergency Services to meet your needs, such as emergency cash while travelling and credit card delivery inside & outside the Kingdom
  • As Mastercard World credit cardholder, you will automatically enroll to  "Hassad" rewards program where you can redeem your points through Riyad Mobile, and Riyad Online to unlock a world of possibilities.
  • Enjoy 500 complimentary Hassad points upon activating your Mastercard World credit card.

  • For more information, Visit Hassad T&C

  • Visit World MasterCard website for the latest World Mastercard credit card offers
  • For more information about World Mastercard Credit card, click here

For Credit Cards APR disclosure, click here
* The credit card is exclusive for Diamond Banking customers.


For Diamond segment customers only.

How to Apply

Visit any Riyad Bank branch with the following documents:

  • Copy of valid Saudi national ID for Saudi nationals
  • Copy of valid resident Identity card or Passport for non-Saudi nationals
  • Salary certificate mentioning employment start date for salaried individuals
Or Apply through Riyad OnlineRiyad Bank website or call 8001242020

Fees & Charges for Islamic Card

Annual Membership Fee
SAR 750
Free for Diamond Banking customers
Annual Percentage Rate
2.08% per month
28.02% per annum
Late Payment
SAR 100
Cash Withdrawal Fees
SAR 75 per transaction of amount up to SAR 5,000 and 3% or SAR 300, whichever is less, for transactions that exceed SAR 5,000
Additional fee on non-Saudi Riyal transactions /International Transaction
Annual Membership Fee (Supplementary Credit Card)
Replacement Card
SAR 50
Credit Shield (Optional)
0.49% of the total outstanding balance
Monthly Minimum Payment
5% of the total due or SAR 100, whichever is higher
Fee for issuing a Transaction doc.
SAR 50
VIP airports lounges access fee (Mastercard Travel Pass)
Unlimited, complimentary free access for the cardholder only to over 1000 , Marhaba, and CAC lounges in more than 450 cities in over 135 countries worldwide.

Frequently Asked Questions

Can I use the credit card immediately after receiving it?
Are there any fees on the credit card?
How can I view the transactions done with my card?
Would I be registered immediately for Riyad Online after receiving my credit card?
What if I lose my card?
Can I change my PIN?
How can I enroll in Hassad Rewards Program?
Are there any risks in using credit cards online?
Are there any installment plans to settle my credit cards purchases?
Can I increase my credit card limit?
Does the card allow me to access VIP lounges at international airports?
How does the Riyad Bank Contactless Credit Card work?
How is the Riyad Bank Contactless Credit Card more secure?
Where can the Riyad Bank Contactless Credit Card be used?
How will I know if a retailer accepts contactless payments?
How close to a PoS terminal reader do I have to be to ‘waive’ my card?
How will purchases appear in the monthly statement?
How will I know if the transaction is successful?
Is there a limit on the value of goods I can purchase with my contactless card?
Is there a transaction limit on my Riyad Bank Contactless Credit Card?
What if I wave the card twice at the terminal? Will I be charged twice?
What if I am passing by a contactless terminal and a contactless transaction takes place?
Can my Riyad Bank Contactless Credit Card details be intercepted during a payment?
Is contactless technology secure?
Can I ‘Tap’ or ‘Waive’ my contactless credit card to get cash out at an ATM?
What if my Riyad Bank Contactless Credit Card is lost or stolen?

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