The SAB noon Visa Credit Card is designed mainly for shoppers who frequently use noon and its related platforms in Saudi Arabia. Its biggest attraction is up to 10% cashback on eligible noon purchases, along with welcome credits, installment options and selected travel benefits.
However, the 10% headline rate does not apply to every purchase. Cashback limits, reduced earning rates and card fees can significantly affect the actual value you receive.
Below is a closer look at how the SAB noon Visa Credit Card works, including its cashback rates, fees, welcome offer and other important conditions.
SAB noon Visa Credit Card Cashback Rates
Cardholders can earn 10% cashback on eligible purchases made across selected noon platforms, including:
- noon
- noon Food
- noon Minutes
- Sivvi
- Namshi
The maximum reward available through these eligible purchases is SAR 1,000 per month.
Another important detail is how the reward is paid. Instead of receiving cash directly in your bank or credit card account, the cashback is provided in the form of noon credits that can be used within the noon ecosystem.
Eligible Yammak home-service transactions can also provide a combined 10% reward. This consists of 9% in Yammak credits and 1% in noon credits.
Cashback on International and Local Spending
The SAB noon Visa Credit Card is not limited to noon purchases.
Eligible international transactions can earn 2% cashback, while qualifying domestic and EEA transactions generally have a standard cashback rate of 1%.
However, several everyday spending categories receive a substantially reduced reward rate. For these categories, the standard domestic cashback is reduced by 75%, which means the effective earning rate can be approximately 0.25%.
Reduced cashback categories may include spending such as:
- Supermarkets
- Restaurants and fast food
- Taxi services
- Education
- Insurance
- Rent and real estate
- Clothing
- Cosmetics
- Car rentals
There are also transactions that may not qualify for cashback at all. Examples include certain cash withdrawals, SADAD utility payments, digital wallet transactions, and fuel or service station purchases.
As a result, the card generally provides its strongest rewards when used for qualifying purchases within noon’s supported platforms rather than as an everyday cashback card.
SAR 250 Welcome Bonus for New Cardholders
New customers may qualify for SAR 250 in noon credits after completing their first successful transaction using the card.
These promotional credits are not permanent. They expire six months after being credited, so cardholders should make sure they use them before the expiry date.
Another benefit is a complimentary noon One membership for two years. The membership can provide perks such as free delivery on qualifying noon services, subject to the applicable membership conditions.
0% Installment Plan for noon Purchases
Customers making larger purchases through noon.com may also be able to convert eligible transactions into 0% installment plans.
Available repayment periods include:
| Installment Option | Profit/Interest Rate | Minimum Eligible Order |
|---|---|---|
| 3 months | 0% | SAR 500 |
| 6 months | 0% | SAR 500 |
| 12 months | 0% | SAR 500 |
According to the applicable noon conditions, an eligible purchase generally needs to be worth at least SAR 500 to use the installment facility.
Qualifying installment purchases may continue to earn the card’s 10% noon cashback, provided the transaction meets the relevant cashback conditions and remains within the monthly reward cap.
SAB noon Visa Credit Card Fees
Understanding the costs is particularly important before deciding whether the rewards justify getting the card.
| Fee or Charge | Amount |
|---|---|
| Card issuance fee | No issuance fee |
| Annual fee | SAR 199 excluding VAT |
| International transaction fee | 2% excluding VAT |
| Monthly profit rate | 3.75% |
| APR | 62.76% |
The stated monthly profit rate and APR are especially important if you plan to carry an unpaid credit card balance.
Cashback benefits can quickly lose their value when significant financing charges are applied to outstanding balances. Paying the amount due according to the card’s applicable payment terms is therefore an important consideration when calculating the card’s real cost.
Rates and charges can also change, so applicants should verify the latest fee schedule directly with SAB before applying.
Airport Lounge Benefits
As a Visa Platinum credit card, the SAB noon card also includes selected travel-related privileges.
Eligible cardholders can receive two complimentary airport lounge visits per calendar year at participating lounges.
SAB’s stated eligibility conditions include making at least SAR 375 in international purchases during the previous 90 days. Lounge availability and access remain subject to the applicable Visa program requirements.
Additional Visa travel and assistance benefits may also be available depending on the current card terms.
Can You Apply Without a SAB Bank Account?
An existing SAB bank account is not required to apply for the SAB noon Visa Credit Card.
This makes the card accessible to eligible applicants who use another bank in Saudi Arabia for their salary or regular banking.
Not having a SAB account, however, does not guarantee approval. Applications remain subject to the bank’s eligibility criteria, credit assessment and approval process.
Applicants using the digital application process may also need to be physically located in Saudi Arabia when applying.
SAB noon Visa Credit Card: Key Benefits at a Glance
| Feature | SAB noon Visa Credit Card |
|---|---|
| noon cashback | Up to 10% |
| Monthly noon cashback cap | SAR 1,000 |
| International cashback | 2% on eligible purchases |
| Standard eligible domestic cashback | 1% |
| Reduced domestic categories | Around 0.25% |
| Welcome offer | SAR 250 noon credits |
| noon One membership | Complimentary for 2 years |
| noon installments | 3, 6 or 12 months at 0% on eligible purchases |
| Annual fee | SAR 199 + VAT |
| Airport lounge visits | Up to 2 complimentary visits per calendar year |
Who Is the SAB noon Visa Credit Card Best For?
The card makes the most sense for consumers who regularly shop on noon or use other qualifying platforms within its ecosystem.
Frequent noon customers can potentially benefit from the combination of 10% rewards, the SAR 250 welcome offer, complimentary noon One membership and eligible 0% installment plans.
For someone primarily looking for a general-purpose cashback credit card, however, the benefits may be less competitive. Several everyday Saudi spending categories can earn a much lower cashback rate, while certain transactions do not generate rewards.
It is also important to remember that the headline 10% cashback is issued as noon credits rather than cash. This makes the rewards considerably more useful for existing noon customers than for people who rarely shop through the platform.
Final Verdict
The SAB noon Visa Credit Card can offer strong value for frequent noon shoppers in Saudi Arabia, particularly when purchases qualify for the 10% reward rate.
The card becomes less compelling if most of your spending is on categories that receive reduced cashback or if you do not regularly use noon credits.
Before submitting an application, review the latest SAB noon Visa Credit Card fees, cashback terms, eligibility criteria, installment conditions and profit rates through official SAB and noon information. Card fees, promotional benefits and reward conditions may be updated over time.
