Last updated: 10 October 2026
The SAB noon Visa credit card is a Shariah-compliant Visa Platinum card launched by SAB and noon on 20 August 2026 (SAB). It pays 10% cashback on noon platforms, up to SAR 1,000 a month, as noon credits, for an annual fee of SAR 199 plus VAT. Below are the cashback rules, fees and eligibility from SAB’s own card page and terms (terms and fees PDF).
Cashback Rates
| Where you spend | Cashback |
|---|---|
| noon platforms: noon, Supermall, Food, noon Minutes, Namshi and Yammak home services | 10%, up to SAR 1,000 a month |
| International purchases | 2%, no cap stated |
| Domestic and EEA purchases | 1% |
| Domestic purchases in listed categories (for example education, government fees, insurance, rent, taxis, quick-service restaurants, supermarkets) | 75% less, so about 0.25% |
All cashback is credited as noon credits to your noon wallet, on the 2nd of the following month. Supplementary card cashback goes to the main cardholder.
Follow Saudi Life Guide for Iqama, visa and job updates
New rules, fees and news as soon as we publish them. Join 60,000+ followers on Facebook.
Transactions That Earn No Cashback
- Easy Payment Plans and AQSAT instalments
- Cash withdrawals and balance transfers
- Utility bills and SADAD payments
- Payments to digital wallets such as STC Pay and URPay
- Fuel and service stations
- Bank and financial fees, and merchant refunds
Welcome Offer and noon Benefits
- SAR 250 in noon credits after your first successful transaction. The credits expire 6 months after they are added.
- 2 years of free noon One, which must be activated within 12 months of activating the card.
- 0% instalments over 3, 6 or 12 months on noon and Supermall for purchases above SAR 500 (these purchases earn no cashback).
- Airport lounge access: 2 visits a year through the Visa Airport Companion app, if you spent at least SAR 375 internationally in the previous 90 days.
Fees and Charges
| Item | SAB noon card |
|---|---|
| Issuance fee | Free |
| Annual fee | SAR 199 plus VAT |
| Supplementary card | Free |
| Monthly profit rate | 3.75% |
| APR | 62.76% (on SAR 10,000 used, including VAT) |
| International transaction fee | 2% plus VAT, also on SAR payments to foreign merchants |
| Cash withdrawal | 3%, capped at SAR 75, plus VAT |
| Late payment | SAR 50 plus VAT |
| Minimum payment | 5% of the balance or SAR 100, whichever is higher |
| Grace period | 25 days after the statement |
The card is Shariah-compliant: an unpaid balance is financed through Tawarruq and charged a profit rate. Paying the full statement balance by the due date means no profit is charged. No annual fee waiver is published.
Who Can Apply, Including Expats
You can apply online without opening a SAB account or transferring your salary. For applicants without a SAB account, SAB asks that you:
- are registered with GOSI
- have worked at least 3 months in your current job
- have a mobile number registered to your own national ID or iqama
- can verify with Nafath
- have no existing relationship with SAB
SAB does not publish a minimum salary for this card. The Saudi Central Bank’s general rule for new credit cards is a minimum gross income of SAR 24,000 a year for existing bank customers and SAR 30,000 for others.
Is the SAB noon Card Worth It?
- It suits people who spend regularly on noon, Namshi or noon Food and pay their balance in full each month.
- At the full 10% rate, monthly noon spending of about SAR 200 earns back the annual fee within a year.
- Because rewards are noon credits, they are only useful if you shop on noon platforms.
- Carrying a balance at a 62.76% APR quickly outweighs any cashback.
Comparing banks for salary and transfers? See our guide to the best bank in Saudi Arabia for expats.
Frequently Asked Questions
What is the annual fee of the SAB noon credit card?
SAR 199 plus VAT per year, charged from issuance after activation and then on each anniversary. There is no issuance fee and the supplementary card is free.
How much cashback does the SAB noon card give?
10% on noon platforms up to SAR 1,000 a month, 2% on international purchases and 1% on domestic and EEA purchases, all paid as noon credits. Some domestic categories earn 75% less, and some transactions earn nothing.
Do instalment purchases earn cashback?
No. SAB lists Easy Payment Plans and AQSAT instalments among the transactions that earn no cashback, even though 0% instalments are offered on noon for purchases above SAR 500.
Can expats apply for the SAB noon card?
Yes. You can apply online without a SAB account if you are registered with GOSI, have at least 3 months in your current job, use Nafath, and your mobile number is registered to your own iqama.
What is the APR of the SAB noon card?
SAB states a monthly profit rate of 3.75% and an APR of 62.76%, calculated on SAR 10,000 of the limit used, including VAT. Paying the full balance by the due date avoids profit charges.
Sources: SAB noon Visa credit card page, SAB credit card terms and fees (version of 2 July 2026), SAB press release of 20 August 2026, noon help centre, SAMA Credit Card Regulations. Offers and fees can change; check SAB before you apply. This is general information, not financial advice.