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More Benefits with Every purchase

Enjoy exclusive rewards by earning points or miles with our trusted partners.
Every time you shop, you accumulate points or miles through unique experiences. Explore and start saving while you spend at your favorite stores.

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Our Partners

Etihad
National
Additional bonus 12,500 Miles

Domestic 1 Mile= S..R 3.75

International 1 Mile= S..R 3

Qatar Airways
National
Additional bonus 15,000 Miles

Domestic 1 Mile = S..R 3

International 1 Mile= S..R 2.25

Accor
National
Additional bonus 10,000 Points

Domestic 1 Point = S..R 4.25

International 1 Point = S..R 3.25

Flynas
National
Additional bonus 25,000 Miles

Domestic 1 Mile= S..R 3

International 1 Mile= S..R 1.75

Turkish Airlines
National
Additional bonus 15,000 Miles

Domestic 1 Mile= S..R 3

International 1 Mile= S..R 2.25

Air Asia
National
Additional bonus 20,000 Miles

Domestic 1 Mile= S..R 3

International 1 Mile= S..R 1.5

Air Arabia
National
Additional bonus 12,500 Miles

Domestic 1 Mile= S..R 3.5

International 1 Mile= S..R 2.75

Singapore Airlines
National
Additional bonus 7,500 Miles

Domestic 1 Mile= S..R 8

International 1 Mile= S..R 4

Radisson Rewards
National
Additional bonus 50,000 Points

Domestic 1 Point = S..R 1.25

International 1 Point = S..R 1

Almosafer
National
Additional bonus 1,000 Points

Domestic 1 Point = S..R 100

International 1 Point = S..R 50

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More Information

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Dare to Dream to the fullest with Dream Credit Card, the first of its kind and the best in the Kingdom!
The Dream Credit Card enables cardholders to engage with multiple partners directly—through a single card.
Key Features of the Dream Credit Card:
•    Flexibility to select or change the preferred partner with ease.
•    Direct and instant earning of miles or points to the chosen partner.
•    Ability to select two partners simultaneously (domestic and international) to earn miles or points.
•    Additional miles or points upon card usage (Spend S..R 10,000 within 60 days from card activation)
•    Miles or points validity subject to partners’ terms and conditions.
•    Fully compliant with Shariah principles.

Unlock the exclusivity with Dream Card with 10 traveling partners around the world. 
Choose your destination and start your dream journey with an extraordinary card today!
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Fees (VAT is not included)   
Dream Islamic Credit Card
Annual fees for credit card
S..R 1,300
Change Partner Fee
S..R 30
Annual Profit Rate
48.89%
Monthly Profit Margin
3.1%
Additional fees on international transactions
2%
Supplementary Credit Card Fees
S..R 75
Minimum Monthly Payments
5% of the due amount, or S..R 100. Whichever is higher
Cash Withdrawal Fees
3% for transactions below S..R 2,500, with a maximum limit of S..R 75 for transactions equal to or above S..R 2,500
Late Payment
S..R 50
Replacements Card Fees
S..R 15 (based on bank estimation)
Wrong Dispute Transaction
S..R 25

Lifestyle

  1. Experience the ultimate travel and lifestyle convenience with Mastercard's dedicated VIP concierge service. Available 24/7 around the globe, your personal concierge is ready to assist with your every need. Call: 8008500103 & +1-332-6006510 or riyadbank.dream@tengroup.com
  2. Split your payments into equal installments over 12 months with your Riyad Bank credit card at participating Qasset 0% partners.
  3. Exclusive Offers for Riyad Bank cardholder at various stores, restaurants, and markets. 
  4. Exclusive access to dining, travel and entertainment experiences all over the world with Priceless Cities offers from Mastercard.
  5. Unlock 6 months of complimentary Amazon Prime and enjoy a world of benefits: free delivery, exclusive deals, and unlimited streaming of movies, TV shows, and music.

Hotels

  1. Up to 7% cashback when booking your next stay on Booking.com.
  2. 12% off your next flight or hotel booking on Cleartrip. Simply use promo code “MCWORLDELITE” at checkout.
  3. Get 15% off your stay, a free drink, and a leisurely late checkout at IHG Hotels and Resorts. Book your next trip and enjoy these exclusive benefits.

Travel

  1. Enjoy unlimited complimentary access to over 1300 airport lounges in more than 450 cities worldwide. Register through Mastercard Travel Pass and elevate your travel experience.
  2. Save time and skip the lines with Mastercard Travel Pass Fast Track. Enjoy priority access at airport security checkpoints in major European, and Asian cities.
  3. Become a Hertz Gold Plus Rewards® President's Circle member, receive discounted rates, and enjoy special benefits like expedited service and upgrades.
  4. Enjoy 6 complimentary airport rides per year with Careem KSA. Simply use promo code “MAKSA6” when booking your ride to or from the airport.
  5. Get up to 35% off your next Avis car rental and enjoy complimentary Avis President's Club membership, with benefits like priority service and upgrades.

Protection

  1. Enjoy peace of mind with Travel and Medical Insurance for up to $500,000, including a seamless online process to obtain a travel insurance confirmation letter for your visa applications. 
  2. Purchase Protection for up to 180 days in case of theft or accidents.
  3. E-commerce Purchase Protection against damaged good and wrong delivery.

Frequently Asked Questions

What is the annual fee for the Dream Credit Card?
Is there an earning cap for specific merchant categories?
Can a supplementary card be issued?
When are miles or points added to the partner account?
What additional benefits does the card offer?
What additional benefits does the card offer?
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Type Five Apply Now

Employment Eligibility Personal Information
Welcome to Riyad Bank
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Open an account online and apply for Credit Card easily from Riyad Online or Riyad Mobile without having to visit the branch.

Do you wish to proceed with online account opening, click on "Open Account" button to get directed directly.

You already have an account, you can continue by following one of the options below:

You can get a credit card with a credit limit of

S..R

*You can reduce the credit limit any time you want.

The final eligibility check will take place at the branch.

Please select "Interested" to confirm your request.

Thank you for applying. Your Reference Number is 

A representative from Riyad Bank will contact you to complete your request.
Keeping in mind that a current account is required to obtain any product or service from Riyad bank, if you do not have one yet, you can open an account from here

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