Mastercard Platinum Credit Card - Credit Cards

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Home > Accounts & Cards > Cards > Credit Cards > Mastercard Platinum Credit Card

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Mastercard Platinum Credit Card

Platinum Mastercard Credit Card from Riyad Bank takes you to a world of luxury and sophistication giving you exceptional privileges from Master Card on shopping and dining.

Unlimited, complimentary access to over 25 regional and international lounges
Fraud protection

Apply now

More Information

Overview
Eligibility
How to Apply
Fees & Charges
FAQS

Core Benefits

Enjoy up to 1.5% Hassad points back on your spending and 200 complementary Hassad points after enrolling to the Hassad Rewards program. Redeem your points for a wide variety of offers, gift cards, and other rewards with participating partners.

Lifestyle

Split your payments into equal installments over 12 months with your Riyad Bank credit card at participating Qasset 0% partners.
Exclusive Offers for Riyad Bank cardholder at various stores, restaurants, and markets.
Exclusive access to dining, travel and entertainment experiences all over the world with Priceless Cities offers from Mastercard.
Unlock 4 months of complimentary Amazon Prime and enjoy a world of benefits: free delivery, exclusive deals, and unlimited streaming of movies, TV shows, and music.
Enjoy 50% off your Shahid VIP monthly plan and unlock a world of entertainment.

Protection

Purchase Protection for up to 180 days in case of theft or accidents.
E-commerce Purchase Protection against damaged good and wrong delivery.

Travel

Unlimited complimentary access to over 25 airport lounges across Saudi Arabia, United Arab Emirates, United States, United Kingdom, Germany, and more through Mastercard Travel Pass.
Up to 20% discount on Avis car rentals and a complimentary upgrade with every rental.

Hotels

Up to 10% cashback when booking your next stay on Booking.com.
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.
Up to 20% off hotels and flights on Trip.com, with access to over 1.1 million hotels and 500 airlines. Use promocode: MCTRIP20

Should be 18 years of age or older
Should be compliant with Riyad Bank’s and SIMAH’s policies for issuance credit cards

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 Online, Riyad Bank website or call 8001242020

MasterCard Platinum Conventional Credit Card Fees & Charges

Title 2

Annual Membership Fee

S..R 390

Annual Membership Fee (Supplementary Credit Card)

Free

Monthly Term Cost

2.55%

Annual Profit Rate

36.75%

Late Payment

S..R 50

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

Additional fee on International Transaction

2.0%

Replacement Card

S..R 15

Credit Shield (Optional)

0.49% of the total outstanding balance

Monthly Minimum Payment

5% of the total due or S..R 100, whichever is higher

Wrong Dispute Transaction

S..R 25

VIP airports lounges access fee (Mastercard Travel Pass)

Unlimited, complimentary access to over 25 regional and international lounges. Free access for the cardholder and 32$ for each visit per person

*Fees will be effective starting from 19/07/2025

Frequently Asked Questions

Can I use the credit card immediately after receiving it?

No, you have to activate the credit card first through Riyad Bank branches, Riyad Bank 24/7 Customer Service Center at (+966) 920002470 or Riyad Online.

Are there any fees on the credit card?

For more information about other card fees, please visit Credit Cards webpage.

How can I view the transactions done with my card?

You can view all transaction done with your card through Riyad Online and Riyad Mobile, and you can view and print your card’s monthly statement as well.

Would I be registered immediately for Riyad Online after receiving my credit card?

You have to register for Riyad Online service then your credit card will be listed automatically among your accounts in Riyad Online.

What if I lose my card?

Call (+966) 920002470 immediately to report your card loss whether you are inside or outside the Kingdom.

Can I change my PIN?

Yes, you can change your PIN through Riyad Bank ATMs.

How can I enroll in Hassad Rewards Program?

You will be automatically enrolled in Hassad Rewards Program without the need to register (some cards are excluded).

Are there any risks in using credit cards online?

There are no risks whatsoever, all what you need to do is to activate the card’s 3D Secure feature which is provided free of charge by Riyad Bank to protect your online transactions. In addition, we recommend that you avoid suspicious or unknown websites when purchasing online.

Are there any installment plans to settle my credit cards purchases?

Yes, you can easily do that through Riyad Bank Qasset Installment Program (some cards are excluded); just choose the desired plan then contact Riyad Bank Call Center to execute your request. For more information visit our Credit Cards offers page.

Can I increase my credit card limit?

Yes, you can request an increase of your credit card limit through Riyad Online, Call Center or any of our branches.

Does the card allow me to access VIP lounges at international airports?

Yes, some of our cards give access to airport lounges. For more information, please visit the Credit Cards webpage.

How does the Riyad Bank Contactless Credit Card work?

The Riyad Bank Contactless Credit Card has a chip and a radio frequency antenna embedded. When the Contactless Credit Card is tapped against a terminal enabled for contactless payments, the card transmits payment details wirelessly, eliminating the need to insert the card. Account details are communicated to the reader and then processed through the secure Visa or MasterCard® acceptance network in the same way as had you inserted the card.

How is the Riyad Bank Contactless Credit Card more secure?

The Riyad Bank Contactless Credit Card uses secure encryption technology (the same as CHIP and PIN) so you can confidently use it. Besides, it never has to leave your hand when a payment is made, you will always be in control – giving you added security to the card.

Where can the Riyad Bank Contactless Credit Card be used?

Anywhere with a Contactless payment PoS Machine, the card can be used to tap and pay. If a contactless PoS machine is not available, the Contactless card can still be used for swipe or dip transactions.

How will I know if a retailer accepts contactless payments?

A retailer with a PoS machine showing a contactless symbol displayed on it, is enabled for contactless payments.

How close to a PoS terminal reader do I have to be to ‘waive’ my card?

You need to be at least 4cm away from a PoS terminal to waive for a purchase otherwise you can also directly ‘tap’ on the terminal screen.

How will purchases appear in the monthly statement?

Purchases made in contactless mode will be displayed in the statement just like any other purchase made with a regular card.

How will I know if the transaction is successful?

You will hear a beep/see a light and receive a slip from the merchant, as well as receive an SMS and e-mail on your registered contact details once the transaction is successful.

Is there a limit on the value of goods I can purchase with my contactless card?

You can use your Riyad Bank Contactless Credit Card to pay for items up to the value of S..R 100. For purchases over S..R 100 you will need to enter your PIN.

Is there a transaction limit on my Riyad Bank Contactless Credit Card?

Your maximum spend per transaction is S..R 100. Your Riyad Bank Contactless Credit Card is capped at S..R 300 - which limits any possible loss. Once this limit is reached, you will be asked to enter your PIN and the count is reset to zero till you reach the cap of S..R 300 again.

What if I wave the card twice at the terminal? Will I be charged twice?

Not at all. Should the card be tapped more than once at the terminal, you will only get billed once for the purchase.

What if I am passing by a contactless terminal and a contactless transaction takes place?

The contactless technology works only when the card is waved at a maximum range of 4cm.
Should you be within proximity of a contactless terminal, no accidental transaction can take place as the cashier must first enter the amount on the PoS machine before the card is waived or tapped and payment is processed.

Can my Riyad Bank Contactless Credit Card details be intercepted during a payment?

Contactless only works when a card is close to the card reader. This makes it extremely difficult for any details to be intercepted while in use. Also, each card reader contains security technology based on industry-wide standards.

Is contactless technology secure?

Yes it is. Contactless uses the latest secure encryption technology (same as Chip and PIN) so you can feel confident when using it to pay for items.

Can I ‘Tap’ or ‘Waive’ my contactless credit card to get cash out at an ATM?

No, you cannot ‘Tap’ or ‘Waive’ to get cash out of an ATM using your contactless credit card. You will have to insert your Riyad Bank Contactless Credit Card into an ATM and enter your PIN as you normally do.

What if my Riyad Bank Contactless Credit Card is lost or stolen?

You should call 920002407 to report your card lost or stolen or visit the nearest Riyad Bank Branch to have the card blocked.

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What's after applying online?

Visit your nearest 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

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About us

Riyad Bank, Public Shareholding Company, Capital of SAR 30 Billion, Commercial Register (1010001054), P.O. Box 22622 Riyadh 11416, Tel. +966 11 4013030, National Address: 2414 Riyadh 13241-7279, www.riyadbank.com, is licensed by the Council of Ministers Resolution (91) dated 23.11.1957, and regulated by Saudi Central Bank.