Global Multi Currency Credit Card

We are happy to present to you our latest card in the market and the first of its kind in the Kingdom, and we thank you for choosing our innovative products that are specially designed to meet your needs and provide you with unique experiences.

The Global Multi-Currency Credit Card from SNB for the first time in the Kingdom with zero FX markup.

Travel and Lifestyle Benefits

Enjoy a more premium travel experience with Global Multi Currency Credit Card. Get access to exclusive travel and lifestyle benefits that make traveling hassle-free.

Travel and Lifestyle Benefits
  • Free (zero annual fee) for Wessam Platinum, Elite, and Private Banking members
  • Earn LAK points on all your purchases
  • Smart Payment Plan. Please review the terms and conditions of the Smart Payment Plan
  • Special offers and discounts at global partner outlets. For more information please visit the credit card offers and discounts page
  • Mastercard Airport Experience provided by Mastercard Travel Pass to access airport lounges worldwide
  • Access to MTLS (Mastercard Travel & Lifestyle Services)
  • Contactless payment – “Atheer" service
  • Globally accepted
  • Shariah complaint
  • Offers flexible monthly payments management
    Available to all customer segments
Lak Rewards Program

Earn Lak Rewards points every time you swipe your Global Multi Currency Credit Card. You can spend your points on travel, e-gift partners, or redeem them as cashback. 

Insurance Benefits

Enjoy greater peace of mind with effective insurance products included with the Wessam Platinum Credit Card.

Insurance Benefits
  • Additional credit shield protection with Himayati and Himayati Plus insurance coverage. 
  • Free travel insurance of up to SAR 750,000 against personal accidents, flight cancellations, luggage delay and loss.
  • Travel insurance coverage provided by Mastercard
Global Multi-Currency Credit Card – World Elite Flex​ ​

Card Type


Issuance Fees


Annual Fees


Cash Withdrawal Fees

75 SAR

Credit Card Purchase Rate


Monthly Percentage Rate


Lost Card Replacement Fees


Failover Fees


International Transaction Fees


Annual Percentage Rate (APR)


Fees for conversion between currency wallets

1% of the transaction amount

Currency details
  Default currencies - Free of charge
 SAR - Saudi Arabian Riyal
 USD - US Dollar

GBP - British Pound

AED - Emirati Dirham

EUR – Euro


Additional currencies - 25 SAR per newly Added currency
BHD - Bahraini Dinar
QAR - Qatari Riyal
CHF - Swiss Franc
KWD - Kuwaiti Dinar
OMR - Omani Riyal
JOD - Jordanian Dinar
MAD - Moroccan Dirham
EGP - Egyptian Pound
CAD - Canadian Dollar
TRY - Turkish Lira
JYP - Japanese Yen
SGD - Singapore Dollar
AUD - Australian Dollar
INR - Indian Rupee
​LAK Details
   Local & International    Purchase Value    LAK Points
Local  For every SAR 1  1 Point
International For every SAR 3 1 Point


Transactions eligible to earn “LAK" points:

All purchases and electronic payments, except for transactions made through SADAD or cash transfer/cash withdrawal and e-wallet payments.

What you need to qualify

You must be 21 years or older.

Digital Banking

Make banking quicker and easier when you use the SNB Mobile app. View your balances, make payments, apply for accounts, and more.

Annual Percentage Rates

View all the pricing and calculations related to our finance and savings products.