The Meem Platinum Credit Card Saudi Arabia is designed to meet modern digital banking needs. It offers a mix of flexibility, security, and convenience for daily and international use.
Both Saudi nationals and expats can apply for this card through a simple online process. This guide breaks down the card’s features, perks, and how to get started.
What the Meem Platinum Card Offers?
You get more than a typical credit card with Meem’s digital-first approach. The card is part of Gulf International Bank’s (GIB) consumer banking services and supports both local and international use.
The Meem Platinum Credit Card Saudi Arabia includes generous reward points, travel benefits, and installment plans.
You can use it for online shopping, daily spending, and international transactions. The Visa platform ensures broad acceptance across the globe. Additional tools through the Meem mobile app give you full control of your card activity.
Key Benefits You Can Expect
This card brings several core advantages to your lifestyle. It supports everything from everyday expenses to travel planning and budgeting.
- Access to 25 global lounges using the Visa Airport Companion App.
- Automatic rewards from the Ajeeb Rewards Program with instant points.
- Convert your spending into installments through the As’hal Program.
- Supplementary cards available for family use with manageable fees.
- NFC technology is built in for smooth, contactless purchases.
- Purchase protection, low FX charges, and wide Visa acceptance globally.
Eligibility for Saudi and Expat Applicants
The card has clear criteria based on your residency status. Both Saudis and expatriates can qualify by meeting a few conditions.
Saudi Applicants
Applicants must hold a OnePack account and be at least 21 years old. The retirement age for employees is considered, while retirees can apply until age 65.
You need to be employed for at least one month before applying. There is no requirement for existing SIMAH credit history.
Expatriate Applicants
Expats can also apply if they are 21 or older and hold a OnePack account. The maximum age for expat applicants is 55.
A three-month employment history is required. Like Saudi applicants, there’s no minimum credit history needed in SIMAH.
Fee Structure and Charges
Before applying, you should understand all fees tied to the card. This helps you manage future payments and avoid surprise charges.
- Annual fee for the primary card is SAR 350, waived until February 28, 2026.
- Supplementary card fee is SAR 50, but free in the first year.
- Late payment incurs a SAR 50 fee.
- Card reissue costs SAR 15 if needed.
- Cash advances come with a 3% fee, up to SAR 75.
- The dispute fee is SAR 25 if the claim is incorrect.
- Checking balances at ATMs costs SAR 1.5 per inquiry.
How to Apply for the Meem Card Online?
The application process is fast and can be completed using your phone or computer. Meem’s online platform is designed to be simple and efficient.
- Go to the official Meem website and access the credit card section.
- Log in to your Meem digital account or sign up if you’re a new user.
- Select the Platinum Credit Card and complete the application form.
- Upload your identification and employment documents.
- Review and accept the terms, then submit the application.
- Wait for approval, then receive your card by mail or delivery.
Ajeeb Rewards Program Overview
This rewards program is designed to help you earn back on your spending. You get points automatically as you use your card.
Every eligible purchase earns you Ajeeb points. These points can be tracked and redeemed within the Meem system.
You can exchange them for travel, retail vouchers, or statement credits. It’s flexible and gives you control over how you use your benefits.
How to Make the Most of Your Ajeeb Points?
To maximize the value of the rewards program, use your card regularly. Strategic use helps you collect points faster and redeem them for things that matter.
Use the card for bills, groceries, and fuel to accumulate everyday points. Pay the balance on time to avoid interest charges that cancel out rewards.
Watch for promotions that offer bonus points for certain categories. Use the app to track your points and plan redemptions effectively.
Meem As’hal Program for Installments
This feature is ideal for large purchases. It helps you break down spending into smaller, interest-free monthly payments.
Purchases can be converted into plans from 3 to 24 months. You can activate the feature using the Meem app.
Interest-free terms often apply for selected offers. This gives you more budgeting flexibility without relying on external loans.
Where You Can Use the Meem Platinum Credit Card?
You can use the Meem Platinum Credit Card Saudi Arabia both inside and outside Saudi Arabia. It supports all standard and digital platforms for payments.
The card works in stores, online, and with mobile wallets like Apple Pay and STC Pay. Visa acceptance ensures international usability during travel.
It supports EMV chip, swipe, and NFC-based payments. Use it confidently across Saudi Arabia, GCC countries, and global destinations.
What to Prepare Before You Apply?
Make sure you are fully eligible before starting the application. This avoids rejection or delays during the process.
Confirm your age and employment length depending on your nationality. Prepare scanned copies of your ID, employment certificate, and any GOSI-related proof.
Review the latest fees and terms before accepting them. Use only secure, verified links when applying online.
Who is the Card Is Ideal For?
Some users will find this card fits their needs better than others. It’s built for flexibility and tech-savvy management.
It’s great for those who travel and want lounge access and contactless ease. If you prefer paying over time, the installment feature is valuable.
Those who use mobile banking will enjoy the app-based control. It also works well for users with limited credit history.
When This Card May Not Be Right for You?
Not every card suits every lifestyle. Some users may prefer alternatives based on their spending habits or financial goals.
If you’re looking for pure cashback instead of point rewards, this may not satisfy you. If you rarely travel, you won’t benefit from lounge access.
If your income is irregular, installment plans may be hard to manage. Cards with lower APRs might be better if you carry a monthly balance.
Interest Rates to Know
The Meem Platinum Credit Card Saudi Arabia comes with clear interest terms. These rates are competitive, but you should avoid paying them if possible.
The annual percentage rate (APR) for purchases is around 26%. Cash advances carry a similar rate and are not interest-free.
Installments can be interest-free under promotional plans. Always check your card agreement for the exact APR based on your profile.
Contact Details and Official Info
You can reach Meem or apply through verified channels only. These details are updated and official.
- Website
- Phone: +966 13 866 4000
- Head Office: 5515 Cooperative Council Road, Al Khuzama Area, Unit No. 54, Al Khobar 34721-8208
- Postal Address: P.O. Box 93, Al Khobar 31952
- Branches: Al Khobar – Meem Mall, Jeddah – Prince Sultan Road
Disclaimer
Information about the Meem Platinum Credit Card in Saudi Arabia may change over time.
Always check the official Meem website for current fees, terms, and availability. This article is for educational purposes only and not financial advice.
Is This the Right Card for You?
The Meem Platinum Credit Card Saudi Arabia is designed for smart, flexible users. With rewards, lounge access, and a digital-first approach, it fits modern needs.
If you value control, perks, and online banking, this card can deliver. Review the benefits, fees, and eligibility now and apply if it matches your goals.
