Managing your spending becomes easier when you use a credit card that offers practical benefits for daily needs and travel. The Meem Platinum Credit Card Saudi serves users across the GCC who want flexible features and a convenient online application process.
You get rewards, installment options, travel perks, and simple digital tools that support everyday financial tasks. This guide explains how the card works so you know exactly what to expect before applying.
Understanding the Meem Platinum Credit Card
This section gives you a clear overview of what the card offers. You will see how it fits different spending habits and lifestyle needs.
The Meem Platinum Credit Card is a Visa Platinum product designed for customers who want convenience and flexibility. It provides travel lounge access, installment features, rewards, and low FX charges for international use.
You can manage everything through Meem’s digital banking tools, making the card simple to use. The card also supports new applicants because it has no minimum credit history requirement.
Key Features and Everyday Benefits
Here you will learn how the card adds value to your daily spending. Each benefit helps you use the card more efficiently.
Airport Lounge Access
This benefit helps frequent travelers enjoy more comfort during flights. It also offers a predictable lounge experience across several airports.
Users get access to 25 lounges worldwide through the Visa Airport Companion App. You activate it by downloading the app and linking your card to the program.
The feature improves your travel experience by giving you a quiet place to rest or work. It also supports secure entry, so you do not need paper passes.
Visa Platinum Privileges
This feature gives you access to partner discounts and lifestyle deals. It also improves your savings on everyday purchases.
The card includes offers from Visa partners covering dining, hotels, and shopping categories. These discounts make the card valuable for regular spending.
You can check available deals anytime through the Visa website or app. The perks update regularly, giving you new options throughout the year.
Meem As’hal Installment Program
The installment feature helps you manage large purchases. It also offers flexible terms that match your financial plans.
You can convert eligible purchases into monthly installments for up to 24 months. The process happens directly in the Meem app, making it easy to schedule payments.
The feature helps you avoid high upfront costs, especially for travel or electronics. Profit rates apply based on the selected term.
Ajeeb Rewards Program
The rewards program allows you to earn points automatically. It also helps you redeem points for different needs.
You earn points on eligible transactions, including daily essentials and online purchases. The points accumulate quickly if you use the card consistently.
You can redeem them for vouchers, discounts, or other redemption options. This makes the card more attractive for long-term use.
Contactless NFC Payments
This feature helps you complete quick purchases securely. It also reduces the physical handling of the card.
NFC payments allow you to tap your card for fast checkout. The transaction is encrypted to protect your account details.
You can turn NFC on or off inside the Meem app. This feature is helpful when you want faster service at stores.
Low FX Charges
This benefit supports international spending and travel. It also reduces your overall transaction cost.
FX charges are set at 2 percent, which is competitive for a Platinum-level card. The fee applies when you use the card outside Saudi Arabia or make international online purchases.
The low rate helps frequent travelers control extra fees. It is also useful for users who shop from global e-commerce sites.
Eligibility Requirements
This section tells you what you must prepare before applying. It ensures you understand how qualification differs for Saudi nationals and expatriates.
For Saudi Nationals
Saudi nationals must submit a valid GOSI certificate for STP verification. They must hold a OnePack account and be at least 21 years old.
Maximum age depends on employment status, with 65 being the limit for retired applicants. No minimum SIMAH history is required for approval.
For Expatriates
Expat applicants also need a GOSI certificate for STP processing. They must hold a OnePack account and meet the same minimum age requirement.
The maximum age for expatriates is 55 years. Employment stability of at least three months is required.
Fees and Charges
This section gives you a complete breakdown of card costs. It helps you compare the fee structure before applying.
Annual and Standard Fees
The primary annual fee is SAR 350, but it is free until 28 February 2026. Supplementary cards cost SAR 50, with the first year free.
The late payment fee is SAR 50 and is donated to charity under Shariah guidelines. The card reissue fee is SAR 15, and the dispute fee for incorrect claims is SAR 25.
Cash Advance and FX Fees
Cash advances cost 3 percent of the amount, up to a maximum of SAR 75. FX transactions add a 2 percent charge. ATM balance inquiry costs SAR 1.5. All listed fees exclude VAT.
Interest Rates and Repayment Structure
This section explains how profit rates affect your payments. It also shows an example scenario to help you understand long-term costs.
The APR is 43.86 percent with a monthly profit rate of 2.99 percent. Minimum monthly payment is 5 percent of the outstanding balance.
If you pay only the minimum on a SAR 10,000 balance, full repayment can take about nine years. The total profit margin reaches SAR 11,472, assuming no new charges or late fees.
Required Documents
This section shows what to prepare before submitting your application. It helps you complete the process faster.
You must have a national ID or an Iqama and a valid mobile number for verification. A GOSI certificate is required for income proof.
You also need an active OnePack account. Additional employer documents may be required for expatriates.
How to Apply Online?
This section helps you understand the steps to start your application. Read the steps carefully so you do not miss anything.
Application Process
Here is a simple guide to help you apply online. Follow each step to complete your submission successfully.
- Visit the Meem website and choose the Platinum Credit Card page.
- Click Apply Now and fill in your personal and income details.
- Upload your documents and complete digital verification.
- Wait for approval through SMS or email notification.
Contact Support
You can reach Meem customer service through multiple channels. Calls within Saudi Arabia use the toll-free number. International users can call the global support line. Email support is available for written concerns.
Conclusion – Should You Apply Today?
The Meem Platinum Credit Card offers a strong mix of rewards, lounge access, and digital features. It is designed for users who want flexible installment options and useful Visa privileges.
The low FX charges and no minimum credit history requirement make it attractive for many applicants. If you want a digital-first card with practical benefits, this option fits well.
Disclaimer: Terms, conditions, and rates can change without notice. Always confirm the latest details with Meem Digital Banking before applying or using the card.
