✅ A miles program that adapts to users’ lifestyle sets the Dream Credit Card apart
✅ Extra mileage bonus: 12,500 miles with Etihad, 25,000 with Flynas, or 15,000 with Turkish Airlines
✅ 24/7 VIP concierge service via Mastercard
✅ Unlimited access to more than 1,300 VIP lounges in 450+ cities through Mastercard Travel Pass
✅ Interest-free installments (Qasset 0%) at partner stores
✅ Up to 7% cashback on hotel bookings through Booking.com
✅ Discounts on car rentals with Hertz and Avis
✅ A card 100% compliant with Sharia principles
Why does the Dream Credit Card stand out on Utua Network?
The Dream Credit Card, issued by Riyad Bank, is a credit card that is 100% Sharia-compliant and stands out for an approach rarely seen in the Saudi market: cardholders can freely choose and switch the mileage partners linked to the card, among them airlines such as Etihad, Flynas and Turkish Airlines.
Beyond that, one of the aspects that sets the Dream Credit Card apart from other mileage cards is the combination of travel, lifestyle and protection benefits. The card grants unlimited access to a network of more than 1,300 VIP lounges spread across 450 cities around the world, a benefit powered by Mastercard Travel Pass, along with priority at security checkpoints in select airports — perks that are usually reserved for products with much higher annual fees.
The card also provides complimentary travel insurance of up to US$500,000, purchase protection for 180 days, 24/7 concierge service via Mastercard, and six months of Amazon Prime at no extra cost, in addition to discounts on car rentals with Hertz and Avis and perks on stays booked through Booking.com and IHG Hotels. This combination increases the perceived value of the Dream Credit Card for frequent travelers, whether for business or leisure.
How does the Dream Credit Card’s mileage program work?
The Dream Credit Card’s biggest differentiator lies in the flexibility to choose your rewards partner. Unlike traditional mileage cards, which lock users into a single fixed program, the Dream Credit Card allows you to select up to two partners at the same time — one for domestic flights and another for international flights — and to change that choice whenever it makes sense, for a fee of SR 30 per change.
The mileage bonus granted when linking each partner works as a kind of welcome bonus for those starting their relationship with the card, and it adds to the extra miles or points released to cardholders who spend SR 10,000 within the first 60 days after activating the Dream Credit Card. It’s worth noting that this additional benefit does not apply to cards issued between November 13, 2025 and March 31, 2026, under the terms currently in force.
Who is behind the Dream Credit Card: Riyad Bank’s institutional weight
A credit card is only as trustworthy as the bank behind it. Riyad Bank ranks among the largest banks listed on the Tadawul, Saudi Arabia’s stock exchange, with a broad branch network across the Kingdom and a portfolio ranging from current accounts to large-scale corporate financing. This scale reduces the risk of a rewards program like the Dream Credit Card’s being discontinued, a relevant factor for anyone planning to earn miles over several years.
Like every banking institution operating in the country, Riyad Bank is supervised by SAMA (the Saudi Central Bank), which sets limits on abusive commercial practices and requires clear disclosure of fees, including those of the Dream Credit Card. Add to that the fact that the product is structured as a card that is 100% Sharia-compliant, with charges based on a profit rate rather than interest in the conventional sense — an approach that tends to feel more reassuring to those seeking products aligned with Islamic finance.
What do you pay for the Dream Credit Card?
No credit card review is complete without a close look at what it costs day to day, and the Dream Credit Card lays out these numbers clearly in its official materials. The annual fee charged is SR 1,300, excluding VAT, with no indication of an annual fee waiver or a free grace period, unlike other products in the Saudi market — including some from the bank itself — that offer zero annual fee in the first year.
Other relevant costs include:
✔️ Foreign transaction fee of 2% on purchases made abroad
✔️ Monthly profit rate of 3.1% and an annual profit rate, equivalent to the APR, of 48.89%
✔️ Late payment penalty of SR 50
✔️ Cash advance fee of 3% for withdrawals below SR 2,500, capped at SR 75 for amounts equal to or above that threshold
✔️ Supplementary card fee of SR 75 and card replacement fee of SR 15
In practice, these figures show that the Dream Credit Card pays off more when used with discipline: paying the statement balance in full keeps the 3.1% monthly profit rate from eating into the value of the miles earned with the card.
Author’s opinion
From the standpoint of anyone analyzing the product, the Dream Credit Card stands out positively for its flexibility in choosing mileage partners and for its robust package of travel benefits, something uncommon among Sharia-compliant cards available in the Kingdom and even worldwide. The ability to link two partners — one domestic and one international — is a genuine differentiator for those who travel frequently within and outside Saudi Arabia.
On the other hand, the SR 1,300 annual fee and the 48.89% annual profit rate are considerable costs, especially for those who don’t typically use all of the card’s benefits. Without an annual fee waiver or a free first-year promotion, the Dream Credit Card tends to make more sense for frequent travelers than for those simply looking for an everyday card.
Learn more details about the Dream Credit Card!
If the Dream Credit Card’s benefits match your travel and spending habits, the next step is to review Riyad Bank’s official Terms and Conditions and start the application process directly on the bank’s website. To do so, click the button below, where we walk you through the product’s safety and the criteria for applying.
Rede Utua is not a financial institution and does not issue credit cards or loans. Our role is to review financial products available in the Saudi market to help you make a more informed and conscious decision. Any application is made directly with the financial institution of your choice.
