✅ With UEFA Champions League credit card cashback on eligible purchases, with a monthly cap of SAR 200
✅ Chances to win UEFA Champions League match tickets
✅ Complimentary travel insurance provided by Mastercard
✅ Airport lounge access through Mastercard Travel Pass
✅ Global acceptance
✅ Sharia-compliant card
Why does Utua recommend the UEFA Champions League credit card?
The UEFA Champions League Credit Card, issued by Saudi National Bank (SNB) in partnership with Mastercard, combines a passion for European football with benefits that genuinely fit everyday life.
For fans of European football who already concentrate their spending on a credit card, the product tends to make sense as a primary card, since it pairs an exclusive themed design with tangible benefits such as travel insurance and airport lounge access.
It’s also Sharia-compliant and supervised by SAMA, making it a fit for those seeking financial solutions aligned with Islamic principles without giving up features common to international cards, such as global acceptance and contactless payment. These are the reasons we recommend learning more about the details to see if this is the right card for you.
How does the cashback benefit work?
The cashback program of the UEFA Champions League credit card is tiered according to the volume of purchases made each month. Spending between SAR 500 and SAR 4,999 earns 0.5% back; from SAR 5,000 to SAR 9,999, the rate rises to 1%; and above SAR 10,000, cashback reaches 2%, up to the monthly cap of SAR 200 per card. Purchases under SAR 500 do not earn cashback.
It’s worth noting that transactions made through SADAD, transfers or cash withdrawals, and e-wallet payments are not included in this calculation — only eligible purchases and electronic payments count toward the return.
Watch the games and travel with the UEFA Champions League card
Among the features disclosed by SNB is the chance to win tickets to UEFA Champions League matches, an exclusive advantage for cardholders that reinforces the product’s football-themed proposition. The card also includes complimentary travel insurance provided by Mastercard, designed both for fans traveling to follow the competition and for other destinations.
Another confirmed benefit is access to VIP airport lounges around the world, made available through Mastercard Travel Pass as part of the Mastercard Airport Experience, along with MTLS (Mastercard Travel & Lifestyle Services) support for anyone who needs assistance during international trips.
Important fees and costs to consider
One of the most important things to look at with any credit card is fee transparency. On this front, SNB publicly discloses a detailed cost table for the UEFA Champions League Credit Card. Among the highlights is the annual fee waiver: both card issuance and the annual fee are free, with no recurring cost just for keeping the product active.
For frequent travelers, it’s worth noting the foreign transaction fee of 2.85% on purchases made abroad. Since this is a Sharia-compliant product, SNB applies a monthly profit rate — currently 2.8% — instead of traditional interest, a model designed to avoid riba (interest) as defined under Islamic jurisprudence.
On an annual basis, this corresponds to an Annual Percentage Rate (APR) of 32.84%, a figure worth paying close attention to for anyone planning to carry a balance over time. Other costs to factor in include a cash advance fee of SAR 75 per transaction and a card replacement fee of SAR 50 in case of loss.
SNB’s official materials do not specify a late payment penalty amount; even so, failing to pay statements on time tends to trigger additional charges under the cardholder agreement, so it’s best to confirm these conditions directly with the bank before signing up.
Author’s opinion
The SNB UEFA Champions League Credit Card brings together some genuinely positive features: no annual fee, included travel insurance, tiered cashback, and fee transparency that the bank discloses publicly. These factors make it easier to compare against other products in the Saudi market.
On the other hand, the 32.84% APR and the 2.8% monthly profit rate show that carrying a balance over several months can get expensive, especially for anyone who doesn’t pay their statement in full. Sports-themed cards tend to spark spending driven by emotional attachment to the club or competition, which makes financial planning even more important before signing up for any card.
Learn more about the card that brings you closer to football!
Anyone who wants to apply for the UEFA Champions League Credit Card can do so through the SNB Mobile app, which makes getting the product even easier. We’ll cover this in detail on the next page, where you’ll also find more information about the card, along with the issuing institution’s track record of stability and security. Shall we take a look?
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.
