meem Digital Banking review
Updated September 29, 2026 · SumCue Editorial Team · Facts checked September 29, 2026
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Our verdict
meem Digital Banking suits spenders who want a credit card with points based rewards for everyday purchases and steady domestic use. The Platinum card carries an annual fee of SAR 350 and adds a currency conversion fee of 2% for spending in foreign currencies.
Key facts
Loans
- Loan types
- Personal↗
Facts checked September 29, 2026, 4 sources
Pros and cons
Pros
- Credit card format of credit with rewards of points for everyday spending.
- Rewards feature shown as rewards linked to card use.
- Banking group backing through Gulf International Bank with home base in Bahrain.
Cons
- Annual fee of SAR 350 applies even with light card use.
- Currency conversion fee of 2% adds cost to spending abroad.
Ready to try meem Digital Banking?
Scored 9.0 / 10 by SumCue.
Who it suits
- Shoppers who prefer points rewards on a credit card
- Cardholders comfortable paying a yearly fee for bank backed credit
Who should look elsewhere
- Readers who want to avoid yearly charges may prefer eToro for its fee free structure.
- Readers who want cashback rather than points may prefer Bit2Me for its different rewards style.
Fees and FX
The Platinum option carries an annual fee of SAR 350 which applies whether card use is heavy or light. Spending in foreign currencies attracts a currency conversion fee of 2%. That structure suits cardholders who spend mainly in local currency and accept a fixed yearly cost for access to credit.
The company behind it
The offer sits under Gulf International Bank with home base in Bahrain. The group traces roots to 1975 which gives the digital offer a long institutional history. That background may matter to readers who prefer a card issued under an established banking group.
How meem Digital Banking compares
- 9.0 vs 8.6
9.0 vs 9.4
9.0 vs 9.4
9.0 vs 9.4
9.0 vs 8.5
9.0 vs 9.4
9.0 vs 9.3
9.0 vs 8.7
9.0 vs 9.2eToro carries an annual fee of $0 which may suit readers who want to avoid a yearly card charge.
9.0 vs 8.7
9.0 vs 9.3
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 8.8
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 8.7
9.0 vs 9.4
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 8.6
9.0 vs 8.5
9.0 vs 8.3
9.0 vs 9.5
9.0 vs 9.4
9.0 vs 9.4
9.0 vs 9.3
9.0 vs 9.3
9.0 vs 9.3
9.0 vs 9.3
9.0 vs 9.3
9.0 vs 9.3
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.1
9.0 vs 9.1
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 9.0
9.0 vs 8.9
9.0 vs 8.9
9.0 vs 8.8
9.0 vs 8.8- 9.0 vs 8.8
9.0 vs 8.7
9.0 vs 8.7
9.0 vs 8.7
9.0 vs 8.7
9.0 vs 8.7
9.0 vs 8.6
9.0 vs 8.5
9.0 vs 8.5
9.0 vs 8.5
9.0 vs 8.4- 9.0 vs 8.0
9.0 vs 8.0
9.0 vs 8.0
9.0 vs 8.0- 9.0 vs 8.0
9.0 vs 9.1
Where meem Digital Banking is available
- Available
- Bahrain, Saudi Arabia
Countries from the brand (Source, checked September 29, 2026)
Frequently asked questions
What does the meem Digital Banking card cost each year?+
The Platinum card carries an annual fee of SAR 350. The charge applies across the card account and sits alongside the credit facility. Readers who dislike fixed yearly costs should weigh that charge against expected card use.
How does foreign spending work on the card?+
Spending in foreign currencies attracts a currency conversion fee of 2%. The fee applies when the credit card is used outside the home currency. Readers who travel often should compare that cost with the annual fee of SAR 350.
What rewards does the card offer?+
The card earns rewards of points. The rewards feature is listed as rewards and follows separate rewards terms. Readers who value points should check redemption rules before judging value against the annual fee of SAR 350.
Is this a credit card or a debit card?+
The offer is a credit card, so it provides a credit line rather than direct debit from a balance. Repayment terms and credit limits shape the true cost alongside the annual fee of SAR 350. Applicants should review eligibility and repayment duties carefully.
Does meem Digital Banking offer loans as well?+
The wider offer includes loan types covering personal. That scope may interest readers who want borrowing and card products under the same provider. Card costs remain driven by the annual fee of SAR 350 and the currency conversion fee of 2%.
Who provides meem Digital Banking?+
The card sits under Gulf International Bank with home base in BH and roots linked to 1975. That history may reassure readers who prefer an established banking group. It does not change the card fees of SAR 350 and 2%.
Sources
- en.wikipedia.org/wiki/Meem_(bank) checked September 29, 2026
Backs: Loan types
“Products OnePack Murabaha Deposit Currencies Card Personal Finance”
- meem.com.sa/media/bn5b5lw0/meem_sales-kit-2026_en-r7-1.pdf checked September 29, 2026
Backs: Founded, Headquarters, Legal entity
“Gulf International Bank founded in 1975 - meem Digital Banking”
- meem.com.sa/platinum-credit-card checked September 29, 2026
Backs: Annual fee, Card kind, Currency conversion fee
“Platinum Credit Card - meem Platinum Credit Card”
- rewards.meem.com/pages/terms checked September 29, 2026
Backs: Features, Rewards type
“ajeeb rewards program - meem rewards”
Compiled from 4 source pages, checked September 29, 2026. We did not open an account.
Not confirmed yet: APR.