Visa Corporate Signature

Features and Benefits

Visa Spend Clarity for Business and Enterprise empower our customers with different solutions for different needs:

Credit Cards Control

Purchase Control (Enable the maximum amount for purchase transactions)
Purchase Type Control (Enable the needed channels for transactions such as Point of Sales, E-commerce, or Cash Withdrawal)
Purchase Place Control (Regulator the spending place such as the country)
Purchase Categories Control (Enable specific categories Such as Travel, Food, Fuel, Education, etc.)
Purchase Time Control (Enable the card in specific times such as work hours or specific dates)

Dashboard and Reports

Data rich, easy to use and global information management system. It aids in meeting the most important information management needs of companies of all sizes
A high-level visual overview of how business is spending money for corporate administrators.
Dashboards that show consolidated spend data from all of the Corporate's cards and employees, allowing them to visually analyze information to help them make informed business decisions.

Speedy & User-Friendly

Easy to learn, intuitive user interface.
Key features are available with minimal clicks.
Context-sensitive online help for information relevant to specific feature in use
Fast, easy and simple for organization to learn and use

Additional Features and Benefits

Global acceptance

Enjoy the flexibility and convenience of using your card at more than 30 million merchants worldwide.

Sharia compliant
Rest assure that Banque Saudi Fransi offers an Islamic Sharia-compliant credit card product based on Tawarruq principle.

Fees

Fees Type	Fees Amount
Card Issuance / Annual Fees (primary card)	SAR 400
Monthly Profit Rate	2.5%
Late Payment Fee	SAR 100 (not exceeding the outstanding amount)
cash Withdrawal/ Amount Transfer/ Transfer to E-wallet	SAR 75 for transactions up to SAR 5,000 and 3% for transactions above SAR 5,000 with a cap of SAR 300
International Transaction Fee (Foreign Exchange)	2.70%
Card Replacement Fee	SAR 150
Duplicate Statement Fee	Free
Temporary Limit Increase Fee	SAR 50
Transaction Dispute Fee (unsuccessful)	SAR 50

Examples of the Annual Percentage Rate

Visa Corporate Signature Credit Card
Credit limit	50,000 SAR
APR	33.16%
Credit Card Purchase Rate	27%
Minimum Payment	5%
Period to payoff	5 years and 11 months

Global airport lounge access

Your Visa Signature Credit Card allows you to access over 1,000 international airport lounges. Travel with comfort and joy around the world in more than 300 cities. To know more about the airport lounges subscribed, please visit Visa website or download the LoungeKey application. Terms and conditions apply.

You will be eligible for free entry to lounges and will renew every year once you meet the criteria of the eligibility conditions. The conditions are based on the mentioned in the below tables:

Card Type	If Cardholder does not spend 1USD	If Cardholder spend 1USD
Visa Corporate Signature	1 free entry for the Cardholder	11 free entries for the Cardholder

The cardholder will be eligible once spend 1USD (3.75 SAR) annually through POS or International E-commerce. Any entries after exceeding the eligibility entry will cost the customer 32USD for one person in one visit. Your free entries will be renewed one every first of January of each year.

Global Concierge Service

Enjoy a premium lifestyle anywhere around the world with the help of Visa Concierge Service including travel information, arrangements and reservation assistance, in addition to bookings at premium restaurants, entertainment events, shopping information and gift arrangements and delivery and many other attractive services. For more information. Please visit Visa website.

Attractive offers and discounts

You can benefit from the discounts at prestigious merchants tied up with Banque Saudi Fransi from dining to shopping, travel to entertainment and much more, All Offers .

Travel Insurance

When using your Visa Signature Card from Banque Saudi Fransi to pay for your travel expenses, you will receive a complimentary travel insurance policy for the respective trip, which can be used for visa application purposes as evidence of travel insurance. For more information on coverage and printing the insurance policy certificate and the terms and conditions, please visit Visa Middle East website

Luxurious lifestyle and collection of luxury hotels

Enjoy best offers and promotions provided by Visa Signature Card from Banque Saudi Fransi and relish every moment with pleasure from spa retreats, hotel stays and other luxurious experiences. Also, a group of exclusive deals for a handpicked selection of +900 finest hotels around the world, with your Visa Signature Card from Banque Saudi Fransi, you can enjoy attractive discounts and offers. For more information and to stay tuned on the latest offers, please visit Visa Middle East website

Extended Warranty

Your Visa Signature from Banque Saudi Fransi provides an extended warranty up to 12 months in addition to the manufacturer warranty on items purchased using the card. For more information and terms and conditions, please visit Middle East website

Purchase Protection

Your Visa Signature Card from Banque Saudi Fransi provides a purchase protection on items purchased using the card. For more information and terms and conditions, please visit Middle East website

Instant Cash

Instant cash withdrawal up to 30% of your credit limit from any ATM worldwide.

SADAD & MOI utility bill payment

For your convenience and flexibility, you may pay all your SADAD & MOI utility bills using Banque Saudi Fransi Credit Card.

Chip-and-PIN card safety feature

The card is secured with a Chip-and-PIN safety feature giving more comfort to the cardholder during financial transactions.

Secure online shopping - supported by 3D secure (verified by visa)

You can rest and shop without having to worry about your online transactions knowing that all transactions done online using any Banque Saudi Fransi card is supported by 3D secure (verified by visa) security feature.

mada Pay service

mada Pay is a mobile application that provides Banque Saudi Fransi cardholders a convenient and new way to pay for purchases at stores through Android-based mobile devices by simply adding their cards into this application safely and securely. For more information, please visit Mada Pay page

Apple Pay Service

Apple Pay is a mobile payment service that provides Banque Saudi Fransi cardholders a convenient and new way to pay for purchases at stores through Apple devices by simply adding their cards into Apple Wallet safely and securely.

SMS notification for each transaction

Get additional security with free SMS alerts for every transaction made on your card to provide you with more comfort, security and protection.

Customer service around the clock

Fransi Phone team is available around to clock to serve you. Simply, call 800 124 2121 (if within the Kingdom), or +966 92 0000 576 (if overseas).

Example (1), The credit limit is SAR 10,000 and the cardholder decided to paid due amount of (SAR 7,000) as planned:

APR	Credit Card Purchase Rate	Minimum Payment	Period to Payoff*
42.77%	2.5%	5%	70 Months

*If the customer made the monthly minimum payment, then cardholder needs 70 months to pay the full amount and take into consideration the interests and added profits every month.

Example (2), The credit limit is SAR 20,000 and the cardholder decided to paid due amount of (SAR 10,000) as planned:

APR	Credit Card Purchase Rate	Minimum Payment	Period to Payoff*
53.36%	2.5%	5%	82 Months

*If the customer made the monthly minimum payment, then cardholder needs 82 months to pay the full amount and take into consideration the interests and added profits every month.

Example (3), The credit limit is SAR 12,000 and the cardholder decided to paid due amount of (SAR 5,000) as planned:

APR	Credit Card Purchase Rate	Minimum Payment	Period to Payoff*
58.14%	2.5%	5%	58 Months

*if the customer made the monthly minimum payment, then cardholder needs 58 months to pay the full amount and take into consideration the interests and added profits every month.

The Advantages of these solutions

Control: Master every aspect of spend, with fine-tuned, to personalize card controls and limits.
Visibility: Access to detailed and comprehensive data allows for effective decision-making.
Savings: Better data allows for greater savings, either through negotiations with suppliers or catching non-compliant spends.
Convenience: For both employees and employers, thanks to the exceptional support and services.
Efficiency: Automated solution increase efﬁciency through optimum resource utilization.

Credit Card

Here are some important tips to avoid risks before getting Credit Card:

Choose the type of card that meets your needs from the target to acquire it.
Make sure to read the terms and conditions, and requests from the bank employee to explain them to you if you do not understand them.
Choose a credit limit that suits your needs and your financial ability to repay.
Take the initiative to pay the amounts due as scheduled to avoid late fees and to avoid the accumulation of due amounts, which leads to default and inability to pay in the future - God forbid - and thus harm your credit record with Samah.