VISA Classic

Online shopping just got easier!

This is the card for your everyday purchases. May it be for groceries, restaurants and your vacations.

Apply Now

Features and Benefits

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

Jana points on each transaction

Redeem the Jana program points for a wide variety of gifts and cash back when redeeming points. All gifts are available in the program's catalog. To view the offers, please visit the website.

Jana Points for each 100 SAR locally and European Union Purchases	70 Points
Jana points for each 100 SAR Internationally	100 Points

Supplementary cards for your family members
Visa Classic Credit Card allows you to have additional supplementary cards for all your family members without a need for a separate account, which helps facilitate and monitor your family’s spending. Supplementary cards will enjoy the same features and benefits as the primary card.
Easy Payment Plan – 0% Profit rate
Easy Payment Plan without profit rate (0%) is a program designed for BSF credit cardholders to make purchases easier by converting them into equal monthly installment up to 12 months at selected partners. For details, please visit Easy Payment Plan page
Attractive offers and discounts
You can benefit from the discounts at prestigious merchants tied up with BSF from dining to shopping, travel to entertainment and much more. . Please visit All Offers page
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 BSF 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 BSF Card is supported by 3D secure (verified by visa) security feature
mada Pay service
mada Pay is a mobile application that provides BSF 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 BSF 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
BSF 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).
Visa Global & Local Merchant Offers
Please visit Visa Offers and Perks
For more benefits and features, please visit:
Visa Offers and Perks

Fees table

Fees & Charges Table
Primary	SAR 200
Supplementary card	Free for first card and (SAR 75) for the Second supplementary card
Monthly Profit Margin	2.5%
Late Payment Fee	SAR 100 not exceed the outstanding amount
Cash Withdrawal Fee	SAR 75 up to transaction amount SAR 5,000 and 3% for transaction amount over SAR 5,000 and max of SAR 300
International Transaction Fee “Foreign Exchange”	2.70%
Card Replacement Fee	SAR 150
Duplicate Statement Fee	SAR 50
Temporary Line Increase Fee	SAR 50
Transaction Dispute Fee (Unsuccessful)	SAR 50

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.

APR example tables based on credit limit (This is an example, and prices are subject to change for some customers based on various factors such as the credit history of the consumer):

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*
40.25%	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*
42.52%	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*
43.28%	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.