Visa Signature Tawafoq

The BSF Signature VISA Card Credit Card is for those who wish to free themselves of the hassle that comes with travel and purchases of those sensitive products.

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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 BSF offers an Islamic Sharia-compliant credit card product based on Tawarruq principle.

Jana points on each transaction

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Jana Points for each 100 SAR locally and European Union Purchases	100 Points
Jana points for each 100 SAR Internationally	200 Points

Supplementary cards for your family members
Visa Signature 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 page

Global airport lounge access
To enjoy over 1000 airport lounge access globally with our Visa Signature credit card, please download VISA Airport Companion app and follow the steps.

YQ Meet & Greet Services
20% discount on retail rates at over 450+ destinations globally

As a Visa Signature cardholder from BSF , you can enjoy a special discount for meet and greet service at more than 450 international airports through our partner YQ. YQ is a global network of international airport concierge specialists that provides a personalized and exceptional experience that it deserves.

Cardholders can book through https://cemea.yqnowgroup.com/ and the discount will be calculated directly on payments

For more, please read our FAQs.

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.

For more information please call:
Within the kingdom (800 844 3488)
Overseas (+9714 436 7222) / (+1 377 063 0235)
You can also send an E-mail to: Concierge@visa.infinite-asia.com

Luxurious lifestyle and collection of luxury hotels
Enjoy best offers and promotions provided by Visa Signature Card from BSF 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 BSF , you can enjoy attractive discounts and offers. For more information and to stay tuned on the latest offers, please visit Visa Middle East website

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

Travel Insurance
When using your Visa Signature Card from BSF 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 Visa Middle East website.

Extended Warranty
Your Visa Signature from BSF 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 Visa Middle East website.

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

Fraudulent Card Misuse Protection
All Visa Signature cards are protected against fraudulent or unauthorized card usage by unrelated third parties.
For more information please visit Visa 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 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

Visa Offers and Perks

Money Back on Digital Entertainment
50% value on card not present transactions capped at USD 5 per month - (Cable, Radio, Television Streaming Services) Visa -BSF

For more benefits and features, please visit:
Visa Offers and Perks

Fees table

Signature Credit Card Fees & Charges Table
Primary	SAR 750
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.