MasterCard Gold

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

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

BSF

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 (MasterCard SecureCode)
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 (MasterCard SecureCode) 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).

Gold Credit Card 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 and E-wallet Top Up Fees	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

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.