MasterCard World

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

Jana Points for each 100 SAR locally and European Union Purchases	150 Points
Jana points for each 100 SAR Internationally	200 Points

Easy Payment Plan – 0% Profit rate

Easy Payment Plan page

Global airport lounge access
Travel should always feel like a privilege. And, with the World Mastercard lounge program, it does. As a cardholder you receive:
- Unlimited complementary access for you to over 1,000 regional & international, Marhaba and CAC lounges in more than 400 cities in over 125 countries worldwide.
- Special rates at select lounges for your guests if your World Mastercard is used for payment.
- Access to business facilities – email, internet, phones, fax machines and conference space in some lounges.
- Complementary refreshments and snacks.
How to use:
To enjoy the experience, please download the app and register with your Mastercard

Google Play: Mastercard Travel Pass - Apps on Google Play

App Store: https://apps.apple.com/ca/app/mastercard-travel-pass/id1493489553

Luxurious lifestyle and collection of luxury hotels

Enjoy best offers and promotions provided by Titanium Mastercard from BSF and relish every moment with pleasure from spa retreats, hotel stays and other luxurious experiences. You can enjoy attractive discounts and offers.
- 15% discount on ‘Best Available Rate’
- A complimentary welcome drink on arrival at the relevant Participating Property
- Complimentary late checkout from the Participating Property
For more information and to stay tuned on the latest offers, please visit MasterCard Offers

Fulfill Visa Services
Fulfill is a fully digital solution that allows you to apply and book appointments for your travel visa needs from the UAE, KSA, Bahrain, Oman, Kuwait, Kenya, Nigeria

With Fulfill visa assistance, you are able to apply and book appointment at a flat fee of USD 15.
- Drastically reduce your time spent applying for travel visas
- Avoid filling complicated forms, we will do that for you
- Receive documents checklist for your Travel Visa submission (when you are required to personally submit the travel application)

Global Blue VIP Services
Global Blue brings you additional savings on purchases at over 300,000 stores across the world’s best shopping ricts.
Now when you use your eligible Mastercard, you can enjoy:
- Complimentary access to Global Blue City VIP Lounges to receive VAT right back
- Complimentary access to the Global Blue fast track services at the Airport VIP Fast Lanes available at the refund points and operated directly by Global Blue
- Register for Shop Tax Free Card and enjoy an automatic completion of the Tax Free Forms when shopping at a participating Global Blue merchant
City VIP Lounges Locations:
Barcelona, Florence, London, Madrid, Milan, Munich, Paris, Rome, and Venice.

Airport VIP Fast Lane Locations:
Frankfurt, Milan, Munich, Rome, and Zurich.

How to use
Access - Simply present an eligible Mastercard at Global Blue City VIP Lounges or Global Blue Airport VIP Fast Lanes
Shop Tax Free Card - Simply visit https://www.globalblue.com/mastercardmea to register for Shop Tax Free Card and set your eligible Mastercard as the preferred non-cash refund target.

Priceless Cities
Priceless Cities is a unique collection of thousands of experiences and offers in over 40 cities and countries around the world, specially tailored for Mastercard® cardholders.

From dining to travel and entertainment, enjoy exclusive access and benefits that will make your trip abroad or stay at home even more rewarding.

How to use
- Visit priceless.com
- Register
- Choose your place of interest

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 Inconvenience and Cancellation Insurance
Inconvenience is sometimes a part of travel, but you shouldn't have to deal with it alone. When your luggage goes amiss or flight delays interrupt your plans, Mastercard World can compensate you for:

How to use:
Simply visit https://mastercard.walaa.com/ to file a claim online.

Travel accident and medical insurance
You and your loved ones deserve peace of mind every time you travel. Rest assured that you will receive compensation for medical care or emergency help if you need it. For the greatest peace of mind, enhanced protection options are available to ensure that while you're traveling, your health and safety needs are met promptly and efficiently.
As a World Mastercard® cardholder, you as well as your family and your helper* get:

How to use:
Simply visit https://mastercard.walaa.com/ to file a claim online.

Travel Insurance confirmation letter
Obtaining a travel insurance confirmation letter has never been easier. As a Mastercard® cardholder you can generate a letter online seamlessly and immediately for your Schengen or other visa requirements.

How to use:
Simply visit https://mastercard.walaa.com/ to file a claim online.

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).

Fees table

World Credit Card Fees & Charges Table
Primary	SAR 1000
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

Requirements

Current account with BSF
Age: Minimum 18 years, Maximum 60 years for non-priority clients
Signed copy of ID
Salary certificate Letter & Payslip
Last 3 months account statement reflecting salary (if salary not assigned)
Commercial registration (only for self-employed)
Company certificate (only for self-employed)
Copy of last 6 months bank statement (only for self-employed)
Complete and signed application and terms and conditions
Apply through your nearest branch
For supplementary cards: a signed copy of the user’s ID

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.

Credit Card Limit Calculator