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Global acceptance
Enjoy the flexibility and convenience of using your card at more than 30 million merchants worldwide.
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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 |
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Supplementary cards for your family members
Visa Gold 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.
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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
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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
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Instant Cash
Instant cash withdrawal up to 30% of your credit limit from any ATM worldwide.
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SADAD & MOI utility bill payment
For your convenience and flexibility, you may pay all your SADAD & MOI utility bills using BSF Credit Card.
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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.
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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
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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
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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.
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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.
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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).
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Visa Global & Local Merchant Offers
Please visit Visa Offers and Perks
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For more benefits and features, please visit:
Visa Offers and Perks
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Fees table
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 |
VISA Gold Credit Card |
APR |
36.87% |
Terms cost |
30% |
Minimum Payment |
5% |
Period to payoff |
5 years and 11 months |
*APR Calculated on Credit Limit Amount of SAR 30,000