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MasterCard Gold

  • Annual Fee

    SAR 200

  • Supplementary card annual fee

    SAR 75

This is the card for your everyday purchases with extra peace of mind. May it be for groceries, restaurants and the needed vacations.

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


  • Easy Payment Plan – 0% Profit rate

  • Easy Payment Plan without profit rate (0%) is a program designed for Banque Saudi Fransi 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

  • 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


  • Luxurious lifestyle and collection of luxury hotels

    Enjoy best offers and promotions provided by Gold Mastercard from Banque Saudi Fransi 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 Offer


  • Priceless Specials

    Discover Priceless Specials and enjoy exciting offers on dining, fitness, beauty, hotels and attractions when you use your Banque Saudi Fransi Mastercard
    - Download the Priceless Specials app from Google Play or App Store.
    - Register, browse and locate offers near you.
    - Book your experience or service and present the in-app coupon when requesting your bill.
    - Pay with your (Bank name) Mastercard.
    - Enjoy and track your savings.
    - Keep checking the app regularly for special offers!

  • Attractive offers and discounts

    You can benefit from the discounts at prestigious merchants tied up with Banque Saudi Fransi 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 Banque Saudi Fransi 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 Banque Saudi Fransi card is supported by 3D secure (MasterCard SecureCode) security feature.

  • mada Pay service

    mada Pay is a mobile application that provides Banque Saudi Fransi 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 Banque Saudi Fransi 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

    Fransi 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

  • 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 2.25%
    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 Banque Saudi Fransi
  • 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*
27% 2.25% 5% 71 Months

*If the customer made the monthly minimum payment, then cardholder needs 71 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*
27% 2.25% 5% 12 Months

*If the customer made the monthly minimum payment, then cardholder needs 12 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*
27% 2.25% 5% 5 Months

*if the customer made the monthly minimum payment, then cardholder needs 5 months to pay the full amount and take into consideration the interests and added profits every month.


Credit Card Limit Calculator
Conventional credit card terms and conditions
Islamic credit card terms and conditions


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