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Features and Benefits

Visa Spend Clarity for Business and Enterprise empower our customers with different solutions for different needs:


  •    Credit Cards Control

    • Purchase Control (Enable the maximum amount for purchase transactions)
    • Purchase Type Control (Enable the needed channels for transactions such as Point of Sales, E-commerce, or Cash Withdrawal)
    • Purchase Place Control (Regulator the spending place such as the country)
    • Purchase Categories Control (Enable specific categories Such as Travel, Food, Fuel, Education, etc.)
    • Purchase Time Control (Enable the card in specific times such as work hours or specific dates)

  •    Dashboard and Reports

    • Data rich, easy to use and global information management system. It aids in meeting the most important information management needs of companies of all sizes
    • A high-level visual overview of how business is spending money for corporate administrators.
    • Dashboards that show consolidated spend data from all of the Corporate's cards and employees, allowing them to visually analyze information to help them make informed business decisions.

  •    Speedy & User-Friendly

    • Easy to learn, intuitive user interface.
    • Key features are available with minimal clicks.
    • Context-sensitive online help for information relevant to specific feature in use
    • Fast, easy and simple for organization to learn and use



    Additional 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 Banque Saudi Fransi offers an Islamic Sharia-compliant credit card product based on Tawarruq principle.

    • Fees

    • Fees Type Fees Amount
      Card Issuance / Annual Fees (primary card) SAR 400
      Monthly Profit Rate 2.25%
      Late Payment Fee SAR 100 (not exceeding the outstanding amount)
      Cash Withdrawal Fee SAR 75 for transactions up to SAR 5,000 and 3% for transactions above SAR 5,000 with a cap of SAR 300
      International Transaction Fee (Foreign Exchange) 2.70%
      Card Replacement Fee SAR 150
      Duplicate Statement Fee Free
      Temporary Limit Increase Fee SAR 50
      Transaction Dispute Fee (unsuccessful) SAR 50


      Examples of the Annual Percentage Rate

      Visa Corporate Signature Credit Card
      Credit limit 50,000 SAR
      APR 33.16%
      Credit Card Purchase Rate 27%
      Minimum Payment 5%
      Period to payoff 5 years and 11 months


    • Global airport lounge access

    • Your Visa Signature Credit Card allows you to access over 1,000 international airport lounges. Travel with comfort and joy around the world in more than 300 cities. To know more about the airport lounges subscribed, please visit Visa website or download the LoungeKey application. Terms and conditions apply.

      You will be eligible for free entry to lounges and will renew every year once you meet the criteria of the eligibility conditions. The conditions are based on the mentioned in the below tables:

      Card Type If Cardholder does not spend 1USD If Cardholder spend 1USD
      Visa Corporate Signature 1 free entry for the Cardholder 11 free entries for the Cardholder


      The cardholder will be eligible once spend 1USD (3.75 SAR) annually through POS or International E-commerce. Any entries after exceeding the eligibility entry will cost the customer 32USD for one person in one visit. Your free entries will be renewed one every first of January of each year.

    • 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.

    • 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, All Offers .

    • Travel Insurance

      When using your Visa Signature Card from Banque Saudi Fransi 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

    • Luxurious lifestyle and collection of luxury hotels

      Enjoy best offers and promotions provided by Visa Signature Card from Banque Saudi Fransi 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 Banque Saudi Fransi, you can enjoy attractive discounts and offers. For more information and to stay tuned on the latest offers, please visit Visa Middle East website

    • Extended Warranty

      Your Visa Signature from Banque Saudi Fransi 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, please visit Middle East website

    • Purchase Protection

      Your Visa Signature Card from Banque Saudi Fransi provides a purchase protection on items purchased using the card. For more information and terms and conditions, please visit 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 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 (verified by visa)

      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 (verified by visa) 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).



    • 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% 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*
      27% 2.25% 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*
      27% 2.25% 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.


    Related Documents

    The Advantages of these solutions


    • Control: Master every aspect of spend, with fine-tuned, to personalize card controls and limits.
    • Visibility: Access to detailed and comprehensive data allows for effective decision-making.
    • Savings: Better data allows for greater savings, either through negotiations with suppliers or catching non-compliant spends.
    • Convenience: For both employees and employers, thanks to the exceptional support and services.
    • Efficiency: Automated solution increase efficiency through optimum resource utilization.



    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.