Banque Saudi Fransi is a trusted bank in Saudi Arabia. The Banque Saudi Fransi La Carte credit card is one of its popular offerings.
This guide shows you how to request the card. It provides the critical details you need to make an informed choice.
Overview of Banque Saudi Fransi
Banque Saudi Fransi is known for its substantial presence in Saudi Arabia’s banking industry. It has built a reputation for offering reliable financial solutions for individuals and businesses.
The bank is trusted for providing safe and efficient services to customers. Over the years, it has grown into one of the leading banks in the country.
High-quality customer service and innovative products have contributed to its success. Many rely on the bank for day-to-day financial management.
Overview of Banque Saudi Fransi La Carte Credit Card
It offers flexible spending and financial convenience. It is designed with features that make managing purchases easier and more secure.
Main Features
The La Carte credit card is designed for both convenience and safety. It provides global acceptance, allowing you to make purchases almost anywhere.
The card has a chip-and-PIN safety feature, ensuring secure transactions. It also offers instant cash access in case of emergencies.
For online shopping, the card is secured by 3D Secure (Verified by Visa), giving you peace of mind. Finally, the card supports mada Pay and Apple Pay, making mobile payments simple and fast.
Benefits of Using this Credit Card
Using this credit card offers several key benefits. Below are the standout features:
- Earn Jana points on every transaction, which can be redeemed for rewards.
- Get supplementary cards for your family members for free.
- Enjoy an Easy Payment Plan with a 0% profit rate.
- Access attractive offers and discounts on various purchases.
- Benefit from instant cash withdrawal when needed.
- Receive SMS notifications for every transaction to keep track of your spending.
- Visa Global & Local Merchant Offers for exclusive discounts.
- Round-the-clock customer service for assistance anytime.
Eligibility and Requirements
You must meet certain conditions to apply for the Banque Saudi Fransi La Carte credit card. These criteria ensure that the applicant can manage credit responsibly.
Eligibility Criteria
Applicants must meet primary eligibility conditions to qualify for the La Carte credit card. You need to be 18 years or older to apply.
Proof of stable income is required to show you can manage monthly payments. You must have a valid residency in Saudi Arabia or be a national.
Good credit history is also a critical factor in the approval process. Additionally, the bank may require an account with them to simplify payments.
Required Documents and Financial Information
You must provide specific documents and financial information when applying for a credit card. These help the bank verify your identity and assess your financial stability.
Below is the list of required documents:
- Valid ID (national ID or residency permit)
- Proof of income or salary (such as a payslip or bank statement)
- Employment verification letter or contract
- Copy of utility bills to verify your address
- Signed application form
- Credit history report (if applicable)
How to Apply for the La Carte Credit Card?
You can apply for this credit card online or at a bank. Both options are simple, and the process is straightforward.
Online Application through the Bank’s Website
Applying online is quick and convenient. First, visit the bank's official website and navigate the credit card section.
Select this credit card and click on the Apply Now button. Then, fill out the required fields, such as your personal and financial information.
After submitting, you will receive a confirmation email with your application number. The bank will review your details and contact you for further information.
In-Person Application at a Branch
You can also apply by visiting one of the bank’s branches. At the branch, a representative will assist you with the application form.
You will need to bring your required documents for verification. The representative will guide you through the process and ensure all information is correctly provided.
Once your application is complete, it will be submitted for review. You’ll receive an update on your application status within a few days.
Tips on Filling Out the Application Form
To avoid delays and errors, follow these simple tips when filling out your form. Make sure all information is correct and up-to-date.
- Double-check all personal details like your name and contact info.
- Ensure your income information is accurate and backed up by documents.
- Use clear, readable handwriting if filling out the form manually.
- Attach all required documents before submitting.
- Make sure to sign the form in the correct spaces.
- Contact customer service if you have any questions or concerns.
Interest Rates and Fees
Understanding the interest rates and fees is essential for managing your credit card. This section covers the costs related to purchases, cash advances, and other charges.
Interest Rates for Purchases and Cash Advances
The card's monthly profit margin is 2.5%, which applies to purchases. If you take out a cash advance, a fee of SAR 75 applies for amounts up to SAR 5,000.
For transactions over SAR 5,000, a 3% fee applies, capped at SAR 300. The late payment fee is SAR 100, which won’t exceed the outstanding balance.
International transactions come with a 2.7% fee for currency conversion. These rates and charges should be considered when managing your spending.
Annual Fees, Late Payment Charges, and Other Costs
The primary card has an annual fee of SAR 200. The first supplementary card is free, but the second card costs SAR 75.
A SAR 150 fee applies to replacing a card. Additional costs include SAR 50 for a duplicate statement and SAR 50 for a temporary line increase.
If the transaction dispute is unsuccessful, there’s also a transaction dispute fee of SAR 50. Make sure to factor in these fees when deciding how to use your card.
Managing Your Credit Card
It’s important to use your credit card wisely to avoid financial issues. Below are tips to help you manage your expenses and stay in control.
Advice on Managing Credit Card Expenses
Keep track of your spending to avoid unnecessary debt. Always pay your balance in full each month to skip interest charges.
Try to stick to a budget so you only spend what you can repay. Avoid using your card for large, unnecessary purchases you cannot cover.
Set up alerts for due dates to avoid late payment fees. Finally, use your card’s rewards wisely to maximize your spending.
Mobile App and Online Banking Features
The bank’s mobile app and online banking make it easy to manage your credit card. Below are the key features to help you stay on top of your finances:
- Monitor transactions in real time to track spending.
- View your current balance and recent activity instantly.
- Set up payment reminders and auto-pay options.
- Access Jana points balance and redeem rewards quickly.
- Securely freeze or unfreeze your card if lost or stolen.
- Review and download monthly statements with a click.
Customer Service
Customer service can be reached anytime for help with your card or account. The phone number is +966112899999.
The headquarters is at King Saud Road, Al Maather, Riyadh, Riyadh 11554, Saudi Arabia. For in-person visits or mail, contact them for any assistance you need.
Final Thoughts on How to Request a Banque Saudi Fransi La Carte Credit Card
Requesting a Banque Saudi Fransi La Carte credit card is simple, whether online or in person. Knowing the eligibility and fees helps you avoid issues.
Use the card responsibly by tracking your expenses. Customer service is always open if you need help. Managing your card well can provide practical financial solutions.
Disclaimer: This information, including fees and rates, may change. Contact the bank for the most up-to-date details.
