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VISA Platinum Islamic
Banque Saudi Fransi·Visa Platinum
Verified: 2026-04-04
Annual Fee
SAR 460
Rewards Rate
1.00%
APR
46.28%
Income (Y1)
SAR 140
Lounges
Yes
Network
Visa
Monthly spend:
Fees
| Annual Fee | SAR 460 inc. VATFree for Advance customers |
| Supplementary Card Fee | 1st free, then SAR 86 each inc. VAT |
| FX Fee | 2% |
| Cash Advance Fee | 3% (max SAR 86) inc. VAT |
| Late Payment Fee | SAR 58 inc. VAT |
| Replacement Fee | SAR 17 inc. VAT |
| Monthly Profit Rate | 3% |
| APR | 46.28% |
| Grace Period | 25 days |
| Minimum Repayment | 5% (min SAR 200) |
Rewards & Benefits
Lounge Access
Program
Visa Airport Companion (25+ lounges)
Visits / Year
12 visits
Guests
Not included
Requires a cumulative USD 100 in international spending within the last 90 days.
Reward Rates
| Category | Points per 1 SAR | Points per 100 SAR | Value per 100 SAR | Cap |
|---|---|---|---|---|
| Domestic | 1 | 100.0 | SAR 1.00 | - |
| International | 1.5 | 150.0 | SAR 1.50 | - |
* Estimated point value in Jana Points program: SAR 0.01 (e-voucher) / SAR 0.01 (cash)
Other Benefits
- Sharia-compliant Tawarruq structure
- Purchase protection
Annual Income
Annual Income Calculation
| Annual fee(inc. VAT) | - SAR 460 |
| Rewards for spending | + SAR 600 |
| Income (First Year) | + SAR 140 |
| Annual fee(inc. VAT) | - SAR 460 |
| Rewards for spending | + SAR 600 |
| Income (Second Year) | + SAR 140 |
Income = rewards − fee + welcome bonus. Values based on SAR 5,000/month.
Redemption
Jana Points Redemption
Redemption Value
| Redemption Method | Value per 1,000 points |
|---|---|
| All redemption options | SAR 10 |
Redemption Partners
Qitaftravele-vouchers
Requirements
Application Requirements
| ID | Valid National ID or Iqama |
| Bank statement | In some cases |
| Salary certificate | From employer |
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