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VISA Signature Islamic
Banque Saudi Fransi·Visa Signature
Verified: 2026-04-04
Annual Fee
SAR 863
Rewards Rate
1.00%
APR
47.92%
Income (Y1)
SAR -263
Lounges
Yes
Network
Visa
Monthly spend:
Fees
| Annual Fee | SAR 863 inc. VATFree for Privilege 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 | 47.92% |
| Grace Period | 25 days |
| Minimum Repayment | 5% (min SAR 200) |
Rewards & Benefits
Lounge Access
Program
Visa Airport Companion (1,300+ 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 | 2 | 200.0 | SAR 2.00 | - |
* Estimated point value in Jana Points program: SAR 0.01 (e-voucher) / SAR 0.01 (cash)
Other Benefits
- Sharia-compliant Tawarruq structure
- YQ Meet & Greet services - 20% discount at 450+ airports
- Visa Concierge Service 24/7
- Visa Luxury Hotel Collection - 900+ hotels worldwide
- Extended warranty up to 12 months
- Purchase protection
- Fraudulent card misuse protection
- Easy Payment Plan 0% profit rate
- 50% value on digital entertainment (capped USD 5/month)
- mada Pay and Apple Pay compatible
- 3D Secure online shopping
- Free SMS alerts
Annual Income
Annual Income Calculation
| Annual fee(inc. VAT) | - SAR 863 |
| Rewards for spending | + SAR 600 |
| Income (First Year) | - SAR 263 |
| Annual fee(inc. VAT) | - SAR 863 |
| Rewards for spending | + SAR 600 |
| Income (Second Year) | - SAR 263 |
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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