In a pioneering move to elevate the customer experience, Bank Saudi Fransi (BSF) a leading bank in Saudi Arabia, has launched the region’s first customisable cashback credit card—an initiative designed to empower users with greater financial flexibility and enhance their everyday lifestyle. This strategic product launch aligns with the bank’s broader vision of providing seamless digital experiences and rewarding financial journeys.
Standout features
The specialty of this new credit card lies in its high degree of personalisation, setting it apart from traditional cashback offerings. Customers can choose from five cashback categories—Dining, Grocery, Travel, Hospital, and Education—tailoring rewards to match their unique spending habits. The card offers impressive cashback rates: up to 10% in one category of the user’s choice, 3% in two additional categories, and 2% in the remaining two. Each category allows a maximum cashback of SAR 250 per month, offering substantial value for everyday and essential expenses.
However, what truly sets this product apart is the freedom of selection. Customers can choose their preferred cashback categories, putting them in full control of their rewards. Whether a customer prioritises daily grocery shopping, dining out, educational expenses, or travel, the card adapts to their needs—making every riyal spent work harder.
Additionally, the card comes with an annual fee waiver for the first year, offering risk-free onboarding. From the second year onward, an annual fee of SAR 250 is applicable—but can be waived if a predefined spending threshold is met, encouraging responsible yet rewarding credit use.
Another key advantage is the instant cashback feature. Rather than waiting for billing cycles to close or for points to accumulate, cardholders receive their cashback instantly, providing immediate gratification and reinforcing the value of each purchase.
Customer centricity
Beyond the card’s compelling financial benefits, this launch reflects BSF’s continued focus on customer-centric digital innovation. The bank has invested significantly in enhancing its mobile application, aiming to make category selection, spending tracking, and reward redemption more intuitive than ever. The new features aim to deliver a smooth and joyful user experience, simplifying financial management through modern technology.
By bridging personalisation with digital convenience, the bank is redefining how reward programs function in the region. This initiative not only enhances customer loyalty but also represents a new benchmark for customer empowerment in the financial sector.
This launch also marks a step forward in promoting financial wellness and smarter spending habits. The integration of essential and lifestyle categories encourages users to consolidate their expenses under one flexible platform—bringing clarity, value, and ease into everyday transactions. Designed to deliver unmatched value, this innovative product positions BSF as a leader in customer-centric banking solutions in KSA.
Recognising the bank’s dedication to innovation, personalisation and exceptional customer experience, The Digital Banker presented BSF with the award for ‘Outstanding Digital CX – Bank Cards’ at the Digital CX Awards 2025, hosted at the Mandarin Oriental in Singapore.
