BSF Jana Rewards
Banque Saudi Fransi
VS
qitaf
stc
BSF Jana Rewards vs qitaf: which loyalty program wins?
We score BSF Jana Rewards and qitaf on the same five factors — earning rate, redemption value, partner network, ease of use, and point expiry — to help you choose the right program for how you actually spend.
Verdict
BSF Jana Rewards is best for Anyone wanting international transfer partners, while qitaf is best for Heavy stc users on plans that earn points + frequent partner shoppers.
Skip BSF Jana Rewards if Anyone seeking transparent published earn rates and easy comparison, and skip qitaf if Non-STC subscribers.
Overall rating
| BSF Jana Rewards | qitaf | |
|---|---|---|
| Overall rating | 3.5 / 5 | 3.5 / 5 |
| Earning | 3.0 / 5 | 3.0 / 5 |
| Redemption | 4.0 / 5 | 3.0 / 5 |
| Network | 4.0 / 5 | 4.0 / 5 |
| Ease of use | 3.0 / 5 | 4.0 / 5 |
| Expiry | 3.0 / 5 | 4.0 / 5 |
Earning structure
| BSF Jana Rewards | Members earn BSF Jana points on credit card spend, mada debit card transactions, local and international money transfers, SADAD bill payments, personal and home loans, and digital banking activities via FransiPlus and BSF Mobile. Earn rates vary by card type, with premium credit cards earning more per SAR. Exact per-card rates aren't published on the main program page - members can use the BSF rewards calculator or check via the app. New account opening campaigns offer significant welcome bonuses (up to 1 million points for qualifying balances). Points appear in the BSF Jana account within several business days of the transaction. | |
|---|---|---|
| qitaf | Postpaid customers earn 1 Qitaf point per 15 SAR paid against eligible portions of their bill. Tamayouz Platinum customers earn 1.5 points per 15 SAR; Tamayouz Diamond customers earn 2 points per 15 SAR. Specific Mofawtar Prime and Baity packages earn fixed monthly bonuses ranging from 10 to 35 points. Members earn 1 point per 10 SAR at most partner outlets (Yelo, Applebee's, Ocean Basket, AbdulSamad AlQurashi, and others), and varying rates at others. Travel partners include Almosafer (1 point per 20 SAR flights, 1 per 10 SAR hotels) and Flyin. Excluded from earning: VAT, device installments, direct billing services (Apple, Google, Netflix, Spotify, OSN, stc TV), roaming packages, and many add-ons. |
Redemption structure
| BSF Jana Rewards | Points redeem at the rate of 100 BSF Jana points = 1 SAR through multiple channels: instant travel booking (flights, hotels, car rentals) via the BSFjana.sa portal; physical gifts (electronics, watches, mobile phones, appliances) delivered directly to the home address; e-vouchers from e-commerce websites and stores; cashback credited directly to the credit card; transfer to partner programs - Emirates Skywards (minimum 500 Jana points, up to 200,000 per conversion) and Accor ALL hotel rewards; pay at partner stores; transfer points to another BSF Jana member; and charity donations. Members can also supplement insufficient points with credit card payment. | |
|---|---|---|
| qitaf | Points redeem at partner outlets at a rate of 5 Qitaf points = 1 SAR by sharing the registered mobile number with the cashier and confirming via OTP. Members can also pay Saudi Electricity bills with points, redeem for stc internal services (minutes, SMS, data, bill discounts), transfer to flynas naSmiles miles at 1 Qitaf = 2 miles, or use points toward flights and hotels via Almosafer and Flyin. Internal stc rewards (minutes, SMS, data) expire 1 month from issuance. Redemption is processed via the Qitaf app, mySTC app, web portal, SMS to 900, or by calling 900. The Qitaf app supports non-stc users. |
Partner network · Tiers & status · Point expiry policy
| BSF Jana Rewards | qitaf | |
|---|---|---|
| Number of partners | 0 | 0 |
| Partners | — | — |
| Number of tiers | 0 | 0 |
| Top tier | — | — |
| First-tier qualification | — | — |
| Point expiry | — | 12 months |