BSF Jana Rewards
Banque Saudi Fransi
VS
Shukran
Landmark Group
BSF Jana Rewards vs Shukran: which loyalty program wins?
We score BSF Jana Rewards and Shukran 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 Shukran is best for Mall shoppers.
Skip BSF Jana Rewards if Anyone seeking transparent published earn rates and easy comparison, and skip Shukran if Shoppers outside Landmark brands.
Overall rating
| BSF Jana Rewards | Shukran | |
|---|---|---|
| Overall rating | 3.5 / 5 | 3.5 / 5 |
| Earning | 3.0 / 5 | 2.0 / 5 |
| Redemption | 4.0 / 5 | 4.0 / 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. | |
|---|---|---|
| Shukran | Members earn Shukrans on every purchase at Landmark Group brands and partners across the GCC, Jordan, and Egypt. The earn rate is tier-based: Classic members earn 17 Shukrans per 100 SAR, Silver 18, Gold 19, and Platinum 21 - equivalent to roughly 0.85% to 1.05% back. |
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. | |
|---|---|---|
| Shukran | Shukrans redeem at a fixed rate of 200 Shukrans = 10 SAR (1 Shukran = 0.05 SAR) at any participating Landmark Group brand or partner outlet across the GCC, Jordan, and Egypt - both in-store and online. Minimum redemption threshold is 200 Shukrans. |
Partner network · Tiers & status · Point expiry policy
| BSF Jana Rewards | Shukran | |
|---|---|---|
| Number of partners | 0 | 0 |
| Partners | — | — |
| Number of tiers | 0 | 4 |
| Top tier | — | Platinum |
| First-tier qualification | — | 750 SAR spend |
| Point expiry | — | 12 months |