BSF Jana Rewards
Banque Saudi Fransi
VS
stc tamayouz
stc
BSF Jana Rewards vs stc tamayouz: which loyalty program wins?
We score BSF Jana Rewards and stc tamayouz 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 stc tamayouz is best for High-spend stc customers paying > 2,000 SAR/month.
Skip BSF Jana Rewards if Anyone seeking transparent published earn rates and easy comparison.
Overall rating
| BSF Jana Rewards | stc tamayouz | |
|---|---|---|
| Overall rating | 3.5 / 5 | 2.6 / 5 |
| Earning | 3.0 / 5 | 2.0 / 5 |
| Redemption | 4.0 / 5 | 3.0 / 5 |
| Network | 4.0 / 5 | 2.0 / 5 |
| Ease of use | 3.0 / 5 | 3.0 / 5 |
| Expiry | 3.0 / 5 | 3.0 / 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. | |
|---|---|---|
| stc tamayouz | Members earn 1 Tamayouz Membership Point for every 1 SAR paid on stc bills within 28 days of bill issuance. Payments after the 28-day window do not earn points. Tier thresholds within a calendar year: Gold (7,800 points), Platinum (24,000 points), Diamond (48,000 points) |
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. | |
|---|---|---|
| stc tamayouz | Tamayouz Membership Points themselves are not redeemable - they only determine tier status. Tier benefits are delivered as monthly free-service allowances managed through the "tamayouz keys" system: each member receives 100 keys per period to allocate across calls, SMS, domestic data, international minutes, GCC and international roaming data, scholarship-country call reception, ringback tones, and call screening. Diamond and Platinum members also receive free GCC and international roaming data allowances. All members get free stc tv premium subscription. Additional benefits include vanity number discounts (30% Gold, 50% Platinum, 70% Diamond), priority customer care, and bill payment extensions of 2–5 days. Members manage allocations through the mySTC app or portal. |
Partner network · Tiers & status · Point expiry policy
| BSF Jana Rewards | stc tamayouz | |
|---|---|---|
| Number of partners | 0 | 0 |
| Partners | — | — |
| Number of tiers | 0 | 3 |
| Top tier | — | Diamond |
| First-tier qualification | — | 7,800 SAR spend |
| Point expiry | — | 12 months |