KFH Visa Signature Credit Card comes with a world of special privileges in rewards, travel, dining, shopping, concierge and protection services with highest comfort and safety levels.

    • Travel privileges

    • Lifestyle benefits

    • Protection & Assistance services

    • Luxury Hotel Collection

TRAVEL PRIVILEGES

Airport Lounge Access

With your "KFH" Visa Signature Credit Card you can enjoy unlimited free access to more than 1200 airport lounges worldwide. Simply present your Card at the LoungeKey program participating lounge and enjoy complimentary access. You can easily search for "Visa Airport Companion" participating lounges at:

- Download the App from your App Store:

IOS:

Visa Airport Companion      Travel         

Android:

play.google.com

Multi-trip Travel Insurance

"KFH" Visa Signature Credit Card offers you comprehensive multi-trip travel insurance for you and your family when you travel outside Kuwait with travel insurance coverage of up to US$ 500,000. All you need to do is pay for your travel with your Card and you automatically get covered for travel accident and inconvenience insurance. For more information on travel insurance, please visit: www.cardholderbenefitsonline.com.

Luxury Hotel Collection

Enjoy astonishing value at over 900 of the world’s most prestigious and intriguing properties with the Visa Luxury Hotel Collection. With the "KFH" Visa Signature Credit Card, you will have the pleasure to stay at a hand-selected portfolio of world-famous boutique hotels and resorts. You will enjoy a variety of privileges such as VIP Guest status, best available room rate, automatic room upgrade on availability and much more. For more details, please visit: www.visaluxuryhotels.com.

LIFESTYLE

Visa Global Concierge Service

With your "KFH" Visa Signature Credit Card, you will have exclusive access to concierge services for 24 hours a day to assist you with a host of services in relation to flight, dining, hotels reservations and much more. All you need to do is call +97143611234 or email to: [email protected] and the multilingual Visa Global Concierge Services will be readily available to assist you for all your needs. For more details, please visit: www.visamiddleeast.com/kw/en-kw/signature/concierge. Customer will have to pay any fees or related charges for the third parties involved.

Visa Global Offers & Discounts

Enjoy the finest offers and fabulous discounts globally whenever you shop with your Visa Signature Card and avail Visa offers and programs related to dining, travel, shopping and much more. For more information and to view all the Visa offers please visit: www.visamiddleeast.com/visasignature.

PROTECTION AND ASSISTANCE

Medical and legal referral

In case of any medical or legal emergency at any time or anywhere, you simply need to contact the dedicated Visa team who will refer you to physicians, hospitals, clinics, dentists, lawyers or legal practitioners based on request and location. All you need to do is call +9714361 1234 or +44 (0) 208 762 8373. Customer will have to pay any fees or related charges for the third parties involved.

Purchase Protection and Extended Warranty

Purchase protection protects against theft or accidental damage of goods purchased using the KFH Visa Signature Credit Card.  Extended Warranty doubles the repair period offered by the original manufacturer’s warranty by up to 1 year. For more information, please visit: www.cardholderbenefitsonline.com.

GCAS – Global Cardholder Assistance Service

No matter where you are in the world, multilingual service representatives are at hand to assist you 24 hours a day, 365 days a year. If your KFH Visa Signature Credit Card is lost or stolen, Visa Global Customer Assistance Service representatives will be available to help you at +1 303 967 1090.

* For mobile phones, view in horizontal mode.

Spend your purchases with your KFH Visa Signature Credit Card and get up to 6% Cashback* every month.

Offer effective 16th June 2024

*Terms & Conditions.

Terms & Conditions - KFH Visa Signature Credit Card (Charge) Cashback Campaign:

1. Visa Signature and Visa Infinite cards are under Tier black cards in Baitak Rewards.
2. Tier Black cardholders will have cashback as one of the redemption options.
3. For Customer spends on nonparticipating merchants, Customers earn flat 1.5% as base earning with points from daily spending with unlimited with no cap as part of tier black scheme.
4. Any earn rate higher than 1.5% corresponding to earn table rates will be added as bonus points additionally every month. Ex. 3500 KD monthly local spend will earn 1.5% in a daily basis and remaining 4.5% will be credited to Baitak Rewards account as bonus points following statement month.
5. Bonus Baitak Rewards points will be credited to customer Baitak Rewards balance by the beginning of the following statement month.
6. Earned Points from Participating merchants will not be calculated for Monthly Bonus points.
7. If a customer has another eligible card for Baitak rewards in addition to visa signature or visa infinite cards, he will be able to redeem these card points for cashback redemption as well. Redeemed points will be credited to Card Statement in 7 business days as cashback.
8. If a customer has another eligible card for Baitak rewards in addition to visa signature or visa infinite cards, monthly bonus points will not include these cards transactions.
9. Cardholders can earn up to 30% cashback points from Participating Merchants.
10. Customers should have an active Visa Infinite or Visa Signature Credit card to receive cashback.
11. If a customer has both Visa Signature and Visa Infinite cards, the redeemed cashback amount will be credited to Visa Infinite card.
12. KFH has the right to do campaigns only for specific times and seasons.
13. Customer should have minimum 20,000 Baitak points (20 KD) to be able to convert his points to cashback.
14. Customer can redeem their points for other redemption option in Baitak Rewards. The maximum cashback redemption amount for a customer is 1,500 KD within a calendar year.

Earn Table - Local Spends:

Earn Table - International Spends:

• Base Points can be earned unlimited based on the spending. They will be posted daily
• Bonus points will be posted once a month for spends in last statement                          
• Monthly Spends mean spends during a statement                                 
• Local spends mean spends in KD and International spends mean spends in Foreign Currency

Examples :

Example 1*: Only international Purchase

KD 5000 purchases done internationally (in non-KD) during the last monthly card statement period. Customers will earn Base and Bonus points. Total Baitak Reward points earnings will be 255,000 points (Value of KD 255), split into Base and Bonus points as shown below.

1. Base Points – earned daily (75,000): For KD 5000 purchase, Base points earning is 75,000 Baitak Reward points (KD 5000*15 points = 75000 points, value of 75 KD). These points can be earned without any upper limit (Unlimited).

1. Bonus Points – earned once a month (180,000): As per the earn table, Bonus points can be earned for a maximum of KD 4000 international purchases. For international purchases of KD 4000, as per the earn table, the applied earnings rate will be 4.5% (6% total earning - 1.5% base rate [as already earned as daily Base points] = 4.5%).   Bonus points earned will be 180,000 Baitak Reward points (KD 4000*45 points = 180,000 points, value of KD 180).

Example 2*: International and Local Purchase

Total KD 7000 purchases. KD 3500 purchases were made locally (in KD) and 3500 internationally (in non-KD) during the last monthly card statement period. Customers will earn Base and Bonus points. Total Baitak Reward points earnings will be 420,000 points (Value of KD 420), split into Base and Bonus points as shown below.

1. Base Points – earned daily (105,000):   For 7000 KD total purchases, Base points earning is 105,000 Baitak Reward points (KD 7000*15 points = 105,000 points, Value of KD 105). These points can be earned without any upper limit (Unlimited).

1. Bonus Points – earned once a month (315,000):
   1. For international purchases of KD 3500, as per the earn table, the applied earnings rate will be 4.5% (6% total earning - 1.5% base rate [as already earned as daily Base points] = 4.5%).  For 3500 KD international purchases, bonus points earned will be 157,500 Baitak Reward points (KD 3500*45 points = 157,500 points, value of KD 157.5)

1. For Local purchases of KD 3500, as per the earn table, the applied earnings rate will be 4.5% (6% total earning - 1.5% base rate [as already earned as daily Base points] = 4.5%).  For 3500 KD local purchases, bonus points earned will be 157,500 Baitak Reward points (KD 3500*45 points = 157,500 points, value of KD 157.5)

Example 3*:  Only Local Purchase

KD 1100 purchases done Locally (in KD) during the last monthly card statement period. Customers will earn Base and Bonus points. Total Baitak Reward points earnings will be 27,500 points (Value of KD 27.5), split into Base and Bonus points as shown below.

1. Base Points – earned daily (16,500):  For KD 1100 purchases, Base points earning is 16,500 Baitak Reward points (KD 1100*15 points = 16,500 points, value of 16.5 KD). These points can be earned without any upper limit (Unlimited).

1. Bonus Points – earned once a month (11,000): For Local purchases of KD 1100, as per the earn table, the applied earnings rate will be 1% (2.5% total earning - 1.5% base rate [as already earned as daily Base points] = 1%).  For 1100 KD local purchases, bonus points earned will be 11,000 Baitak Reward points (KD 1100*10 points = 11,000 points, value of KD 11)

* The examples are indicative only. T&Cs apply.

•     KD 150 annual subscription fees.
•     Due amounts to be deducted on monthly basis.
•     No extra charges in case of using maximum credit limit.

* For mobile phones, view in horizontal mode.

Earn Table - Local Spends:

Earn Table - International Spends:

1- When the cashback will be credit to card statement?

The cashback will be credited to Card Statement in 7 business days after redemption.

2- Under which Tier, the visa signature credit card and visa Infinite cards.?

Visa Signature and Visa Infinite cards are under Tier black cards in Baitak Rewards.

3- Only Visa signature cards will be eligible for cashback as one of the redemption options in Baitak Rewards!

No. All Tier Black cardholders (Visa signature and Visa infinite) are able for the cashback as one of the redemption options.

4- From 3001 KD to 4000 KD local spending, the customer will earn 4% local rate!

No. customer will earn cashback points of 6%. from 3001 KD to 4000 KD spending either local or intl.

5- What is the cashback earning rate on KD 4001+ of local spending?

1.5% is the rate for local and int’l cashback for over 4001 KD spending.Example: If a customer did 5000 KD local spend in a month, he will earn 4000*6% + 1000*1.5% = 255,000 Baitak Points (255 KD).

6- What’s the minimum amount for cashback redemption?

Customer should have a minimum of 20,000 Baitak Points to be able to convert points to cash.

7- Is there a maximum amount for cashback redemption amount?

Customers earn Baitak points unlimited without any cap. However, a customer can convert 1.5 million points (1,500 KD) Baitak points to cash in one year.

• 2 years points validity.

• Earn points on eligible card purchases.

• Redeem Points to payment e-voucher.

• Redeem points to earn e-vouchers.

• Transfer points to another member.