Every product, one screen Cards, financing and insurance together
eKey 2.0 verified Then a 6-digit PIN, every time
Nothing missed Upcoming payments, up front
BCFC: a trusted company in the Kingdom of Bahrain since 1983.
Licensed by the Central Bank of Bahrain as a Financing CompanyOnboarding verified with eKey 2.0Payments through BenefitPayOpen to Bahrainis and residents aged 21 and over
01Products you can get in the app
Apply from your phone, in minutesApplyfromyourphone, inminutes
Apply, get approved and manage everything in the Sahel by BCFC app.
IMTIAZ Mastercard
Credit & Prepaid Cards
Minimum age21 Years
Digital cardImmediate on approval
Physical cardDelivered in 2 days
Also in appSupplementary & Prepaid
Limits from BHD 2,000 to BHD 50,000. Unipal Youth prepaid card for ages 18–29; prepaid top‑up capped at BHD 2,500.
Emergency medical, trip cancellation, baggage delay, 24/7 assistance. Subject to eligibility and approval; terms apply.
The IMTIAZ range
One digital application. The card that suits you.
A range of credit and prepaid cards, each with its own benefits. Whichever you choose, you apply in the app, and your digital card is ready to use as soon as you're approved.
One account for everything you holdOneaccountfor everythingyouhold
Your cards, financing and insurance sit together in one account, under one identity you verify once. Apply, pay, renew and track all of it digitally in the Sahel by BCFC app.
0 formsNo paper forms: upload your documents and sign digitally in the app.
03Inside the app
What the app gives you
Your offers, your points and everything you hold, on the first screen you open. Scroll through, or pick a screen.
On the phone
Offers for the card you hold
Each IMTIAZ card comes with its own offers, and the list is refreshed every month.
World UEFAWorld EliteWorldPlatinumPlatinum For Her
Dining20% off your billGulf Hotel restaurantsValid at Sato, Takht Jamsheed, La Pergola, China Garden and more with any IMTIAZ credit card.
Two cinema tickets for the price of oneReel CinemasCinema
Free rides to the airportCareem, with IMTIAZ World MastercardTravel
Up to 7% back on hotel bookingsBooking.comTravel
Hotel5Health3Salons5Dining5
Your points, worth redeeming for
Every IMTIAZ purchase earns points. The app shows how many points each reward needs, and tells you when any are close to expiring.
CashbackStraight back to your cardFrom 1,000 points
Airline milesGulf Air, Etihad and Qatar AirwaysFrom 1,000 points
ShukranAcross Landmark Group brandsFrom 500 points
JawaherBatelco rewardsFrom 1,000 points
Give BackRoyal Humanitarian Foundation · Zakat and Sadaqat FundFrom 140 points
Everything you hold, first screen
Your card, financing and insurance side by side, with what is due next and the offers that come with them.
Your cardAvailable credit, liveCard
Your financingOutstanding and paid to dateFinancing
Your insuranceRenewal dates, up frontInsurance
7ways to redeem your points
3airline partners
140 pointsto give back
04In-app assistant
Need help? Just ask Suhail or SuhailaNeedhelp?JustaskSuhailorSuhaila
Suhail and Suhaila answer inside the app, in English or Arabic, by text or by voice, and take you straight to the screen you need. Scroll through, or pick a question.
“Pick who you'd like to chat with”
Choose your assistant
Pick Suhail, pick Suhaila, or leave the assistant switched off. You agree to the terms before it starts, and you can change your choice at any time.
Suhail or SuhailaSame answers, your choice of voice
No assistantTurn it off and the app works exactly as before
“Explain a card, a rate or a fee”
Ask in English or Arabic
Type your question or say it out loud. Suhail and Suhaila explain any rate, fee or product in plain words before you apply.
“Nearby offers”
Nearby offers, on a map
Offers near you appear on the map. Tap a pin to see the offer and how far away it is.
Nearby offersVoice modeFinance calculatorEN · عربي
“Compare two cards before I apply”
Compare, then apply
Fees, limits and rewards side by side in one answer, with the finance calculator a tap away. No branch visit.
Suhail and Suhaila provide general information and guidance, not financial advice. Built by our Bahraini team.
05Security
Your account, protected twice over.Youraccount,protectedtwiceover.
Sahel is provided by Bahrain Commercial Facilities Company B.S.C., licensed by the Central Bank of Bahrain as a Financing Company.
eKey 2.0 and a 6-digit PIN
Onboarding is verified against Bahrain's national digital identity, and every sign-in needs your PIN with two-factor authentication.
Freeze the card yourself
If a card goes missing, freeze it instantly in the app, no call needed. Card details, PIN and limits stay under your control.
You choose what we see
e-Salary access is opt-in and used only to assess your application, and your documents upload encrypted from your device.
Digital card from day one
Your card is issued digitally the moment you're approved, so you can start spending straight away: online, in store or in your wallet app.
Payments through BenefitPay
Card and financing payments go through BenefitPay and the BENEFIT Payment Gateway, Bahrain's national payment network.
A person, whenever you need one
Call 8000 8000 at any time. If something looks wrong, one of our team will help you.
06The app itself
The screens you'll actually useThescreensyou'llactuallyuse
Drag or scroll across six real screens from the app.
Dashboard
Everything, first screen
My Products
Cards, Financing and Insurance
Offers
What your card unlocks
Loyalty
Points and redemption
Assistant
Ask, in your language
Assistant
Compare before you apply
07Get started
Your financial journey starts here.
One app for your cards, financing, insurance, payments and rewards, there whenever you need it.
Scan to downloadOpens the right store for your device
Open to Bahraini citizens and residents. Registration needs a valid CPR, email and mobile number. Minimum age for a financing facility or credit card is 21. Terms apply.
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How can I help?
SuhailaAIBCFC assistant
Hi, I'm Suhaila
I answer from our website's own content. Please don't share your CPR or card numbers.
Shall I speak my answers?
Answers can be wrong. For account matters call 80008000.
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