Ajwaa vs Falconflyer: which loyalty program wins?

We score Ajwaa and Falconflyer 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

Ajwaa is best for Premium cardholders making large non-everyday purchases, while Falconflyer is best for Anyone with Bahrain travel routine.

Skip Ajwaa if Daily spenders on groceries, fuel, telecom, and government bills, and skip Falconflyer if Anyone wanting wide global partner network.

Overall rating

	Ajwaa	Falconflyer
Overall rating	3.2 / 5	2.9 / 5
Earning	3.0 / 5	3.0 / 5
Redemption	3.0 / 5	3.0 / 5
Network	3.0 / 5	2.0 / 5
Ease of use	3.0 / 5	3.0 / 5
Expiry	4.0 / 5	4.0 / 5

Earning structure

Ajwaa	Cardholders earn 3 points per 1 SAR on Ajwaa Infinite and Signature credit cards (lower rates on Plus and Standard tiers). Earnings drop to 0.5 points per SAR in selected categories: groceries, supermarkets, restaurants, fast food, family clothing, transportation, variety stores, gift shops, and cosmetics. The following earn no points at all: SADAD, government payments, GAZT, charities, utilities, fuel stations, telecom, education, auto dealers, fund transfers, ATM withdrawals, and e-wallet funding. Ajwaa Plus cardholders earn additional quarterly bonus points. Points appear in the account within a few days of the transaction.
Falconflyer	Members earn Falconflyer Miles by flying Gulf Air (with class-of-service multipliers - Falcon Gold business class earns up to 250%) and on Etihad Airways operated flights (Falconflyer's primary partner airline). Tier bonus miles for higher tiers: Silver +25%, Gold +50%, Black +75%. Saudi-specific earning surfaces: every transaction on the stc pay app earns Falconflyer miles, and Mobily Neqaty points can be converted to Falconflyer miles. Members can also earn through hotel partners, car rental partners, and various other lifestyle partners. Loyalty Points are earned only on Gulf Air and Etihad-operated flights. Members can buy up to 50,000 miles per year at USD 25 per 1,000 miles. Family enrollment (up to 8 nominated family members) allows pooling 70% of regular mileage.

Redemption structure

Ajwaa	Points redeem through the Ajwaa portal (separate from the main Bank Aljazira online banking). Options include cashback to the Ajwaa credit card (10,000 points = 100 SAR, minimum threshold applies), vouchers from partner merchants, flight bookings, hotel bookings, car rental, and transfers to airline frequent flyer and hotel loyalty programs. Members can purchase additional points using their Ajwaa credit card if they have insufficient balance for a desired redemption. Travel booking cancellations incur a 150 SAR fee per ticket or hotel booking, plus any supplier charges. Cancelled redemptions return points to the account.
Falconflyer	Falconflyer Miles redeem for award flights and upgrades on Gulf Air, award flights on Etihad Airways (partner), excess baggage, lounge access, and seat upgrades at airports. Members can also transfer Falconflyer Miles to ALL Accor hotel points for global hotel stays. Family members can use miles for awards at 70% of regular mileage rates. Award flight changes incur fees: USD 40/6,000 miles (Blue), USD 20/3,000 miles (Silver/Gold), USD 10/1,000 miles (Black). Date changes are free for Gold and Black tiers. Etihad Airways redemptions must be made through the Gulf Air contact center (+973 17 37 37 37) rather than online. All taxes and surcharges apply on top of mile redemption.

Partner network · Tiers & status · Point expiry policy

	Ajwaa	Falconflyer
Number of partners	0	0
Partners	—	—
Number of tiers	0	4
Top tier	—	Black
First-tier qualification	—	900 points
Point expiry	36 months	36 months

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