Ajwaa vs Jarir Bookstore: which loyalty program wins?

We score Ajwaa and Jarir Bookstore 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 Jarir Bookstore is best for Office supply, art, and book buyers.

Skip Ajwaa if Daily spenders on groceries, fuel, telecom, and government bills, and skip Jarir Bookstore if Electronics-focused shoppers are excluded from the discount.

Overall rating

	Ajwaa	Jarir Bookstore
Overall rating	3.2 / 5	3.3 / 5
Earning	3.0 / 5	2.0 / 5
Redemption	3.0 / 5	4.0 / 5
Network	3.0 / 5	2.0 / 5
Ease of use	3.0 / 5	5.0 / 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.
Jarir Bookstore	Jarir Discount Card is not a points program - there's no earning mechanic in the traditional sense. Instead, cardholders receive an instant 10% discount on eligible categories: most office supplies, art and craft supplies, books, and computer bags. The discount is applied automatically at checkout, both in Jarir stores and on Jarir.com. To qualify for the card, applicants must have accumulated at least 500 SAR in purchase history under their registered mobile number. Jarir verifies this automatically from past transaction records. If the threshold isn't met, customers can add purchases to reach 500 SAR. Application is processed exclusively through the Jarir mobile app.

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.
Jarir Bookstore	The 10% discount is applied automatically at the point of sale. In Jarir physical stores, cardholders open the Jarir app, tap "Discount Card" to display the digital card barcode, and present it to the cashier before payment. The eligible items are auto-discounted. On Jarir.com online, the discount applies automatically when logged in with the registered account; alternatively, cardholders can enter their 7-digit discount card number manually at checkout. No minimum spend required, no point thresholds, no redemption forms to complete. Excluded categories include electronics, computers, smartphones, TVs, and gaming.

Partner network · Tiers & status · Point expiry policy

	Ajwaa	Jarir Bookstore
Number of partners	0	0
Partners	—	—
Number of tiers	0	0
Top tier	—	—
First-tier qualification	—	—
Point expiry	36 months	—

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