Ajwaa
Aljazeera Bank
VS
Marriott Bonvoy
Ajwaa vs Marriott Bonvoy: which loyalty program wins?
We score Ajwaa and Marriott Bonvoy 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 Marriott Bonvoy is best for Saudi-based travelers.
Skip Ajwaa if Daily spenders on groceries, fuel, telecom, and government bills, and skip Marriott Bonvoy if Anyone wanting to earn through daily spend.
Overall rating
| Ajwaa | Marriott Bonvoy | |
|---|---|---|
| Overall rating | 3.2 / 5 | 4.1 / 5 |
| Earning | 3.0 / 5 | 4.0 / 5 |
| Redemption | 3.0 / 5 | 4.0 / 5 |
| Network | 3.0 / 5 | 5.0 / 5 |
| Ease of use | 3.0 / 5 | 4.0 / 5 |
| Expiry | 4.0 / 5 | 3.0 / 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. | |
|---|---|---|
| Marriott Bonvoy | Members earn 10 base points per USD spent at most Marriott brands including Ritz-Carlton, St. Regis, JW Marriott, W, Westin, Sheraton, Le Méridien, Renaissance, Autograph, Marriott, Courtyard, Aloft, and Four Points. Earnings drop to 5 points/USD at Element, Residence Inn, TownePlace Suites, Protea, and Homes & Villas; 4 points/USD at StudioRes; and 2.5 points/USD at Marriott Executive Apartments. Elite tier members receive bonus points: Silver +10%, Gold +25%, Platinum +50%, Titanium and Ambassador +75%. Members can also earn through Hertz/Dollar/Thrifty car rentals and point purchases. |
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. | |
|---|---|---|
| Marriott Bonvoy | Points redeem for hotel stays at 9,000+ Marriott properties across 143 countries. Dynamic award pricing applies - costs shift based on cash rates and demand. The 5th Night Free benefit gives the lowest-value night free on redemptions of 5+ consecutive nights - Marriott's most valuable redemption perk. Free Night Awards (from credit cards or Annual Choice Benefits) can be topped off with up to 25,000 points (increased from 15,000 in March 2026). Transfer to 40+ airline partners at 3:1 ratio (typically 60,000 Bonvoy = 25,000 miles + 5,000 bonus). Other options include gift cards, merchandise, dining experiences via Marriott Bonvoy Moments, and instant redemptions for room credits. |
Partner network · Tiers & status · Point expiry policy
| Ajwaa | Marriott Bonvoy | |
|---|---|---|
| Number of partners | 0 | 0 |
| Partners | — | — |
| Number of tiers | 0 | 6 |
| Top tier | — | Ambassador Elite |
| First-tier qualification | — | — |
| Point expiry | 36 months | 24 months inactivity (reset on earn) |