Ajwaa vs stc tamayouz: which loyalty program wins?

We score Ajwaa and stc tamayouz 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 stc tamayouz is best for High-spend stc customers paying > 2,000 SAR/month.

Skip Ajwaa if Daily spenders on groceries, fuel, telecom, and government bills.

Overall rating

	Ajwaa	stc tamayouz
Overall rating	3.2 / 5	2.6 / 5
Earning	3.0 / 5	2.0 / 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	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.
stc tamayouz	Members earn 1 Tamayouz Membership Point for every 1 SAR paid on stc bills within 28 days of bill issuance. Payments after the 28-day window do not earn points. Tier thresholds within a calendar year: Gold (7,800 points), Platinum (24,000 points), Diamond (48,000 points)

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.
stc tamayouz	Tamayouz Membership Points themselves are not redeemable - they only determine tier status. Tier benefits are delivered as monthly free-service allowances managed through the "tamayouz keys" system: each member receives 100 keys per period to allocate across calls, SMS, domestic data, international minutes, GCC and international roaming data, scholarship-country call reception, ringback tones, and call screening. Diamond and Platinum members also receive free GCC and international roaming data allowances. All members get free stc tv premium subscription. Additional benefits include vanity number discounts (30% Gold, 50% Platinum, 70% Diamond), priority customer care, and bill payment extensions of 2–5 days. Members manage allocations through the mySTC app or portal.

Partner network · Tiers & status · Point expiry policy

	Ajwaa	stc tamayouz
Number of partners	0	0
Partners	—	—
Number of tiers	0	3
Top tier	—	Diamond
First-tier qualification	—	7,800 SAR spend
Point expiry	36 months	12 months

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