Hassad vs Jarir Bookstore: which loyalty program wins?

We score Hassad 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

Hassad is best for Riyad Bank World Elite cardholders who spend internationally or on e-gaming, while Jarir Bookstore is best for Office supply, art, and book buyers.

Skip Hassad if Anyone wanting long point validity or airline/hotel transfer partners, and skip Jarir Bookstore if Electronics-focused shoppers are excluded from the discount.

Overall rating

	Hassad	Jarir Bookstore
Overall rating	2.8 / 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	2.0 / 5	4.0 / 5

Earning structure

Hassad	Members are auto-enrolled in Hassad Rewards on most Riyad Bank credit card activations (some cards excluded). Earn rates vary significantly by card type and transaction category: World Elite Mastercard delivers up to 2.5% back; entry tiers typically earn 1% on local point-of-sale, 1.5% on international, 1.25% on online purchases, and 7.5% on e-gaming platforms. Welcome bonuses of 500-1,600 Hassad points apply on most cards. Points are also earned through digital banking transactions beyond card spend. The Hassad Rewards Calculator on the Riyad Bank website calculates expected points by card type and transaction type.
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

Hassad	Points redeem through two main channels: at Hassad partner stores by providing the registered mobile number and confirming the transaction with an OTP code sent by SMS; or through the Riyad Bank mobile app for gift cards and vouchers. Members can transfer Hassad points to other Hassad members using their mobile number or Hassad ID. Minimum redemption threshold is 1,000 Hassad points. Vouchers obtained through Hassad are non-refundable and non-transferable. Points cannot be redeemed for cash or used to pay credit card fees, and are non-transferable financially. Refunded or cancelled transactions reverse the corresponding Hassad points.
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

	Hassad	Jarir Bookstore
Number of partners	0	0
Partners	—	—
Number of tiers	0	0
Top tier	—	—
First-tier qualification	—	—
Point expiry	12 months	—

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