Jarir Bookstore vs Mukafaat Albilad: which loyalty program wins?

We score Jarir Bookstore and Mukafaat Albilad 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

Jarir Bookstore is best for Office supply, art, and book buyers, while Mukafaat Albilad is best for Premium Tamkeen Plus cardholders.

Skip Jarir Bookstore if Electronics-focused shoppers are excluded from the discount, and skip Mukafaat Albilad if Anyone with mada Classic/Gold or Tamkeen Platinum.

Overall rating

	Jarir Bookstore	Mukafaat Albilad
Overall rating	3.3 / 5	3.6 / 5
Earning	2.0 / 5	4.0 / 5
Redemption	4.0 / 5	4.0 / 5
Network	2.0 / 5	4.0 / 5
Ease of use	5.0 / 5	3.0 / 5
Expiry	4.0 / 5	2.0 / 5

Earning structure

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.
Mukafaat Albilad	Members earn Mukafaat Albilad points on every purchase, with rates varying significantly by card type. Tamkeen Plus Signature and Infinite credit cards earn 5 points per SAR domestic and 6.5 per SAR international - among the highest in Saudi banking. Tamkeen Plus Platinum earns 3.5/4.5 (domestic/international); Tamkeen Plus Classic 2.5/3.5. Albilad Signature/Infinite credit cards earn 3 points/SAR. Albilad Silver/Gold credit cards earn 1 point/SAR. Most mada debit cards earn 0 points on domestic purchases (1 point on international only — except Signature/Infinite mada which earn 3 points internationally). Uniquely among Saudi banks, points are earned on SADAD bill payments, government payment websites, Saudi Electric and National Water websites (not via SADAD), and fuel stations.

Redemption structure

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.
Mukafaat Albilad	Points redeem through six channels via the Mukafaat Albilad portal at albiladmukafaat.com or via the Albilad app: airline tickets across 550+ carriers, hotel bookings across 175,000+ hotels worldwide, retail shopping vouchers from leading merchants, transfer to airline frequent flyer programs, charity donations to participating organizations, and cashback at any merchant - use points to repay the value of recent purchases made via Albilad card at any POS within 7 days of the original transaction. Limited-time campaigns offer enhanced transfer rates, such as the June 2026 promotion giving 30% bonus Avios on Mukafaat-to-Avios transfers. Vouchers redeemed are typically non-refundable. Points cannot be used to pay credit card fees.

Partner network · Tiers & status · Point expiry policy

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

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