Ajwaa
Aljazeera Bank
VS
Akthr
Alinma Bank
Ajwaa vs Akthr: which loyalty program wins?
We score Ajwaa and Akthr 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 Akthr is best for Anyone wanting flexible redemption across airlines, hotels, and investment.
Skip Ajwaa if Daily spenders on groceries, fuel, telecom, and government bills, and skip Akthr if Anyone seeking high earn rates without a premium card.
Overall rating
| Ajwaa | Akthr | |
|---|---|---|
| Overall rating | 3.2 / 5 | 3.6 / 5 |
| Earning | 3.0 / 5 | 3.0 / 5 |
| Redemption | 3.0 / 5 | 4.0 / 5 |
| Network | 3.0 / 5 | 4.0 / 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. | |
|---|---|---|
| Akthr | Cardholders earn Akthr points on every purchase, with rates varying significantly by card tier. Standard credit cards and the Traveler prepaid card earn 1 point per SAR. Intermediate tiers (Platinum, Signature) earn at higher rates. Infinite cards earn 6 points per SAR on domestic purchases and 7 per SAR on international - but Infinite cards are income-restricted and held by a small minority of customers. Members can also earn points through banking products and services beyond card spend. Welcome bonuses up to 10,000 points are offered to new members. Promotional doubling campaigns run periodically at supermarkets and partner merchants. Digital wallet top-ups do not earn 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. | |
|---|---|---|
| Akthr | Points redeem through multiple channels via the alinma app: cash to AlinmaPay wallet, partner POS discount codes via registered mobile number plus OTP (from as few as 2 points per code), e-vouchers and selected products, transfer to Alfursan miles, transfer to flynas naSmiles miles (24 Akthr points = 1 naSmiles mile), transfer to ALL Accor hotel rewards (22,000 Akthr = 1,000 ALL Reward Points, 5,500+ hotels worldwide), conversion to Alinma Capital investment wallet, charitable donations, hotel and car bookings, and gifting points to other registered Akthr members. Most redemption options have low or no minimum thresholds. The mobile-number-plus-OTP mechanic at partner POS is among the simplest redemption flows in Saudi banking. |
Partner network · Tiers & status · Point expiry policy
| Ajwaa | Akthr | |
|---|---|---|
| Number of partners | 0 | 0 |
| Partners | — | — |
| Number of tiers | 0 | 0 |
| Top tier | — | — |
| First-tier qualification | — | — |
| Point expiry | 36 months | 12 months |