Ajwaa vs Blue Rewards: which loyalty program wins?

We score Ajwaa and Blue Rewards 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 Blue Rewards is best for Mall shoppers.

Skip Ajwaa if Daily spenders on groceries, fuel, telecom, and government bills, and skip Blue Rewards if Any non-UAE resident expecting the 5–9% cashback rates featured in marketing.

Overall rating

	Ajwaa	Blue Rewards
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	4.0 / 5
Expiry	4.0 / 5	2.0 / 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.
Blue Rewards	Saudi members earn 1% cashback on purchases at participating Al-Futtaim brand stores. Cashback is credited to the Blue Wallet within the app. Additional Blue Points can be earned through in-app games, quizzes, achievements, referrals, and special promotions. Scan-and-earn at participating Al-Futtaim malls (where available). The Blue FAB credit card with 5-9% cashback rates is currently available only in the UAE - Saudi residents earn at the base 1% cashback rate without bank card amplification.

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.
Blue Rewards	Blue Wallet cashback is redeemed for vouchers, brand purchases, or Blue Gift cards through the Blue Rewards app. Blue Points are converted to vouchers and exclusive offers from top brands. Members can purchase Blue Gift cards (digital gift cards) with a 2% top-up bonus, usable across participating Al-Futtaim brands. Exclusive offers include 2-for-1 deals on dining, entertainment, and lifestyle activities. Festival Malls Gift Cards are available for use across mall stores. Redemption is digital-first via the Blue Rewards app. Saudi members access the same redemption catalog as other markets, though some partner offers may be UAE-specific.

Partner network · Tiers & status · Point expiry policy

	Ajwaa	Blue Rewards
Number of partners	0	0
Partners	—	—
Number of tiers	0	0
Top tier	—	—
First-tier qualification	—	—
Point expiry	36 months	fixed

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