Ajwaa vs BSF Jana Rewards: which loyalty program wins?

We score Ajwaa and BSF Jana 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 BSF Jana Rewards is best for Anyone wanting international transfer partners.

Skip Ajwaa if Daily spenders on groceries, fuel, telecom, and government bills, and skip BSF Jana Rewards if Anyone seeking transparent published earn rates and easy comparison.

Overall rating

	Ajwaa	BSF Jana Rewards
Overall rating	3.2 / 5	3.5 / 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	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.
BSF Jana Rewards	Members earn BSF Jana points on credit card spend, mada debit card transactions, local and international money transfers, SADAD bill payments, personal and home loans, and digital banking activities via FransiPlus and BSF Mobile. Earn rates vary by card type, with premium credit cards earning more per SAR. Exact per-card rates aren't published on the main program page - members can use the BSF rewards calculator or check via the app. New account opening campaigns offer significant welcome bonuses (up to 1 million points for qualifying balances). Points appear in the BSF Jana account within several business days of the transaction.

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.
BSF Jana Rewards	Points redeem at the rate of 100 BSF Jana points = 1 SAR through multiple channels: instant travel booking (flights, hotels, car rentals) via the BSFjana.sa portal; physical gifts (electronics, watches, mobile phones, appliances) delivered directly to the home address; e-vouchers from e-commerce websites and stores; cashback credited directly to the credit card; transfer to partner programs - Emirates Skywards (minimum 500 Jana points, up to 200,000 per conversion) and Accor ALL hotel rewards; pay at partner stores; transfer points to another BSF Jana member; and charity donations. Members can also supplement insufficient points with credit card payment.

Partner network · Tiers & status · Point expiry policy

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

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