Ajwaa vs Club Apparel: which loyalty program wins?

We score Ajwaa and Club Apparel 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 Club Apparel is best for Mall shoppers.

Skip Ajwaa if Daily spenders on groceries, fuel, telecom, and government bills, and skip Club Apparel if Bargain hunters who chase clearance.

Overall rating

	Ajwaa	Club Apparel
Overall rating	3.2 / 5	3.2 / 5
Earning	3.0 / 5	3.0 / 5
Redemption	3.0 / 5	3.0 / 5
Network	3.0 / 5	3.0 / 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.
Club Apparel	The base earn rate is around 2% back, with up to 5% available at higher tiers and during promotional events like 5x points campaigns

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.
Club Apparel	Points redeem instantly at checkout in any participating Apparel Group store by scanning the in-app barcode

Partner network · Tiers & status · Point expiry policy

	Ajwaa	Club Apparel
Number of partners	0	0
Partners	—	—
Number of tiers	0	3
Top tier	—	Platinum
First-tier qualification	—	10,000 SAR spend
Point expiry	36 months	12 months

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