Ajwaa vs Flying Blue: which loyalty program wins?

We score Ajwaa and Flying Blue 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 Flying Blue is best for Frequent flyers.

Skip Ajwaa if Daily spenders on groceries, fuel, telecom, and government bills, and skip Flying Blue if Anyone seeking elite status without flying.

Overall rating

	Ajwaa	Flying Blue
Overall rating	3.2 / 5	3.8 / 5
Earning	3.0 / 5	3.0 / 5
Redemption	3.0 / 5	4.0 / 5
Network	3.0 / 5	5.0 / 5
Ease of use	3.0 / 5	3.0 / 5
Expiry	4.0 / 5	4.0 / 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.
Flying Blue	Members earn Flying Blue Miles on flights with Air France, KLM, Transavia, Aircalin, Air Europa, Kenya Airways, TAROM, and the 19+ SkyTeam alliance partners including Saudia, Delta, Korean Air, China Eastern, Garuda, ITA Airways, China Southern, and Aeromexico. Earn rate by status: Explorer 4 Miles/Euro, Silver 6/Euro, Gold 7/Euro, Platinum 8/Euro, Ultimate 9/Euro. XP (Experience Points) for tier qualification are earned only on flights — Silver requires 100 XP, Gold +180 XP, Platinum +300 XP. XP earnings depend on distance and cabin class. Non-alliance partners include Japan Airlines, Qantas, Virgin Atlantic, GOL, and Etihad. Hotel partner ALL Accor allows seamless earning across both programs. No Saudi bank issues a Flying Blue co-branded credit card.

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.
Flying Blue	Miles redeem for award flights on Air France, KLM, all SkyTeam partners, and non-alliance partners (Japan Airlines, Qantas, Virgin Atlantic, GOL, Etihad). Award pricing is moderately dynamic - less than US programs but more than Avios. Monthly Promo Rewards offer 25-50% discounts on selected award routes - a uniquely member-friendly feature. Members can also redeem for cabin upgrades (including World Business Class on long-haul KLM/Air France), seat upgrades, hotel stays (ALL Accor primarily), car rentals, and experiences. La Première (Air France First Class) redemptions are restricted to Platinum and Ultimate members. A 70 Euro change/cancellation fee applies to most awards; waived for Platinum and Ultimate.

Partner network · Tiers & status · Point expiry policy

	Ajwaa	Flying Blue
Number of partners	0	0
Partners	—	—
Number of tiers	0	5
Top tier	—	Ultimate
First-tier qualification	—	100 points
Point expiry	36 months	24 months inactivity (reset on earn)

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