Ajwaa vs LAK Rewards: which loyalty program wins?

We score Ajwaa and LAK 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 LAK Rewards is best for Early adopters.

Skip Ajwaa if Daily spenders on groceries, fuel, telecom, and government bills, and skip LAK Rewards if Users wanting wide partner coverage.

Overall rating

	Ajwaa	LAK Rewards
Overall rating	3.2 / 5	2.6 / 5
Earning	3.0 / 5	3.0 / 5
Redemption	3.0 / 5	3.0 / 5
Network	3.0 / 5	2.0 / 5
Ease of use	3.0 / 5	3.0 / 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.
LAK Rewards	Members earn LAK points on eligible local and international transactions made with SNB AlAhli credit cards, prepaid cards, and the Global Multi-Currency Credit Card. Earn rates vary by card segment (Titanium, Platinum, World, Infinite) - cardholders need to check their card's terms or the SNB Mobile app to find their specific rate. An additional bonus of up to 50% applies on overseas transactions paid in the local currency of the country visited. The Cashback Credit Card and Alfursan Credit Card are excluded from LAK earning, as they have separate reward structures.

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.
LAK Rewards	Points redeem through the SNB Mobile app or LakRewards.com, with a minimum threshold of 1,000 points. Redemption options include cashback to the card, transfer to Alfursan miles, flight and hotel bookings via the LAK travel portal, e-gift cards, and partner merchant purchases.

Partner network · Tiers & status · Point expiry policy

	Ajwaa	LAK Rewards
Number of partners	0	0
Partners	—	—
Number of tiers	0	0
Top tier	—	—
First-tier qualification	—	—
Point expiry	36 months	12 months

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