Ajwaa
Aljazeera Bank
VS
Neqaty
Mobily
Ajwaa vs Neqaty: which loyalty program wins?
We score Ajwaa and Neqaty 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 Neqaty is best for Mobily subscribers.
Skip Ajwaa if Daily spenders on groceries, fuel, telecom, and government bills, and skip Neqaty if Non-Mobily customers.
Overall rating
| Ajwaa | Neqaty | |
|---|---|---|
| Overall rating | 3.2 / 5 | 3.1 / 5 |
| Earning | 3.0 / 5 | 3.0 / 5 |
| Redemption | 3.0 / 5 | 3.0 / 5 |
| Network | 3.0 / 5 | 4.0 / 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. | |
|---|---|---|
| Neqaty | Members earn 1 Neqaty point per 1 SAR spent on Mobily services. Postpaid customers earn on monthly bill payments; prepaid customers earn on calls, SMS, and data usage. Bundle and add-on charges do not earn points. Additional points can be earned at 1,200+ partner outlets across Saudi Arabia, with bonus rates at specific partners (e.g. 1 point per 10 SAR at Resal). The Samba/SNB Mobily co-branded credit card earns 1 point per 6 SAR on retail purchases. Members can also transfer points bidirectionally with Shukran (Landmark Group) and SNB LAK (10,000 LAK points = 1,000 Neqaty points). |
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. | |
|---|---|---|
| Neqaty | Points redeem for Mobily services (voice minutes, data, free credit, bill discounts) starting from low thresholds, and at 1,200+ partner outlets across Saudi Arabia for cash discounts on purchases. Cash redemption at partner stores requires a minimum 3,000-point balance, with a maximum cash discount of 1,800 SAR per partner visit. Major partners include Resal (300+ digital gift cards), Yelo car rental, and Modern Electronics Company. Redemption is processed via the Mobily app, web portal, SMS, USSD, or by sharing the registered mobile number with the cashier and confirming via OTP. |
Partner network · Tiers & status · Point expiry policy
| Ajwaa | Neqaty | |
|---|---|---|
| Number of partners | 0 | 0 |
| Partners | — | — |
| Number of tiers | 0 | 0 |
| Top tier | — | — |
| First-tier qualification | — | — |
| Point expiry | 36 months | 18 months |