Ajwaa vs Shukran: which loyalty program wins?

We score Ajwaa and Shukran 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 Shukran is best for Mall shoppers.

Skip Ajwaa if Daily spenders on groceries, fuel, telecom, and government bills, and skip Shukran if Shoppers outside Landmark brands.

Overall rating

	Ajwaa	Shukran
Overall rating	3.2 / 5	3.5 / 5
Earning	3.0 / 5	2.0 / 5
Redemption	3.0 / 5	4.0 / 5
Network	3.0 / 5	4.0 / 5
Ease of use	3.0 / 5	4.0 / 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.
Shukran	Members earn Shukrans on every purchase at Landmark Group brands and partners across the GCC, Jordan, and Egypt. The earn rate is tier-based: Classic members earn 17 Shukrans per 100 SAR, Silver 18, Gold 19, and Platinum 21 - equivalent to roughly 0.85% to 1.05% back.

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.
Shukran	Shukrans redeem at a fixed rate of 200 Shukrans = 10 SAR (1 Shukran = 0.05 SAR) at any participating Landmark Group brand or partner outlet across the GCC, Jordan, and Egypt - both in-store and online. Minimum redemption threshold is 200 Shukrans.

Partner network · Tiers & status · Point expiry policy

	Ajwaa	Shukran
Number of partners	0	0
Partners	—	—
Number of tiers	0	4
Top tier	—	Platinum
First-tier qualification	—	750 SAR spend
Point expiry	36 months	12 months

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