anb rewards vs Jarir Bookstore: which loyalty program wins?

We score anb rewards and Jarir Bookstore 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

anb rewards is best for Anyone wanting transparent transfer rates to airline and telecom programs, while Jarir Bookstore is best for Office supply, art, and book buyers.

Skip anb rewards if Anyone wanting long expiry - points last only 12 months, and skip Jarir Bookstore if Electronics-focused shoppers are excluded from the discount.

Overall rating

	anb rewards	Jarir Bookstore
Overall rating	3.6 / 5	3.3 / 5
Earning	3.0 / 5	2.0 / 5
Redemption	4.0 / 5	4.0 / 5
Network	4.0 / 5	2.0 / 5
Ease of use	4.0 / 5	5.0 / 5
Expiry	3.0 / 5	4.0 / 5

Earning structure

anb rewards	Members earn anb rewards points on credit card spend, with rates by card type: Titanium Mastercard 1 point per SAR domestic and 1.5 international; Platinum Mastercard 1.5 points domestic and 2 international; World Elite Mastercard 1.5 points domestic and 2.5 international. Points also accrue on other banking activities: personal and home loans, current accounts, bill payments, transfers, and other anb banking products. Affluent banking customers (Platinum Program) earn additional bonus points up to 500,000 points when maintaining 100,000+ SAR average balance for 3 months. Points typically post within one month of the transaction. Enrollment is free and required to start earning.
Jarir Bookstore	Jarir Discount Card is not a points program - there's no earning mechanic in the traditional sense. Instead, cardholders receive an instant 10% discount on eligible categories: most office supplies, art and craft supplies, books, and computer bags. The discount is applied automatically at checkout, both in Jarir stores and on Jarir.com. To qualify for the card, applicants must have accumulated at least 500 SAR in purchase history under their registered mobile number. Jarir verifies this automatically from past transaction records. If the threshold isn't met, customers can add purchases to reach 500 SAR. Application is processed exclusively through the Jarir mobile app.

Redemption structure

anb rewards	Points redeem through multiple channels via the anb app: e-vouchers across a wide partner catalog (restaurants, hotels, pharmacies, travel, retail), cashback deposited directly to the credit card account, charity donations to registered organizations, peer-to-peer transfer to family and friends enrolled in the program, pay-with-points at partner outlets by providing the registered mobile number and confirming via OTP, and transfer to airline and telecom loyalty programs including Alfursan, Qitaf, and flynas naSmiles (each with publicly disclosed conversion rates). E-vouchers redeemed are valid for 1 year from redemption and are non-refundable. Members can supplement insufficient point balances at partner POS using mada or credit card.
Jarir Bookstore	The 10% discount is applied automatically at the point of sale. In Jarir physical stores, cardholders open the Jarir app, tap "Discount Card" to display the digital card barcode, and present it to the cashier before payment. The eligible items are auto-discounted. On Jarir.com online, the discount applies automatically when logged in with the registered account; alternatively, cardholders can enter their 7-digit discount card number manually at checkout. No minimum spend required, no point thresholds, no redemption forms to complete. Excluded categories include electronics, computers, smartphones, TVs, and gaming.

Partner network · Tiers & status · Point expiry policy

	anb rewards	Jarir Bookstore
Number of partners	0	0
Partners	—	—
Number of tiers	0	0
Top tier	—	—
First-tier qualification	—	—
Point expiry	12 months	—

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