ICSAB+
Saudi Alawwal Bank
VS
Jarir Bookstore
ICSAB+ vs Jarir Bookstore: which loyalty program wins?
We score ICSAB+ 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
ICSAB+ is best for Households paying SADAD and government bills, while Jarir Bookstore is best for Office supply, art, and book buyers.
Skip ICSAB+ if Heavy spenders on groceries, fuel, and restaurants, and skip Jarir Bookstore if Electronics-focused shoppers are excluded from the discount.
Overall rating
| ICSAB+ | Jarir Bookstore | |
|---|---|---|
| Overall rating | 3.6 / 5 | 3.3 / 5 |
| Earning | 4.0 / 5 | 2.0 / 5 |
| Redemption | 3.0 / 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
| ICSAB+ | Members earn ICSAB+ points across a wide range of activities: credit card spend (7.5–12.5 points per 100 SAR domestic, 10–15 points international, depending on card type), Mada debit card spend (0.5 points domestic, 1 point international per 100 SAR), digital banking registration and activity (10–40 points), paperless statement enrollment (10–20 points), ITM and e-Desk services (10 points each), AQSAT installment plans (10–30 points), IPO enrollment (20–40 points), and personal/home finance applications (100–200 points). Digital payment behavior boosts earnings: contactless +5%, digital wallet +10%, online purchases +15%, recurring digital payments +20%. | |
|---|---|---|
| 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
| ICSAB+ | Points redeem through six channels via SAB Mobile or SAB Online: Instant ICSAB+ Cash (1,000 points = 70 SAR, deposited to account or credit card instantly via app or within 3 working days, 200 SAR minimum), Pay with ICSAB+ for SADAD and government payments directly through SAB, E-vouchers at 150+ merchants (1,000 points = 100 SAR — the highest-value path), Online Travel (flights, hotels, car rentals booked directly through the ICSAB+ portal, 1,000-point minimum), Charitable donations to Ehsan or Joodeskan (500 points = 50 SAR, no upper limit), and Points Exchange transfers to airline, hotel, and telecom partner programs. Travel redemptions cannot be cancelled or refunded once confirmed. Most other redemptions are also non-refundable. Redemption requires accepting program T&Cs on first use | |
|---|---|---|
| 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
| ICSAB+ | Jarir Bookstore | |
|---|---|---|
| Number of partners | 0 | 0 |
| Partners | — | — |
| Number of tiers | 0 | 0 |
| Top tier | — | — |
| First-tier qualification | — | — |
| Point expiry | 12 months | — |