welcome to the world of mokafaa!

mokafaa is a unique loyalty program that has specifically been designed with keeping YOU in mind. We value your patronage with us, which is why mokafaa loyalty provides an enriched & rewarding loyalty experience across the Kingdom. Simply earn mokafaa points through Al Rajhi bank products and services and redeem them at over 170 mokafaa merchants across Saudi Arabia.

Mokafaa loyalty provides you with multiple redemption options such as

In-store Redemption


Points Exchange with other mokafaa partners

Points transfer to your friends and family

Points donations to your favorite charity

How to make an in-store redemption

Financing Products through App

Property Power 3rd Party -Digital channels 120k point per transaction                                
Mortgage Off-Plan Murabaha Single Disbursement only-Digital channels 600k point per transaction
Car Leasing Unified-Digital channels 30k point per transaction
 BALOON REFINANCING-Digital channels 15k point per transaction
 Watani 1-Digital channels  30,000 Points
 Watani 2-Digital channels  30,000 Points
 Watani 3-Digital channels  6,000 Points
 Refinance-Digital channels  6,000 Points
 Buyout-Digital channels  30,000 Points
 Real Estate - Murabah  100K point per transaction
 PROPERTY POWER   100K point per transaction
 RE SELF CONSTRUCTION MURABAHA NO REDF  100K point per transaction
 Property Power 3rd Party  100K point per transaction
 MORTGAGE REFINANCING   100K point per transaction


Accounts opening through App
Future Account 1,000 Points
Open Gold Wallet 1,000 Points 


Cards via App
Apply for Digital card  1,000 Points
Apply for Travel plus  1,000 Points
Apply for Murabaha credit card  2,000 Points
Apply for prepaid card (Tasawq)  1,000 Points
 Activate Card  100 Points
 VISA SIGNATURE  75.000 welcome points
 Visa Platinum  25.000 welcome points
 Visa Infinite Revolving  150.000 welcome points
 VISA SELECTIVE  75.000 welcome points


International Remittance through the app- for every remittance
Bank to Bank/H2H 500 Points         
Cash to Cash 250 Points


Marketplace Purchase through ARB app - for every 3 SAR
Marketplace Purchase                 1 Point for every 3 SAR spent on ARB Marketplace

Bill Payment

Bill Payment Through App
SADAD Bills          25 Points per Bill
SADAD Bills  25 Points bill payment via Credit card
Split Bills  5 points per transaction

Buy/Sell Gold

Asset Type Monthly Repayment Amount
Sell Gold/Gram  25 Points
Buy Gold/Gram  25 Points

ARB Group

EMKAN - Personal Financing 10,000 points
EMKAN - Top Up  50,000 points
EMKAN -Pay On Time Reward 500 points
EMKAN -Pay On Time For 6 months Reward 500 points
 Takaful-Motor Wafi Smart  1 SAR = 5 pts
 Takaful-Motor Comprehensive  1 SAR = 5 pts                                                      
 Takaful-Travel  1 SAR = 12.5pts
 Takaful-Islamic life  1 SAR = 7.5pts
 Takaful-Motor TPL  1 SAR = 2.5pts

Loyalty Partners