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 alrajhi bank products and services, or via our select partners, and redeem them at over 200 mokafaa merchants across the Kingdom.
mokafaa provides you with multiple options:
- Earn mokafaa points with alrajhi bank’s products and partners
- In-store Redemption via simply using your mobile number
- Points Exchange with other mokafaa partners such as AlFursan, flynas, and many more.
- Points transfer to your friends and family.
- Points donations to your favorite charity
Use your points as payment method with over 270 partners online and offline stores
Enjoy instant rewards and seamless shopping by redeeming your points on the spot!
Earn Mokafaa points effortlessly with every transaction
Enroll in the Mokafaa loyalty program and start earning points on all your banking activities, from credit card purchases to bill payments and transfers.
| Property Power 3rd Party -Digital channels | Up to 200,000 point per transaction |
| Mortgage Off-Plan Murabaha Single Disbursement only-Digital channels | Up to 1,000,000 point per transaction |
| Car Leasing Unified-Digital channels | Up to 50,000 point per transaction |
| BALOON REFINANCING-Digital channels | Up to 25,000 point per transaction |
| Watani 1-Digital channels | Up to 50,000 Points |
| Watani 2-Digital channels | Up to 50,000 Points |
| Watani 3-Digital channels | Up to 10,000 Points |
| Refinance-Digital channels | Up to 10,000 Points |
| Buyout-Digital channels | Up to 50,000 Points |
| Future Account | 1,000 Points |
| Open Gold Wallet | 1,000 Points |
Credit cards
Points can be earned for (non-commercial) use/spend on all mokafaa enabled cards based on the below table:
| Product | Local spend | International spend |
|---|---|---|
| Visa Tasawoq Low Limit | 1 | 2 |
| Visa Alfursan Low Limit | 1 | 2 |
| Classic Charge Card | 1 | 2 |
| Visa Platinum (Revolving + Charge) credit | 1 | 4 |
| Visa Signature (Revolving + Charge) credit | 3 | 5 |
| Visa Infinite (Revolving + Charge) credit | 3 | 5 |
| Visa Black (Revolving + Charge) credit | 4 | 6 |
Member will earn 1 point for every § 1 spent using the eligible cards for mokafaa points for the following transactions:
| Transaction Type | Earn points for every § 1 spend local and international | Maximum earning points per Transaction | |
|---|---|---|---|
| Local | International | ||
| Sale of new and used cars and motorcycles, and its maintenance services | 1 point | 1 point | 100,000 Points |
| Government Payments | 1 point | 1 point | 300 Points |
| Utility Bills | 1 point | 1 point | 300 Points |
| Gas/Fuel stations | 0 point | 1 point | 100 Points |
| Telecom | 1 point | 1 point | Without limit |
| Educational institutions | 1 point | 1 point | Without limit |
| Public transport services (buses/trains/ferries/ships, etc.) | 1 point | 1 point | Without limit |
| Real estate office payments | 1 point | 1 point | Without limit |
| Fast Food Restaurants | 1 point | Based on the card type | No Cap |
| Variety Stores | 1 point | Based on the card type | No Cap |
| Candy, Nut and Confectionery Stores | 1 point | Based on the card type | No Cap |
| Women's Ready-To-Wear Stores | 1 point | Based on the card type | No Cap |
| Family Clothing Stores | 1 point | Based on the card type | No Cap |
| Gift, Card, Novelty and Souvenir Shops | 1 point | Based on the card type | No Cap |
| Automobile Rental Agency | 1 point | Based on the card type | No Cap |
| Grocery Stores and Supermarkets ** | 2 point | Based on the card type | No Cap |
| Eating Places and Restaurants ** | 2 point | Based on the card type | No Cap |
| Cosmetic Stores ** | 2 point | Based on the card type | No Cap |
**For low limit/prepaid card and platinum card it will remain as 1 point per § 1 for these categories.
-Alrajhi Reward Points will not be earned through the following transactions:
1-Any fee and charges
2-Balance transfer
3-Disputed transactions
4-Cash withdrawals and balance transfers.
5-SADAD & wallet payments made through alrajhi Bank online and/or by utilizing any other payment channel provided by alrajhi Bank as per existing loyalty functionality
6-Transactions that alrajhi bank decides are disputed, erroneous, unauthorized, illegal and/or fraudulent
7-Charity
8-Transportation Services (Not Elsewhere Classified)
9-Miscellaneous Food Stores – Convenience Stores and Specialty Markets
10-Taxicabs and Limousines
11-Transactions intended for business purposes/commercial use/spend.
"business purposes" shall refer to any transactions made using an alrajhi bank retail credit or prepaid card that are directly related to the operation of a business or commercial enterprise. This includes, but is not limited to, the following:
a. Purchases of goods or services intended for resale or commercial use.
b. Transactions related to the payment of business expenses.
c. Any expenditures that are claimed as tax-deductible business expenses or that are reimbursed by an employer or business entity.
d. Transactions made in the course of providing services or products to clients or customers.
-The customer will earn reward points based on the earning rate applicable on the transaction settlement date
-If the card is canceled or suspended due to failure to pay any due amounts, the bank may revoke eligibility for points/Welcome points, including uncredited earned points.
Terms & Conditions Apply (Refer to detailed (mokafaa T&Cs)
Earn Mokafaa points through Alrajhi App
| Purchases and Payments | ||
|---|---|---|
| Marketplace Purchase | 1 Point for every §5 spent on ARB Marketplace | |
| SADAD Bills | 25 Points per bill | |
| SADAD Bills CC | 25 Points per bill payment via credit card | |
| Gold Purchase | 25 Points per gram | |
| Gold Sell | 25 Points per gram | |
Terms & Conditions Apply (Refer to detailed mokafaa T&Cs)
Frequently Asked Questions:
Get answers to the most frequently asked questions about our service.