ِAjwaa Program

  • Ajwaa Program: It is a unique loyalty program that offers points to the customer against any purchase transaction using Ajwaa credit card.
  • Ajwaa Program Account: It is one unified account created by BAJ for customer who is holding Ajwaa credit card/ cards, the account reflects the points that customer accrued and can redeem, also the account includes any promotions offered by the bank. The membership number is auto generated by BAJ and will be embossed on the primary and supplementary cards for customer to use for any points inquiries.
  • Ajwaa Points: Means all points accrued by the customer for using Ajwaa credit card on purchase transaction, points balance is calculated based on the card type and the scheme.
  • Ajwaa Program Statement: Is a record of Ajwaa program account that customer can access through www.ajwaa.baj.com.sa, this statement includes the points outstanding balance, new accrued points, expired points, and more details. 
  • Ajwaa Program Website: Means the Bank website at www.ajwaa.baj.com.sa where customer can log in using username and password provided by BAJ to check his own points balance and redeem it for air ticket with any airlines, or for hotel booking, or for car rental, or to purchase a product, or to purchase a gift voucher, or to exchange points with other airlines / hotel loyalty programs, or to redeem points with cash.
  • Points Balance: Is the number of points that the customer accrues by using an Ajwaa credit card on purchase transaction, the balance appears in the monthly statement shows the net balance, the net balance is calculated by adding the net balance from the previous month to the new accrued points minus expired points, redeemed points, and cancelled points. The net points balance shown in the statement is the available balance to be redeemed. 
  • Redemptions: means using the points for any of travel or non travel redemption options available in the website, all redemptions are subject to BAJ terms and conditions which will be detailed in this document or other terms that BAJ may apply in the future.
  • Points Validity: Is the time duration where the points are valid for the customer to redeem, and the point validity calculation starts from the point accrual date.



Please follow the below instructions:

  • Step 1:

    Go to https://www.ajwaa.baj.com.sa and click the Register button. Enter your Ajwaa membership number and your mobile number that registered in the bank system, click on accepting program Terms and Conditions, and click on the CAPTCHA button, and then click on “Register”.

  • Step 2:

    You will receive SMS with a code on your mobile number registered in the bank system, enter this code and click on “Submit”.

  • Step 3:

    You will be asked to create your password. Password must be more than 6 characters including one uppercase letter, one special character and alphanumeric character and special character.

  • Step 4:

    A registration successful message will appear, and “Account Details” page will show with your account info, enter your email address in the email field then click on “Update”.

  • Step 5:

    Login again to your account to see your points balance and enjoy Ajwaa Program services.

  • Step 6:

    Go to “MY DASHBOARD” and click on “Passenger Profile”, then fill and save your passport details, also you can add and save any other passengers to the list.

  • Step 7:

    In “MY DASHBOARD” you also can add and save the delivery address you wish to use for shopping from Ajwaa catalog.

  • Customer accrues points on purchase transaction only using Ajwaa credit card. Cash withdrawal transactions, SADAD payment transactions, and cash transfer from credit card to current account will not qualify the customer to accrue points.
  • If customer returns the purchased item or cancelled the purchase transaction, the points accrued against that transaction will reversed.
  • Any charges on Ajwaa credit card including profit margin charges or balances transferred from another credit card or account will not accrue any points. 
  • Points will be calculated and credited to the customer points balance in the next working day after the transaction date, and the points net balance will appear in the statement.   
  • In case of any error in the points balance shown in the card monthly statement, customer must report the error to BAJ via the Call Center or by visiting any of BAJ branches within fourteen (14) days of the statement issuance date.
  • In case of any invalid transaction for which points have been accrued, any such points accrued shall be cancelled.
  • The Bank is unable to provide points for transactions performed using other payment method than Ajwaa credit card, as a result of the failure of any machine or system.   
  • Any accrued miles by supplementary cardholder will be added to the customer points balance who is holding the primary card.
  • Points will not be accrued on transactions that the bank believes, at its sole discretion, are related to business expenditure or out of pattern spending by the cardholder.
  • If the card is blocked by the Bank, then any points accrued prior to blocking can only be used when the card is unblocked.
  • Customer acknowledge that the use of Ajwaa credit card is for his / her own personal transactions, and any use of the card in any other transactions by the customer or by others will be considered as misuse for the card, and will give the right to the bank to cancel the card and / or will not allow the customer to accrue points or use any of Ajwaa privileges.
  • The accrued points will be rounded down and net points balance will not include decimal.

The below table shows the mies scheme based on the card type.

Card Type Program Details
Infinite SR. 1 Spend = 3 points.
Signature SR. 1 Spend = 3 points.
Platinum SR. 1 Spend = 2.5 points.


  • The points must be valid for redemption.
  • Only net points balance appears in in the monthly statement will be redeemable. 
  • There is no minimum number of points required to perform a redemption transaction, however a points balance of hundred thousand mile (100,000) is equivalent to a ticket worth of SR. 890.
  • In case of insufficient points balance for redemption, the customer can purchase extra points from Ajwaa website by using Ajwaa credit card which qualifies the customer to accrue new points against this transaction.
  • If the customer misses payment for 30+ days, he/she will be ineligible to accrue points for new purchase transactions, and the accrued points will be non-redeemable till the customer pays the full outstanding amount. 
  • If the customer misses payment for 90+ days, he/she will be ineligible to accrue points for new purchase transactions, and the accrued points will be cancelled. In case the customer ends up paying the full outstanding amount and the card is re-activated, the cancelled points balance will remain cancelled and will not be credited to the points membership account.
  • Accrued points are not transferable to others or to another Ajwaa primary cardholder.
  • If the card is closed either by the customer or the Bank, all accrued points will not be non-redeemable.
  • BAJ gives no warranty or guarantee to the quality, condition or suitability of any services, or benefits provided by the airline or the hotel or any other service provider that the customer has chosen to redeem the points 
  • BAJ shall not be liable or responsible for any loss or damage, or claims that the customer suffered as a result of using the points including but not limited to that caused by an airline or hotel or any other service provider that the customer has chosen to redeem the points
  • The redemption request will be processed according to the instructions conveyed by the user of the points membership account via Ajwaa website mentioned in clause 1.4.
  • If the customer requests to cancel the redemption transaction, the acceptance of the request is subject to the cancellation terms and conditions of the service provider, and the redeemed points in this case will be credited to the points membership account, a cancellation fee of SR. 150 will be charged to the customer for each air ticket or hotel booking plus any other cancellation fee determined by the services provider, all cancellation fees will be charged to the customer's Ajwaa credit card. 
  • Points redemptions are always subject to BAJ approval, BAJ terms and conditions, the availability of the points reward at the time of redemption, and any restrictions imposed by any supplier of the goods or services that the customer selects.
  • The customer acknowledges that once the air ticket is issued or the hotel reservation is confirmed, then the customer relationship is direct with the service provider and BAJ is not responsible for the services. Any enquiries or disputes should be addressed directly with the airline or the hotel that the customer selects.
  • Details of redemptions for air tickets or hotel reservation are sent to the customer's email address in BAJ records. If customer wishes to have them sent to a different email address, then he should update his email address in Ajwaa website prior performing the redemption. BAJ will not be responsible for any redemption of air ticket or hotel reservation cancellation sent to the wrong email address or returned as a result of customer's failure to update his email address information at the website.

You can apply for Ajwaa Credit Card through the following channels:

AlJazira Phone
AlJazira Online
Visit the nearest branch
Filling out Ajwaa Credit Card Application by selecting the desired card Ajwaa Credit Card click here
  • The bank reserves the right to change these terms & conditions from time to time and the customer will be notified 30 days prior the implementation via SMS or in the monthly statement or other communication channels. The changes are applicable starting from the date they are published, and in case of any conflict or disagreement about these Terms and Conditions, the dispute will be directed to the right judicial authority in the Kingdom of Saudi Arabia for a ruling.
  • The customer confirms that he has read carefully and understood and agreed with the details of terms and conditions of Ajwaa Credit Card Points detailed in this document.   
  • These terms and conditions are additional to the terms and conditions to the Terms and Conditions of "Ajwaa" Credit Card Agreement which regulates issuance of BAJ credit cards, and any other terms and conditions passed by BAJ from time to time regarding credit cards. In case of any conflict, Terms and Conditions of "Ajwaa" Credit Card Agreement will supersede Ajwaa Credit Card Points Terms and Conditions. 
  • The Arabic language is the authorized language in interpreting and executing this agreement. If there is any discrepancy between Arabic and English text, the Arabic text prevails.

Points Validity

  • All points accrued will expire after three (3) Gregorian years after the accrual date, and will be cancelled from the points membership account.2
  • The customer will be notified about the points validity through Ajwaa website prior the mile expiry date as per the bank rules.    
  • Expired points will be deducted from the points balance and cannot be reversed under any circumstances.
  • Upon cancellation or closing of Ajwaa credit card for any reason, the points membership account and the points balance will be immediately cancelled.
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