Earning Opportunities Discover all the ways you can earn rewards points, from welcome bonuses to monthly balance rewards. Segment / ActivityPoints EarnedFrequencyPoints CreditedPrivate Segment Welcome Bonus10,000One-time onlyWithin 4 daysPlatinum Segment Welcome Bonus5,000One-time onlyWithin 4 daysGold Segment Welcome Bonus2,500One-time onlyWithin 4 daysSilver Segment Welcome Bonus1,000One-time onlyWithin 4 daysUpgrade to Private Segment100,000One-time onlyWithin 3 days of next monthUpgrade to Platinum Segment50,000One-time onlyWithin 3 days of next monthUpgrade to Gold Segment30,000One-time onlyWithin 3 days of next monthSalary Account Transfer 5,000One-time onlyWithin 4 daysAverage Monthly Balance0.0042 x balanceMonthly (applicable to Gold, Platinum, and Private only)By the 10th of each monthBirthday Bonus (Private)5,000AnnualWithin 24 hours of birthdayBirthday Bonus (Gold & Platinum)2,000AnnualWithin 24 hours of birthday Credit Card Transactions Visa Platinum Visa Signature Visa Infinite Visa Infinite Privilege Easy Shopping Cash Withdrawals (Outside KSA) Points Earned (for every $1 spent) 1 1 1 1 1 Purchases in KSA and GCC Points Earned (for every $1 spent) 0.5 1 1.5 2 1 Purchases in Europe and UK Points Earned (for every $1 spent) 1 1 1 1 1 Purchases in Other Countries Points Earned (for every $1 spent) 1.5 2 2.5 3 1 Visa Platinum Points Earned (for every $1 spent) Cash Withdrawals (Outside KSA) 1 Purchases in KSA and GCC 0.5 Purchases in Europe and UK 1 Purchases in Other Countries 1.5 Visa Signature Points Earned (for every $1 spent) Cash Withdrawals (Outside KSA) 1 Purchases in KSA and GCC 1 Purchases in Europe and UK 1 Purchases in Other Countries 2 Visa Infinite Points Earned (for every $1 spent) Cash Withdrawals (Outside KSA) 1 Purchases in KSA and GCC 1.5 Purchases in Europe and UK 1 Purchases in Other Countries 2.5 Visa Infinite Privilege Points Earned (for every $1 spent) Cash Withdrawals (Outside KSA) 1 Purchases in KSA and GCC 2 Purchases in Europe and UK 1 Purchases in Other Countries 3 Easy Shopping Points Earned (for every $1 spent) Cash Withdrawals (Outside KSA) 1 Purchases in KSA and GCC 1 Purchases in Europe and UK 1 Purchases in Other Countries 1 Points are credited by the 14th of each month, with no limits on the number of points you can earn. No Rewards points are awarded on Credit Card transactions related to SADAD and bill payments via Digital Banking or ATMs, or on transactions used to fund digital wallets. Financing Products Personal Finance Earn 50,000 points after completing 5 transactions for the same loans Home Finance Earn 100,000 points after completing 5 transactions for the same loans Rewards points are credited within 10–14 business days after disbursement.Points are capped at 5 applications per financing type. SADAD Payments Payment Channel / ActivityPoints EarnedFrequencySIB Phone Banking / Bill payment through SADADUp to 200 One time for each bill per monthSIB ATM / Bill payment through SADADUp to 100 One time for each bill per monthRetail App or Online Banking / Bill payment through SADADUp to 300 One time for each bill per monthSIB Phone Banking / MOI fee payment through SADAD200Per payment (no limit)ATM / MOI fee payment through SADAD100Per payment (no limit)Retail App or Online Banking / MOI fee payment through SADAD300Per payment (no limit) Points are calculated monthly and credited to your account within 4 days. Start your journey with our Rewards ProgramJoin in just a few easy stepsLog in to Retail App or Retail OnlineGo to the Loyalty tabReview and accept the Terms & ConditionsStart earning rewards points instantly Log In Open An Account We’re Always Within Reach Stay connected to your banking, through our customer care team, digital channels, and branches everywhere. Customer Care Submit inquiries, raise complaints, and access support anytime. /customer-care Branches & ATMs Easily locate branches and ATMs wherever you are. E-Banking Services Bank smarter and faster with our secure digital platforms. /personal/e-banking-services
Visa Platinum Points Earned (for every $1 spent) Cash Withdrawals (Outside KSA) 1 Purchases in KSA and GCC 0.5 Purchases in Europe and UK 1 Purchases in Other Countries 1.5
Visa Signature Points Earned (for every $1 spent) Cash Withdrawals (Outside KSA) 1 Purchases in KSA and GCC 1 Purchases in Europe and UK 1 Purchases in Other Countries 2
Visa Infinite Points Earned (for every $1 spent) Cash Withdrawals (Outside KSA) 1 Purchases in KSA and GCC 1.5 Purchases in Europe and UK 1 Purchases in Other Countries 2.5
Visa Infinite Privilege Points Earned (for every $1 spent) Cash Withdrawals (Outside KSA) 1 Purchases in KSA and GCC 2 Purchases in Europe and UK 1 Purchases in Other Countries 3
Easy Shopping Points Earned (for every $1 spent) Cash Withdrawals (Outside KSA) 1 Purchases in KSA and GCC 1 Purchases in Europe and UK 1 Purchases in Other Countries 1