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 such as:

  1. Earn mokafaa points with ARB products and mokafaa partners
  2. In-store Redemption via simply using your mobile number
  3. Points Exchange with other mokafaa partners such as AlFursan, flynas, and many more.
  4. Points transfer to your friends and family
  5. Points donations to your favorite charity

Banking Products

Financing Products Through App

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


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

Marketplace Purchase Through ARB App

Marketplace Purchase through ARB app  
Marketplace Purchase 1 Point for every 5 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

Takaful Insurance  
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

Urpay Digital Wallet

Marketplace Purchase through Urpay 1 Point for every 3 SAR spent on Urpay Marketplace

Loyalty Partners