Alawwal Qitaf Credit Card (Islamic World and Titanium)

Enjoy more STC Qitaf points and exclusive benefits along with many features to make your card usage highly rewarding.

With your Alawwal Qitaf Credit Card, you’ll enjoy:

No Annual Fee for 1st year*****
Upgrade to Tamayouz Gold ***
Shariah Compliant Islamic Card
Free access to 750+ airport lounges for World
Anniversary Bonus of 1,500 Qitaf Points at the end of each year, provided that your card is active and in use *
Free access to 10+ airport lounges in the Middle East for Titanium
Approved by Shariah Board

Earn More Qitaf Points every time you spend on your card

	Alawwal Qitaf World	Alawwal Qitaf Titanium
International Spend	1 Qitaf point for every SR 7 spent	1 Qitaf point for every SR 10 spent
Local Spend	1 Qitaf point for every SR 20 spent	1 Qitaf point for every SR 20 spent

Note: Qitaf points are awarded for spend on card at POS and online transactions. Cash withdrawals and SADAD payments are not included.

* 1,500 points for Qitaf World and 500 for Qitaf Titanium (no Anniversary Bonus for Titanium Low Limit Card).
** 2,500 points for Qitaf World and 875 points for Qitaf Titanium. Upon spend of SAR 5,000 within first 3 months.
*** Tamayuz membership is activated upon spend of SR 5,000 within first 3 months. Tamayuz membership includes Free Data/Minutes, Discounts & Priority Service. (Valid for One year only, and is subject to the Qitaf Terms & Conditions).
***** No annual fee ever for our Priority, Preferred and Private Banking customers

And all Alawwal credit cards offer you:

Award winning E-Banking Channels (Internet Banking, Mobile App, IVR)
Worldwide acceptance at millions of merchants worldwide
Option to pay your purchases in installments over 3, 6, 12, and up to 60 months
Free supplementary cards for family members
Secure online shopping, smart chip, and instant SMS notification
Cash on Demand by transferring from your card to your account with a call or online*
Easy bills payments through SADAD
Great discounts and offers from your favorite brands.

Check our latest Dining and MasterCard offers.

* Up to 30% of your credit card limit

Special discounts of up to 15% at luxury serviced apartments
World Privileged Access Program (exclusive offers on hotels, restaurants, and more). “MasterCard For You mobile app, Buy 1 Get 1 mobile app”
Travel accident insurance **
Trip inconvenience protection **
Travel medical benefits **
Luggage protection **
Extended warranty **
Purchase protection **

** The terms of the insurance coverage provided will be as per the terms and conditions of MasterCard’s agreement with its third party service provider, and may change from time to time.

ABOUT QITAF: A program to show gratitude for your loyalty as an STC customer. You can subscribe to Qitaf for free and start collecting points by simply paying your bills.

REDEEM POINTS: You can redeem your Qitaf Points for a variety of STC products such as: minutes, SMS, and Data. You can also redeem your points through Qitaf external partner network of 150 brands at over 3,500 partner outlets.

For further information about Qitaf Program:

Visit STC website http://www.stc.com.sa/wps/wcm/connect/english/loyaltyPrograms/qitaf-programs
Call 900 from your STC number

Frequently Asked Questions

Who is eligible for this Card?

The card is available to all Alawwal account holders as well as non Alawwal account holders. If you do not have an STC mobile number, you can apply for the card, but you will not be able to earn Qitaf loyalty points until you provide the bank with a valid STC mobile number. STC enterprise customers (EBN) can also apply for the card, however, they will not benefit from the Qitaf points till they are EBN.

How can I apply for the card?

You can apply from any of the following:

Apply online from the Alawwal website or through our mobile app
Call our 24-hour contact center at 8001242525
Visit your nearest Alawwal branch

How can I activate my card?

You can activate your card from any of the following:

Alawwal Online or Alawwal Mobile
Alawwal automated Phone Banking by calling 8001243000
Talk to one of our call center agents at 8001243000

How will I get my PIN?

You can change your PIN 24 hours after activating your card through Alawwal Online or Mobile or Phone Banking. And if you haven’t changed your PIN, we will send you the card PIN in a sealed envelope by courier.

How will I receive my card?

Once the card is approved, it will be delivered to you through courier within 5 working days.

How can I use my card at merchant outlets?

You can present your card for payment and the merchant will enter the card in the POS machine and ask you to enter your PIN (make sure you don’t expose your PIN while entering it).

How can I use my card online?

Simply follow the instructions on the website while making your purchase. You will be asked to enter your card details. Online transactions on your Alawwal Qitaf Card are secured through MasterCard SecureCode. The first time you make a payment online, you will be asked to register for MasterCard SecureCode and select a password of your choice. Going forward, you will be able to complete all transactions by simply entering this password.

How can I pay the card dues?

You can pay through Alawwal Online and Alawwal Mobile app. You can also pay from your other bank’s account through SADAD using the account number mentioned in your Qitaf card e-statement and the SMS you will receive on every statement date.

How will I receive my statement?

We will send your card electronic statement to your email address (which you provided on your card application). You will also receive an SMS every month once your statement is ready. The SMS will contain important details such as payment amount, payment date and account number where you can transfer payments. You can also access your statement anytime through Alawwal Online.

Do I have to enroll in Qitaf program to earn points and is it free?

The Qitaf program is free of charge and all Alawwal Qitaf Cardholders will be enrolled automatically once they spend on their card and are eligible as per Qitaf Terms & Conditions. The customer will not be charged any direct or indirect amounts to his Alawwal Qitaf card or Qitaf account through the program operations and management.

How can I earn Qitaf points using the card?

Every time you spend on your Alawwal Qitaf Credit Card you will earn points which will be added to your STC Qitaf account automatically. The more you spend on your card, the more points you will earn.

Points you earn on World Qitaf Credit Card:

1 Qitaf Point for every SR 20 spent locally
1 Qitaf Point for every SR 7 spent internationally

Points you earn on Titanium Credit Card:

1 Qitaf Point for every SR 20 spent locally
1 Qitaf Point for every SR 10 spent internationally

Points you earn on Titanium Low Limit Card:

1 Qitaf Point for every SR 30 spent locally
1 Qitaf Point for every SR 20 spent internationally

Will I earn points for Cash Withdrawals, SADAD Payments and Balance Transfers?

No, there are no points awarded for cash withdrawals, SADAD payments & balance transfers. Qitaf points are only earned for spend on the card at outlets. Purchases on websites and MOTO (mail order/telephone order) are also included.

Will I earn Qitaf points if I don’t have an STC number?

No. Qitaf points can only be earned and transferred to STC’s Qitaf program if you have a valid STC number that is active and eligible as per Qitaf Terms and Conditions. STC enterprise customers (EBN) will not benefit from the Qitaf points on their EBN number.

Will I earn points on supplementary cards?

Yes, all spend on the Alawwal Qitaf card at POS and online will earn you Qitaf points

Which number will I earn Qitaf points on?

You will earn Qitaf points on the STC number you have provided to us for Qitaf points calculation. This may be different from the contact number your have provided to the bank for correspondence.

What can I use Qitaf points for?

Qitaf points can be redeemed as follows:

Free SMS (100 pts = 120 SMS)
Free Talk time (100 pts = SR 90 worth of talk time)
Free Data (500 pts = 5GB Data)
Transfer to Saudia Alfursan Program
Redemptions at over 150 partner brands in 3,500+ outlets in KSA
Redemptions on Booking.com, Souq.com, Flyin.com and Careem App

More about Qitaf Program on http://www.stc.com.sa/wps/wcm/connect/english/loyaltyPrograms/qitaf-programs

How can I redeem Qitaf points at the partner stores?

To redeem the earned points at any Qitaf Partner store, just enter your mobile number through the device at the store and you will receive a temporary one-time confidential code for the transaction. Please visit the Qitaf page on the STC website for more details

How can I see my Qitaf points balance?

You can login to your Alawwal account and see the collected points that we transferred to your STC Qitaf for the previous month.

You can also call 900 or send SMS with 9933 to 900 for help with Qitaf (Registration, Inquiry, Benefits) or visit STC’s website at http://my.stc.com.sa and/or use My STC mobile app.

When will I see my Qitaf points balance?

The Qitaf points will be calculated on each statement date and transferred to STC’s Qitaf program within 5 days.

When will the Qitaf points that I earn be credited to my Qitaf account?

All Qitaf points earned by using your Alawwal Qitaf Credit Card will be transferred to your Qitaf account with STC within 5 days after your Credit Card billing statement date.

How long are the Qitaf points valid for?

Points are valid for 12 months. In case of any changes, Qitaf Terms & Conditions will apply.

What is my statement date?

You can check the date on your Alawwal Qitaf Card statement.

Can I provide a separate number for bank communication?

Yes, you can provide a separate number for Qitaf points earning and a separate number for communication with the bank.

What is Tamayouz?

As a Tamayouz Gold customer, you will receive a bundle of benefits and discounts on your number. You will also get priority at STC outlets and STC call center. In addition to the above, you can manage your discounts as per your needs by logging in to MySTC website and/or by dialing 900 from your mobile.

For more details kindly visit: http://www.stc.com.sa/wps/wcm/connect/english/loyaltyPrograms/tamayouz/

How will I get the Tamayouz status?

You’ll get the Tamayouz status when you spend SR 5,000 on your Alawwal Qitaf World card or SR 2500 on your Alawwal Qitaf Titanium card.

How can I upgrade my existing Alawwal credit card to the Alawwal Qitaf Card?

Simply visit any Alawwal branch and fill out the Alawwal Qitaf credit card Application form. You will also need to provide a written request saying that you want to cancel your current credit card and upgrade to Alawwal Qitaf credit card.

Please note that Qitaf points program is offered and managed by STC and is subject to the Qitaf terms & conditions. Alawwal Bank does not control this process.
Terms and conditions apply.

Terms & Conditions of Alawwal Qitaf Credit Card