Pearls Points Program

Travel with us beyond the horizon!

Pearl Rewards offer customers the freedom to choose among three different airlines as well as other rewards .

Features

Get instant Pearl discounts at more than 100 stores in Kuwait.
Pearl Points can be redeemed for free tickets from the airline of your choice or a free hotel stay at any time of the year.

The monthly credit card statement shows the number of collected Pearl Points, which makes it easy for you to keep track.
For each 1KD you will get up to (6 points) when using your AUB Credit Cards.

Requirements

To be a holder of an Ahli United Bank card

Program Rules

Cardholders earn Pearl points on local and international purchases on POS or through e-commerce (internet transactions).
Cash withdrawal transactions are excluded from the program (i.e. customers do not accumulate any points when using their cards to withdraw cash).
The accrued points are automatically credited to customer card account.
The accrued points can be exchanged to airline miles with Kuwait Airways, Qatar Airways or Gulf Air to use under the terms and conditions of each of these airline companies.
Each pearl point is equivalent to 1 airline mile.
The accrued pearl points can be either exchanged for: (1) Cashback Rewards; or (2) Airline miles with Kuwait Airways, Qatar Airways or Gulf Airways subject to the terms and conditions applicable by the aforesaid airlines.
For the purpose of calculating the awarded airline miles, each pearl point is equivalent to 1 airline mile with the participated airlines.
For the purpose of calculating Cashback Rewards, each pearl points is equivalent to 0.0025 fils
The minimum amount for pearl points cashback Redemption is KD 10 (Kuwaiti Dinar ten).
Points can be redeemed partially to one or more of the above mentioned airline companies.
Cardholders will be informed with the accumulated points earned via monthly credit card statements and monthly bulk notification SMS with all earned points.
Once the accrued points have been converted into a participating airlines’ frequent flyer program, the points cannot be converted back into cardholder’s program account.
The balance of the pearl points shall be transferred to miles upon request by the customer calling Hayakom 1812000
Upon Credit Card Renewal or Replacement, the customer’s accrued Pearl points are automatically transferred to the Renewed/Replaced AUB Credit Card.
If customer cancels their AUB Credit/Prepaid Card, they will have 30 days from the date of Card cancellation to redeem the earned points by calling Hayakom 1812000, otherwise, the accumulated points will be purged.
If customer is delinquent for more than 90 days, he will not be able to redeem his/her points till the full amount is settled.
Bank reserves the right to terminate the program at any time, or to change the program Rules; including accrual point calculation/earnings.

Points Calculation criteria

Cardholders are granted Pearl points with every 1 KD they spend on their Credit/Prepaid card as per the following schedule:

MasterCard Cards
Card Type	Number of points earned Locally	Number of points Internationally
Cyber Card	3	3
Beizat Prepaid	3	3
Classic/Platinum Select	2	2
Gold/Platinum Superior	2	3
Platinum	3	4
World	3	5
Visa Cards
Card Type	Number of points earned Locally	Number of points Internationally
Classic	3	3
Gold	3	3
Platinum	3	4
Infinite	4	6