Terms and Conditions:

• The offer is valid from 15 November to 28 November 2026.
• Upon redeeming WooW loyalty points for Qitaf points, the customer will receive an extra 100% on Qitaf points.
• The only available redemption category is 6,000 WooW loyalty points for 50 Qitaf points.
• The offer applies to all new and existing customers of The Saudi Investment Bank.
• There is no maximum limit to the number of times this offer can be utilized, as the offer applies to all redemption transactions made during the offer period.
• The additional Qitaf points will be added to the customer’s Qitaf account within one business day from the date of successfully completing the redemption request, unless prevented by a technical or operational impediment beyond the Bank’s control, or due to regulatory or supervisory requirements; in such case, the points will be added as soon as possible after the cause of the impediment has ceased.
• The customer must be a member of both the WooW Loyalty Program by The Saudi Investment Bank and Qitaf program by STC.
• The customer bears the responsibility of entering his correct mobile number registered with Qitaf, and the Bank bears no responsibility for any errors in this regard.
• In the event the customer faces any issues during redemption, the WooW loyalty points will be automatically reversed, and the customer can try again.
• To view the earned points, please refer to your points statement in your Qitaf account.
• The Saudi Investment Bank and STC bear no responsibility for:
  • Any incorrect or inaccurate information, whether caused by members, typographical errors, or any equipment or programming associated with or utilized in the transaction.
  • Any technical deficiency in the members' devices, versions, applications, or browsers.
  • Any technical failures, including malfunctions, interruptions, or disconnections in telephone lines or network hardware or software.
  • Any loss or damage arising directly from unauthorized human intervention in the offer systems or its execution mechanism, whenever such intervention is beyond the Bank’s control.
• In the event of any conflict or discrepancy between the Arabic and English texts of these Terms and Conditions, the Arabic text alone shall prevail.
• The Saudi Investment Bank reserves the right to amend / stop the campaign offer at any point of time and such changes will be announced. These changes (amendment /stopping) will apply to new customers only who avail the offer post changes if any. However, all customers who have already availed the offer will not be impacted by the changes.
• The Saudi Investment Bank reserves the right, at its absolute discretion, to disqualify any individual it finds to be misconducting, tampering with the offer process, or to be acting in violation of these Terms and Conditions.
• These Terms and Conditions are subject to the laws and regulations of the Kingdom of Saudi Arabia.