Saudi Arabia Loyalty Market Size & Forecast by Spend Value Across 100+ KPIs by Program Type, Channel Mix, Sector, Embedded Loyalty Penetration, and Platform Spend Segmentation - Databook Q2 2026 Update

The loyalty market in Saudi Arabia is expected to grow by 14.7% annually, reaching US$533.1 million by 2026.

The loyalty market in the country has experienced robust growth during 2021-2025, achieving a CAGR of 15.6%. This upward trajectory is expected to continue, with the market forecast to grow at a CAGR of 14.3% from 2026 to 2030. By the end of 2030, the loyalty market is projected to expand from its 2025 value of US$464.7 million to approximately US$909.0 million.

Key Trends and Drivers

Payment-linked loyalty is moving deeper into wallets, bank apps, and card ecosystems

• Saudi Arabia’s loyalty market is becoming more payment-linked, with banks and digital wallets using rewards, cashback, gamified offers, and app-based personalisation to make payment instruments stickier. This is a recent intensification rather than a new concept: Riyad Bank’s 2024 annual report states that its redesigned mobile app included an updated Hassad loyalty program, while urpay is promoting a cashback game tied to Visa Platinum spending behaviour. The shift is from standalone rewards catalogues toward embedded rewards inside the payment journey.
• The main driver is the rapid normalisation of electronic payments in everyday retail. SAMA announced in April 2026 that electronic payments accounted for 85% of total retail payments in 2025, up from 79% in 2024, with electronic transactions reaching 14.6 billion. This gives banks, card issuers, wallets, and merchants a wider base of transaction-level engagement opportunities, making loyalty less dependent on physical cards and more dependent on mobile-led spending behaviour.
• This trend is likely to intensify as banks and wallets compete on daily-use frequency rather than only account ownership. Loyalty platforms will become more closely tied to card lifecycle campaigns, wallet usage, merchant-funded offers, and customer analytics. The competitive advantage will shift toward providers that can personalise offers across app, card, wallet, and merchant touchpoints while maintaining compliance with Saudi data protection requirements.

Airline loyalty is expanding into everyday retail and hospitality partnerships

• Saudi AlFursan is extending beyond flight-based loyalty into a broader lifestyle and everyday-spend ecosystem. Recent partnerships show this clearly: AlFursan linked with Al-Dawaa’s ARBAHI program in 2025 to allow point conversion into reward miles, partnered with Accor’s ALL loyalty program at Arabian Travel Market 2025, and partnered with Adeera to expand hotel-related benefits. This marks a shift from traditional airline loyalty toward coalition-style utility across travel, hospitality, pharmacy, and retail.
• The driver is Saudi Arabia’s travel and tourism expansion under Vision 2030, combined with the need to keep loyalty members engaged between flights. The U.S. International Trade Administration’s 2026 Saudi Arabia Country Commercial Guide notes that travel, tourism, and entertainment remain priority sectors and that Saudi Arabia has raised its ambition to 150 million annual visitors by 2030. As travel demand broadens, loyalty programs are using partnerships to capture more moments across accommodation, daily retail, and destination spending.
• The trend is likely to intensify as Saudi Arabia prepares for larger tourism, events, pilgrimage, and hospitality flows. Airline loyalty programs will increasingly act as partnership platforms rather than only mileage schemes. This will raise the value of transferable points, co-branded cards, hotel alliances, and retail partnerships, while also increasing competition between airline, bank, hotel, and retailer ecosystems for the same high-frequency customer relationships.

Subscription loyalty is becoming a retention tool in e-commerce and daily services

• Subscription-based loyalty is gaining relevance in Saudi Arabia as e-commerce and service platforms use paid membership benefits to defend frequency and reduce customer switching. noon One in Saudi Arabia offers free delivery across noon, noon Food, and noon Minutes, while Amazon Saudi Arabia continues to position Prime around recurring monthly membership benefits. These models are different from points-led loyalty because they ask customers to pre-commit to an ecosystem in exchange for delivery, access, and convenience benefits.
• The driver is the rising cost of retaining digital shoppers in a market where online retail, food delivery, quick commerce, and marketplace formats overlap. Subscription benefits help platforms convert episodic shoppers into habitual users by tying value to repeat use. Financial institutions are also attaching loyalty value to these subscriptions; for example, SNB’s 2026 Amazon Prime offer gives eligible cardholders a Prime subscription offer, linking card usage with a retail membership benefit.
• This trend is likely to intensify but remain concentrated among platforms with enough service breadth to justify a paid membership. Loyalty propositions will increasingly combine free delivery, card-linked offers, exclusive deals, and service bundles. Smaller retailers may respond through partnerships with banks, wallets, aggregators, or marketplace platforms instead of building paid loyalty programs independently.

Privacy and consent requirements are reshaping personalisation-led loyalty

• Saudi loyalty programs are becoming more data-driven, but personalisation is now developing under tighter privacy and consent expectations. The Personal Data Protection Law and its implementing regulations require stronger controls around personal data processing, including consent and direct marketing practices. For loyalty operators, this changes how customer profiles, app behaviour, transaction history, location signals, and targeted offers can be used.
• The driver is the combination of loyalty digitisation and Saudi Arabia’s maturing data governance environment. As banks, retailers, airlines, wallets, and e-commerce platforms collect more first-party data, they need clearer consent journeys, privacy notices, opt-out processes, and data retention controls. A 2026 academic review of Saudi e-commerce privacy practices found gaps in how many websites disclosed required privacy-policy elements, indicating that compliance maturity remains uneven across digital commerce operators.
• This trend is likely to intensify as loyalty programs rely more on customer analytics, AI-based segmentation, and personalised offers. Larger banks, airlines, retailers, and digital platforms will be better positioned to invest in compliant consent management and secure data infrastructure, while smaller operators may depend more on third-party loyalty technology providers. Over time, trust, transparency, and permission-based personalisation will become part of loyalty competitiveness, not only a compliance requirement.

Competitive Landscape

Competition is expected to intensify over the next 2-4 years as loyalty becomes tied to payment behaviour, tourism flows, digital commerce retention, and first-party customer insight. Banks and wallets are likely to compete through card-linked rewards and merchant-funded offers; airline and hotel ecosystems will deepen partnerships as tourism expands; and retailers will use app-based rewards to defend customer frequency. However, personalisation-led loyalty will also face higher compliance expectations under Saudi Arabia’s Personal Data Protection Law, making consent management and customer trust more important competitive differentiators.

Current State of the Market

• Saudi Arabia’s loyalty market is becoming more competitive as banks, airlines, retailers, malls, pharmacies, e-commerce platforms, and wallets compete for recurring customer engagement. The market is no longer led by one category: bank-led rewards are strengthening through card and app ecosystems, airline loyalty is expanding into retail and hospitality partnerships, and retailer-led programs are moving into app-based offers and points redemption. The shift is being reinforced by the continued rise of electronic payments, with SAMA reporting that e-payments accounted for 85% of total retail payments in 2025, up from 79% in 2024.

Key Players and New Entrants

• Key loyalty competitors include Riyad Bank’s Hassad program, SNB card-linked offers, Saudia’s AlFursan, Al-Dawaa’s ARBAHI, Tamimi Markets’ Themari, Jarir Discount Card, Cenomi Rewards / Cenomi Plus, Amazon Prime, noon One, and digital wallet-linked rewards such as urpay. Competition is increasingly ecosystem-based: banks bring payment frequency, airlines bring travel aspiration and partner miles, retailers bring store-level transaction behaviour, and e-commerce platforms use subscriptions and delivery benefits to lock in repeat usage.

Recent Launches, Partnerships, Mergers, and Acquisitions

• Recent competitive activity is concentrated around partnerships rather than M&A. Saudia’s AlFursan signed partnerships with Accor’s ALL program, Adeera, and Al-Dawaa’s ARBAHI program, expanding the airline program into hotels, hospitality, and pharmacy-linked rewards. Al-Dawaa’s H1 2025 investor presentation also notes that ARBAHI loyalty added more than 350,000 new members in Q2 2025, showing that pharmacy loyalty is becoming a more active competitive segment. Cenomi Centres also partnered with Visa to use Visa Loyalty Merchant Solutions and Visa Flexible Credential for mall-linked loyalty and VIP rewards.

This report provides a detailed data-centric analysis of the loyalty industry in Saudi Arabia, offering comprehensive coverage of loyalty schemes, loyalty platforms, program structures, and market dynamics. It covers more than 100 KPIs, including loyalty spend value, breakage rate, penetration rate, program segmentation, and channel-level adoption.

The report provides in-depth segmentation across the loyalty ecosystem, capturing loyalty spend value and breaking it down by core market dimensions. It classifies loyalty activity by program models (such as points, cashback, tiered, subscription, coalition, and gamified formats), membership structures, and execution channels (in-store, online, and mobile app), alongside embedded loyalty use cases integrated into payments, commerce, and platform ecosystems. The analysis further segments the market by industry verticals and assesses technology enablement, including AI-driven personalisation and emerging blockchain-led program mechanics. In addition, the dataset captures consumer demographics, enrolment pathways, and key program economics such as value accumulation, redemption, and breakage. Collectively, these datasets provide a comprehensive and quantifiable view of market size, structure, engagement behaviour, and value realisation dynamics within the loyalty market.

The research methodology is based on industry best practices. Its unbiased analysis leverages a proprietary analytics platform to offer a detailed view of emerging business and investment market opportunities.

Report Scope

This report provides a detailed data-centric analysis of the loyalty market in Saudi Arabia, with comprehensive coverage across retail-sector context, loyalty spend dynamics, and loyalty platform economics. Below is a summary of key market segments:

Saudi Arabia Retail Sector Market Context

• Saudi Arabia Retail Industry Market Size, 2021-2030
• Saudi Arabia Ecommerce Market Size, 2021-2030
• Saudi Arabia POS Market Size Trend Analysis, 2021-2030

Saudi Arabia Loyalty Spend Market Size and Growth Dynamics

• Saudi Arabia Loyalty Spend Market Size and Future Growth Dynamics, 2021-2030
• Saudi Arabia Loyalty Spend on Schemes by Value Accumulated and Value Redemption Rate, 2025
• Saudi Arabia Loyalty Spend Share by Functional Domains, 2021-2030
• Saudi Arabia Loyalty Spend by Loyalty Schemes, 2021-2030
• Saudi Arabia Loyalty Spend by Loyalty Platforms, 2021-2030

Saudi Arabia Loyalty Schemes Spend Segmentation by Loyalty Program Type

• Point-based Loyalty Program
• Tiered Loyalty Program
• Mission-driven Loyalty Program
• Spend-based Loyalty Program
• Gaming Loyalty Program
• Free Perks Loyalty Program
• Subscription Loyalty Program
• Community Loyalty Program
• Refer a Friend Loyalty Program
• Paid Loyalty Program
• Cashback Loyalty Program

Saudi Arabia Loyalty Schemes Spend Segmentation by Channel

• In-Store
• Online
• Mobile

Saudi Arabia Loyalty Schemes Spend Segmentation by Business Model

• Seller Driven
• Payment Instrument Driven
• Other Segment

Saudi Arabia Loyalty Schemes Spend Segmentation by Key Sectors

• Retail
• Financial Services
• Healthcare & Wellness
• Restaurants & Food Delivery
• Travel & Hospitality (Cabs, Hotels, Airlines)
• Telecoms
• Media & Entertainment
• Other

Sector × Channel Views: Loyalty Schemes Spend by Key Sectors and Channels

• Online Loyalty Spend by Sector, 2021-2030
• In-store Loyalty Spend by Sector, 2021-2030
• Mobile App Loyalty Spend by Sector, 2021-2030

Saudi Arabia Retail Sector Deep-Dive: Loyalty Schemes Spend by Retail Segment

• Diversified Retailers
• Department Stores
• Specialty Stores
• Supermarket and Convenience Store
• Other

Saudi Arabia Loyalty Schemes Spend Segmentation by Accessibility

• Card Based Access
• Digital Access

Saudi Arabia Loyalty Schemes Spend Segmentation by Consumer Type

• B2B Consumers
• B2C Consumers

Saudi Arabia Loyalty Schemes Spend Segmentation by Membership Type

• Free
• Free + Premium
• Premium

Saudi Arabia Loyalty Spend Split by Embedded vs. Non-Embedded Loyalty

• Embedded Loyalty Programs
• Non-Embedded Loyalty Programs

Saudi Arabia Loyalty Spend Split by Use of AI / Blockchain

• AI Driven Loyalty Program
• Blockchain Driven Loyalty Program

Saudi Arabia Loyalty Platform Spend Segmentation by Software Use Case

• Analytics and AI Driven
• Management Platform

Saudi Arabia Loyalty Platform Spend Segmentation by Vendor / Solution Partner

• In-house
• Third-Party Vendor

Saudi Arabia Loyalty Platform Spend Segmentation by Deployment

• Cloud
• On-Premise

Saudi Arabia Loyalty Platform Spend Segmentation by Offering

• Software
• Services
• Custom Built Platform vs. Off the Shelf Platform

Saudi Arabia Consumer Demographics & Behaviour (Loyalty Spend Share), 2025

• Age Group
• Income Level
• Gender

Saudi Arabia Loyalty Program KPIs, Behavioral Metrics & Embedded, 2025

• Loyalty Program Penetration (% of Retail Sales under Loyalty)
• Primary Loyalty Motivation Split Analysis
• Loyalty Program Breakage Rate Analysis
• Loyalty Program Enrollment Channel Mix Analysis
• Embedded Loyalty Penetration by Channel

Reasons to Buy

• Comprehensive Loyalty Market Intelligence: Gain a complete view of the loyalty market by quantifying total loyalty spend value and its composition across loyalty schemes and loyalty platforms. The databook also includes retail context indicators to help benchmark market scale, structure, maturity, and growth dynamics. This enables users to understand not only the size of the opportunity, but also how loyalty value is distributed across the broader ecosystem.
• Granular Loyalty Spend and Program Type Coverage: Analyze loyalty spend across a wide range of loyalty schemes and platform-led models, supported by structured segmentation across key program types. Coverage includes point-based, tiered, cashback, subscription, community, gaming, mission-driven, paid, and referral-led formats. This helps identify which loyalty models are gaining traction and how program structures are evolving across markets.
• Channel, Sector, and Execution-Level Insights: Evaluate how loyalty spend is distributed across in-store, online, and mobile channels, with further visibility across major sectors such as Retail, Financial Services, Healthcare & Wellness, Restaurants & Food Delivery, Travel & Hospitality, Telecoms, and Media & Entertainment. Dedicated sector × channel views help users compare execution models and assess where loyalty engagement is strongest across physical, digital, and mobile environments.
• Program Structure, Participation, and Embedded Loyalty Analysis: Understand how loyalty schemes differ by business model, accessibility, consumer type, and membership format. The dataset covers seller-driven vs. payment-instrument-driven models, card-based vs. digital programs, B2B vs. B2C participation, and free, premium, and free+premium membership types. It also tracks embedded vs. non-embedded loyalty and emerging mechanisms, including AI-driven and blockchain-driven loyalty spend where captured.
• Loyalty Platform Spend and Vendor Benchmarking: Benchmark loyalty platform economics across software use cases, partner models, deployment choices, and offering mix. Coverage includes analytics/AI-driven platforms, loyalty management platforms, in-house vs. third-party solutions, cloud vs. on-premise deployment, and software vs. services models. The dataset also supports comparison of custom-built and off-the-shelf loyalty platform approaches.
• Consumer, KPI, and Decision-Ready Databook Lens: Access loyalty spend share by age, income, and gender, alongside decision-critical program KPIs such as loyalty penetration, primary motivation split, breakage rate, enrollment channel mix, and embedded loyalty penetration by channel. With historical and forecast coverage through 2030 and 100+ KPIs, the databook is designed for direct use in market models, strategic planning, competitive benchmarking, and executive presentations.