1- All customers from individual segments who have an active credit card and registered at the JKB-Mobile banking application are the only customers included in the loyalty and rewards program.

2- The service is activated automatically for customers if they have an active credit card in addition to JKB – Mobile subscription.

3- The loyalty and rewards program include classifying the customer into four categories as follows:

4- Customers participating in the loyalty and rewards program are not exempted from commissions for issuing and renewing credit cards, whether primary and/or supplementary.

5- The customer’s rating and cashback percentage are calculated based on the customer’s banking transactions during the last 30 days.

6- The bank transactions that fall within the rating are as follows:

- Salary transfer

- Account balance (Current/Savings/Deposit)

- Loan balance (Personal/Housing /Auto loans /reducing)

- Purchase transactions on credit cards at stores via points of sale and/or the Internet, whether it being (local and/or international).

- Paying bills.

7- Customers can view their rating and the amount of the cashback earned at any time through the banking application.

8- The cashback is charged and allowed to the customer based on the customer’s rating on the date of arrival and recording of purchasing transactions through the credit cards into the banking system but not on the date of conducting the transactions noting that if the purchase transaction is canceled for any reason, a cashback shall not be charged for these transactions for which the transaction should be debited on the account and is not reserved.

9- Cashback is applied to payments /purchase transactions through credit cards at stores via points of sale and/or the Internet only but to the exclusion of amounts paid to government departments, customs, tax and/or any departments that fall under them regardless of whether the transaction takes place locally and/or internationally. Yet, it is known to the customer that the Bank has the right to exclude any store from cashback as the Bank deems appropriate.

10- The cashback value resulting from purchase transactions made through the supplementary credit card shall be credited to the main credit card account.

11- It is known that in order to benefit from the realized cashback value, the customer must transfer the amount to any of his active accounts (savings and/or current) only at any time the customer desires as the cashback amount is available to him without an expiry date for the combined cashback amount. In fact, this shall be done by transferring it through the banking application where customers with dormant accounts are able to transfer and withdraw the collected amounts after activating the account.

12- In case the customer defaults or does not commit to paying any dues owed to the Bank, then the customer will not be able, in this case and throughout the period of his failure to pay, to benefit from the benefits allowed through the program which are represented by upgrading from one segment to another and/or obtaining a cash refund until he settles all obligations and amounts owed to the Bank.

13- The customer has the right to cancel subscription to the program at any time he wishes by visiting the nearest branch or calling the direct call center and/or by any other means announced by the Bank.

14- The Bank has the right to amend the customer’s rating within the Bank’s internal policies, so that the rating is valid for a period that determined by the bank then customer’s rating is automatically set according to the customer’s banking transactions.

15-- The customer who wishes to close his all accounts must transfer the accumulated cashback value to his savings/current account.

16- In case of death of the customer, his subscription to the program will be canceled immediately and the collected cashback value will be transferred to the customer’s account through the Bank.

17- It is known to the customer that cashback is allowed to him on purchasing transactions made through credit cards for personal purposes only. Yet, and in case the customer exploits his personal account for commercial purposes by executing purchasing transactions for the purposes of exploiting the program and obtaining cashback, the customer’s subscription to the program will be suspended and any cashback values realized for the customer shall be reversed.

18- In case the customer makes any suspicious and/or fictitious transactions to exploit the program, the Bank has the right to permanently suspend and cancel the customer’s subscription while reversing and confiscating the amount of any cashback he obtained without referring to the customer.

19- The joint account will be treated as a single account and in case of closure of the joint account and/or the death of one of its parties and/or seizure of the account by any party, the general terms and conditions for joint accounts will apply in this regard and, as the case, to the benefits allowed under the program.

20- The Jordan Kuwait Bank Rewards Program is considered an additional advantage granted by the bank to its customers while the customer is not entitled to claim any rights and/or any privileges allowed under the program.

21- The Bank reserves the right to terminate and/or amend the rewards program, rating criteria, terms and/or provisions at any time without the customer’s prior approval but notifying customers thereof.

22- With regard to the current rewards program based on points, JKB Reward, any points will be stopped for customers as of the date of launching the new program, the Loyalty and Rewards Program, while customers will retain their right to the current point balances.

23- The customer has the right to object if the system does not charge the cashback amount for him despite his satisfaction of all subscription conditions by contacting the direct call center at 065200999 or the toll-free number 080022066. Yet, the Bank has the right to decide on the results of the objection by its absolute discretion

24- The customer has the right to submit complaints to the Customer Complaints Unit at the Head quarter, which is concerned with handling customer complaints, as announced at the Bank’s branches, on the designated numbers 06-5629404 / 080022200 or through the customer complaints email [email protected].

25- The Bank has the right to seek recourse against the customer if it becomes apparent that there is any incorrect calculation of the cashback value while it has the right to collect any amounts owed by the customer from any of his accounts without referring to the customer.

26- Credit card terms and conditions apply when using the credit card to pay and obtain cashback.

27- The customer agrees to all the terms and conditions of the loyalty and rewards program while he has no right to object to them. Yet, he releases the Bank in case the customer does not read or understand them.