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Terms & Conditions

Kuwait Finance House (Bahrain) Rewards Program Terms & Conditions







These Terms and Conditions (referred to hereinafter as T&C) govern the use of the Kuwait Finance House (Bahrain) (“KFHB”) Rewards Program, the collection of rewards points, the membership of the KFHB Rewards Program and the use of KFHB Website




By accessing and/or using any page of the Website.Member declares that Member read, understood, and accepted the following terms, conditions, and disclaimers in full and hereby agrees to comply with and be bound by them. This T&C may be changed or updated occasionally; therefore, Members are encouraged to frequently visit these sections in order to be updated about the changes made. Any such variations or amendments will become effective and binding on the Member upon publication, announcement or communication of the variations or amendments.








For the purpose of this T&C, the following terms shall have the following meaning:




KFH Rewards Program– means the loyalty program run by KFHB through which a Member earns rewards points by performing transactions through his/her KFHB Products and Services, and then redeeming the earned points for Rewards.




KFHB Rewards  Points – means the common “Walaa Baytik” loyalty currency points earned by a Member under the KFH Rewards Program and credited to a Member’s account. These points can be redeemed at the KFHB online catalog available on the KFHB rewards website, at KFHB Program Partners or through the KFHB Network.




Delinquent - means a Member who has not paid their necessary and applicable monthly installment or necessary and applicable minimum payment amount for three (3) consecutive months on any finance product or service, or credit card with KFHB.




KFHB  Network – means the network loyalty program consisting of businesses where KFHB Points can be earned or redeemed.




KFHB Points Network Partner – means any business entity participating in the KFH Rewards Network and offers rewards to Members.




Member – means the person who is a member of KFHB Rewards Program. The name of the said member is registered against the Membership Number.




Membership Number – means the membership number allocated to a Member in accordance with this T&C.




Member Loyalty Account – an account number that is set up under one Membership Number and which is used by Member within the KFHB Rewards Program to earn and redeem points.




OTP Code –a code sent to Member’s registered mobile number at the time of enrollment and used to access the online KFHB Rewards Program registration portal.




Posted Information - means any type of information entered directly by the Member into the KFHB Loyalty Program Website.




Kuwait Finance House (Bahrain) Products and Services – means KFHB offers and programs which are offered by KFHB, from time to time, and that Members make use of.




Transactions – mean the transactions that are performed by Member through the use of his/her KFHB Products and Services.




Reward(s) – goods or services supplied, by or on behalf of KFHB Rewards Program, upon redemption by a Member of an appropriate number of points or, where permitted, a combination of cash and points.




Reward Points – the points awarded through the KFHB Rewards Program and which are issued as KFHB points.




Suppliers and/or Merchants – means third party vendors through whom Rewards are procured and delivered.




Website– means the pages and the screens applicable to KFHB Rewards Program available at








The Members in KFHB Rewards Program are the individuals enrolled to the program.




Enrollment in KFHB Rewards Program is free of charge and automatic.




 A Member must accept the terms and conditions once he or she logs in to the KFHB Rewards website.




A Member will earn, accumulate and redeem Reward Points through the methods stated herein.




KFHB will set up a Member Loyalty Account to record Reward Points earned or redeemed by the Member. Reward Points can only be redeemed once the Account is activated by the Member online on the rewards Website..




 By holding a KFHB Reward, the Member enrolls automatically in the KFHB Rewards Points.  The KFHB Rewards Program will be subject to its own Members terms.  Please visit the KFHB Rewards website on for further details.









Member will earn Reward Points related to the eligible Transactions made through the KFHB Products and Services. The number of Reward Points a Member may earn is determined according to Member’s use of said products and services and in accordance with KFHB terms that regulate the KFHB Products and Services.




Please visit the KFH rewards website on for the number of points earned for every qualified transaction.




Reward Points cannot be redeemed until credited to the Member’s Loyalty Account. Bonus points are usually announced within 30 days of the transaction date.




The number of points earned for every qualified transaction and eligible transactions are determined and calculated at the bank's absolute discretion and without reference to the client..




No paper statements will be issued. Members must log into to obtain statements of their current position in the Loyalty Program including Reward Points collected and redeemed.




If a Member is Delinquent, no Rewards Points will be accumulated, but Member can still use previously accumulated Rewards Points to perform transactions.








All Rewards are subject to availability and stocks may be limited. Transactions and all Rewards are subject to applicable terms and conditions (including booking requirements, cancellation restrictions, return conditions, warranties and limitations of liability) of the Reward’s suppliers and/or Merchants.




The number of Reward Points required to redeem any Reward can be found on the KFHB Rewards Website and may change without prior notice.




At the time of requesting the Reward, Member’s current Reward Points balance must be at least equal to the total Reward Points value that the Reward Member is requesting. Reward offers cannot be used in conjunction with any other Reward offers unless otherwise stated.




Once a Reward has been delivered or picked up, it cannot be returned or exchanged for Reward points or other Rewards.




If the Reward is faulty or damaged, the supplier’s warranty will apply and the Member must revert to the supplier for support and assistance. KFHB will not hold any responsibility for any faulted or damaged reward.




If a product is out of stock, we will suggest a replacement and it is the Member’s decision to accept or refuse the replacement. Where a replacement is not taken then the Reward Points will be credited back into Member’s account within 15 working days after notifying us.




Some Rewards may differ slightly from the image shown on the rewards Website.




Rewards redeemed through the Website will be delivered directly to the address provided within 15 working days.




Rewards which are redeemed and requested and not claimed within six months after the date of redemption, will expire if the Member is not reachable on the address provided through the rewards Website.








KFHB will not be responsible for any loss, theft, damage or unauthorized use of Member’s OTP Code, or Reward, whether in the course of delivery or otherwise.




All conditions and warranties, whether expressed or implied and whether arising under legislation or otherwise, as to the condition, suitability, quality, fitness or safety of any Reward supplied are expressly excluded to the full extent permitted by law. Any liability that cannot be fully excluded is limited, where permitted, to replacing, repairing or crediting the value of the Reward at our discretion.




A Member must enter his/her personal user name and password when conducting a redemption transaction on KFHB Rewards Program. Additional security questions might be asked by the KFHB staff.




It is the Member’s responsibility to ensure that the Member’s user name and password is not compromised, shared with anyone, or mishandled. Any loss resulting from the unauthorized use of the Member’s user name and password is the Member’s responsibility alone.









Reward Points have a three-year expiry date.




Points will be lost if expired. Additionally, they will be lost if the relevant Member’s Account is closed, if the relevant Member’s Credit Card(s) is/are cancelled or terminated or the KFHB Rewards Program ends.








Collecting the cash back can only be from credit card purchases.




Cash back is eligible only for credit cards purchases points.




Customer has no right to claim expired reward points.




Once the customer is registered to the KFHB Loyalty Program and is a credit card holder, customer will only accumulate points in the KFHB Loyalty Program.








Reward Points that have been redeemed cannot be used again. If a transaction on which Reward Points are issued or redeemed is cancelled, reversed or not completed, KFHB will reverse the associated Reward Points movement. If insufficient Reward Points are available, or we suspect fraud or misconduct, rewards may be refused or cancelled.




Member is responsible for the security of his/her Member Account. If the Member thinks an unauthorized person has become aware of any user name, security code, password or account number, they should contact KFHB Call Center at 7777 7777 immediately and/or change the user name and password through the Website. KFHB will not be responsible for any unauthorized use of Reward Points.




KFHB may close any Member Loyalty Account on which no Reward Points have been earned or redeemed for a continuous period of at least 24 months. KFHB may also, on notifying the Member, immediately suspend or terminate the rights of any Member and/or close any relevant Member Account, if they breach this T&C; if we reasonably believe that they have dealt with Reward Points in a manner not permitted by this T&C; if there is any theft from or misconduct in connection with the KFHB Rewards Program; if they supply false or misleading information to us; or if they are abusive or offensive to any member of our staff. A Member can close his/her Loyalty Account at any time by notifying us. If a Member Loyalty Account is closed, Member’s rights to redeem Reward Points from that Account are lost.




KFHB may make changes to this T&C at any time. Earning or redeeming Reward Points on a Member Loyalty Account will constitute acceptance of the revised T&C. We may suspend or terminate the KFHB Rewards Program by giving at least a 30 days prior notice. After thirty (30) days after notification to the Member by any means of authenticated communication KFHB deems fit. If this happens, all Member Accounts will be suspended or terminated.




We will only be liable to a Member who suffers loss as a result of a material breach of this T&C and, if so, our sole liability will be to credit to the relevant Member account any Reward Points which have been wrongly deducted or should have been credited but were not. This T&C prevail in the event of any conflict or inconsistency with any other communications, including advertising or promotional materials.




Member can contact us by calling the KFHB Call center on +973 7777 7777 or sending us an email to We may record calls to check the quality of our services or for training, audit or security purposes.








The Website Terms of  Use shall set out the legal conditions related to the Member’s use of and access to the Website. By checking any acceptance boxes, clicking any acceptance buttons, submitting any text or content or simply by making any use of the Website, a Member (a) accepts these terms and agrees to be bound by each of them, and (b) represents and warrants to KFHB that (i) a Member is at least 18 years of age and has the authority to accept these terms (either on Member’s own behalf or by having a parent or legal guardian agree to the terms set forth herein on Member’s behalf), (ii) these terms are binding and enforceable against the Member, (iii) to the extent an individual is accepting these terms on behalf of an entity, such individual has the right and authority to agree to all of the terms set forth herein on behalf of such entity, and (iv) Member has read and understood KFHB Privacy Policy.




The purpose of the Website Terms of Use is to set forth the terms and conditions under which, among other things, Member can access and/or use the Website. As stipulated elsewhere herein, KFHB does not exert any control over any Program Partner and Supplier, and as such is not liable or responsible for any actions taken or omitted to be taken by any such third party.




KFHB hereby grants Member a non-transferable, non-exclusive, revocable, limited license to access and use KFHB’s Website and Mobile Application solely for the purpose outlined before. KFHB may, from time to time, update or modify the Website, release new versions of the Website or create new modules related thereto, each of which may, at KFHB’s discretion, be included within the license described above. Member shall not be permitted to sub license or transfer any of Member’s rights hereunder including, without limitation, access to the Website and the Mobile Application.




Member shall not directly or indirectly copy or reproduce all or any part of the Website whether electronically, mechanically or otherwise, in any form including, but not limited to, the copying of presentation, style or organization. Member shall use the Website solely for its intended purposes and shall not use the Website for the benefit of any third party except as specifically contemplated under this T&C. Member shall not use the Website to post, transmit, convey, submit, distribute, store or destroy any content, photographs, descriptions, drawings, content, audio materials, text, messages or other information (collectively, "Posted Information"):
(a) in violation of any applicable law, statute, ordinance or regulation.
b) in a manner that will infringe the intellectual property rights of others.
(c) that is defamatory, obscene or trade libelous.
(d) that contains any viruses, Trojan horses, worms, time bombs, cancel bots or other computer programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or personal information.
(e) that is false, misleading or inaccurate in any way. or
(f) in violation of the any acceptable use policy or other policy posted at the Website from time to time. Member shall not violate or attempt to violate the security of the Website. Member shall not reverse engineer, decompile, disassemble or otherwise attempt to derive source code or other trade secrets from the Website, including, without limitation, any of the software comprising or in any way making up a part of the Website. In addition, Member will not export, re-export or permit any third party to export or re-export, directly or indirectly, the Website where such export or re-export is prohibited by applicable law without appropriate licenses and clearances. Member shall defend and indemnify KFH, at Member’s sole cost and expense, from and against any claims, damages, liabilities and/or expenses arising out of Member’s breach of any of Member’s obligations or representations set forth in this section.




Member shall be solely responsible for: (i) all Posted Information Member input into the Website. (ii) ensuring that all Posted Information is appropriate in tone and is accurate. (iii) complying with all applicable laws, rules and regulations at all times. (iv) maintaining all passwords and access codes to the Website, and refraining from sharing or otherwise permitting third parties to use any such passwords and/or access codes to access the Website.




KFHB shall be entitled, at its sole discretion, to suspend, restrict and/or terminate, without notice of any kind, Member’s access to the Website or Member’s Loyalty Account for any reason. Notwithstanding the foregoing, KFHB shall not be required to review or monitor any Posted Information entered into the Website or otherwise submitted by Member, and Member shall be solely responsible for the veracity and accuracy of all such data, content and information.




KFHB does not currently charge its Members to access and use the Website, however KFHB may, at any point and in its discretion, elect to begin charging fees for use of various portions of the Website and/or for different levels of subscription or account. After thirty (30) days after notification to the member by any means of authenticated communication KFHB deems fit. And it should be comply with the local regulations stipulated by the Central Bank of Bahrain.




Access to the Website will end if: (i) Member and/ KFHB provide written or electronic notice of termination (at which point Member shall no longer be entitled to access or use the Website), or (ii) KFHB elects to terminate Member’s access to the Website, with or without notice. For purposes of clarity, Member is entitled to terminate Member’s Loyalty account at any time. Upon termination of the Loyalty Account for any reason, Member shall no longer be entitled to access or use the Website or any other non-public portions of the Website. In addition, member should redeem his points before cancelling this membership or his account otherwise the points will be cancelled. In addition to the foregoing, in the event that KFHB determines, in its sole and absolute discretion, that Member has breached the T&C, threatened to breach the T&C, committed any fraud or deception, breached any KFHB policy in effect from time to time or otherwise failed to perform to the standards required of KFHB, KFHB shall be entitled, at its discretion and in addition to any other remedies it may have hereunder and/or at law, to terminate, cancel or suspend Member’s access to the Website, in each of the foregoing cases at any time and for any period of time. KFHB shall not be responsible for the return of any Posted Information of any kind to Member upon any termination or suspension of Member’s access to the Website, including without limitation any information input into the Website by Member. All outstanding points remaining in the Member’s balance will be forfeited by Member and returned to KFHB.




All trademarks, patents, copyrights and other intellectual property rights owned by KFHB and/or the Member on the date hereof shall continue to be owned solely by each of them, and except as set forth herein, nothing in this T&C shall be deemed to confer any rights to any such intellectual property on the other. Member acknowledges and agrees that the applicable supplier(s) of any third party software included within the Website shall own all worldwide rights, title and interest in and to such third party software (and any intellectual property rights therein), subject to such suppliers' license, if any, of such third party software to KFHB.








Member agrees to treat as confidential all confidential information of KFHB, not to use such confidential information for any purpose other than to the limited extent necessary to use the Website and not to disclose such confidential information to any third party except as may be reasonably required pursuant to this T&C and subject to confidentiality obligations at least as protective as those set forth herein. Without limiting the generality of the foregoing, Member shall use at least the same degree of care which Member uses to prevent the disclosure of Member’s own confidential information of like importance to prevent the disclosure of confidential information disclosed by KFHB, provided, however, that in no event shall such degree of care be less than reasonable in light of general industry practice.








Except as explicitly set forth herein, neither KFHB its affiliates or any of any such party's equity holders, directors, officers, employees, agents, suppliers, licensors nor the like, makes any warranties of any kind, either expressed or implied, including, without limitation, (a) warranties of merchantability or fitness for a particular purpose, (b) that the Website will be error-free, (c) as to a minimum level of uptime for the Website, or (d) as to the results that may be obtained by Member by accepting this T&C and/or using the Website. Member agrees and acknowledges that the Website is licensed and/or provided hereunder on an "as is" basis. In addition, Member hereby agrees and acknowledges that: (i) KFHB shall not be responsible for any actions taken by any other party using the Website or reviewing any of Member’s Posted Information. (ii) KFHB does not recommend or endorse any third parties hereunder, and makes no representations or warranties whatsoever regarding any such third party. (iii) KFHB is not a party to any transaction between Member and any Program Partner, Supplier, or business with which KFHB has a business relationship, and as such, any disputes regarding purchases, rewards and/or any other aspect of any transaction or other commercial dealings is solely between Member and such third party. (iv) KFHB is not responsible for any other party's compliance with applicable laws, rules or regulations. (v) KFHB shall not, under any set of circumstances, be responsible or liable for any content, text, photographs and/or other Posted Information, including any Posted Information which may violate applicable law and/or a third party's intellectual property rights. and (vii) the Website may not function properly or as intended at times.




Member is responsible, at Member’s sole cost and expense, for providing all equipment necessary to access the Internet, the Website. While it is KFHB objective to make the Website accessible at all times, the Website may be unavailable from time to time for any reason including, without limitation, routine maintenance. In addition, various portions of the Website may operate slowly from time to time. Member understands and acknowledges that due to circumstances both within and outside the control of KFHB access to the Website may be interrupted, suspended or terminated from time to time. In particular, and not in limitation of the foregoing, KFHB shall not be liable in any way for any delay in responding to an inquiry or question forwarded by Member or the effects any delay or unavailability may have on Member.




Member agrees that KFHB shall not be liable for any damages arising from any such interruption, suspension or termination of the Website and that member shall put in place contingency plans to account for such periodic interruptions or suspensions of the Website.




KFHB shall not, under any set of circumstances, be liable to member for any special, incidental, indirect, punitive or consequential damages, including, but not limited to, lost profits or data, arising out of accepting these terms or member’s use of the Website, whether based in contract, tort or any other legal theory, even if advised of the possibility of such damages.




KFHB shall not be liable to Member for failure or delay in performing any obligations hereunder if such failure or delay is due to circumstances beyond its reasonable control.








Except where explicitly provided otherwise herein, any notice required or permitted hereunder will be delivered to KFHB as follows (with notice deemed given as indicated): (i) by personal delivery when delivered personally; (ii) by established overnight courier upon written verification of receipt; (iii) by certified or registered mail, return receipt requested, upon verification of receipt; or (iv) by electronic delivery when receipt is confirmed orally.








Member may not, without the prior written consent of KFHB, assign the T&C, in whole or in part, either voluntarily or by operation of law, and any attempt to do so will be a material default of the T&C and will be void; provided, however, that in the event of a sale of substantially all of your assets or equity to a third party or any merger of your entity with an into a third party, this T&C shall be deemed, without any further action on the part of any party, to automatically be assigned to and assumed by the acquirer in such transaction and as such, shall be binding on such acquirer. The T&C will be binding upon and will inure to the benefit of the respective parties hereto, their respective successors in interest, legal representatives, heirs and assigns.








The T&C is solely for the benefit of the parties and their successors and permitted assigns, and does not confer any rights or remedies on any other person or entity.








This T&C may be changed by KFHB upon posting an updated version of the T&C on KFHB’s website and/or within the applicable KFHB Rewards Program,. The failure of either party to exercise or enforce any of its rights under the T&C will not act as a waiver of subsequent breaches and the waiver of any breach will not act as a waiver of subsequent breaches.









If any provision of the Agreement is held by a court or other tribunal of competent jurisdiction to be unenforceable, that provision will be enforced to the maximum extent permissible under applicable law and the other provisions of the T&C will remain in full force and effect.








Neither party shall be liable to the other if such party is prevented from performing any of its obligations under the T&C (excluding fee payment obligations) due to any cause beyond the party’s reasonable control including, without limitation, an act of God, fire, flood, explosion, terrorism, war, embargo, government regulation, civil or military authority, acts or omissions of carriers, transmitters, providers, or acts of vandals, or hackers. The time for that party’s performance will be extended for the period of the delay or failure to perform due to such occurrence, except that you will not be excused from the payment of any sums of money owed by you to KFHB provided prior to the force majeure event.








The T&C will not be construed as creating or constituting a partnership, joint venture, or agency relationship between the parties. Neither party will have the power to bind the other or incur obligations on the other’s behalf without the other’s prior written consent.








This agreement shall be governed by and construed in accordance with the laws and regulations of the Kingdom of Bahrain.








The T&C constitutes the entire agreement between KFHB and the Member with respect to the subject matter hereof and all prior oral or written agreements, representations or statements with respect to such subject matter are superseded hereby.