The Bank is launching a campaign offering customers the opportunity to win 10 Umrah trips. 

Two (2) winners will be selected each month based on campaign eligibility criteria.

The campaign will recognize:

• One (1) winner every month from Credit Card customers: the highest spender each month during the campaign period.
• One (1) winner every month from unsecured personal finance customers:  The customer with the highest unsecured finance amount on monthly basis during the campaign period.

Campaign Period

The campaign  starts on 1^st of July 2026 and ends on 30^th of November 2026.

A total of ten (10) winners will be selected throughout the campaign period:

• Five (5) Credit Card Top Spender winners.
• Five (5) winners with the Highest unsecured personal finance amount.

Eligibility Criteria

A.Credit Card Top Spender :

• The campaign includes all Al Baraka Bank credit card types
• The campaign  includes existing and new credit cardholders
• The campaign applies to all purchase transactions (points of sale or E-Commerce)
• Transaction date must be during campaign period
• Cancelled, refunded, misuse, and commercial transactions are not included in the campaign
• The spend on supplementary cards will be added to the primary card
• The campaign does not apply on delinquent customers
• The bank reserves the right to choose the eligible customers as per available information

B. Highest unsecured personal finance amount:

Campaign eligibility:

• Campaign applies in unsecured finance only
• The umrah trip goes to the customer with the highest unsecured finance amount on monthly basis during the campaign period.
• The campaign is applicable to both existing and new to bank customers.
• In case of a top up the incremental amount only will be calculated
• Ensure the finance validation until the date of winner selection.
• The campaign does not apply to delinquent customer.

Prize Details

• Umrah trip.

The bank reserves the right to set all the trip details, including the trip program, airline, hotel category, travel dates, and service provider.

Travel Period

Due to travel arrangements, visa processing requirements, flight availability, and accommodation bookings, the Umrah trips may not take place immediately following winner selection.

The Bank anticipates that travel arrangements will be scheduled within one (1) to two (2) months following the completion of the campaign.

Accordingly, travel is expected to take place during:

• December 2026; or
• January 2027,

subject to operational requirements, travel availability, and regulatory approvals.

The Bank reserves the right to amend travel dates if required.

Travel Requirements

Winners shall be solely responsible for:

• Maintaining a valid passport.
• Providing all documents required for visa processing.
• Complying with the travel requirements of the Kingdom of Saudi Arabia and any transit countries.
• Meeting any health, vaccination, or regulatory requirements applicable at the time of travel.

The Bank shall not be responsible for any delays, rejections, or restrictions imposed by governmental authorities or third-party service providers.