Saudi Arabia Campaign Commercial Terms & Conditions

October 23, 2025

Commercial Terms Campaign:

Detailed Explanation of Rewards and Challenge Mechanics

[Valid through October 24 - November 5]

The Spending Challenge is a merit-based competition designed to incentivize and reward the users who achieve the highest calculated eligible spending during the defined campaign period. The rewards structure and the ranking mechanism are detailed below.

Section 1: The Cash Reward Structure

The cash rewards are based on the Entrant's final verified rank at the conclusion of the campaign, which is determined by their boosted spending score (see Section 2). The reward is delivered as a cash payment to the winner's account.

Rank Achieved	Cashback Percentage	Maximum Cash Payout (Cap)	Calculation Basis
1st Place (Gold)	8% on Eligible Verified Spending	$500 USD	Highest reward rate, strictly limited to $500 cash.
2nd Place (Silver)	6% on Eligible Verified Spending	$300 USD	Intermediate reward rate, strictly limited to $300 cash.
3rd Place (Bronze)	5% on Eligible Verified Spending	$200 USD	Base reward rate, strictly limited to $200 cash.

Key Principle: Cashback is Capped

The cash reward is calculated based on the winning percentage applied to the actual Eligible Verified Spending (EVS), but it will never exceed the stated Cap for that rank.

‍Example 1 (Below Cap): A 1st Place winner with $1,000 in EVS receives 8% of $1,000, which is $80 (well below the $500 cap).
‍Example 2 (Hitting Cap): A 1st Place winner with $10,000 in EVS is eligible for 8% of $10,000 ($800). Due to the cap, the winner will receive the maximum cash payout of $500.

Section 2: The Card Boost Multipliers (Visual Spend Boost)

The Card Boost Multipliers serve a single purpose: to accelerate your position in the ranking competition. These multipliers are applied to your spending total when you buy a physical card to generate your Ranking Score, which is used solely to determine who wins 1st, 2nd, and 3rd place.

Multiplier Tiers:

Card Purchased & Activated	Boost Multiplier	Application and Effect
Standard Physical Card	1.5×	Spending with this card contributes 1.5 times its actual value to your total Ranking Score.
Premium Physical Card	3×	Spending with this card contributes 3 times its actual value to your total Ranking Score.

Crucial Distinction: Ranking vs. Payout

It is essential to understand that the multiplier does not increase the dollar value of your Cashback reward.

‍Ranking Score: Your actual spending is multiplied to create a higher total for the leaderboard.‍
- If you spend $100 with a Premium Card, your Ranking Score increases by $300.‍
Cashback Payout: If you win, the percentage reward is applied only to the $100 you actually spent. The $200 boosted portion is purely virtual for ranking purposes.

Scenario (Premium Card Holder)	Actual Spending (EVS)	Ranking Score Contribution	Payout Calculation (if 1st Place)
Single Purchase	$500	$1,500 ($500 × 3)	8% of $500 = $40 Cash Reward
Overall Total	$6,250	$18,750 ($6,250 × 3)	8% of $6,250 = $500 (capped)

Note on Activation: To benefit from a multiplier, the new physical card (Normal or Premium) must be purchased and successfully activated within the official campaign period. Spending made before the card's activation or purchase date will not receive any multiplier.