• Welcome to the website of QNB LIFE Rewards
Life Rewards  | عربي


Getting Started

Question 1. What is QNB Life Rewards?
Life Rewards is a total relationship loyalty program offered by QNB to its retail banking customers. It is the bank’s way to show appreciation to its customers for their loyal use of QNB retail products and services. Members earn points from their everyday use of QNB products and services, which can be redeemed instantly on different types of rewards. The points earned are pooled into a single account, so members will quickly be able to get rewards. Points earning happens at different rates for the three membership levels in the program: Essential, Select and First.
Question 2. What makes this program different from other available on the market?
QNB’s Life Rewards program is unique because customers earn points from many different QNB retail products and services, not only from the traditional card spending. The program offers a wide range of redemption options including a broad network of partners and makes it very easy for you to redeem your points anywhere and anytime you want, directly at partner stores via QNB POS terminals, or through QNB online Banking for redemption in other Loyalty Programs( Qmiles & Njoom points). It is this combination of fast earning, easy redemption and wide choice of rewards which makes the Life Rewards program unique.
Question 3. Are there any membership or enrolment fees?
The program is free-for-life; there are no costs or fees associated with enrolment or usage of the program.
Question 4. Who is eligible to become a member of Life Rewards?
Any QNB customer with at least one active Life Rewards Debit Card or Life Rewards Credit Card will automatically be enrolled into the Life Rewards program. No special action is required, once you have the Life Rewards debit or credit card you can immediately start to enjoy the program’s many advantages.
Question 5. What are the differences between the 3 membership levels?
There are three membership levels in the program: Essential, Select and First. Eligibility per level is based on a member’s monthly salary deposit in QNB and/or average monthly savings deposit balance. The higher the membership level, the faster you’ll earn points and the more advantages will be offered to you.
Question 6. Do points ever expire?
Points in the program will remain valid until the 31st of December; two years after the points were earned. So, for example, points earned on 12th of October 2012, will expire on 31st of December 2014. You’ll be able to see how many points expire in each coming year on your loyalty page on QNB’s online banking portal.
Question 7. Will I get a new credit card? Or can I continue using my old credit card?
Any members who are currently having active QNB Debit Card will be automatically enrolled into the program.; QNB will continuously be replacing the existing QNB Credit Cards and/or providing add-on Life Rewards cards to existing QNB credit cardholders Once you receive the new credit card, you simply need to activate it to gain access to the rewards and benefits in the program. QNB Co branded Cards are not considered as QNB Life Cards, therefore the holders will not be registered into the Life Rewards Program.
Question 8. What if I do not have a QNB credit card? Am I still eligible for the Life Rewards Program?
The member needs to have either Life Rewards Credit or Debit Cards. If you do not have Life Rewards credit cards, please visit our branches to apply for the new Life Rewards Credit Card.

Points Earning 

Question 9. How can I earn points?
Customers will be able to earn Life Rewards Points from getting and using various retail banking products and channels. Click here to view the Life Rewards Point Earning Table .
Question 10. How will I be notified that I have earned points?
You can check your latest points balance and individual points transactions by logging into your QNB online banking account. Also, you will receive a monthly e-statement, showing each individual transaction which earned you Life Rewards points in the past month. At any time, you can check your points balance by sending the following SMS: “liferewards” to 92777 from the registered mobile number at QNB.
Question 11. Will I earn points both on my credit and debit cards?
You will earn points for any international spending on your Life Rewards debit cards and any spending on your Life Rewards credit cards either domestically or internationally. However, the earning is much faster on credit cards. You can earn up to 5 times more points when you pay with your credit card than with your debit card!
Question 12. What are the earning rules for debit cards?
You will earn points upon doing any international purchase transaction on your debit card.
Question 13. What are the earning rules for credit cards?
You will earn points upon doing any purchase transaction by your credit card either domestically or internationally.
Question 14. How long after I make a purchase using my Life Rewards credit card will I see my Life Rewards points in my available balance?
Typically, Life Rewards points received for eligible new purchases will be shown in your available balance within 1-3 working days. However, in selective cases, it may take longer to process the card transaction.
Question 15. Do I earn the same points from credit card spending in any partner?
No, there are program partners that offer you extra points for every credit card purchase you make in their store or outlet. The amount of earned points differs for partners, so it pays for you to see where you can earn most points. Click here for more details.
Question 16. Are there any conditions on earning points from the partners during promotions?
Yes, when the partner runs other promotions they may decide to stop the partner contribution during that promotion period.
Question 17. Will I also earn points while spending outside Qatar?
Yes, you will earn Life Rewards points for every successful purchase on your Life Rewards credit cards and debit cards, anywhere in the world. Points can be redeemed at our participating partner outlets Click here for more details.
Question 18. Can customers purchase QNB Life Rewards points?
No, QNB Life Rewards cannot be purchased.
Question 19. How do I find out about promotions?
Promotions will be communicated through QNB website, newsletters, email, and SMS. You will also hear about promotions through mass media channels, such as radio, newspapers, internet and outdoor advertisement. 

Points Redemption

Question 20. How can I redeem points?
There are multiple ways in which you can redeem your Life Rewards points.
  • You can pay for purchases at participating partner outlets with your points (using your Life Rewards debit or credit card on the QNB POS terminal in the outlet)
  • You can convert Life Rewards Points on online banking to points or miles in other loyalty programs
  • You can pay your utility bills with points on QNB ATMs or online banking
  • You can redeem points for cash back on your credit card through QNB ATM or online banking, effectively paying your outstanding balances with Life Reward points. 
    Click here for more details.
Question 21. Can I purchase goods partially with points?
Yes, it’s possible to ‘top-up’ points with Life Rewards credit or debit card. In other words, items can be paid partially with points and the rest with Life Rewards card. This is very beneficial in case you don’t have enough points to pay for the item’s full price, but still would like to use your points. This ‘partial redemption’ is accepted at all our participating partner outlets POS terminals However, it is not permitted for utility bill payments or points conversion to other loyalty programs
Question 22. How can I use Life Points at QNB Partner merchants?
Upon choosing your preferred items to buy, please present your Life Reward Credit Card or Debit Card to the cashier. The cashier will swipe the card to check the available Life Points and calculate the value of points in Qatari Riyal.
If your point is enough to settle the total items, the cashier will put the required points in the POS and you will be given a receipt upon successful transaction.
The process is very easy and instant.
Question 23. Can I exchange points into cash?
At this point in time, this is not possible. However, you can use points for cash back on your QNB credit cards. Members can pay their outstanding balance on QNB credit cards with their points as credit balance to your billing.
Question 24. Can I use both my credit and debit card for redemption in partner outlets?
Yes, you can use either your Life Rewards credit card or your Life Rewards debit card to purchase items at participating partner outlets, using your points. All you need to do is inform the staff in the partner outlet that you’d like to use your Life Rewards points, and they will inform you if you have sufficient points to pay for your item and process the transaction. It’s that simple!
Question 25. Who are the participating partners?
The Life Rewards program offers the option to redeem points at a selection of participating partner outlets across many categories, including Luxury boutiques, electronics, automotive, shopping, dining, hotels, supermarkets, food & beverage, health & beauty, and travel. Click here for more details.
Question 26. Can I earn points with one partner and redeem them with another?
Yes, points earned from any type of bank transaction will accrue into one single pool from which points can be redeemed at any listed program redemption partner or any other redemption option offered in the program.

Managing Points and Customer Service

Question 27. Where can I see information about my membership level and points?
On QNB’s online banking portal, you can view your membership level and your available points balance and expiration information. Also you can access a transaction overview of your points earned, redeemed or transferred in past periods. Also, you can receive a monthly statement in your email, showing you the same information for the past month.
Question 28. Am I able to transfer points to family or friends?
Members in the program will have the option to transfer points to another member through the QNB online banking portal. Only points which still have a validity of more than 3 months can be transferred to other members, and once transferred they will expire by the end of the same year on 31st of December.
Question 29. Can I move up or down the membership levels?
Yes you can. Upward migration to a higher membership level is triggered by a higher salary deposit or higher average savings deposit balance in QNB. As soon as you meet the eligibility criteria for a higher membership level, QNB will assign the new level to you and automatically schedule the replacement of your Life Rewards debit card to the appropriate card. If you have a QNB Life Rewards credit card, you will automatically receive the invitation to pick up your upgraded card
It is also possible to move down a membership level. If for six consecutive months, you are no longer meet the eligibility criteria for your current level (i.e. required salary or deposit volumes) you’ll be assigned a lower membership level. Your Life Rewards debit and credit cards will be automatically replaced with the appropriate cards.
Question 30. Where can I send my inquiries, is there a contact number?
You can reach us at our dedicated call centre, (+974) 4440 7777. For QNB First Customers, you can contact your dedicated Customer Relationship Executive or your 24/7 QNB First Members Care Center at +974 4440 7788,

Other Information

Question 31. Can supplementary card owners also earn and redeem points?
Holders of supplementary Life Rewards credit cards will earn points just like primary cards, which will be accumulated in the primary card holder’s points balance. Supplementary card holders can also redeem points from the total accumulated points.
Question 32. Can I stop my supplementary card to redeem Life Points?
The primary card holder has the option to turn this redemption functionality for supplementary cards off.
Question 33. Is Life Rewards available at associates, subsidiaries & affiliate QNB organizations?
Currently Life Rewards program is available for customers inside Qatar only and holding an active Life Rewards debit or credit card.

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