14:30
M

Merit ID

Five journeys, each one end to end. Pick one, or press its number.

1
Earn points with a survey
Answer, get paid, see the balance move
›
2
Get a discount
Tier discount applied with no code
›
3
Get cashback
Card linked, paid by the bank after the purchase
›
4
Use a member benefit
Gold lounge access, opened at the door
›
5
Buy something online
The agent finds every kind of value at once
›
14:32
N
Noura Al-Harbi
@noura
✓ Verified

Value available to you

SAR1,284.00

Across 6 connected programmes

Instant rewards
3waiting
Offers ready
4
Benefits active
11
Highest tier
GoldAl Fursan
Your programmes
Al Fursan
Gold · 42,300 miles
SAR 423
Al Rajhi Mokafaa
31,400 points
SAR 314
Optimoji
14,200 points
SAR 142
Home
Programmes
Offers
Rewards
14:32

Instant rewards

Answer, and the value lands straight away. You choose every time.

Grocery brands, 3 questions
About 1 minute
+600points
Your last trip, 1 question
15 seconds
+250points
Rate a product you bought
20 seconds
+180points
Why anyone pays for this
Research firms buy panel answers. Merit already runs this for Nielsen. Your answers are anonymised before they leave Merit.
14:33

Grocery brands

600 points on completion

Where did you buy groceries last week?

Carrefour
Panda
Danube
An online grocery app
14:33

Grocery brands

600 points on completion

How often do you shop for groceries online?

Every week
Once or twice a month
A few times a year
Never
14:34

Grocery brands

600 points on completion

What decides the store you pick?

Price
How near it is
The rewards I get
The range it carries
14:34
+600

600 points, credited

Into Optimoji, live now. No waiting period.

Optimoji
14,200 → 14,800 points
+SAR 6.00
Three answers left Merit as anonymous panel data. Your name and your Merit ID did not.
14:35
N
Noura Al-Harbi
@noura
✓ Verified

Value available to you

SAR1,290.00

Up SAR 6.00 from one minute of answers

Instant rewards
2left
Earned today
600points
Your programmes
Optimoji
14,800 points
SAR 148
Al Fursan
Gold · 42,300 miles
SAR 423
Al Rajhi Mokafaa
31,400 points
SAR 314
Home
Programmes
Offers
Rewards
11:04
N
Noura Al-Harbi
@noura
✓ Gold

Value available to you

SAR1,284.00

Across 6 connected programmes

Offers ready
4
Benefits active
11
Ready on your next basket
5% off at partner stores
Because you hold Gold
Open
10% back at electronics
SAIB card linked offer
Open
4% cashback
Mokafaa, any store
Open
Home
Programmes
Offers
Rewards
11:04
Al Fursan Gold
Tier benefit

5% off

At every store in the Merit partner network

How it works
✓
No code, ever
Merit ID proves your tier at the till. The price you see is already yours.
✓
Works on any Merit connected store
Online and in store. 340 partners today.
✓
Stacks with points and cashback
Merit orders them so nothing is wasted.
Where to use it now
MAZAYA Home
Appliances and kitchen
5% off
Carrefour
Groceries
5% off
11:05
MZ
MAZAYA Home
Merit partner
Search MAZAYA Home
Kitchen
Living
Bedroom
Dining
Outdoor
Coffee and espresso
Espresso machine, 15 bar
SAR 855.00 900
4.7 · 410 ratings
Coffee grinder, conical burr
SAR 313.50 330
4.5 · 220 ratings
Milk frother, stainless
SAR 132.05 139
4.2 · 95 ratings
Filter coffee maker, 1.2 L
SAR 189.05 199
4.0 · 130 ratings
11:06
MAZAYA Home
Merit partner
DE LONGHI

Espresso machine, 15 bar

4.7 · 410 ratings · 1,900 sold
SAR 855.00
SAR 900.00
Your Gold price, applied by Merit ID
Finish Stainless
Stainless
Matte black
Cream
Cup capacity 2 cups
1 cup
2 cups
4 cups
Add a grinder No
No
Yes, SAR 313.50
Al Fursan funds this 5%. MAZAYA still receives the full SAR 900.
−1+
11:07
Your basket
1 item
Espresso machine, 15 bar
Stainless · 2 cups · qty 1
SAR 900.00
SubtotalSAR 900.00
Al Fursan Gold, 5%-SAR 45.00
DeliverySAR 0.00
TotalSAR 855.00
No promo code field, on purpose
Merit ID proved your tier when the page loaded.
11:07
Checkout
Step 1 of 2
Deliver to
Home
Default
Noura Al-Harbi
7412 Al Olaya, Al Murabba
Riyadh 12613 · +966 5X XXX 4419
Office
King Fahd Road, Tower 2, floor 14
Riyadh 12331
When
Saturday
10:00 to 13:00
Sunday
16:00 to 19:00
Delivery is free because you hold Gold. That is a second tier benefit, running quietly next to the 5%.
11:08
Checkout
Step 2 of 2
Pay with
VISA
SAIB Visa Infinite
Ending 4417
MC
Al Rajhi Mastercard
Ending 9082
Espresso machine, stainlessSAR 900.00
Al Fursan Gold, 5%-SAR 45.00
Delivery, Saturday 10:00SAR 0.00
TotalSAR 855.00
No code entered
Merit ID proved your tier to MAZAYA. The store never saw your Al Fursan account.
11:08
✓

SAR 855.00 paid

MAZAYA Home order 51 8807

Arriving Saturday, 10:00 to 13:00
Payment confirmed
Today 11:08
Preparing your order
Today
Out for delivery
Saturday morning
What happened to the price
Listed price
SAR 900.00
Gold discount, 5%
Funded by Al Fursan
-SAR 45.00
You paid
SAR 855.00
11:09

Where the money went

✓
MAZAYA received SAR 900.00
The store is not out of pocket, so the offer stays on.
✓
Al Fursan paid the SAR 45.00
It buys tier loyalty, and it is cheaper than issuing miles.
✓
Merit settled between them
Merit holds none of it. It proved the tier and moved the money.
Why this matters to a merchant
Basket size, Gold members
MAZAYA, last quarter
+34%
Discount cost to MAZAYA
SAR 0.00
New customers from Merit
First purchase at this store
61%
11:10
N
Noura Al-Harbi
@noura
✓ Gold

Saved with your tier this year

SAR1,847.50

Across 23 purchases, none of them with a code

Recent
MAZAYA Home
Today
-SAR 45.00
Carrefour
22 August
-SAR 18.40
MAZAYA Home
14 August
-SAR 32.00
Keep Gold and this keeps running. Merit shows the tier, the issuer pays for it.
Home
Programmes
Offers
Rewards
09:12

Offers and benefits

Turn one on once. Merit applies it every time after that.

4% cashback, any store
Al Rajhi Mokafaa · not active yet
Set up
10% back at electronics
Active on your Visa Infinite
Gold benefits
5% partner discount, free delivery
Cashback is not a discount
A discount changes the price you pay. Cashback comes back to you after the purchase, and the bank pays it.
09:12
Al Rajhi Mokafaa
Card linked offer

4% back

On every purchase, any store, up to SAR 200 a month

What Merit needs
✓
Your Mokafaa account, already connected
Linked on 4 March. No new sign up.
✓
Permission to watch for matching purchases
Merit sees that a purchase happened, and its amount. Not your basket.
Which card to link
MC
Al Rajhi Mastercard
Ending 9082
VISA
SAIB Visa Infinite
Ending 4417

Al Rajhi pays this cashback. Merit connects the card to the offer and never holds the money.

09:13

Cashback is on

Nothing else to do. Just pay with the card ending 9082.

✓
Card 9082 linked to the offer
✓
Token issued to Al Rajhi, revocable by you
✓
Merit will match your purchases automatically
✓
Cap set at SAR 200 this month
You never enter a code and you never claim anything. The offer runs in the background from here.
18:41
Thursday 27 August
18:41
Merit ID
now
Cashback coming on your Panda purchase
SAR 250.00 paid with your card 9082. Merit matched it to your 4% Mokafaa offer.
You did not open the app. Merit saw the transaction and matched it.
Swipe up to open
18:42

Cashback

On the way to you
SAR 10.00
Pending
The purchase
Panda, Al Olaya
Today 18:41 · card 9082
SAR 250.00
Where it is
Purchase made
Today 18:41
Matched to your Mokafaa offer
Today 18:41, by Merit
Waiting for Al Rajhi to settle
Usually under 48 hours
Points credited to Mokafaa
1,000 points, SAR 10.00

Al Rajhi pays this. Merit shows you where it is, so you are not left wondering.

09:02
+10

SAR 10.00 cashback, paid

1,000 Mokafaa points, credited by Al Rajhi this morning.

Al Rajhi Mokafaa
31,400 → 32,400 points
+SAR 10.00
This month
Cashback earned
4 purchases
SAR 38.20
Cap remaining
Resets 1 September
SAR 161.80
09:03
N
Noura Al-Harbi
@noura
✓ Gold

Value available to you

SAR1,294.00

Up SAR 10.00, and you did nothing to claim it

Your programmes
Al Rajhi Mokafaa
32,400 points
SAR 324
Al Fursan
Gold · 42,300 miles
SAR 423
SAIB Rewards
18,600 points
SAR 186
Cashback keeps running while the card stays linked. Turn it off in Offers at any time.
Home
Programmes
Offers
Rewards
06:20
Al Fursan
Saudia loyalty
Gold

Miles

42,300

Gold until 31 December 2026

What Gold gives you
Airport lounge access
6 visits a year · 2 used
Use
5% off at partner stores
Applied at checkout, no code
Always on
Free delivery
Unlimited on partner stores
Always on
Priority support
Merit routes you first
Always on

Merit ID carries these outside Saudia. That is the point of holding them in one identity.

06:21

Airport lounge access

Visits left this year
4 of 6
Where you can use it
King Khalid International
Terminal 5 · Wellcome Lounge
You are here
King Abdulaziz International
Terminal 1
Open
Dubai International
Terminal 3, concourse B
Open
Your boarding pass is not needed. Merit ID proves the tier, and the lounge reads it at the door.
06:22

Lounge pass

Wellcome Lounge
King Khalid International, T5
Member
Noura Al-Harbi
Tier
Al Fursan Gold
Valid
Today, until 23:59
Visit
3 of 6
MID 4K7Q 2X09 8813
Hold this at the reader

The lounge sees a valid Gold tier and nothing else. Not your miles, not your card, not your travel history.

06:23
✓

Welcome, Noura

Wellcome Lounge, Terminal 5

Verified in
Merit ID, at the door
1.2s
Proof shown
Al Fursan Gold, valid today
Tier only
Visits left
Resets 1 January
3
No boarding pass, no membership card, no queue
The lounge asked one question. Merit ID answered it.
06:25

Your benefits

Used today
Lounge access
Terminal 5 · 06:23
Visit 3 of 6
Waiting for you
Extra baggage, 10 kg
On your flight to Amman
Add
Airport transfer, free
SAIB Visa Infinite, twice a year
Book
Travel insurance
Included, activate before you fly
Activate
Three of these come from different companies
An airline, a bank and a rewards programme. You would have had to know about each one. Merit ID knows for you.
Home
Programmes
Benefits
Rewards
14:36
AQ
ASWAQ
Merit ID accepted
Search ASWAQ
Electronics
Home
Beauty
Grocery
Sport
Popular in Electronics
Wireless headphones, over ear
SAR 249.00
4.6 · 1,240 ratings
Smart speaker, compact
SAR 129.00
4.4 · 860 ratings
USB C cable, 2 m braided
SAR 22.00
4.7 · 3,110 ratings
Power bank, 20,000 mAh
SAR 79.00
4.3 · 540 ratings
14:37
Headphones
126 items
Sort: popular
Price
Brand
Over ear
Noise cancelling
Wireless headphones, over ear, black
SAR 249.00
4.6 · 1,240 ratings
Noise cancelling headphones, silver
SAR 399.00
4.5 · 610 ratings
Sport earbuds, sweat resistant
SAR 139.00
4.2 · 2,050 ratings
On ear headphones, foldable
SAR 189.00
4.1 · 320 ratings
14:38
ASWAQ
Merit ID accepted
AUDIOLINE

Wireless headphones, over ear, black

4.6 · 1,240 ratings · 3,400 sold
SAR 249.00
In stock · delivered tomorrow
Colour Black
Black
Sand
Navy
Warranty 2 years, included
2 years
+2 years, SAR 59
You may already hold value for this
Sign in with Merit ID at checkout. Nothing to enter now.
Details
Battery
38 hours
Connection
Bluetooth 5.3
Warranty
2 years
−1+
14:40
Your basket
3 items
Wireless headphones
Over ear, black · qty 1
SAR 249.00
Smart speaker
Compact, charcoal · qty 1
SAR 129.00
USB C cable, 2 m
Braided · qty 1
SAR 22.00
SubtotalSAR 400.00
DeliverySAR 0.00
TotalSAR 400.00
Merit ID accepted at checkout
Points, offers and tier benefits, applied in one pass.
14:40
Checkout
Step 1 of 2
Deliver to
Home
Default
Noura Al-Harbi
7412 Al Olaya, Al Murabba
Riyadh 12613 · +966 5X XXX 4419
Office
King Fahd Road, Tower 2, floor 14
Riyadh 12331
When
Tomorrow
09:00 to 12:00
Tomorrow
16:00 to 19:00
Delivery is free on this basket. Your Gold tier covers it, and Merit will show that at payment.
14:41
Checkout
Step 2 of 2
Pay with
VISA
SAIB Visa Infinite
Ending 4417 · expires 08/29
MC
Al Rajhi Mastercard
Ending 9082 · expires 03/28
Before you pay

Merit ID does not replace your card. It finds value to apply to this basket, then your card pays the rest.

SubtotalSAR 400.00
Delivery, tomorrow 09:00SAR 0.00
TotalSAR 400.00
14:41
AQ
Checkout
AQ
···

ASWAQ wants to check your Merit ID

You are already verified. There is no new sign up.

✓
Your name, and that you are verified
Not your address book, not your other stores.
✓
The value Merit can apply to this basket
ASWAQ sees the amount, not which programmes it came from.

This basket only. Ask again next time.

14:41
AQ
Checkout

Looking at what you hold

Across 6 programmes, 2 cards and your Gold tier.

✓
Read 6 balances, live
✓
Checked tier benefits accepted at ASWAQ
✓
Found 2 card linked offers not yet used
✓
Compared burn rates across programmes
✓
Ranked earn on both your cards
✓
Ordered everything so nothing is wasted
14:41
AQ
Checkout
Merit found
SAR 91.00
You pay
400309.00
Applied to this basket
2,500 Peoppl points
Best burn rate of your 6 programmes
-SAR 25.00
Card linked offer, 10% back
SAIB Visa Infinite · you never activated this
-SAR 30.00
Mokafaa cashback, 4%
Paid by the bank, not by the store
-SAR 16.00
Gold benefit, 5% partner discount
Attached to your tier, no code needed
-SAR 20.00

Every programme keeps its own value. Merit applies it in the order that wastes the least.

14:42
AQ
Checkout

Pay with this card

Same SAR 309. One of them earns you more back.

VISA
SAIB Visa Infinite
Ending 4417
Earns 1,500 points, SAR 15.00
MC
Al Rajhi Mastercard
Ending 9082
Earns 620 points, SAR 6.20
One question after you pay
+250
Answer it on the receipt and the points land instantly.

Charged to SAIB Visa Infinite ending 4417.

14:42
✓

Order placed

ASWAQ 84 2219 · SAR 309.00 paid

Arriving tomorrow, 09:00 to 12:00
Payment confirmed
Today 14:42
Packing at the Riyadh warehouse
Today, within 3 hours
Out for delivery
Tomorrow morning
Delivered to Home, Al Olaya
Tomorrow 09:00 to 12:00
Wireless headphones
Qty 1
Smart speaker
Qty 1
USB C cable, 2 m
Qty 1
14:43

Order 84 2219

What Merit did for you
Basket
SAR 400.00
Value Merit found
4 sources, 3 you had not used
-SAR 91.00
You paid
SAR 309.00
What you earned back
1,500 SAIB points
On this purchase
+SAR 15.00
250 points, survey answered
Credited instantly
+SAR 2.50
Gold tier progress
1,240 of 2,000 to Platinum
62%
Net cost of this basket: SAR 291.50
You did not clip a coupon, open an app, or check a balance.
14:44
N
Noura Al-Harbi
@noura
✓ Gold

Value available to you

SAR1,276.50

25 spent on the basket, 17.50 earned back

Moved just now
Peoppl
12,050 → 9,550 points
-SAR 25.00
SAIB Rewards
18,600 → 20,100 points
+SAR 15.00
Optimoji
14,200 → 14,450 points
+SAR 2.50
Al Rajhi Mokafaa
Cashback settling
Pending
Four companies moved value on one purchase. The member made one decision.
Home
Programmes
Offers
Rewards
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