Germany
Malaysia
Turkey
Egypt
UK
Kingdom of Bahrain
KFH Rewards
KFH Rewards Prepaid Card is part of the KFH Rewards Program, where customers can earn 10 points for every KD 1 spent when using the card for all purchases, locally and internationally. Moreover, customers will receive 1,000 welcome points upon card issuance.
KFHOnline application
- Local & International transfers
- Open accounts and deposits
- Instant virtual cards issuance
- Buy and sell gold
- Cardless withdrawal and deposit
- Send and request money
Scan the QR code
A collection of services and tools to meet your requirements
In the news..
KFH Rewards Enriches Customer Experience with Exclusive Benefits and a Growing Network of Partners
Kuwait Finance House (KFH) continues to strengthen its leadership in innovative banking solutions through the expansion of its KFH Rewards program. The program delivers a seamless customer experience, turning daily card spending into valuable rewards. The program allows holders of eligible KFH credit cards, Hesabi prepaid cards, and rewards cards to automatically earn reward points on purchases, whether made in Kuwait, abroad, or online. Customers can easily manage and redeem their points through the KFH Rewards mobile app or official website, reflecting the bank's commitment to providing flexible, user-friendly digital services. Moreover, the program features a simple, motivating system where points calculation begins at just one Kuwaiti Dinar, offering up to 15 points per dinar spent. This approach boosts everyday transaction value, giving customers greater opportunities to accumulate points within short timeframes. To ensure a swift, seamless experience, points are credited within 48 hours of transaction completion. With a broad network of over 200 local and international brands across the retail, travel, dining, and entertainment sectors, KFH Rewards offers customers exceptional redemption flexibility. The Bank continues to expand its partner base to deliver more choices and exclusive offers that meet customer expectations. The program also offers diverse redemption options. Customers can use points for direct purchases or payments via POS terminals at KFH's network of merchant partners. Points can also be redeemed for travel and hotel bookings, car rentals, Oula Fuel Company stations, charitable donations, or transfers to other members. Additionally, points from specific categories can be transferred to other rewards programs, enhancing flexibility to suit various lifestyles. Divided into Black, Silver, and Green tiers, the program offers exclusive benefits tailored to each card type. This classification ensures customized experience for every customer segment, with higher tiers receiving enhanced privileges, particularly regarding travel and point transfers. In collaboration with program partners, KFH offers continuous promotions, double points, and exclusive discounts to help customers maximize daily purchases and accelerate points accumulation. This reflects the bank's commitment to enhancing customer experience and providing competitive rewards that elevate its banking services. KFH Rewards reaffirms the bank's commitment to digital transformation and customer aspirations by turning every financial transaction into a rewarding experience that adds real lifestyle value.
Euromoney Highlights KFH’s Leadership in Private Banking, Safety and Real Estate Financing
Euromoney highlighted Kuwait Finance House (KFH) as a leading force in Kuwait’s private banking sector, recognizing the bank’s achievements across private banking, wealth management, safety, and real estate financing through three prestigious awards: Best Private Bank, Safest Private Bank, and Best for Real Estate Financing in Kuwait. Best private bank Euromoney stated that KFH Private is the standout private bank in Kuwait, offering an authentic Islamic, end-to-end proposition at scale with clear client impact. During the review period, the bank completed its integration of Ahli United Bank and turned its Bahrain, UK and Egypt operations Shariah-compliant, for seamless cross-border banking. In 2024, KFH also restructured its local businesses into a unified private banking and wealth management group. These strategic moves have helped to position KFH as a leader in terms of client experience, Islamic banking, talent retention and scale. KFH’s Islamic banking proposition demonstrates considerable breadth. During the review period, KFH Capital led or arranged around $18 billion of sukuk for sovereigns and corporates and coordinated KFH’s own $1 billion issuance. Private clients have access to five Shariah compliant funds: these include two ijarah funds, two real estate funds and a USD money market fund. Salary transfer propositions other product launches combine innovation with Shariah compliance, while the KFH Turkey service centre removes friction for families with cross border ties Digital delivery is fast, secure and transparent within an Islamic framework. The KFH Wealth app and a new investment portal give a cleaner, faster view of holdings and subscriptions. Through KFHOnline, the bank has also added Western Union transfers, Mobile ID-Civil ID updates, push notifications, instant payments and KFH Pay for private banking clients. Business owners benefit from eCorp with public authority for civil information (PACI) integration, face ID sign in and live rates. KFH boasts the largest ATM network in Kuwait, whilst Tam is the market’s only fully Shariah-compliant digital banking. KFH’s emphasis on Islamic banking and its principles of stewardship read across to a deep commitment to environmental, social and governance (ESG) and sustainability. Governance in this area is rigorous: a board level Governance and Sustainability Committee oversees a Global Reporting Initiative (GRI) aligned, independently audited sustainability report. In 2024, ESG sukuk exposure rose 162.3% year-on-year to $653.2 million, supervised by the bank’s fully independent Fatwa and Shariah Supervisory Board. Safest private bank According to Euromoney, safety is a defining attribute of private banking in Kuwait, where wealthy clients place a premium on institutional strength, governance and long-term stability. KFH stands out as the country’s safest private banking platform, combining strong financial foundations with the disciplined risk culture associated with one of the region’s leading Islamic banking institutions. A key pillar of this reputation is the strength of KFH’s balance sheet, which provides a stable foundation for its private banking and wealth management activities. The bank’s stability is reinforced by a shareholder base that includes major Kuwaiti public institutions, such as the Kuwait Investment Authority and other government-linked entities, linking the institution closely to the strength of the state. In addition, the Central Bank of Kuwait provides deposit protection across Kuwaiti banks, further reinforcing client confidence. Beyond balance-sheet strength, KFH’s Shariah-compliant operating model also plays an important role in shaping its risk profile. Islamic finance principles impose structural discipline that aligns closely with conservative wealth management. Investments are screened for ethical compliance, excessive leverage is avoided and structures are designed around tangible underlying assets. This approach supports a quality-focused investment philosophy that helps limit extreme exposures during periods of market stress. Governance is equally central to KFH’s safety proposition. The bank operates a comprehensive three-lines-of-defence framework integrating risk management, compliance and internal controls across decision-making and product governance processes. Compliance teams review new offerings before launch, while Shariah advisory functions supported by internal and external audits provide an additional layer of oversight. Client protection is embedded throughout the private banking process. Suitability assessments link client objectives and risk profiles to recommended investments, supported by ongoing monitoring and portfolio adjustments. Meanwhile, a group-wide anti-money laundering and counter-terrorist financing framework aligned with Central Bank of Kuwait instructions supports rigorous onboarding, due diligence and transaction monitoring. By combining strong capitalisation, disciplined Shariah governance and rigorous compliance controls, the bank offers private clients a stable and resilient environment in which to manage and preserve their wealth. Best for real estate financing Euromoney stated that Kuwait Finance House’s (KFH) real estate financing capabilities offer scale, cross-border reach and fully Islamic execution. Customer exposure to construction and real estate rose 83.7% year-on-year in 2024, while on balance-sheet real estate investments increased 18.7%. Governance is rigorous, based on a formal three lines of defence framework, with day to day suitability safeguarded by Shariah Research & Advisory, Internal Shariah Audit and an External Shariah Auditor. For opportunity origination and pricing, the bank utilises both in house platforms such as KFH Real Estate and a network of established firms and asset managers to source, screen and price transactions. Through KFH Capital, private banking clients can access one of the region’s largest Shariah compliant real estate fund platforms, with more than KWD1.5 billion in assets under management (AUM). KFH also offers the market’s first and only listed Shariah compliant Reit, for investment grade exposure. The bank’s cross border pipeline includes a UK student housing fund and a US real estate fund, in addition to other non standard financings such as Kuwait state/usufruct industrial, and commercial and agricultural assets via ijarah. Cross border execution has been strengthened by KFH’s conversion of its Bahrain, UK and Egypt operations to Islamic banking, and by a 2025 memorandum of understanding (MoU) with Sakan – a digital real estate marketplace and mortgage enablement platform – to support Shariah compliant onboarding and listings.
KFH strengthens financial literacy through ongoing awareness initiatives
Reinforcing its leadership in financial literacy and social responsibility, Kuwait Finance House (KFH) continues to spearhead the national "Diraya" awareness campaign. Launched by the Central Bank of Kuwait and the Kuwait Banking Association, the initiative sees KFH deploying innovative tools and strategic outreach to strengthen financial and banking awareness across the community. Awareness pillars KFH geared its awareness plan towards several pillars to support Diraya campaign in response to the growing digital challenges, particularly cybersecurity and data security. Promoting financial literacy KFH increased its awareness messages which urged customers to refrain from responding to messages with suspicious links or sharing OTP or passwords with third parties. KFH also emphasized that banks never request personal customer information through links or phone calls. KFH’s efforts played a prominent role in promoting financial literacy and increasing awareness as well as advising customers to remain vigilant of the cyber fraud modern methods to avoid falling victim to such practices. Furthermore, KFH advised customers to disregard any requests for banking details made through phone calls or social media, identifying such solicitations as fraudulent efforts to steal personal data and account information. Additionally, KFH continued its awareness initiatives encouraging customers to verify the authenticity of websites prior to entering any personal information. AI-powered fraud attempts KFH intensified its efforts to warn the public against new fraud attempts that involve the use of advanced AI tools to replicate the voices of real individuals with a high degree of accuracy. These voice imitations are used to contact friends or family members through phone calls or social media, often accompanied by urgent requests to transfer money. The lifelike nature of these interactions may give the impression of authenticity and credibility. KFH called for the highest levels of caution and urged customers to verify the identity of the person requesting a financial transaction. Internal awareness KFH’s endeavors to warn against fraud attempts encompassed sharing awareness emails to its employees. These emails present concise and engaging content aiming to raise awareness of cyber fraud risks and warn against suspicious calls that seek to deceive employees and obtain their information. Initiatives and forums KFH also continued its active participation in initiatives that promote banking awareness, including its support for Kuwait's largest cybersecurity hackathon for the third consecutive year. During the event, KFH highlighted the concept of fraud in general and cyber fraud in particular, addressing its various forms that pose risks to individuals and society. Moreover, KFH participated in the 12th eGovernment Forum titled “AI-Powered Information Security Services”, demonstrating its role in reinforcing cybersecurity. Digital channels KFH recorded a significant milestone in its awareness efforts for Diraya campaign, leveraging its digital channels and official social media accounts as educational and awareness platforms for the public. Through these channels, KFH delivered distinctive awareness content. With the introduction of its new digital services, KFH published a series of successful awareness messages on these newly launched services such as instant issuance of prepaid and credit cards, WAMD service, and instant transfers through the gulf payment system, AFAQ. The Bank also released several educational videos on how to use and benefit from digital financial solutions available on KFHOnline, which can be viewed through its official social media accounts @kfhgroup. Financial awareness for kids As part of its support for the Diraya campaign, KFH partnered with Hzaya Bookstore, which specializes in children's books, to launch content dedicated to children. The initiative aims to raise awareness and teach children the basics of early savings and financial planning In cooperation with Hzaya, KFH also organized an innovative, practical, and interactive program for Baiti account customers. Social engagement and measurable impact Reaffirming its leadership in supporting Diraya campaign, KFH continued its initiatives to measure banking awareness among the public through several programs and activities. These included awareness initiatives for its PR Academy participants, Kuwait University students, students participating in Ma’a Attalaba competition, as well as participants in the Derasti Exhibition, held at Kuwait International Fair in Mishref. KFH also organized awareness programs for CODED Academy students during the Bank’s participation in the Kuwait Codes initiative. Record engagement levels KFH’s efforts in supporting Diraya campaign resulted in achieving record engagement levels, with awareness messages reaching millions of followers. This contributed effectively to changing financial behavior toward greater caution and awareness. It is also worth noting that KFH, through its leading role in Diraya campaign, reiterates its pivotal role in prioritizing customers and public safety. Additionally, the success in spreading digital and banking awareness reflects KFH’s pioneering vision of transforming its platforms into educational channels that contribute to creating a safe and sustainable financial environment.
KFH Supports Youth's Academic Future through Strategic Partnership with Wajhni
Kuwait Finance House (KFH) continues its strategic partnership with the Ministry of Higher Education and Scientific Research through its participation in the 2026 Wajhni national external scholarship campaign. This partnership reaffirms KFH`s leading social role and its ongoing commitment to supporting education and empowering youth. Held over five days at The Avenues, the campaign attracted strong interest from students and parents, welcoming more than 5,000 participants. The campaign helped raise awareness of sound academic planning and introduced students to the educational opportunities available through external scholarship programs. KFH also participated in the opening of the Technical Support Center at Sanabil Tower, providing technical assistance to students during the Ministry’s scholarship registration period. Dr. Bader Hasan Al-Busairi, Undersecretary Ministry of Higher Education, praised KFH’s contributions and partnership with the Ministry, as well as its leading role in supporting students. He emphasized the Ministry’s commitment to continuing this cooperation in a manner that serves the best interests of students. Meanwhile, Head of Group Public Relations and Media at KFH, Yousef Abdullah Al-Ruwaieh, said that the Bank's strategic partnership with the Wajhni campaign reflects its firm belief that education is the most sustainable investment in Kuwait's future. He added that supporting education and empowering students remain among the key pillars of KFH's corporate social responsibility (CSR) strategy. Al-Ruwaieh noted that education and the empowerment of students and youth are central to KFH's CSR strategy. He emphasized the Bank's continued support for specialized educational initiatives aimed at developing student skills and nurturing talent. These efforts include sponsoring school and university activities, as well as organizing awareness workshops on financial literacy and entrepreneurship. Furthermore, KFH supports training programs for students and recent graduates to prepare them for the job market, boost their innovation capabilities, and develop qualified national talent capable of driving sustainable development. At the Wajhni exhibition, KFH showcased a diverse range of products and services tailored to the needs and aspirations of young people. A dedicated team from KFH also engaged directly with students and parents, answering their inquiries about the Bank's services and initiatives that support their educational journey. Wissal Al-Zamel, Media Advisor to the Minister of Higher Education and Scientific Research, commended KFH for sponsoring Wajhni Campaign. She praised the Bank's national and social role in supporting students and enhancing academic awareness, noting that the partnership reflects the importance of collaboration between public and private sector institutions in serving young people and supporting their educational journey. Al-Zamel added that such strategic partnerships contribute to raising academic awareness and enabling students to make informed educational decisions that support their academic and professional future while advancing Kuwait's national development plans. It serves to note that KFH also sponsors a dedicated student support center at Sanabil Tower for students planning to study abroad. The center provides specialized guidance throughout the scholarship application process, assists with administrative procedures, and offers support in using relevant online platforms and digital services, helping students complete their study-abroad journey with greater ease, confidence, and efficiency.
