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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
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In the news..
KFH Organizes the Largest Honor Ceremony for Top High School Graduates
Kuwait Finance House (KFH) has organized its largest-ever honor ceremony to celebrate approximately 130 outstanding high school graduates in the Arts, Sciences, and Religious Studies streams for the 2025-2026 academic year. The event also recognized students from special education schools and those who gained international acclaim. The ceremony took place under the patronage of Minister of Education, Eng. Sayed Jalal Al-Tabtabei. It was attended by KFH Deputy Group CEO Transformation, Technology and Operations, Haytham Alterkait, Head of Group Public Relations and Media at KFH, Yousef Abdullah Al-Ruwaieh, the Ministry of Education representative, Mohammad AlKhaldi, and the Assistant Undersecretary for Educational Development at the Ministry, Maryam Al-Enezi. In his address, Engineer Mohammad AlKhaldi, representing His Excellency the Minister of Education, commended KFH’s pivotal role in nurturing student potential and empowering Kuwaiti youth. He expressed deep appreciation for the bank’s sustained contributions to educational advancement and academic excellence through initiatives that motivate top achievers and celebrate their accomplishments. AlKhaldi highlighted that KFH continues to spearhead impactful educational programs and strategic partnerships. These efforts, he noted, advance sustainable development, cultivate a culture of excellence and innovation, and invest in the nation’s future talent. Meanwhile, Head of Group Public Relations and Media at KFH, Yousef Abdullah Al-Ruwaieh congratulated the distinguished graduates and their families on their remarkable success. He extended gratitude to the Ministry of Education for its ongoing collaboration and commitment to the initiative’s success. “This annual ceremony exemplifies the strength of public-private partnership,” Al-Ruwaieh stated. “It stems from KFH’s pioneering community role and its deep appreciation for academic excellence. By empowering youth, we reinforce our conviction that education and human capital development are fundamental pillars of our social responsibility strategy.” Al-Ruwaieh emphasized that young people represent the nation’s greatest asset and its future architects. He underscored KFH’s distinguished track record in corporate social responsibility, citing its high-caliber initiatives that target diverse societal segments, bolster educational progress, and build national capabilities, further cementing the bank’s position as a benchmark in sustainability and social responsibility.
KFH Continues to Provide Safety Deposit Boxes for Customers
Kuwait Finance House (KFH) continues to receive customer reservations for safety deposit boxes, which offer the highest standards of protection and security during the summer travel season. These boxes provide a reliable means of safeguarding belongings against potential risks like theft, loss, damage, or unforeseen emergencies, allowing customers to travel and enjoy their summer with complete peace of mind. KFH safety deposit boxes are available at numerous branches throughout Kuwait. To suit varied customer needs, these boxes come in small, medium, and large sizes. They feature multi-layered security systems and round-the-clock, high-definition camera monitoring. Customers can access their boxes in complete privacy at any time during official bank working hours. KFH customers can rent safe deposit boxes tailored to their needs at competitive prices by applying at any branch or through the website. All visits and rentals are handled with the highest level of privacy and confidentiality, and the boxes are accessible solely by the owner or an authorized representative. KFH provides safe deposit boxes as part of an integrated solutions system designed to meet customer expectations. These boxes offer a reliable, highly private option for preserving valuables, reflecting the deep-rooted trust between the bank and its customers.
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.
