Tabby and Tamara, head to head
Split-payment apps have become the default checkout option across Saudi Arabia and the UAE, and both Tabby and Tamara are pushing aggressive cashback campaigns to win loyalty. We tracked both across 30 days of checkouts at Noon, Namshi, and SHEIN to see which actually pays out more.
Where Tabby wins
Tabby's cashback tends to run higher on fashion and beauty — often 5–8% versus Tamara's 3–5% on the same stores during non-promotional periods.
Tabby
Fashion & Beauty
5–8% cashback, more often
Store coverage
Wider partner network in KSA
Tamara
Electronics
Stronger 0%-installment deals
Big-ticket items
Higher installment limits
Where Tamara wins
Tamara has stronger partnerships with electronics retailers and runs more frequent 0% extra-installment promotions on big-ticket items.
Our recommendation
Use both — install both apps and let the store dictate which app to check out with. Compare the displayed cashback rate before placing eligible orders over 200 SAR.