AirRewards vs mokafaa: which loyalty program wins?

We score AirRewards and mokafaa on the same five factors — earning rate, redemption value, partner network, ease of use, and point expiry — to help you choose the right program for how you actually spend.

Verdict

AirRewards is best for Frequent economy flyers, while mokafaa is best for Everyday spending.

Skip AirRewards if Anyone wanting to earn through daily spend, and skip mokafaa if Travellers chasing airline miles.

Overall rating

	AirRewards	mokafaa
Overall rating	3.4 / 5	4.1 / 5
Earning	3.0 / 5	5.0 / 5
Redemption	4.0 / 5	3.0 / 5
Network	3.0 / 5	5.0 / 5
Ease of use	4.0 / 5	4.0 / 5
Expiry	3.0 / 5	3.0 / 5

Earning structure

AirRewards	Members earn up to 10% cashback as AirRewards points on every Air Arabia flight booking (and ancillary services like meals, baggage, and seat selection). The exact earn rate varies by fare type and route. Earning also extends to partner activities: 200 points per 100 AED with Union Insurance, up to 40 points per 100 AED at Kalyan Jewellers, 3 points per 10 AED via Buzzpay mobile recharges (UAE-focused), up to 6 points per USD with Sixt car rentals, up to 10,000 points per Rocketmiles hotel stay, up to 15 points per USD with Kaligo hotel bookings, and 4 points per Euro at Land of Fashion. Family accounts pool points across multiple members.
mokafaa	Members earn 1 Mokafaa point per 1 SAR spent on Al Rajhi credit, charge, prepaid, and low-limit cards across domestic and international transactions. Premium card products earn at accelerated rates. Bonus earning applies in specific categories: 10 points per SAR at Yelo auto leasing, 5 points per SAR on Zain postpaid bills, and 2 points per SAR on Zain prepaid recharges. Points also accrue on Al Rajhi banking products and services beyond card spend, including bill payments and transfers. SADAD payments, e-wallet transactions, fees, and cash advances are excluded from earning.

Redemption structure

AirRewards	Points redeem at the fixed rate of 100 AirRewards points = 1 USD, with no variability based on fare type, date, or route — a uniquely transparent value in airline loyalty. Points can be used for flights (every seat on every flight available, no blackout dates), meals, baggage, and additional services. Cash + Points option allows partial payment when point balance is insufficient. Family account members can pool points to redeem together. AirRewards points can also be transferred to Etihad Guest Miles for redemption within the broader Etihad network. Redemption is processed entirely through www.airarabia.com or the mobile app.
mokafaa	Points redeem at 250 Mokafaa points = 1 SAR across the partner network of 170+ direct merchants in Saudi Arabia, plus 600+ additional brands via the Resal app integration. Major redemption channels include eXtra (electronics), noon (e-commerce), e-vouchers, charitable donations, and merchandise. At partner stores, members redeem by sharing their registered mobile number with the cashier and confirming via OTP - no app or card required at checkout. Mokafaa points also transfer to Alfursan miles at 18 points per mile. Mokafaa points cannot be transferred to other accounts or converted to cash.

Partner network · Tiers & status · Point expiry policy

	AirRewards	mokafaa
Number of partners	0	0
Partners	—	—
Number of tiers	0	0
Top tier	—	—
First-tier qualification	—	—
Point expiry	—	12 months

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