Akthr vs Club Apparel: which loyalty program wins?

We score Akthr and Club Apparel 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

Akthr is best for Anyone wanting flexible redemption across airlines, hotels, and investment, while Club Apparel is best for Mall shoppers.

Skip Akthr if Anyone seeking high earn rates without a premium card, and skip Club Apparel if Bargain hunters who chase clearance.

Overall rating

	Akthr	Club Apparel
Overall rating	3.6 / 5	3.2 / 5
Earning	3.0 / 5	3.0 / 5
Redemption	4.0 / 5	3.0 / 5
Network	4.0 / 5	3.0 / 5
Ease of use	4.0 / 5	4.0 / 5
Expiry	3.0 / 5	3.0 / 5

Earning structure

Akthr	Cardholders earn Akthr points on every purchase, with rates varying significantly by card tier. Standard credit cards and the Traveler prepaid card earn 1 point per SAR. Intermediate tiers (Platinum, Signature) earn at higher rates. Infinite cards earn 6 points per SAR on domestic purchases and 7 per SAR on international - but Infinite cards are income-restricted and held by a small minority of customers. Members can also earn points through banking products and services beyond card spend. Welcome bonuses up to 10,000 points are offered to new members. Promotional doubling campaigns run periodically at supermarkets and partner merchants. Digital wallet top-ups do not earn points.
Club Apparel	The base earn rate is around 2% back, with up to 5% available at higher tiers and during promotional events like 5x points campaigns

Redemption structure

Akthr	Points redeem through multiple channels via the alinma app: cash to AlinmaPay wallet, partner POS discount codes via registered mobile number plus OTP (from as few as 2 points per code), e-vouchers and selected products, transfer to Alfursan miles, transfer to flynas naSmiles miles (24 Akthr points = 1 naSmiles mile), transfer to ALL Accor hotel rewards (22,000 Akthr = 1,000 ALL Reward Points, 5,500+ hotels worldwide), conversion to Alinma Capital investment wallet, charitable donations, hotel and car bookings, and gifting points to other registered Akthr members. Most redemption options have low or no minimum thresholds. The mobile-number-plus-OTP mechanic at partner POS is among the simplest redemption flows in Saudi banking.
Club Apparel	Points redeem instantly at checkout in any participating Apparel Group store by scanning the in-app barcode

Partner network · Tiers & status · Point expiry policy

	Akthr	Club Apparel
Number of partners	0	0
Partners	—	—
Number of tiers	0	3
Top tier	—	Platinum
First-tier qualification	—	10,000 SAR spend
Point expiry	12 months	12 months

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