Akthr vs ICSAB+: which loyalty program wins?

We score Akthr and ICSAB+ 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 ICSAB+ is best for Households paying SADAD and government bills.

Skip Akthr if Anyone seeking high earn rates without a premium card, and skip ICSAB+ if Heavy spenders on groceries, fuel, and restaurants.

Overall rating

	Akthr	ICSAB+
Overall rating	3.6 / 5	3.6 / 5
Earning	3.0 / 5	4.0 / 5
Redemption	4.0 / 5	3.0 / 5
Network	4.0 / 5	4.0 / 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.
ICSAB+	Members earn ICSAB+ points across a wide range of activities: credit card spend (7.5–12.5 points per 100 SAR domestic, 10–15 points international, depending on card type), Mada debit card spend (0.5 points domestic, 1 point international per 100 SAR), digital banking registration and activity (10–40 points), paperless statement enrollment (10–20 points), ITM and e-Desk services (10 points each), AQSAT installment plans (10–30 points), IPO enrollment (20–40 points), and personal/home finance applications (100–200 points). Digital payment behavior boosts earnings: contactless +5%, digital wallet +10%, online purchases +15%, recurring digital payments +20%.

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.
ICSAB+	Points redeem through six channels via SAB Mobile or SAB Online: Instant ICSAB+ Cash (1,000 points = 70 SAR, deposited to account or credit card instantly via app or within 3 working days, 200 SAR minimum), Pay with ICSAB+ for SADAD and government payments directly through SAB, E-vouchers at 150+ merchants (1,000 points = 100 SAR — the highest-value path), Online Travel (flights, hotels, car rentals booked directly through the ICSAB+ portal, 1,000-point minimum), Charitable donations to Ehsan or Joodeskan (500 points = 50 SAR, no upper limit), and Points Exchange transfers to airline, hotel, and telecom partner programs. Travel redemptions cannot be cancelled or refunded once confirmed. Most other redemptions are also non-refundable. Redemption requires accepting program T&Cs on first use

Partner network · Tiers & status · Point expiry policy

	Akthr	ICSAB+
Number of partners	0	0
Partners	—	—
Number of tiers	0	0
Top tier	—	—
First-tier qualification	—	—
Point expiry	12 months	12 months

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