Alfursan
Saudi Arabian Airlines
VS
Mukafaat Albilad
Albilad Bank
Alfursan vs Mukafaat Albilad: which loyalty program wins?
We score Alfursan and Mukafaat Albilad 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
Alfursan is best for Frequent flyers, while Mukafaat Albilad is best for Premium Tamkeen Plus cardholders.
Skip Alfursan if Occasional travellers - miles expire after 24 months, and skip Mukafaat Albilad if Anyone with mada Classic/Gold or Tamkeen Platinum.
Overall rating
| Alfursan | Mukafaat Albilad | |
|---|---|---|
| Overall rating | 3.6 / 5 | 3.6 / 5 |
| Earning | 3.0 / 5 | 4.0 / 5 |
| Redemption | 4.0 / 5 | 4.0 / 5 |
| Network | 3.0 / 5 | 4.0 / 5 |
| Ease of use | 4.0 / 5 | 3.0 / 5 |
| Expiry | 4.0 / 5 | 2.0 / 5 |
Earning structure
| Alfursan | Earn miles based on flight distance and cabin class — from 25% of miles flown on Economy Saver up to 250% in First Class. Also earn miles via co-branded credit cards (Al Rajhi, Riyad Bank, Alinma, SNB, BSF, SAB, AmEx) and SkyTeam partner airlines. | |
|---|---|---|
| Mukafaat Albilad | Members earn Mukafaat Albilad points on every purchase, with rates varying significantly by card type. Tamkeen Plus Signature and Infinite credit cards earn 5 points per SAR domestic and 6.5 per SAR international - among the highest in Saudi banking. Tamkeen Plus Platinum earns 3.5/4.5 (domestic/international); Tamkeen Plus Classic 2.5/3.5. Albilad Signature/Infinite credit cards earn 3 points/SAR. Albilad Silver/Gold credit cards earn 1 point/SAR. Most mada debit cards earn 0 points on domestic purchases (1 point on international only — except Signature/Infinite mada which earn 3 points internationally). Uniquely among Saudi banks, points are earned on SADAD bill payments, government payment websites, Saudi Electric and National Water websites (not via SADAD), and fuel stations. |
Redemption structure
| Alfursan | Redeem for SAUDIA and SkyTeam award flights starting at 4,500 miles (one-way domestic Economy), cabin upgrades from 3,750 miles, extra baggage, and lounge access. Miles expire if a user is not active for 2 years. | |
|---|---|---|
| Mukafaat Albilad | Points redeem through six channels via the Mukafaat Albilad portal at albiladmukafaat.com or via the Albilad app: airline tickets across 550+ carriers, hotel bookings across 175,000+ hotels worldwide, retail shopping vouchers from leading merchants, transfer to airline frequent flyer programs, charity donations to participating organizations, and cashback at any merchant - use points to repay the value of recent purchases made via Albilad card at any POS within 7 days of the original transaction. Limited-time campaigns offer enhanced transfer rates, such as the June 2026 promotion giving 30% bonus Avios on Mukafaat-to-Avios transfers. Vouchers redeemed are typically non-refundable. Points cannot be used to pay credit card fees. |
Partner network · Tiers & status · Point expiry policy
| Alfursan | Mukafaat Albilad | |
|---|---|---|
| Number of partners | 0 | 0 |
| Partners | — | — |
| Number of tiers | 3 | 0 |
| Top tier | Gold “Elite Plus” | — |
| First-tier qualification | 20 flights | — |
| Point expiry | 24 months inactivity (reset on earn) | 12 months |