AMEX Membership Rewards
VS
mokafaa
Alrajhi Bank
AMEX Membership Rewards vs mokafaa: which loyalty program wins?
We score AMEX Membership Rewards 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
AMEX Membership Rewards is best for International travelers wanting premium-cabin redemptions and no expiry pressure, while mokafaa is best for Everyday spending.
Skip AMEX Membership Rewards if Anyone seeking the highest local earn rate or the lowest annual fees, and skip mokafaa if Travellers chasing airline miles.
Overall rating
| AMEX Membership Rewards | mokafaa | |
|---|---|---|
| Overall rating | 4.2 / 5 | 4.1 / 5 |
| Earning | 3.0 / 5 | 5.0 / 5 |
| Redemption | 5.0 / 5 | 3.0 / 5 |
| Network | 5.0 / 5 | 5.0 / 5 |
| Ease of use | 3.0 / 5 | 4.0 / 5 |
| Expiry | 5.0 / 5 | 3.0 / 5 |
Earning structure
| AMEX Membership Rewards | Cardholders earn 1 Membership Rewards point for every USD spent (approximately 3.75 SAR) at any establishment accepting American Express in Saudi Arabia and 200+ countries worldwide. Premium cards (Gold, Platinum, The Platinum Card, The Gold Card) offer enhanced earning on select categories such as dining, travel, and supermarkets - earning rates vary by specific card product. Welcome bonuses provide head-start points on enrollment, typically substantial. Amex Offers provide additional bonus points and statement credits at participating merchants. Some cards charge USD 25/year for Membership Rewards enrollment; others include it free. | |
|---|---|---|
| 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
| AMEX Membership Rewards | Points redeem through multiple channels: transfer to international airline frequent flyer programs (multiple major carriers, typically 1:1 ratio), transfer to global hotel loyalty programs (Marriott Bonvoy, Hilton Honors, ALL Accor), book travel directly via Amex's reward catalogue, redeem for digital gift cards from major retailers, pay annual card fees with points, donate to selected charities, or shop with points at AmexShop for electronics, accessories, and gifts. Minimum redemption is 1,000 points. The highest value typically comes from premium-cabin airline transfers, where points can deliver several times more value than cashback or shop-with-points options. Redemption is processed via the Amex Saudi Arabia app, online account, or by calling 800 124 2229. | |
|---|---|---|
| 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
| AMEX Membership Rewards | mokafaa | |
|---|---|---|
| Number of partners | 0 | 0 |
| Partners | — | — |
| Number of tiers | 0 | 0 |
| Top tier | — | — |
| First-tier qualification | — | — |
| Point expiry | Never expire | 12 months |