anb rewards vs Asia Miles: which loyalty program wins?

We score anb rewards and Asia Miles 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

anb rewards is best for Anyone wanting transparent transfer rates to airline and telecom programs, while Asia Miles is best for Premium-cabin redemption seekers who travel to East.

Skip anb rewards if Anyone wanting long expiry - points last only 12 months, and skip Asia Miles if Anyone wanting to earn through daily spend.

Overall rating

	anb rewards	Asia Miles
Overall rating	3.6 / 5	3.9 / 5
Earning	3.0 / 5	3.0 / 5
Redemption	4.0 / 5	5.0 / 5
Network	4.0 / 5	5.0 / 5
Ease of use	4.0 / 5	3.0 / 5
Expiry	3.0 / 5	3.0 / 5

Earning structure

anb rewards	Members earn anb rewards points on credit card spend, with rates by card type: Titanium Mastercard 1 point per SAR domestic and 1.5 international; Platinum Mastercard 1.5 points domestic and 2 international; World Elite Mastercard 1.5 points domestic and 2.5 international. Points also accrue on other banking activities: personal and home loans, current accounts, bill payments, transfers, and other anb banking products. Affluent banking customers (Platinum Program) earn additional bonus points up to 500,000 points when maintaining 100,000+ SAR average balance for 3 months. Points typically post within one month of the transaction. Enrollment is free and required to start earning.
Asia Miles	Members earn Asia Miles by flying Cathay Pacific (direct from Riyadh to Hong Kong) and on 15+ oneworld alliance partners including Qatar Airways, British Airways, American, JAL, Qantas, Iberia, Finnair, Cathay Pacific, and Royal Jordanian. Earning rate depends on flight distance, cabin class, and fare type (Economy: 25-100% of flown miles; premium cabins up to 200%). Status Points (separate from miles) are earned on Cathay/partner flights for tier qualification. Members can also transfer points to Asia Miles from Marriott Bonvoy (3:1 ratio, 5,000 bonus per 60,000 transfer), Hilton Honors, and Amex Membership Rewards (5:4 ratio, March 2026 update). No Saudi bank issues a Cathay co-branded credit card — the Standard Chartered Cathay Mastercard is Hong Kong-only.

Redemption structure

anb rewards	Points redeem through multiple channels via the anb app: e-vouchers across a wide partner catalog (restaurants, hotels, pharmacies, travel, retail), cashback deposited directly to the credit card account, charity donations to registered organizations, peer-to-peer transfer to family and friends enrolled in the program, pay-with-points at partner outlets by providing the registered mobile number and confirming via OTP, and transfer to airline and telecom loyalty programs including Alfursan, Qitaf, and flynas naSmiles (each with publicly disclosed conversion rates). E-vouchers redeemed are valid for 1 year from redemption and are non-refundable. Members can supplement insufficient point balances at partner POS using mada or credit card.
Asia Miles	Asia Miles redeem according to three fixed award charts: Cathay Pacific-operated flights (distance-based), airline partners (zone/distance-based), and oneworld multi-carrier awards (for round-the-world tickets). Cathay's Economy short-haul Asia routes from 7,000 miles one-way; Business HKG-Sydney for 58,000; Business HKG-LHR for 88,000; First HKG-LHR for 125,000. Most premium-cabin partner awards deliver outsized value. Fuel surcharges apply on most redemptions and are priced by region. Online booking for Cathay and many oneworld partners; some partner awards require calling Asia Miles. Round-the-world award tickets uniquely available. Members can also redeem for cabin upgrades, extra legroom seats, baggage allowance, hotel stays, car rentals, and merchandise.

Partner network · Tiers & status · Point expiry policy

	anb rewards	Asia Miles
Number of partners	0	0
Partners	—	—
Number of tiers	0	5
Top tier	—	Diamond Exec
First-tier qualification	—	300 points
Point expiry	12 months	18 months inactivity (reset on earn)

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