anb rewards vs Hilton Honors: which loyalty program wins?

We score anb rewards and Hilton Honors 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 Hilton Honors is best for Frequent flyers.

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

Overall rating

	anb rewards	Hilton Honors
Overall rating	3.6 / 5	3.8 / 5
Earning	3.0 / 5	3.0 / 5
Redemption	4.0 / 5	4.0 / 5
Network	4.0 / 5	5.0 / 5
Ease of use	4.0 / 5	4.0 / 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.
Hilton Honors	Members earn 10 base points per USD spent at most Hilton brand properties (Hilton, Hampton, DoubleTree, Embassy Suites, Conrad, Waldorf Astoria, and others). Earnings drop to 5 points/USD at Home2 Suites, Homewood Suites, Spark, Tru, and Apartment Collection brands, and 3 points/USD at LivSmart Studios. Elite tier members receive bonus points: Silver +20%, Gold +80%, Diamond +100%, Diamond Reserve +120%. Points also earned on hotel incidentals (dining, spa, laundry) charged to the room. Saudi users don't have access to a Hilton-branded credit card - Hilton's four Amex cards are US-only. Points can be purchased (up to 160,000 per year).

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.
Hilton Honors	Points redeem for hotel stays at 9,000+ Hilton properties in 142 countries. Standard rooms use variable point pricing (not a fixed award chart since 2020). The Points + Money slider lets members part-pay with cash, useful when short on points. Free Night Rewards from credit cards (US-only) provide alternative redemption. Members can also transfer points to airline partners (10:1 ratio, typically 10,000 Hilton = 1,000 airline miles) - partners include Saudia Alfursan, British Airways Avios, Air France-KLM Flying Blue, ANA, Cathay Asia Miles, Korean Air, Virgin Atlantic, and more. Experience redemptions (concerts, sports, dining) available. Silver+ members get 5th-night-free on award stays.

Partner network · Tiers & status · Point expiry policy

	anb rewards	Hilton Honors
Number of partners	0	0
Partners	—	—
Number of tiers	0	5
Top tier	—	Diamond Reserve
First-tier qualification	—	4 stays
Point expiry	12 months	24 months inactivity (reset on earn)

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