anb rewards vs IHG® One Rewards: which loyalty program wins?

We score anb rewards and IHG® One Rewards 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 IHG® One Rewards is best for Frequent flyers.

Skip anb rewards if Anyone wanting long expiry - points last only 12 months, and skip IHG® One Rewards if Anyone wanting predictable redemption costs or daily-spend earning.

Overall rating

	anb rewards	IHG® One Rewards
Overall rating	3.6 / 5	3.2 / 5
Earning	3.0 / 5	3.0 / 5
Redemption	4.0 / 5	3.0 / 5
Network	4.0 / 5	4.0 / 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.
IHG® One Rewards	Members earn 10 base points per USD spent at most IHG brands. Extended-stay brands (Staybridge Suites, Candlewood Suites) earn 5 points/USD. Elite tier members receive bonus points: Silver +20%, Gold +40%, Platinum +60%, Diamond +100%. Saudi users do not have access to IHG-branded credit cards - the IHG Premier and Traveler cards from Chase are US-only. Members can also earn points through Hertz car rentals (1,500 bonus + 125-500 points/day), OpenTable dining reservations, and point purchases.

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.
IHG® One Rewards	Points redeem for hotel stays at 6,300+ IHG properties in 100+ countries. Variable point pricing applies (no published award chart since 2018) - redemption costs shift based on cash rates. Members can also use Points + Cash flexibility, transfer to 30+ airline partners (typically poor 5:1 or 10:1 ratios), redeem for gift cards, merchandise, or Hertz car rentals. Platinum and Diamond Elite members get exclusive access to promotional Reward Night discounts. IHG dropped fixed award charts in favor of variable dynamic pricing, making redemption costs less predictable than competitors.

Partner network · Tiers & status · Point expiry policy

	anb rewards	IHG® One Rewards
Number of partners	0	0
Partners	—	—
Number of tiers	0	5
Top tier	—	Diamond Elite
First-tier qualification	—	20,000 points
Point expiry	12 months	12 months inactivity (reset on earn)

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