anb rewards
Arab National Bank
VS
Mukafaat Albilad
Albilad Bank
anb rewards vs Mukafaat Albilad: which loyalty program wins?
We score anb rewards 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
anb rewards is best for Anyone wanting transparent transfer rates to airline and telecom programs, while Mukafaat Albilad is best for Premium Tamkeen Plus cardholders.
Skip anb rewards if Anyone wanting long expiry - points last only 12 months, and skip Mukafaat Albilad if Anyone with mada Classic/Gold or Tamkeen Platinum.
Overall rating
| anb rewards | 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 | 4.0 / 5 | 4.0 / 5 |
| Ease of use | 4.0 / 5 | 3.0 / 5 |
| Expiry | 3.0 / 5 | 2.0 / 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. | |
|---|---|---|
| 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
| 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. | |
|---|---|---|
| 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
| anb rewards | Mukafaat Albilad | |
|---|---|---|
| Number of partners | 0 | 0 |
| Partners | — | — |
| Number of tiers | 0 | 0 |
| Top tier | — | — |
| First-tier qualification | — | — |
| Point expiry | 12 months | 12 months |