anb rewards vs Shukran: which loyalty program wins?

We score anb rewards and Shukran 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 Shukran is best for Mall shoppers.

Skip anb rewards if Anyone wanting long expiry - points last only 12 months, and skip Shukran if Shoppers outside Landmark brands.

Overall rating

	anb rewards	Shukran
Overall rating	3.6 / 5	3.5 / 5
Earning	3.0 / 5	2.0 / 5
Redemption	4.0 / 5	4.0 / 5
Network	4.0 / 5	4.0 / 5
Ease of use	4.0 / 5	4.0 / 5
Expiry	3.0 / 5	4.0 / 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.
Shukran	Members earn Shukrans on every purchase at Landmark Group brands and partners across the GCC, Jordan, and Egypt. The earn rate is tier-based: Classic members earn 17 Shukrans per 100 SAR, Silver 18, Gold 19, and Platinum 21 - equivalent to roughly 0.85% to 1.05% back.

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.
Shukran	Shukrans redeem at a fixed rate of 200 Shukrans = 10 SAR (1 Shukran = 0.05 SAR) at any participating Landmark Group brand or partner outlet across the GCC, Jordan, and Egypt - both in-store and online. Minimum redemption threshold is 200 Shukrans.

Partner network · Tiers & status · Point expiry policy

	anb rewards	Shukran
Number of partners	0	0
Partners	—	—
Number of tiers	0	4
Top tier	—	Platinum
First-tier qualification	—	750 SAR spend
Point expiry	12 months	12 months

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