anb rewards vs Skywards: which loyalty program wins?

We score anb rewards and Skywards 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 Skywards is best for Frequent flyers.

Skip anb rewards if Anyone wanting long expiry - points last only 12 months, and skip Skywards if Domestic flyers.

Overall rating

	anb rewards	Skywards
Overall rating	3.6 / 5	3.9 / 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	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.
Skywards	Members earn Skywards Miles by flying with Emirates and flydubai (with Tier Miles for status qualification) and through 30+ partner airlines including Air Canada (full partnership December 2025), JetBlue, Korean Air, Cathay Pacific, Qantas, S7, and others (Skywards Miles only - no Tier Miles from partners). Earning also extends to hotel stays with Marriott Bonvoy, Hilton Honors, and ALL Accor; car rentals; dining partners; and retail. Saudi residents can transfer points from BSF Jana (500-point minimum, up to 200,000 per conversion) and anb rewards via published conversion rates. Tier bonuses: Silver +30%, Gold +75%, Platinum +100%. Members can also purchase miles. The Emirates Skywards Mastercard from Citi is US/Europe market 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.
Skywards	Miles redeem for award flights and upgrades on Emirates and flydubai, plus partner airlines (Air Canada, JetBlue, Korean, Cathay, Qantas, and 25+ more). Classic Rewards have fixed pricing; Flex Rewards have dynamic pricing with broader availability. Cash + Miles option allows partial payment for flights. Upgrade Rewards available on Emirates flights - particularly valuable on premium-cabin redemptions. First Class redemptions are restricted to Silver, Gold, and Platinum members (Blue members cannot book First). Members can also redeem for hotel stays via partners, car rentals, retail, sporting events, and cultural experiences. Fuel surcharges apply on most premium-cabin partner redemptions. Mile purchases available to supplement award costs.

Partner network · Tiers & status · Point expiry policy

	anb rewards	Skywards
Number of partners	0	0
Partners	—	—
Number of tiers	0	4
Top tier	—	Platinum
First-tier qualification	—	25,000 points
Point expiry	12 months	36 months inactivity (reset on earn)

Open in loyaup