Asia Miles vs Mukafaat Albilad: which loyalty program wins?

We score Asia Miles 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

Asia Miles is best for Premium-cabin redemption seekers who travel to East, while Mukafaat Albilad is best for Premium Tamkeen Plus cardholders.

Skip Asia Miles if Anyone wanting to earn through daily spend, and skip Mukafaat Albilad if Anyone with mada Classic/Gold or Tamkeen Platinum.

Overall rating

	Asia Miles	Mukafaat Albilad
Overall rating	3.9 / 5	3.6 / 5
Earning	3.0 / 5	4.0 / 5
Redemption	5.0 / 5	4.0 / 5
Network	5.0 / 5	4.0 / 5
Ease of use	3.0 / 5	3.0 / 5
Expiry	3.0 / 5	2.0 / 5

Earning structure

Asia Miles	Members earn Asia Miles by flying Cathay Pacific (direct from Riyadh to Hong Kong) and on 15+ oneworld alliance partners including Qatar Airways, British Airways, American, JAL, Qantas, Iberia, Finnair, Cathay Pacific, and Royal Jordanian. Earning rate depends on flight distance, cabin class, and fare type (Economy: 25-100% of flown miles; premium cabins up to 200%). Status Points (separate from miles) are earned on Cathay/partner flights for tier qualification. Members can also transfer points to Asia Miles from Marriott Bonvoy (3:1 ratio, 5,000 bonus per 60,000 transfer), Hilton Honors, and Amex Membership Rewards (5:4 ratio, March 2026 update). No Saudi bank issues a Cathay co-branded credit card — the Standard Chartered Cathay Mastercard is Hong Kong-only.
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

Asia Miles	Asia Miles redeem according to three fixed award charts: Cathay Pacific-operated flights (distance-based), airline partners (zone/distance-based), and oneworld multi-carrier awards (for round-the-world tickets). Cathay's Economy short-haul Asia routes from 7,000 miles one-way; Business HKG-Sydney for 58,000; Business HKG-LHR for 88,000; First HKG-LHR for 125,000. Most premium-cabin partner awards deliver outsized value. Fuel surcharges apply on most redemptions and are priced by region. Online booking for Cathay and many oneworld partners; some partner awards require calling Asia Miles. Round-the-world award tickets uniquely available. Members can also redeem for cabin upgrades, extra legroom seats, baggage allowance, hotel stays, car rentals, and merchandise.
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

	Asia Miles	Mukafaat Albilad
Number of partners	0	0
Partners	—	—
Number of tiers	5	0
Top tier	Diamond Exec	—
First-tier qualification	300 points	—
Point expiry	18 months inactivity (reset on earn)	12 months

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