Avios vs stc tamayouz: which loyalty program wins?

We score Avios and stc tamayouz 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

Avios is best for Frequent travelers, while stc tamayouz is best for High-spend stc customers paying > 2,000 SAR/month.

Skip Avios if Saudi residents who don't travel internationally.

Overall rating

	Avios	stc tamayouz
Overall rating	4.4 / 5	2.6 / 5
Earning	3.0 / 5	2.0 / 5
Redemption	5.0 / 5	3.0 / 5
Network	5.0 / 5	2.0 / 5
Ease of use	4.0 / 5	3.0 / 5
Expiry	5.0 / 5	3.0 / 5

Earning structure

Avios	Members earn Avios on Qatar Airways flights - earning rates vary by route, fare class, and booking class. Earnings also accrue on flights with oneworld alliance partners (American Airlines, British Airways, Cathay Pacific, Japan Airlines, Qantas, Iberia, Finnair, Royal Jordanian, and others) and on 90+ global partners including hotels (Marriott, IHG), car rentals (Hertz, Avis), retail, dining, and financial services. Avios are credited up to two hours before takeoff after check-in. Members can also purchase Avios to top up their balance, gift them to family and friends, or transfer between accounts. There is no Saudi bank co-branded credit card for Avios as of 2026.
stc tamayouz	Members earn 1 Tamayouz Membership Point for every 1 SAR paid on stc bills within 28 days of bill issuance. Payments after the 28-day window do not earn points. Tier thresholds within a calendar year: Gold (7,800 points), Platinum (24,000 points), Diamond (48,000 points)

Redemption structure

Avios	Avios redeem on Qatar Airways and oneworld alliance flights worldwide - economy, business, and first class. Cabin upgrades to Business class on Qatar Airways are available. Cash + Avios allows part-payment for flights, giving flexibility on Avios-poor or last-minute bookings. At Qatar Duty Free in Hamad International Airport (Doha), Avios redemptions save up to 20% on luxury brands and dining. Members can also redeem at the Privilege Club Collection (lifestyle merchandise) and convert Avios with partner programs. Expired Avios can be revalidated at USD 0.015 per Avios - unique flexibility among airline programs.
stc tamayouz	Tamayouz Membership Points themselves are not redeemable - they only determine tier status. Tier benefits are delivered as monthly free-service allowances managed through the "tamayouz keys" system: each member receives 100 keys per period to allocate across calls, SMS, domestic data, international minutes, GCC and international roaming data, scholarship-country call reception, ringback tones, and call screening. Diamond and Platinum members also receive free GCC and international roaming data allowances. All members get free stc tv premium subscription. Additional benefits include vanity number discounts (30% Gold, 50% Platinum, 70% Diamond), priority customer care, and bill payment extensions of 2–5 days. Members manage allocations through the mySTC app or portal.

Partner network · Tiers & status · Point expiry policy

	Avios	stc tamayouz
Number of partners	0	0
Partners	—	—
Number of tiers	4	3
Top tier	Platinum	Diamond
First-tier qualification	150 points	7,800 SAR spend
Point expiry	36 months inactivity (reset on earn)	12 months

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