British Airways Club
British Airways
VS
Neqaty
Mobily
British Airways Club vs Neqaty: which loyalty program wins?
We score British Airways Club and Neqaty 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
British Airways Club is best for Frequent flyers, while Neqaty is best for Mobily subscribers.
Skip British Airways Club if Anyone targeting elite status, and skip Neqaty if Non-Mobily customers.
Overall rating
| British Airways Club | Neqaty | |
|---|---|---|
| Overall rating | 4.1 / 5 | 3.1 / 5 |
| Earning | 3.0 / 5 | 3.0 / 5 |
| Redemption | 5.0 / 5 | 3.0 / 5 |
| Network | 5.0 / 5 | 4.0 / 5 |
| Ease of use | 3.0 / 5 | 3.0 / 5 |
| Expiry | 4.0 / 5 | 2.0 / 5 |
Earning structure
| British Airways Club | Members earn two currencies on BA-marketed flights and oneworld partners: Avios (the spending currency) and Tier Points (the status currency). Avios accrue at 6 per £1 (Blue), 7 (Bronze), 8 (Silver), or 9 (Gold) on eligible BA spending. Tier Points: 1 per £1 of eligible BA spend (fare + extras like seats, baggage), 2 per £1 of Sustainable Aviation Fuel contributions (April 2026 update, max 2,000 tier points/year). Bonus tier points based on fare type (April 2026): flexible fares earn more than standard fares within the same cabin. American Airlines and Iberia flights now earn bonus tier points based on cabin/haul. No Saudi bank issues a BA co-branded card. Avios can also be earned via Marriott Bonvoy transfer (3:1 ratio, 5,000 bonus per 60,000 points). | |
|---|---|---|
| Neqaty | Members earn 1 Neqaty point per 1 SAR spent on Mobily services. Postpaid customers earn on monthly bill payments; prepaid customers earn on calls, SMS, and data usage. Bundle and add-on charges do not earn points. Additional points can be earned at 1,200+ partner outlets across Saudi Arabia, with bonus rates at specific partners (e.g. 1 point per 10 SAR at Resal). The Samba/SNB Mobily co-branded credit card earns 1 point per 6 SAR on retail purchases. Members can also transfer points bidirectionally with Shukran (Landmark Group) and SNB LAK (10,000 LAK points = 1,000 Neqaty points). |
Redemption structure
| British Airways Club | Avios redeem for award flights and upgrades on BA, oneworld partners. Reward Flight Saver offers fixed cash + Avios pricing for select short-haul routes. Standard award flights use variable Avios + taxes/fees. BA award redemptions include high carrier-imposed surcharges (especially on premium-cabin long-haul). Members can use Avios for hotel stays (BA Hotels), car rentals, Avios shopping, BA Cabin Crew Wine, and gift experiences. Cash + Avios part-pay available on most BA bookings. Tier Points cannot be redeemed — they only determine status. | |
|---|---|---|
| Neqaty | Points redeem for Mobily services (voice minutes, data, free credit, bill discounts) starting from low thresholds, and at 1,200+ partner outlets across Saudi Arabia for cash discounts on purchases. Cash redemption at partner stores requires a minimum 3,000-point balance, with a maximum cash discount of 1,800 SAR per partner visit. Major partners include Resal (300+ digital gift cards), Yelo car rental, and Modern Electronics Company. Redemption is processed via the Mobily app, web portal, SMS, USSD, or by sharing the registered mobile number with the cashier and confirming via OTP. |
Partner network · Tiers & status · Point expiry policy
| British Airways Club | Neqaty | |
|---|---|---|
| Number of partners | 0 | 0 |
| Partners | — | — |
| Number of tiers | 4 | 0 |
| Top tier | Gold | — |
| First-tier qualification | 3,500 points | — |
| Point expiry | 36 months inactivity (reset on earn) | 18 months |