BSF Jana Rewards
Banque Saudi Fransi
VS
mokafaa
Alrajhi Bank
BSF Jana Rewards vs mokafaa: which loyalty program wins?
We score BSF Jana Rewards and mokafaa 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
BSF Jana Rewards is best for Anyone wanting international transfer partners, while mokafaa is best for Everyday spending.
Skip BSF Jana Rewards if Anyone seeking transparent published earn rates and easy comparison, and skip mokafaa if Travellers chasing airline miles.
Overall rating
| BSF Jana Rewards | mokafaa | |
|---|---|---|
| Overall rating | 3.5 / 5 | 4.1 / 5 |
| Earning | 3.0 / 5 | 5.0 / 5 |
| Redemption | 4.0 / 5 | 3.0 / 5 |
| Network | 4.0 / 5 | 5.0 / 5 |
| Ease of use | 3.0 / 5 | 4.0 / 5 |
| Expiry | 3.0 / 5 | 3.0 / 5 |
Earning structure
| BSF Jana Rewards | Members earn BSF Jana points on credit card spend, mada debit card transactions, local and international money transfers, SADAD bill payments, personal and home loans, and digital banking activities via FransiPlus and BSF Mobile. Earn rates vary by card type, with premium credit cards earning more per SAR. Exact per-card rates aren't published on the main program page - members can use the BSF rewards calculator or check via the app. New account opening campaigns offer significant welcome bonuses (up to 1 million points for qualifying balances). Points appear in the BSF Jana account within several business days of the transaction. | |
|---|---|---|
| mokafaa | Members earn 1 Mokafaa point per 1 SAR spent on Al Rajhi credit, charge, prepaid, and low-limit cards across domestic and international transactions. Premium card products earn at accelerated rates. Bonus earning applies in specific categories: 10 points per SAR at Yelo auto leasing, 5 points per SAR on Zain postpaid bills, and 2 points per SAR on Zain prepaid recharges. Points also accrue on Al Rajhi banking products and services beyond card spend, including bill payments and transfers. SADAD payments, e-wallet transactions, fees, and cash advances are excluded from earning. |
Redemption structure
| BSF Jana Rewards | Points redeem at the rate of 100 BSF Jana points = 1 SAR through multiple channels: instant travel booking (flights, hotels, car rentals) via the BSFjana.sa portal; physical gifts (electronics, watches, mobile phones, appliances) delivered directly to the home address; e-vouchers from e-commerce websites and stores; cashback credited directly to the credit card; transfer to partner programs - Emirates Skywards (minimum 500 Jana points, up to 200,000 per conversion) and Accor ALL hotel rewards; pay at partner stores; transfer points to another BSF Jana member; and charity donations. Members can also supplement insufficient points with credit card payment. | |
|---|---|---|
| mokafaa | Points redeem at 250 Mokafaa points = 1 SAR across the partner network of 170+ direct merchants in Saudi Arabia, plus 600+ additional brands via the Resal app integration. Major redemption channels include eXtra (electronics), noon (e-commerce), e-vouchers, charitable donations, and merchandise. At partner stores, members redeem by sharing their registered mobile number with the cashier and confirming via OTP - no app or card required at checkout. Mokafaa points also transfer to Alfursan miles at 18 points per mile. Mokafaa points cannot be transferred to other accounts or converted to cash. |
Partner network · Tiers & status · Point expiry policy
| BSF Jana Rewards | mokafaa | |
|---|---|---|
| Number of partners | 0 | 0 |
| Partners | — | — |
| Number of tiers | 0 | 0 |
| Top tier | — | — |
| First-tier qualification | — | — |
| Point expiry | — | 12 months |