Etihad Guest
Etihad Airways
VS
Hassad
Riyad Bank
Etihad Guest vs Hassad: which loyalty program wins?
We score Etihad Guest and Hassad 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
Etihad Guest is best for Frequent flyers, while Hassad is best for Riyad Bank World Elite cardholders who spend internationally or on e-gaming.
Skip Etihad Guest if Domestic flyers, and skip Hassad if Anyone wanting long point validity or airline/hotel transfer partners.
Overall rating
| Etihad Guest | Hassad | |
|---|---|---|
| Overall rating | 3.1 / 5 | 2.8 / 5 |
| Earning | 2.0 / 5 | 3.0 / 5 |
| Redemption | 4.0 / 5 | 3.0 / 5 |
| Network | 4.0 / 5 | 3.0 / 5 |
| Ease of use | 3.0 / 5 | 3.0 / 5 |
| Expiry | 2.0 / 5 | 2.0 / 5 |
Earning structure
| Etihad Guest | Members earn Etihad Guest Miles by flying with Etihad Airways or 25+ partner airlines including American Airlines, ANA, Air Canada, Air France-KLM, Korean Air, Virgin Australia, SAS, and others. Earning also extends to 300,000+ hotels through Accor, Hyatt, and Marriott Bonvoy, car rentals with Avis and Budget, the Etihad Guest shopping portal, and dining partners. Members can also purchase miles (up to 100,000 per year, 150,000 for Platinum) and use the MilesBooster feature for retroactive miles on past flights. For Tier Miles (which qualify members for status), only Etihad flights and Etihad-issued payment cards count — partner flights no longer earn Tier Miles as of June 2024. | |
|---|---|---|
| Hassad | Members are auto-enrolled in Hassad Rewards on most Riyad Bank credit card activations (some cards excluded). Earn rates vary significantly by card type and transaction category: World Elite Mastercard delivers up to 2.5% back; entry tiers typically earn 1% on local point-of-sale, 1.5% on international, 1.25% on online purchases, and 7.5% on e-gaming platforms. Welcome bonuses of 500-1,600 Hassad points apply on most cards. Points are also earned through digital banking transactions beyond card spend. The Hassad Rewards Calculator on the Riyad Bank website calculates expected points by card type and transaction type. |
Redemption structure
| Etihad Guest | Miles redeem for flights and upgrades on Etihad Airways and 25+ partner airlines using a distance-based award chart. Members can also redeem for hotel stays worldwide via Accor, Hyatt, and Marriott Bonvoy, car rentals, and items in the Etihad Guest Reward Shop. Premium-cabin awards (Business and First) on Etihad's own routes deliver the highest typical value. Note: as of November 2025, Value awards are non-cancellable, and higher-tier awards have a 72-hour no-change window. Some partner award redemptions require calling the Etihad Guest call centre. Members can also use the Cash + Miles option for partial payment on flights. | |
|---|---|---|
| Hassad | Points redeem through two main channels: at Hassad partner stores by providing the registered mobile number and confirming the transaction with an OTP code sent by SMS; or through the Riyad Bank mobile app for gift cards and vouchers. Members can transfer Hassad points to other Hassad members using their mobile number or Hassad ID. Minimum redemption threshold is 1,000 Hassad points. Vouchers obtained through Hassad are non-refundable and non-transferable. Points cannot be redeemed for cash or used to pay credit card fees, and are non-transferable financially. Refunded or cancelled transactions reverse the corresponding Hassad points. |
Partner network · Tiers & status · Point expiry policy
| Etihad Guest | Hassad | |
|---|---|---|
| Number of partners | 0 | 0 |
| Partners | — | — |
| Number of tiers | 5 | 0 |
| Top tier | Emerald | — |
| First-tier qualification | 25,000 points | — |
| Point expiry | 18 months inactivity (reset on earn) | 12 months |