Hassad vs IHG® One Rewards: which loyalty program wins?

We score Hassad and IHG® One Rewards 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

Hassad is best for Riyad Bank World Elite cardholders who spend internationally or on e-gaming, while IHG® One Rewards is best for Frequent flyers.

Skip Hassad if Anyone wanting long point validity or airline/hotel transfer partners, and skip IHG® One Rewards if Anyone wanting predictable redemption costs or daily-spend earning.

Overall rating

	Hassad	IHG® One Rewards
Overall rating	2.8 / 5	3.2 / 5
Earning	3.0 / 5	3.0 / 5
Redemption	3.0 / 5	3.0 / 5
Network	3.0 / 5	4.0 / 5
Ease of use	3.0 / 5	3.0 / 5
Expiry	2.0 / 5	3.0 / 5

Earning structure

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.
IHG® One Rewards	Members earn 10 base points per USD spent at most IHG brands. Extended-stay brands (Staybridge Suites, Candlewood Suites) earn 5 points/USD. Elite tier members receive bonus points: Silver +20%, Gold +40%, Platinum +60%, Diamond +100%. Saudi users do not have access to IHG-branded credit cards - the IHG Premier and Traveler cards from Chase are US-only. Members can also earn points through Hertz car rentals (1,500 bonus + 125-500 points/day), OpenTable dining reservations, and point purchases.

Redemption structure

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.
IHG® One Rewards	Points redeem for hotel stays at 6,300+ IHG properties in 100+ countries. Variable point pricing applies (no published award chart since 2018) - redemption costs shift based on cash rates. Members can also use Points + Cash flexibility, transfer to 30+ airline partners (typically poor 5:1 or 10:1 ratios), redeem for gift cards, merchandise, or Hertz car rentals. Platinum and Diamond Elite members get exclusive access to promotional Reward Night discounts. IHG dropped fixed award charts in favor of variable dynamic pricing, making redemption costs less predictable than competitors.

Partner network · Tiers & status · Point expiry policy

	Hassad	IHG® One Rewards
Number of partners	0	0
Partners	—	—
Number of tiers	0	5
Top tier	—	Diamond Elite
First-tier qualification	—	20,000 points
Point expiry	12 months	12 months inactivity (reset on earn)

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