Hassad
Riyad Bank
VS
Marriott Bonvoy
Hassad vs Marriott Bonvoy: which loyalty program wins?
We score Hassad and Marriott Bonvoy 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 Marriott Bonvoy is best for Saudi-based travelers.
Skip Hassad if Anyone wanting long point validity or airline/hotel transfer partners, and skip Marriott Bonvoy if Anyone wanting to earn through daily spend.
Overall rating
| Hassad | Marriott Bonvoy | |
|---|---|---|
| Overall rating | 2.8 / 5 | 4.1 / 5 |
| Earning | 3.0 / 5 | 4.0 / 5 |
| Redemption | 3.0 / 5 | 4.0 / 5 |
| Network | 3.0 / 5 | 5.0 / 5 |
| Ease of use | 3.0 / 5 | 4.0 / 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. | |
|---|---|---|
| Marriott Bonvoy | Members earn 10 base points per USD spent at most Marriott brands including Ritz-Carlton, St. Regis, JW Marriott, W, Westin, Sheraton, Le Méridien, Renaissance, Autograph, Marriott, Courtyard, Aloft, and Four Points. Earnings drop to 5 points/USD at Element, Residence Inn, TownePlace Suites, Protea, and Homes & Villas; 4 points/USD at StudioRes; and 2.5 points/USD at Marriott Executive Apartments. Elite tier members receive bonus points: Silver +10%, Gold +25%, Platinum +50%, Titanium and Ambassador +75%. Members can also earn through Hertz/Dollar/Thrifty car rentals 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. | |
|---|---|---|
| Marriott Bonvoy | Points redeem for hotel stays at 9,000+ Marriott properties across 143 countries. Dynamic award pricing applies - costs shift based on cash rates and demand. The 5th Night Free benefit gives the lowest-value night free on redemptions of 5+ consecutive nights - Marriott's most valuable redemption perk. Free Night Awards (from credit cards or Annual Choice Benefits) can be topped off with up to 25,000 points (increased from 15,000 in March 2026). Transfer to 40+ airline partners at 3:1 ratio (typically 60,000 Bonvoy = 25,000 miles + 5,000 bonus). Other options include gift cards, merchandise, dining experiences via Marriott Bonvoy Moments, and instant redemptions for room credits. |
Partner network · Tiers & status · Point expiry policy
| Hassad | Marriott Bonvoy | |
|---|---|---|
| Number of partners | 0 | 0 |
| Partners | — | — |
| Number of tiers | 0 | 6 |
| Top tier | — | Ambassador Elite |
| First-tier qualification | — | — |
| Point expiry | 12 months | 24 months inactivity (reset on earn) |