Hassad
Riyad Bank
VS
qitaf
stc
Hassad vs qitaf: which loyalty program wins?
We score Hassad and qitaf 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 qitaf is best for Heavy stc users on plans that earn points + frequent partner shoppers.
Skip Hassad if Anyone wanting long point validity or airline/hotel transfer partners, and skip qitaf if Non-STC subscribers.
Overall rating
| Hassad | qitaf | |
|---|---|---|
| Overall rating | 2.8 / 5 | 3.5 / 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 | 4.0 / 5 |
| Expiry | 2.0 / 5 | 4.0 / 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. | |
|---|---|---|
| qitaf | Postpaid customers earn 1 Qitaf point per 15 SAR paid against eligible portions of their bill. Tamayouz Platinum customers earn 1.5 points per 15 SAR; Tamayouz Diamond customers earn 2 points per 15 SAR. Specific Mofawtar Prime and Baity packages earn fixed monthly bonuses ranging from 10 to 35 points. Members earn 1 point per 10 SAR at most partner outlets (Yelo, Applebee's, Ocean Basket, AbdulSamad AlQurashi, and others), and varying rates at others. Travel partners include Almosafer (1 point per 20 SAR flights, 1 per 10 SAR hotels) and Flyin. Excluded from earning: VAT, device installments, direct billing services (Apple, Google, Netflix, Spotify, OSN, stc TV), roaming packages, and many add-ons. |
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. | |
|---|---|---|
| qitaf | Points redeem at partner outlets at a rate of 5 Qitaf points = 1 SAR by sharing the registered mobile number with the cashier and confirming via OTP. Members can also pay Saudi Electricity bills with points, redeem for stc internal services (minutes, SMS, data, bill discounts), transfer to flynas naSmiles miles at 1 Qitaf = 2 miles, or use points toward flights and hotels via Almosafer and Flyin. Internal stc rewards (minutes, SMS, data) expire 1 month from issuance. Redemption is processed via the Qitaf app, mySTC app, web portal, SMS to 900, or by calling 900. The Qitaf app supports non-stc users. |
Partner network · Tiers & status · Point expiry policy
| Hassad | qitaf | |
|---|---|---|
| Number of partners | 0 | 0 |
| Partners | — | — |
| Number of tiers | 0 | 0 |
| Top tier | — | — |
| First-tier qualification | — | — |
| Point expiry | 12 months | 12 months |