Hilton Honors vs Mukafaat Albilad: which loyalty program wins?

We score Hilton Honors and Mukafaat Albilad 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

Hilton Honors is best for Frequent flyers, while Mukafaat Albilad is best for Premium Tamkeen Plus cardholders.

Skip Hilton Honors if Anyone wanting to earn through daily spend, and skip Mukafaat Albilad if Anyone with mada Classic/Gold or Tamkeen Platinum.

Overall rating

	Hilton Honors	Mukafaat Albilad
Overall rating	3.8 / 5	3.6 / 5
Earning	3.0 / 5	4.0 / 5
Redemption	4.0 / 5	4.0 / 5
Network	5.0 / 5	4.0 / 5
Ease of use	4.0 / 5	3.0 / 5
Expiry	3.0 / 5	2.0 / 5

Earning structure

Hilton Honors	Members earn 10 base points per USD spent at most Hilton brand properties (Hilton, Hampton, DoubleTree, Embassy Suites, Conrad, Waldorf Astoria, and others). Earnings drop to 5 points/USD at Home2 Suites, Homewood Suites, Spark, Tru, and Apartment Collection brands, and 3 points/USD at LivSmart Studios. Elite tier members receive bonus points: Silver +20%, Gold +80%, Diamond +100%, Diamond Reserve +120%. Points also earned on hotel incidentals (dining, spa, laundry) charged to the room. Saudi users don't have access to a Hilton-branded credit card - Hilton's four Amex cards are US-only. Points can be purchased (up to 160,000 per year).
Mukafaat Albilad	Members earn Mukafaat Albilad points on every purchase, with rates varying significantly by card type. Tamkeen Plus Signature and Infinite credit cards earn 5 points per SAR domestic and 6.5 per SAR international - among the highest in Saudi banking. Tamkeen Plus Platinum earns 3.5/4.5 (domestic/international); Tamkeen Plus Classic 2.5/3.5. Albilad Signature/Infinite credit cards earn 3 points/SAR. Albilad Silver/Gold credit cards earn 1 point/SAR. Most mada debit cards earn 0 points on domestic purchases (1 point on international only — except Signature/Infinite mada which earn 3 points internationally). Uniquely among Saudi banks, points are earned on SADAD bill payments, government payment websites, Saudi Electric and National Water websites (not via SADAD), and fuel stations.

Redemption structure

Hilton Honors	Points redeem for hotel stays at 9,000+ Hilton properties in 142 countries. Standard rooms use variable point pricing (not a fixed award chart since 2020). The Points + Money slider lets members part-pay with cash, useful when short on points. Free Night Rewards from credit cards (US-only) provide alternative redemption. Members can also transfer points to airline partners (10:1 ratio, typically 10,000 Hilton = 1,000 airline miles) - partners include Saudia Alfursan, British Airways Avios, Air France-KLM Flying Blue, ANA, Cathay Asia Miles, Korean Air, Virgin Atlantic, and more. Experience redemptions (concerts, sports, dining) available. Silver+ members get 5th-night-free on award stays.
Mukafaat Albilad	Points redeem through six channels via the Mukafaat Albilad portal at albiladmukafaat.com or via the Albilad app: airline tickets across 550+ carriers, hotel bookings across 175,000+ hotels worldwide, retail shopping vouchers from leading merchants, transfer to airline frequent flyer programs, charity donations to participating organizations, and cashback at any merchant - use points to repay the value of recent purchases made via Albilad card at any POS within 7 days of the original transaction. Limited-time campaigns offer enhanced transfer rates, such as the June 2026 promotion giving 30% bonus Avios on Mukafaat-to-Avios transfers. Vouchers redeemed are typically non-refundable. Points cannot be used to pay credit card fees.

Partner network · Tiers & status · Point expiry policy

	Hilton Honors	Mukafaat Albilad
Number of partners	0	0
Partners	—	—
Number of tiers	5	0
Top tier	Diamond Reserve	—
First-tier qualification	4 stays	—
Point expiry	24 months inactivity (reset on earn)	12 months

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