ICSAB+ vs Neqaty: which loyalty program wins?

We score ICSAB+ and Neqaty 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

ICSAB+ is best for Households paying SADAD and government bills, while Neqaty is best for Mobily subscribers.

Skip ICSAB+ if Heavy spenders on groceries, fuel, and restaurants, and skip Neqaty if Non-Mobily customers.

Overall rating

	ICSAB+	Neqaty
Overall rating	3.6 / 5	3.1 / 5
Earning	4.0 / 5	3.0 / 5
Redemption	3.0 / 5	3.0 / 5
Network	4.0 / 5	4.0 / 5
Ease of use	4.0 / 5	3.0 / 5
Expiry	3.0 / 5	2.0 / 5

Earning structure

ICSAB+	Members earn ICSAB+ points across a wide range of activities: credit card spend (7.5–12.5 points per 100 SAR domestic, 10–15 points international, depending on card type), Mada debit card spend (0.5 points domestic, 1 point international per 100 SAR), digital banking registration and activity (10–40 points), paperless statement enrollment (10–20 points), ITM and e-Desk services (10 points each), AQSAT installment plans (10–30 points), IPO enrollment (20–40 points), and personal/home finance applications (100–200 points). Digital payment behavior boosts earnings: contactless +5%, digital wallet +10%, online purchases +15%, recurring digital payments +20%.
Neqaty	Members earn 1 Neqaty point per 1 SAR spent on Mobily services. Postpaid customers earn on monthly bill payments; prepaid customers earn on calls, SMS, and data usage. Bundle and add-on charges do not earn points. Additional points can be earned at 1,200+ partner outlets across Saudi Arabia, with bonus rates at specific partners (e.g. 1 point per 10 SAR at Resal). The Samba/SNB Mobily co-branded credit card earns 1 point per 6 SAR on retail purchases. Members can also transfer points bidirectionally with Shukran (Landmark Group) and SNB LAK (10,000 LAK points = 1,000 Neqaty points).

Redemption structure

ICSAB+	Points redeem through six channels via SAB Mobile or SAB Online: Instant ICSAB+ Cash (1,000 points = 70 SAR, deposited to account or credit card instantly via app or within 3 working days, 200 SAR minimum), Pay with ICSAB+ for SADAD and government payments directly through SAB, E-vouchers at 150+ merchants (1,000 points = 100 SAR — the highest-value path), Online Travel (flights, hotels, car rentals booked directly through the ICSAB+ portal, 1,000-point minimum), Charitable donations to Ehsan or Joodeskan (500 points = 50 SAR, no upper limit), and Points Exchange transfers to airline, hotel, and telecom partner programs. Travel redemptions cannot be cancelled or refunded once confirmed. Most other redemptions are also non-refundable. Redemption requires accepting program T&Cs on first use
Neqaty	Points redeem for Mobily services (voice minutes, data, free credit, bill discounts) starting from low thresholds, and at 1,200+ partner outlets across Saudi Arabia for cash discounts on purchases. Cash redemption at partner stores requires a minimum 3,000-point balance, with a maximum cash discount of 1,800 SAR per partner visit. Major partners include Resal (300+ digital gift cards), Yelo car rental, and Modern Electronics Company. Redemption is processed via the Mobily app, web portal, SMS, USSD, or by sharing the registered mobile number with the cashier and confirming via OTP.

Partner network · Tiers & status · Point expiry policy

	ICSAB+	Neqaty
Number of partners	0	0
Partners	—	—
Number of tiers	0	0
Top tier	—	—
First-tier qualification	—	—
Point expiry	12 months	18 months

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