LAK Rewards vs stc tamayouz: which loyalty program wins?

We score LAK Rewards and stc tamayouz 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

LAK Rewards is best for Early adopters, while stc tamayouz is best for High-spend stc customers paying > 2,000 SAR/month.

Skip LAK Rewards if Users wanting wide partner coverage.

Overall rating

	LAK Rewards	stc tamayouz
Overall rating	2.6 / 5	2.6 / 5
Earning	3.0 / 5	2.0 / 5
Redemption	3.0 / 5	3.0 / 5
Network	2.0 / 5	2.0 / 5
Ease of use	3.0 / 5	3.0 / 5
Expiry	2.0 / 5	3.0 / 5

Earning structure

LAK Rewards	Members earn LAK points on eligible local and international transactions made with SNB AlAhli credit cards, prepaid cards, and the Global Multi-Currency Credit Card. Earn rates vary by card segment (Titanium, Platinum, World, Infinite) - cardholders need to check their card's terms or the SNB Mobile app to find their specific rate. An additional bonus of up to 50% applies on overseas transactions paid in the local currency of the country visited. The Cashback Credit Card and Alfursan Credit Card are excluded from LAK earning, as they have separate reward structures.
stc tamayouz	Members earn 1 Tamayouz Membership Point for every 1 SAR paid on stc bills within 28 days of bill issuance. Payments after the 28-day window do not earn points. Tier thresholds within a calendar year: Gold (7,800 points), Platinum (24,000 points), Diamond (48,000 points)

Redemption structure

LAK Rewards	Points redeem through the SNB Mobile app or LakRewards.com, with a minimum threshold of 1,000 points. Redemption options include cashback to the card, transfer to Alfursan miles, flight and hotel bookings via the LAK travel portal, e-gift cards, and partner merchant purchases.
stc tamayouz	Tamayouz Membership Points themselves are not redeemable - they only determine tier status. Tier benefits are delivered as monthly free-service allowances managed through the "tamayouz keys" system: each member receives 100 keys per period to allocate across calls, SMS, domestic data, international minutes, GCC and international roaming data, scholarship-country call reception, ringback tones, and call screening. Diamond and Platinum members also receive free GCC and international roaming data allowances. All members get free stc tv premium subscription. Additional benefits include vanity number discounts (30% Gold, 50% Platinum, 70% Diamond), priority customer care, and bill payment extensions of 2–5 days. Members manage allocations through the mySTC app or portal.

Partner network · Tiers & status · Point expiry policy

	LAK Rewards	stc tamayouz
Number of partners	0	0
Partners	—	—
Number of tiers	0	3
Top tier	—	Diamond
First-tier qualification	—	7,800 SAR spend
Point expiry	12 months	12 months

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