Miles&Smiles vs mokafaa: which loyalty program wins?

We score Miles&Smiles and mokafaa 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

Miles&Smiles is best for Frequent flyers, while mokafaa is best for Everyday spending.

Skip Miles&Smiles if Anyone who flies infrequently, and skip mokafaa if Travellers chasing airline miles.

Overall rating

	Miles&Smiles	mokafaa
Overall rating	3.9 / 5	4.1 / 5
Earning	4.0 / 5	5.0 / 5
Redemption	4.0 / 5	3.0 / 5
Network	5.0 / 5	5.0 / 5
Ease of use	3.0 / 5	4.0 / 5
Expiry	3.0 / 5	3.0 / 5

Earning structure

Miles&Smiles	Members earn both Status Miles (for tier qualification) and Award Miles (for redemption) on Turkish Airlines and AnadoluJet flights - earning depends on flight distance, fare class, and elite status level. Earning extends to 25+ Star Alliance member carriers. Marriott Bonvoy transfer at 3:1 ratio. Choice Privileges transfer at 5:1 ratio. Status Miles can also be earned from 40 qualifying flights (Classic Plus only). Status upgrade purchases of 5,000-10,000 miles are available. No Saudi bank issues a Miles&Smiles co-branded credit card.
mokafaa	Members earn 1 Mokafaa point per 1 SAR spent on Al Rajhi credit, charge, prepaid, and low-limit cards across domestic and international transactions. Premium card products earn at accelerated rates. Bonus earning applies in specific categories: 10 points per SAR at Yelo auto leasing, 5 points per SAR on Zain postpaid bills, and 2 points per SAR on Zain prepaid recharges. Points also accrue on Al Rajhi banking products and services beyond card spend, including bill payments and transfers. SADAD payments, e-wallet transactions, fees, and cash advances are excluded from earning.

Redemption structure

Miles&Smiles	Award Miles redeem for flights on Turkish Airlines, AnadoluJet, all 25+ Star Alliance partners, and selected non-alliance partners. Award booking is straightforward online for Turkish flights and most Star Alliance partners; some partner awards require calling. Sweet spots remain after the 2024 devaluation: Turkish Business Class to Europe/US, domestic US partner flights at favorable rates (some destinations like Hawaii start from 10,000 miles), and premium-cabin Star Alliance partner redemptions. Cabin upgrades available on Turkish flights. Elite Plus members receive two complimentary cabin upgrades annually. Award changes incur fees varying by tier. Fuel surcharges apply on most premium-cabin partner redemptions. Members can supplement with mile purchases.
mokafaa	Points redeem at 250 Mokafaa points = 1 SAR across the partner network of 170+ direct merchants in Saudi Arabia, plus 600+ additional brands via the Resal app integration. Major redemption channels include eXtra (electronics), noon (e-commerce), e-vouchers, charitable donations, and merchandise. At partner stores, members redeem by sharing their registered mobile number with the cashier and confirming via OTP - no app or card required at checkout. Mokafaa points also transfer to Alfursan miles at 18 points per mile. Mokafaa points cannot be transferred to other accounts or converted to cash.

Partner network · Tiers & status · Point expiry policy

	Miles&Smiles	mokafaa
Number of partners	0	0
Partners	—	—
Number of tiers	4	0
Top tier	Elite Plus	—
First-tier qualification	25,000 points	—
Point expiry	36 months	12 months

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