Miles&Smiles vs Neqaty: which loyalty program wins?

We score Miles&Smiles 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

Miles&Smiles is best for Frequent flyers, while Neqaty is best for Mobily subscribers.

Skip Miles&Smiles if Anyone who flies infrequently, and skip Neqaty if Non-Mobily customers.

Overall rating

	Miles&Smiles	Neqaty
Overall rating	3.9 / 5	3.1 / 5
Earning	4.0 / 5	3.0 / 5
Redemption	4.0 / 5	3.0 / 5
Network	5.0 / 5	4.0 / 5
Ease of use	3.0 / 5	3.0 / 5
Expiry	3.0 / 5	2.0 / 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.
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

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.
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

	Miles&Smiles	Neqaty
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	18 months

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