qitaf
stc
VS
stc tamayouz
stc
qitaf vs stc tamayouz: which loyalty program wins?
We score qitaf 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
qitaf is best for Heavy stc users on plans that earn points + frequent partner shoppers, while stc tamayouz is best for High-spend stc customers paying > 2,000 SAR/month.
Skip qitaf if Non-STC subscribers.
Overall rating
| qitaf | stc tamayouz | |
|---|---|---|
| Overall rating | 3.5 / 5 | 2.6 / 5 |
| Earning | 3.0 / 5 | 2.0 / 5 |
| Redemption | 3.0 / 5 | 3.0 / 5 |
| Network | 4.0 / 5 | 2.0 / 5 |
| Ease of use | 4.0 / 5 | 3.0 / 5 |
| Expiry | 4.0 / 5 | 3.0 / 5 |
Earning structure
| qitaf | Postpaid customers earn 1 Qitaf point per 15 SAR paid against eligible portions of their bill. Tamayouz Platinum customers earn 1.5 points per 15 SAR; Tamayouz Diamond customers earn 2 points per 15 SAR. Specific Mofawtar Prime and Baity packages earn fixed monthly bonuses ranging from 10 to 35 points. Members earn 1 point per 10 SAR at most partner outlets (Yelo, Applebee's, Ocean Basket, AbdulSamad AlQurashi, and others), and varying rates at others. Travel partners include Almosafer (1 point per 20 SAR flights, 1 per 10 SAR hotels) and Flyin. Excluded from earning: VAT, device installments, direct billing services (Apple, Google, Netflix, Spotify, OSN, stc TV), roaming packages, and many add-ons. | |
|---|---|---|
| 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
| qitaf | Points redeem at partner outlets at a rate of 5 Qitaf points = 1 SAR by sharing the registered mobile number with the cashier and confirming via OTP. Members can also pay Saudi Electricity bills with points, redeem for stc internal services (minutes, SMS, data, bill discounts), transfer to flynas naSmiles miles at 1 Qitaf = 2 miles, or use points toward flights and hotels via Almosafer and Flyin. Internal stc rewards (minutes, SMS, data) expire 1 month from issuance. Redemption is processed via the Qitaf app, mySTC app, web portal, SMS to 900, or by calling 900. The Qitaf app supports non-stc users. | |
|---|---|---|
| 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
| qitaf | 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 |