AirRewards vs Hassad: which loyalty program wins?

We score AirRewards and Hassad 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

AirRewards is best for Frequent economy flyers, while Hassad is best for Riyad Bank World Elite cardholders who spend internationally or on e-gaming.

Skip AirRewards if Anyone wanting to earn through daily spend, and skip Hassad if Anyone wanting long point validity or airline/hotel transfer partners.

Overall rating

	AirRewards	Hassad
Overall rating	3.4 / 5	2.8 / 5
Earning	3.0 / 5	3.0 / 5
Redemption	4.0 / 5	3.0 / 5
Network	3.0 / 5	3.0 / 5
Ease of use	4.0 / 5	3.0 / 5
Expiry	3.0 / 5	2.0 / 5

Earning structure

AirRewards	Members earn up to 10% cashback as AirRewards points on every Air Arabia flight booking (and ancillary services like meals, baggage, and seat selection). The exact earn rate varies by fare type and route. Earning also extends to partner activities: 200 points per 100 AED with Union Insurance, up to 40 points per 100 AED at Kalyan Jewellers, 3 points per 10 AED via Buzzpay mobile recharges (UAE-focused), up to 6 points per USD with Sixt car rentals, up to 10,000 points per Rocketmiles hotel stay, up to 15 points per USD with Kaligo hotel bookings, and 4 points per Euro at Land of Fashion. Family accounts pool points across multiple members.
Hassad	Members are auto-enrolled in Hassad Rewards on most Riyad Bank credit card activations (some cards excluded). Earn rates vary significantly by card type and transaction category: World Elite Mastercard delivers up to 2.5% back; entry tiers typically earn 1% on local point-of-sale, 1.5% on international, 1.25% on online purchases, and 7.5% on e-gaming platforms. Welcome bonuses of 500-1,600 Hassad points apply on most cards. Points are also earned through digital banking transactions beyond card spend. The Hassad Rewards Calculator on the Riyad Bank website calculates expected points by card type and transaction type.

Redemption structure

AirRewards	Points redeem at the fixed rate of 100 AirRewards points = 1 USD, with no variability based on fare type, date, or route — a uniquely transparent value in airline loyalty. Points can be used for flights (every seat on every flight available, no blackout dates), meals, baggage, and additional services. Cash + Points option allows partial payment when point balance is insufficient. Family account members can pool points to redeem together. AirRewards points can also be transferred to Etihad Guest Miles for redemption within the broader Etihad network. Redemption is processed entirely through www.airarabia.com or the mobile app.
Hassad	Points redeem through two main channels: at Hassad partner stores by providing the registered mobile number and confirming the transaction with an OTP code sent by SMS; or through the Riyad Bank mobile app for gift cards and vouchers. Members can transfer Hassad points to other Hassad members using their mobile number or Hassad ID. Minimum redemption threshold is 1,000 Hassad points. Vouchers obtained through Hassad are non-refundable and non-transferable. Points cannot be redeemed for cash or used to pay credit card fees, and are non-transferable financially. Refunded or cancelled transactions reverse the corresponding Hassad points.

Partner network · Tiers & status · Point expiry policy

	AirRewards	Hassad
Number of partners	0	0
Partners	—	—
Number of tiers	0	0
Top tier	—	—
First-tier qualification	—	—
Point expiry	—	12 months

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