Ajeeb Rewards vs Mukafaat Albilad: which loyalty program wins?

We score Ajeeb Rewards and Mukafaat Albilad 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

Ajeeb Rewards is best for Cashback-focused users who value long point validity, while Mukafaat Albilad is best for Premium Tamkeen Plus cardholders.

Skip Ajeeb Rewards if Anyone seeking premium-cabin airline redemptions or multi-airline transfers, and skip Mukafaat Albilad if Anyone with mada Classic/Gold or Tamkeen Platinum.

Overall rating

	Ajeeb Rewards	Mukafaat Albilad
Overall rating	3.3 / 5	3.6 / 5
Earning	3.0 / 5	4.0 / 5
Redemption	3.0 / 5	4.0 / 5
Network	3.0 / 5	4.0 / 5
Ease of use	4.0 / 5	3.0 / 5
Expiry	4.0 / 5	2.0 / 5

Earning structure

Ajeeb Rewards	Members earn ajeeb points on every purchase made with meem Visa credit cards (Platinum, Signature, Infinite). Enrollment is automatic on card activation - no separate registration required. Points post in real-time at point of sale. Selected purchases (notably grocery transactions) earn instant cashback up to 3%. Family members can be added via supplementary cards and earn points to the same account. Points-per-SAR rates vary by card tier.
Mukafaat Albilad	Members earn Mukafaat Albilad points on every purchase, with rates varying significantly by card type. Tamkeen Plus Signature and Infinite credit cards earn 5 points per SAR domestic and 6.5 per SAR international - among the highest in Saudi banking. Tamkeen Plus Platinum earns 3.5/4.5 (domestic/international); Tamkeen Plus Classic 2.5/3.5. Albilad Signature/Infinite credit cards earn 3 points/SAR. Albilad Silver/Gold credit cards earn 1 point/SAR. Most mada debit cards earn 0 points on domestic purchases (1 point on international only — except Signature/Infinite mada which earn 3 points internationally). Uniquely among Saudi banks, points are earned on SADAD bill payments, government payment websites, Saudi Electric and National Water websites (not via SADAD), and fuel stations.

Redemption structure

Ajeeb Rewards	Points redeem via the ajeeb rewards portal (rewards.meem.com) or the meem app. Options include: direct travel booking - flights, hotels, and car rentals at home or abroad - with email confirmation within 60 minutes; retail vouchers from 170+ merchants across Saudi Arabia, Bahrain, and the UAE; merchandise; and transfer to Alfursan miles at 5,000 ajeeb points = 578 Alfursan miles, with miles credited to the Alfursan account within 10 business days. Instant cashback applies at participating grocery merchants at point of sale.
Mukafaat Albilad	Points redeem through six channels via the Mukafaat Albilad portal at albiladmukafaat.com or via the Albilad app: airline tickets across 550+ carriers, hotel bookings across 175,000+ hotels worldwide, retail shopping vouchers from leading merchants, transfer to airline frequent flyer programs, charity donations to participating organizations, and cashback at any merchant - use points to repay the value of recent purchases made via Albilad card at any POS within 7 days of the original transaction. Limited-time campaigns offer enhanced transfer rates, such as the June 2026 promotion giving 30% bonus Avios on Mukafaat-to-Avios transfers. Vouchers redeemed are typically non-refundable. Points cannot be used to pay credit card fees.

Partner network · Tiers & status · Point expiry policy

	Ajeeb Rewards	Mukafaat Albilad
Number of partners	0	0
Partners	—	—
Number of tiers	0	0
Top tier	—	—
First-tier qualification	—	—
Point expiry	36 months	12 months

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