Alfursan vs mokafaa: which loyalty program wins?

We score Alfursan 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

Alfursan is best for Frequent flyers, while mokafaa is best for Everyday spending.

Skip Alfursan if Occasional travellers - miles expire after 24 months, and skip mokafaa if Travellers chasing airline miles.

Overall rating

	Alfursan	mokafaa
Overall rating	3.6 / 5	4.1 / 5
Earning	3.0 / 5	5.0 / 5
Redemption	4.0 / 5	3.0 / 5
Network	3.0 / 5	5.0 / 5
Ease of use	4.0 / 5	4.0 / 5
Expiry	4.0 / 5	3.0 / 5

Earning structure

Alfursan	Earn miles based on flight distance and cabin class — from 25% of miles flown on Economy Saver up to 250% in First Class. Also earn miles via co-branded credit cards (Al Rajhi, Riyad Bank, Alinma, SNB, BSF, SAB, AmEx) and SkyTeam partner airlines.
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

Alfursan	Redeem for SAUDIA and SkyTeam award flights starting at 4,500 miles (one-way domestic Economy), cabin upgrades from 3,750 miles, extra baggage, and lounge access. Miles expire if a user is not active for 2 years.
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

	Alfursan	mokafaa
Number of partners	0	0
Partners	—	—
Number of tiers	3	0
Top tier	Gold “Elite Plus”	—
First-tier qualification	20 flights	—
Point expiry	24 months inactivity (reset on earn)	12 months

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