anb rewards vs British Airways Club: which loyalty program wins?

We score anb rewards and British Airways Club 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

anb rewards is best for Anyone wanting transparent transfer rates to airline and telecom programs, while British Airways Club is best for Frequent flyers.

Skip anb rewards if Anyone wanting long expiry - points last only 12 months, and skip British Airways Club if Anyone targeting elite status.

Overall rating

	anb rewards	British Airways Club
Overall rating	3.6 / 5	4.1 / 5
Earning	3.0 / 5	3.0 / 5
Redemption	4.0 / 5	5.0 / 5
Network	4.0 / 5	5.0 / 5
Ease of use	4.0 / 5	3.0 / 5
Expiry	3.0 / 5	4.0 / 5

Earning structure

anb rewards	Members earn anb rewards points on credit card spend, with rates by card type: Titanium Mastercard 1 point per SAR domestic and 1.5 international; Platinum Mastercard 1.5 points domestic and 2 international; World Elite Mastercard 1.5 points domestic and 2.5 international. Points also accrue on other banking activities: personal and home loans, current accounts, bill payments, transfers, and other anb banking products. Affluent banking customers (Platinum Program) earn additional bonus points up to 500,000 points when maintaining 100,000+ SAR average balance for 3 months. Points typically post within one month of the transaction. Enrollment is free and required to start earning.
British Airways Club	Members earn two currencies on BA-marketed flights and oneworld partners: Avios (the spending currency) and Tier Points (the status currency). Avios accrue at 6 per £1 (Blue), 7 (Bronze), 8 (Silver), or 9 (Gold) on eligible BA spending. Tier Points: 1 per £1 of eligible BA spend (fare + extras like seats, baggage), 2 per £1 of Sustainable Aviation Fuel contributions (April 2026 update, max 2,000 tier points/year). Bonus tier points based on fare type (April 2026): flexible fares earn more than standard fares within the same cabin. American Airlines and Iberia flights now earn bonus tier points based on cabin/haul. No Saudi bank issues a BA co-branded card. Avios can also be earned via Marriott Bonvoy transfer (3:1 ratio, 5,000 bonus per 60,000 points).

Redemption structure

anb rewards	Points redeem through multiple channels via the anb app: e-vouchers across a wide partner catalog (restaurants, hotels, pharmacies, travel, retail), cashback deposited directly to the credit card account, charity donations to registered organizations, peer-to-peer transfer to family and friends enrolled in the program, pay-with-points at partner outlets by providing the registered mobile number and confirming via OTP, and transfer to airline and telecom loyalty programs including Alfursan, Qitaf, and flynas naSmiles (each with publicly disclosed conversion rates). E-vouchers redeemed are valid for 1 year from redemption and are non-refundable. Members can supplement insufficient point balances at partner POS using mada or credit card.
British Airways Club	Avios redeem for award flights and upgrades on BA, oneworld partners. Reward Flight Saver offers fixed cash + Avios pricing for select short-haul routes. Standard award flights use variable Avios + taxes/fees. BA award redemptions include high carrier-imposed surcharges (especially on premium-cabin long-haul). Members can use Avios for hotel stays (BA Hotels), car rentals, Avios shopping, BA Cabin Crew Wine, and gift experiences. Cash + Avios part-pay available on most BA bookings. Tier Points cannot be redeemed — they only determine status.

Partner network · Tiers & status · Point expiry policy

	anb rewards	British Airways Club
Number of partners	0	0
Partners	—	—
Number of tiers	0	4
Top tier	—	Gold
First-tier qualification	—	3,500 points
Point expiry	12 months	36 months inactivity (reset on earn)

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