anb rewards vs Flying Blue: which loyalty program wins?

We score anb rewards and Flying Blue 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 Flying Blue is best for Frequent flyers.

Skip anb rewards if Anyone wanting long expiry - points last only 12 months, and skip Flying Blue if Anyone seeking elite status without flying.

Overall rating

	anb rewards	Flying Blue
Overall rating	3.6 / 5	3.8 / 5
Earning	3.0 / 5	3.0 / 5
Redemption	4.0 / 5	4.0 / 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.
Flying Blue	Members earn Flying Blue Miles on flights with Air France, KLM, Transavia, Aircalin, Air Europa, Kenya Airways, TAROM, and the 19+ SkyTeam alliance partners including Saudia, Delta, Korean Air, China Eastern, Garuda, ITA Airways, China Southern, and Aeromexico. Earn rate by status: Explorer 4 Miles/Euro, Silver 6/Euro, Gold 7/Euro, Platinum 8/Euro, Ultimate 9/Euro. XP (Experience Points) for tier qualification are earned only on flights — Silver requires 100 XP, Gold +180 XP, Platinum +300 XP. XP earnings depend on distance and cabin class. Non-alliance partners include Japan Airlines, Qantas, Virgin Atlantic, GOL, and Etihad. Hotel partner ALL Accor allows seamless earning across both programs. No Saudi bank issues a Flying Blue co-branded credit card.

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.
Flying Blue	Miles redeem for award flights on Air France, KLM, all SkyTeam partners, and non-alliance partners (Japan Airlines, Qantas, Virgin Atlantic, GOL, Etihad). Award pricing is moderately dynamic - less than US programs but more than Avios. Monthly Promo Rewards offer 25-50% discounts on selected award routes - a uniquely member-friendly feature. Members can also redeem for cabin upgrades (including World Business Class on long-haul KLM/Air France), seat upgrades, hotel stays (ALL Accor primarily), car rentals, and experiences. La Première (Air France First Class) redemptions are restricted to Platinum and Ultimate members. A 70 Euro change/cancellation fee applies to most awards; waived for Platinum and Ultimate.

Partner network · Tiers & status · Point expiry policy

	anb rewards	Flying Blue
Number of partners	0	0
Partners	—	—
Number of tiers	0	5
Top tier	—	Ultimate
First-tier qualification	—	100 points
Point expiry	12 months	24 months inactivity (reset on earn)

Open in loyaup