anb rewards vs nasmiles: which loyalty program wins?

We score anb rewards and nasmiles 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 nasmiles is best for Occasional & budget flyers.

Skip anb rewards if Anyone wanting long expiry - points last only 12 months, and skip nasmiles if Long-haul intercontinental flyers.

Overall rating

	anb rewards	nasmiles
Overall rating	3.6 / 5	2.6 / 5
Earning	3.0 / 5	2.0 / 5
Redemption	4.0 / 5	3.0 / 5
Network	4.0 / 5	2.0 / 5
Ease of use	4.0 / 5	4.0 / 5
Expiry	3.0 / 5	2.0 / 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.
nasmiles	Members earn miles by booking flynas flights directly through flynas.com or the flynas app, with the membership number added at booking. Mile earning is calculated by sector and fare class rather than SAR spent - a domestic Value fare earns around 200 miles regardless of the price paid. Prime tier members earn a tier bonus on top of base miles. Additional miles can be earned through partners including Booking.com, Al Rajhi Mokafaa (transfer in), Qitaf, YELO, and akthr. The flynas Signature credit card from Al Rajhi Bank earns miles on everyday spend, with welcome and milestone bonuses up to 60,000 miles. Members who forgot to add their membership number can claim missing miles within 90 days of the flight.

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.
nasmiles	Miles redeem on flynas flights via flynas.com or the app - sign in, select "Book with miles," and search as normal. Minimum redemption is 100 miles, and miles can be combined with cash to cover part of a fare. Miles cover the base fare only - taxes, fees, and surcharges are paid separately. Redemption extends to ancillary services including seat selection, pre-booked baggage, and meals. Redemptions are restricted to flynas-operated flights with the XY flight code; there are no partner airline redemptions. Award bookings cannot be cancelled or refunded once confirmed.

Partner network · Tiers & status · Point expiry policy

	anb rewards	nasmiles
Number of partners	0	0
Partners	—	—
Number of tiers	0	2
Top tier	—	Prime
First-tier qualification	—	15,000 points
Point expiry	12 months	12 months

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