Aura vs mokafaa: which loyalty program wins?

We score Aura 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

Aura is best for Mall shoppers, while mokafaa is best for Everyday spending.

Skip Aura if Budget shoppers outside malls, and skip mokafaa if Travellers chasing airline miles.

Overall rating

	Aura	mokafaa
Overall rating	3.4 / 5	4.1 / 5
Earning	4.0 / 5	5.0 / 5
Redemption	3.0 / 5	3.0 / 5
Network	3.0 / 5	5.0 / 5
Ease of use	5.0 / 5	4.0 / 5
Expiry	2.0 / 5	3.0 / 5

Earning structure

Aura	Members earn 1 point for every 1 SAR spent at participating Alshaya brands, in-store and online. That's a 2% effective return on most purchases. Star tier members earn an additional 1% on top, and VIP members earn an additional 2% - bringing the top return to 4%. Bonus points are also offered during promotional events. Starbucks, Boots medicinal products, and Alshaya gift cards are excluded from earning.
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

Aura	Points redeem at a fixed rate of 50 points = 1 SAR (0.02 SAR per point) directly at checkout in any participating Alshaya store or online site. There's no minimum threshold - points can be applied to any eligible purchase. Members can also redeem for exclusive experiences, member-only prices, and special offers via the Aura app. Points cannot be transferred, converted to cash, or redeemed at non-Alshaya partners. Refunds on items paid partly with points are returned in points.
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

	Aura	mokafaa
Number of partners	0	0
Partners	—	—
Number of tiers	3	0
Top tier	VIP	—
First-tier qualification	6,000 points	—
Point expiry	12 months	12 months

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