Avios vs qitaf: which loyalty program wins?

We score Avios and qitaf 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

Avios is best for Frequent travelers, while qitaf is best for Heavy stc users on plans that earn points + frequent partner shoppers.

Skip Avios if Saudi residents who don't travel internationally, and skip qitaf if Non-STC subscribers.

Overall rating

	Avios	qitaf
Overall rating	4.4 / 5	3.5 / 5
Earning	3.0 / 5	3.0 / 5
Redemption	5.0 / 5	3.0 / 5
Network	5.0 / 5	4.0 / 5
Ease of use	4.0 / 5	4.0 / 5
Expiry	5.0 / 5	4.0 / 5

Earning structure

Avios	Members earn Avios on Qatar Airways flights - earning rates vary by route, fare class, and booking class. Earnings also accrue on flights with oneworld alliance partners (American Airlines, British Airways, Cathay Pacific, Japan Airlines, Qantas, Iberia, Finnair, Royal Jordanian, and others) and on 90+ global partners including hotels (Marriott, IHG), car rentals (Hertz, Avis), retail, dining, and financial services. Avios are credited up to two hours before takeoff after check-in. Members can also purchase Avios to top up their balance, gift them to family and friends, or transfer between accounts. There is no Saudi bank co-branded credit card for Avios as of 2026.
qitaf	Postpaid customers earn 1 Qitaf point per 15 SAR paid against eligible portions of their bill. Tamayouz Platinum customers earn 1.5 points per 15 SAR; Tamayouz Diamond customers earn 2 points per 15 SAR. Specific Mofawtar Prime and Baity packages earn fixed monthly bonuses ranging from 10 to 35 points. Members earn 1 point per 10 SAR at most partner outlets (Yelo, Applebee's, Ocean Basket, AbdulSamad AlQurashi, and others), and varying rates at others. Travel partners include Almosafer (1 point per 20 SAR flights, 1 per 10 SAR hotels) and Flyin. Excluded from earning: VAT, device installments, direct billing services (Apple, Google, Netflix, Spotify, OSN, stc TV), roaming packages, and many add-ons.

Redemption structure

Avios	Avios redeem on Qatar Airways and oneworld alliance flights worldwide - economy, business, and first class. Cabin upgrades to Business class on Qatar Airways are available. Cash + Avios allows part-payment for flights, giving flexibility on Avios-poor or last-minute bookings. At Qatar Duty Free in Hamad International Airport (Doha), Avios redemptions save up to 20% on luxury brands and dining. Members can also redeem at the Privilege Club Collection (lifestyle merchandise) and convert Avios with partner programs. Expired Avios can be revalidated at USD 0.015 per Avios - unique flexibility among airline programs.
qitaf	Points redeem at partner outlets at a rate of 5 Qitaf points = 1 SAR by sharing the registered mobile number with the cashier and confirming via OTP. Members can also pay Saudi Electricity bills with points, redeem for stc internal services (minutes, SMS, data, bill discounts), transfer to flynas naSmiles miles at 1 Qitaf = 2 miles, or use points toward flights and hotels via Almosafer and Flyin. Internal stc rewards (minutes, SMS, data) expire 1 month from issuance. Redemption is processed via the Qitaf app, mySTC app, web portal, SMS to 900, or by calling 900. The Qitaf app supports non-stc users.

Partner network · Tiers & status · Point expiry policy

	Avios	qitaf
Number of partners	0	0
Partners	—	—
Number of tiers	4	0
Top tier	Platinum	—
First-tier qualification	150 points	—
Point expiry	36 months inactivity (reset on earn)	12 months

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