Blue Rewards
Al-Futtaim Group
VS
Hassad
Riyad Bank
Blue Rewards vs Hassad: which loyalty program wins?
We score Blue Rewards and Hassad 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
Blue Rewards is best for Mall shoppers, while Hassad is best for Riyad Bank World Elite cardholders who spend internationally or on e-gaming.
Skip Blue Rewards if Any non-UAE resident expecting the 5–9% cashback rates featured in marketing, and skip Hassad if Anyone wanting long point validity or airline/hotel transfer partners.
Overall rating
| Blue Rewards | Hassad | |
|---|---|---|
| Overall rating | 2.6 / 5 | 2.8 / 5 |
| Earning | 2.0 / 5 | 3.0 / 5 |
| Redemption | 3.0 / 5 | 3.0 / 5 |
| Network | 2.0 / 5 | 3.0 / 5 |
| Ease of use | 4.0 / 5 | 3.0 / 5 |
| Expiry | 2.0 / 5 | 2.0 / 5 |
Earning structure
| Blue Rewards | Saudi members earn 1% cashback on purchases at participating Al-Futtaim brand stores. Cashback is credited to the Blue Wallet within the app. Additional Blue Points can be earned through in-app games, quizzes, achievements, referrals, and special promotions. Scan-and-earn at participating Al-Futtaim malls (where available). The Blue FAB credit card with 5-9% cashback rates is currently available only in the UAE - Saudi residents earn at the base 1% cashback rate without bank card amplification. | |
|---|---|---|
| Hassad | Members are auto-enrolled in Hassad Rewards on most Riyad Bank credit card activations (some cards excluded). Earn rates vary significantly by card type and transaction category: World Elite Mastercard delivers up to 2.5% back; entry tiers typically earn 1% on local point-of-sale, 1.5% on international, 1.25% on online purchases, and 7.5% on e-gaming platforms. Welcome bonuses of 500-1,600 Hassad points apply on most cards. Points are also earned through digital banking transactions beyond card spend. The Hassad Rewards Calculator on the Riyad Bank website calculates expected points by card type and transaction type. |
Redemption structure
| Blue Rewards | Blue Wallet cashback is redeemed for vouchers, brand purchases, or Blue Gift cards through the Blue Rewards app. Blue Points are converted to vouchers and exclusive offers from top brands. Members can purchase Blue Gift cards (digital gift cards) with a 2% top-up bonus, usable across participating Al-Futtaim brands. Exclusive offers include 2-for-1 deals on dining, entertainment, and lifestyle activities. Festival Malls Gift Cards are available for use across mall stores. Redemption is digital-first via the Blue Rewards app. Saudi members access the same redemption catalog as other markets, though some partner offers may be UAE-specific. | |
|---|---|---|
| Hassad | Points redeem through two main channels: at Hassad partner stores by providing the registered mobile number and confirming the transaction with an OTP code sent by SMS; or through the Riyad Bank mobile app for gift cards and vouchers. Members can transfer Hassad points to other Hassad members using their mobile number or Hassad ID. Minimum redemption threshold is 1,000 Hassad points. Vouchers obtained through Hassad are non-refundable and non-transferable. Points cannot be redeemed for cash or used to pay credit card fees, and are non-transferable financially. Refunded or cancelled transactions reverse the corresponding Hassad points. |
Partner network · Tiers & status · Point expiry policy
| Blue Rewards | Hassad | |
|---|---|---|
| Number of partners | 0 | 0 |
| Partners | — | — |
| Number of tiers | 0 | 0 |
| Top tier | — | — |
| First-tier qualification | — | — |
| Point expiry | fixed | 12 months |