Blue Rewards
Al-Futtaim Group
VS
qitaf
stc
Blue Rewards vs qitaf: which loyalty program wins?
We score Blue Rewards 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
Blue Rewards is best for Mall shoppers, while qitaf is best for Heavy stc users on plans that earn points + frequent partner shoppers.
Skip Blue Rewards if Any non-UAE resident expecting the 5–9% cashback rates featured in marketing, and skip qitaf if Non-STC subscribers.
Overall rating
| Blue Rewards | qitaf | |
|---|---|---|
| Overall rating | 2.6 / 5 | 3.5 / 5 |
| Earning | 2.0 / 5 | 3.0 / 5 |
| Redemption | 3.0 / 5 | 3.0 / 5 |
| Network | 2.0 / 5 | 4.0 / 5 |
| Ease of use | 4.0 / 5 | 4.0 / 5 |
| Expiry | 2.0 / 5 | 4.0 / 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. | |
|---|---|---|
| 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
| 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. | |
|---|---|---|
| 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
| Blue Rewards | qitaf | |
|---|---|---|
| Number of partners | 0 | 0 |
| Partners | — | — |
| Number of tiers | 0 | 0 |
| Top tier | — | — |
| First-tier qualification | — | — |
| Point expiry | fixed | 12 months |