British Airways Club vs Mukafaat Albilad: which loyalty program wins?

We score British Airways Club and Mukafaat Albilad 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

British Airways Club is best for Frequent flyers, while Mukafaat Albilad is best for Premium Tamkeen Plus cardholders.

Skip British Airways Club if Anyone targeting elite status, and skip Mukafaat Albilad if Anyone with mada Classic/Gold or Tamkeen Platinum.

Overall rating

	British Airways Club	Mukafaat Albilad
Overall rating	4.1 / 5	3.6 / 5
Earning	3.0 / 5	4.0 / 5
Redemption	5.0 / 5	4.0 / 5
Network	5.0 / 5	4.0 / 5
Ease of use	3.0 / 5	3.0 / 5
Expiry	4.0 / 5	2.0 / 5

Earning structure

British Airways Club	Members earn two currencies on BA-marketed flights and oneworld partners: Avios (the spending currency) and Tier Points (the status currency). Avios accrue at 6 per £1 (Blue), 7 (Bronze), 8 (Silver), or 9 (Gold) on eligible BA spending. Tier Points: 1 per £1 of eligible BA spend (fare + extras like seats, baggage), 2 per £1 of Sustainable Aviation Fuel contributions (April 2026 update, max 2,000 tier points/year). Bonus tier points based on fare type (April 2026): flexible fares earn more than standard fares within the same cabin. American Airlines and Iberia flights now earn bonus tier points based on cabin/haul. No Saudi bank issues a BA co-branded card. Avios can also be earned via Marriott Bonvoy transfer (3:1 ratio, 5,000 bonus per 60,000 points).
Mukafaat Albilad	Members earn Mukafaat Albilad points on every purchase, with rates varying significantly by card type. Tamkeen Plus Signature and Infinite credit cards earn 5 points per SAR domestic and 6.5 per SAR international - among the highest in Saudi banking. Tamkeen Plus Platinum earns 3.5/4.5 (domestic/international); Tamkeen Plus Classic 2.5/3.5. Albilad Signature/Infinite credit cards earn 3 points/SAR. Albilad Silver/Gold credit cards earn 1 point/SAR. Most mada debit cards earn 0 points on domestic purchases (1 point on international only — except Signature/Infinite mada which earn 3 points internationally). Uniquely among Saudi banks, points are earned on SADAD bill payments, government payment websites, Saudi Electric and National Water websites (not via SADAD), and fuel stations.

Redemption structure

British Airways Club	Avios redeem for award flights and upgrades on BA, oneworld partners. Reward Flight Saver offers fixed cash + Avios pricing for select short-haul routes. Standard award flights use variable Avios + taxes/fees. BA award redemptions include high carrier-imposed surcharges (especially on premium-cabin long-haul). Members can use Avios for hotel stays (BA Hotels), car rentals, Avios shopping, BA Cabin Crew Wine, and gift experiences. Cash + Avios part-pay available on most BA bookings. Tier Points cannot be redeemed — they only determine status.
Mukafaat Albilad	Points redeem through six channels via the Mukafaat Albilad portal at albiladmukafaat.com or via the Albilad app: airline tickets across 550+ carriers, hotel bookings across 175,000+ hotels worldwide, retail shopping vouchers from leading merchants, transfer to airline frequent flyer programs, charity donations to participating organizations, and cashback at any merchant - use points to repay the value of recent purchases made via Albilad card at any POS within 7 days of the original transaction. Limited-time campaigns offer enhanced transfer rates, such as the June 2026 promotion giving 30% bonus Avios on Mukafaat-to-Avios transfers. Vouchers redeemed are typically non-refundable. Points cannot be used to pay credit card fees.

Partner network · Tiers & status · Point expiry policy

	British Airways Club	Mukafaat Albilad
Number of partners	0	0
Partners	—	—
Number of tiers	4	0
Top tier	Gold	—
First-tier qualification	3,500 points	—
Point expiry	36 months inactivity (reset on earn)	12 months

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