Club Apparel vs Hassad: which loyalty program wins?

We score Club Apparel 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

Club Apparel is best for Mall shoppers, while Hassad is best for Riyad Bank World Elite cardholders who spend internationally or on e-gaming.

Skip Club Apparel if Bargain hunters who chase clearance, and skip Hassad if Anyone wanting long point validity or airline/hotel transfer partners.

Overall rating

	Club Apparel	Hassad
Overall rating	3.2 / 5	2.8 / 5
Earning	3.0 / 5	3.0 / 5
Redemption	3.0 / 5	3.0 / 5
Network	3.0 / 5	3.0 / 5
Ease of use	4.0 / 5	3.0 / 5
Expiry	3.0 / 5	2.0 / 5

Earning structure

Club Apparel	The base earn rate is around 2% back, with up to 5% available at higher tiers and during promotional events like 5x points campaigns
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

Club Apparel	Points redeem instantly at checkout in any participating Apparel Group store by scanning the in-app barcode
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

	Club Apparel	Hassad
Number of partners	0	0
Partners	—	—
Number of tiers	3	0
Top tier	Platinum	—
First-tier qualification	10,000 SAR spend	—
Point expiry	12 months	12 months

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