Club Apparel vs mokafaa: which loyalty program wins?

We score Club Apparel and mokafaa 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 mokafaa is best for Everyday spending.

Skip Club Apparel if Bargain hunters who chase clearance, and skip mokafaa if Travellers chasing airline miles.

Overall rating

	Club Apparel	mokafaa
Overall rating	3.2 / 5	4.1 / 5
Earning	3.0 / 5	5.0 / 5
Redemption	3.0 / 5	3.0 / 5
Network	3.0 / 5	5.0 / 5
Ease of use	4.0 / 5	4.0 / 5
Expiry	3.0 / 5	3.0 / 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
mokafaa	Members earn 1 Mokafaa point per 1 SAR spent on Al Rajhi credit, charge, prepaid, and low-limit cards across domestic and international transactions. Premium card products earn at accelerated rates. Bonus earning applies in specific categories: 10 points per SAR at Yelo auto leasing, 5 points per SAR on Zain postpaid bills, and 2 points per SAR on Zain prepaid recharges. Points also accrue on Al Rajhi banking products and services beyond card spend, including bill payments and transfers. SADAD payments, e-wallet transactions, fees, and cash advances are excluded from earning.

Redemption structure

Club Apparel	Points redeem instantly at checkout in any participating Apparel Group store by scanning the in-app barcode
mokafaa	Points redeem at 250 Mokafaa points = 1 SAR across the partner network of 170+ direct merchants in Saudi Arabia, plus 600+ additional brands via the Resal app integration. Major redemption channels include eXtra (electronics), noon (e-commerce), e-vouchers, charitable donations, and merchandise. At partner stores, members redeem by sharing their registered mobile number with the cashier and confirming via OTP - no app or card required at checkout. Mokafaa points also transfer to Alfursan miles at 18 points per mile. Mokafaa points cannot be transferred to other accounts or converted to cash.

Partner network · Tiers & status · Point expiry policy

	Club Apparel	mokafaa
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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