Etihad Guest
Etihad Airways
VS
mokafaa
Alrajhi Bank
Etihad Guest vs mokafaa: which loyalty program wins?
We score Etihad Guest 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
Etihad Guest is best for Frequent flyers, while mokafaa is best for Everyday spending.
Skip Etihad Guest if Domestic flyers, and skip mokafaa if Travellers chasing airline miles.
Overall rating
| Etihad Guest | mokafaa | |
|---|---|---|
| Overall rating | 3.1 / 5 | 4.1 / 5 |
| Earning | 2.0 / 5 | 5.0 / 5 |
| Redemption | 4.0 / 5 | 3.0 / 5 |
| Network | 4.0 / 5 | 5.0 / 5 |
| Ease of use | 3.0 / 5 | 4.0 / 5 |
| Expiry | 2.0 / 5 | 3.0 / 5 |
Earning structure
| Etihad Guest | Members earn Etihad Guest Miles by flying with Etihad Airways or 25+ partner airlines including American Airlines, ANA, Air Canada, Air France-KLM, Korean Air, Virgin Australia, SAS, and others. Earning also extends to 300,000+ hotels through Accor, Hyatt, and Marriott Bonvoy, car rentals with Avis and Budget, the Etihad Guest shopping portal, and dining partners. Members can also purchase miles (up to 100,000 per year, 150,000 for Platinum) and use the MilesBooster feature for retroactive miles on past flights. For Tier Miles (which qualify members for status), only Etihad flights and Etihad-issued payment cards count — partner flights no longer earn Tier Miles as of June 2024. | |
|---|---|---|
| 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
| Etihad Guest | Miles redeem for flights and upgrades on Etihad Airways and 25+ partner airlines using a distance-based award chart. Members can also redeem for hotel stays worldwide via Accor, Hyatt, and Marriott Bonvoy, car rentals, and items in the Etihad Guest Reward Shop. Premium-cabin awards (Business and First) on Etihad's own routes deliver the highest typical value. Note: as of November 2025, Value awards are non-cancellable, and higher-tier awards have a 72-hour no-change window. Some partner award redemptions require calling the Etihad Guest call centre. Members can also use the Cash + Miles option for partial payment on flights. | |
|---|---|---|
| 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
| Etihad Guest | mokafaa | |
|---|---|---|
| Number of partners | 0 | 0 |
| Partners | — | — |
| Number of tiers | 5 | 0 |
| Top tier | Emerald | — |
| First-tier qualification | 25,000 points | — |
| Point expiry | 18 months inactivity (reset on earn) | 12 months |