Falconflyer vs ICSAB+: which loyalty program wins?

We score Falconflyer and ICSAB+ 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

Falconflyer is best for Anyone with Bahrain travel routine, while ICSAB+ is best for Households paying SADAD and government bills.

Skip Falconflyer if Anyone wanting wide global partner network, and skip ICSAB+ if Heavy spenders on groceries, fuel, and restaurants.

Overall rating

	Falconflyer	ICSAB+
Overall rating	2.9 / 5	3.6 / 5
Earning	3.0 / 5	4.0 / 5
Redemption	3.0 / 5	3.0 / 5
Network	2.0 / 5	4.0 / 5
Ease of use	3.0 / 5	4.0 / 5
Expiry	4.0 / 5	3.0 / 5

Earning structure

Falconflyer	Members earn Falconflyer Miles by flying Gulf Air (with class-of-service multipliers - Falcon Gold business class earns up to 250%) and on Etihad Airways operated flights (Falconflyer's primary partner airline). Tier bonus miles for higher tiers: Silver +25%, Gold +50%, Black +75%. Saudi-specific earning surfaces: every transaction on the stc pay app earns Falconflyer miles, and Mobily Neqaty points can be converted to Falconflyer miles. Members can also earn through hotel partners, car rental partners, and various other lifestyle partners. Loyalty Points are earned only on Gulf Air and Etihad-operated flights. Members can buy up to 50,000 miles per year at USD 25 per 1,000 miles. Family enrollment (up to 8 nominated family members) allows pooling 70% of regular mileage.
ICSAB+	Members earn ICSAB+ points across a wide range of activities: credit card spend (7.5–12.5 points per 100 SAR domestic, 10–15 points international, depending on card type), Mada debit card spend (0.5 points domestic, 1 point international per 100 SAR), digital banking registration and activity (10–40 points), paperless statement enrollment (10–20 points), ITM and e-Desk services (10 points each), AQSAT installment plans (10–30 points), IPO enrollment (20–40 points), and personal/home finance applications (100–200 points). Digital payment behavior boosts earnings: contactless +5%, digital wallet +10%, online purchases +15%, recurring digital payments +20%.

Redemption structure

Falconflyer	Falconflyer Miles redeem for award flights and upgrades on Gulf Air, award flights on Etihad Airways (partner), excess baggage, lounge access, and seat upgrades at airports. Members can also transfer Falconflyer Miles to ALL Accor hotel points for global hotel stays. Family members can use miles for awards at 70% of regular mileage rates. Award flight changes incur fees: USD 40/6,000 miles (Blue), USD 20/3,000 miles (Silver/Gold), USD 10/1,000 miles (Black). Date changes are free for Gold and Black tiers. Etihad Airways redemptions must be made through the Gulf Air contact center (+973 17 37 37 37) rather than online. All taxes and surcharges apply on top of mile redemption.
ICSAB+	Points redeem through six channels via SAB Mobile or SAB Online: Instant ICSAB+ Cash (1,000 points = 70 SAR, deposited to account or credit card instantly via app or within 3 working days, 200 SAR minimum), Pay with ICSAB+ for SADAD and government payments directly through SAB, E-vouchers at 150+ merchants (1,000 points = 100 SAR — the highest-value path), Online Travel (flights, hotels, car rentals booked directly through the ICSAB+ portal, 1,000-point minimum), Charitable donations to Ehsan or Joodeskan (500 points = 50 SAR, no upper limit), and Points Exchange transfers to airline, hotel, and telecom partner programs. Travel redemptions cannot be cancelled or refunded once confirmed. Most other redemptions are also non-refundable. Redemption requires accepting program T&Cs on first use

Partner network · Tiers & status · Point expiry policy

	Falconflyer	ICSAB+
Number of partners	0	0
Partners	—	—
Number of tiers	4	0
Top tier	Black	—
First-tier qualification	900 points	—
Point expiry	36 months	12 months

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