Falconflyer vs Mukafaat Albilad: which loyalty program wins?

We score Falconflyer 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

Falconflyer is best for Anyone with Bahrain travel routine, while Mukafaat Albilad is best for Premium Tamkeen Plus cardholders.

Skip Falconflyer if Anyone wanting wide global partner network, and skip Mukafaat Albilad if Anyone with mada Classic/Gold or Tamkeen Platinum.

Overall rating

	Falconflyer	Mukafaat Albilad
Overall rating	2.9 / 5	3.6 / 5
Earning	3.0 / 5	4.0 / 5
Redemption	3.0 / 5	4.0 / 5
Network	2.0 / 5	4.0 / 5
Ease of use	3.0 / 5	3.0 / 5
Expiry	4.0 / 5	2.0 / 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.
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

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.
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

	Falconflyer	Mukafaat Albilad
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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