Flying Blue vs mokafaa: which loyalty program wins?

We score Flying Blue 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

Flying Blue is best for Frequent flyers, while mokafaa is best for Everyday spending.

Skip Flying Blue if Anyone seeking elite status without flying, and skip mokafaa if Travellers chasing airline miles.

Overall rating

	Flying Blue	mokafaa
Overall rating	3.8 / 5	4.1 / 5
Earning	3.0 / 5	5.0 / 5
Redemption	4.0 / 5	3.0 / 5
Network	5.0 / 5	5.0 / 5
Ease of use	3.0 / 5	4.0 / 5
Expiry	4.0 / 5	3.0 / 5

Earning structure

Flying Blue	Members earn Flying Blue Miles on flights with Air France, KLM, Transavia, Aircalin, Air Europa, Kenya Airways, TAROM, and the 19+ SkyTeam alliance partners including Saudia, Delta, Korean Air, China Eastern, Garuda, ITA Airways, China Southern, and Aeromexico. Earn rate by status: Explorer 4 Miles/Euro, Silver 6/Euro, Gold 7/Euro, Platinum 8/Euro, Ultimate 9/Euro. XP (Experience Points) for tier qualification are earned only on flights — Silver requires 100 XP, Gold +180 XP, Platinum +300 XP. XP earnings depend on distance and cabin class. Non-alliance partners include Japan Airlines, Qantas, Virgin Atlantic, GOL, and Etihad. Hotel partner ALL Accor allows seamless earning across both programs. No Saudi bank issues a Flying Blue co-branded credit card.
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

Flying Blue	Miles redeem for award flights on Air France, KLM, all SkyTeam partners, and non-alliance partners (Japan Airlines, Qantas, Virgin Atlantic, GOL, Etihad). Award pricing is moderately dynamic - less than US programs but more than Avios. Monthly Promo Rewards offer 25-50% discounts on selected award routes - a uniquely member-friendly feature. Members can also redeem for cabin upgrades (including World Business Class on long-haul KLM/Air France), seat upgrades, hotel stays (ALL Accor primarily), car rentals, and experiences. La Première (Air France First Class) redemptions are restricted to Platinum and Ultimate members. A 70 Euro change/cancellation fee applies to most awards; waived for Platinum and Ultimate.
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

	Flying Blue	mokafaa
Number of partners	0	0
Partners	—	—
Number of tiers	5	0
Top tier	Ultimate	—
First-tier qualification	100 points	—
Point expiry	24 months inactivity (reset on earn)	12 months

Open in loyaup