Hassad vs Hilton Honors: which loyalty program wins?

We score Hassad and Hilton Honors 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

Hassad is best for Riyad Bank World Elite cardholders who spend internationally or on e-gaming, while Hilton Honors is best for Frequent flyers.

Skip Hassad if Anyone wanting long point validity or airline/hotel transfer partners, and skip Hilton Honors if Anyone wanting to earn through daily spend.

Overall rating

	Hassad	Hilton Honors
Overall rating	2.8 / 5	3.8 / 5
Earning	3.0 / 5	3.0 / 5
Redemption	3.0 / 5	4.0 / 5
Network	3.0 / 5	5.0 / 5
Ease of use	3.0 / 5	4.0 / 5
Expiry	2.0 / 5	3.0 / 5

Earning structure

Hassad	Members are auto-enrolled in Hassad Rewards on most Riyad Bank credit card activations (some cards excluded). Earn rates vary significantly by card type and transaction category: World Elite Mastercard delivers up to 2.5% back; entry tiers typically earn 1% on local point-of-sale, 1.5% on international, 1.25% on online purchases, and 7.5% on e-gaming platforms. Welcome bonuses of 500-1,600 Hassad points apply on most cards. Points are also earned through digital banking transactions beyond card spend. The Hassad Rewards Calculator on the Riyad Bank website calculates expected points by card type and transaction type.
Hilton Honors	Members earn 10 base points per USD spent at most Hilton brand properties (Hilton, Hampton, DoubleTree, Embassy Suites, Conrad, Waldorf Astoria, and others). Earnings drop to 5 points/USD at Home2 Suites, Homewood Suites, Spark, Tru, and Apartment Collection brands, and 3 points/USD at LivSmart Studios. Elite tier members receive bonus points: Silver +20%, Gold +80%, Diamond +100%, Diamond Reserve +120%. Points also earned on hotel incidentals (dining, spa, laundry) charged to the room. Saudi users don't have access to a Hilton-branded credit card - Hilton's four Amex cards are US-only. Points can be purchased (up to 160,000 per year).

Redemption structure

Hassad	Points redeem through two main channels: at Hassad partner stores by providing the registered mobile number and confirming the transaction with an OTP code sent by SMS; or through the Riyad Bank mobile app for gift cards and vouchers. Members can transfer Hassad points to other Hassad members using their mobile number or Hassad ID. Minimum redemption threshold is 1,000 Hassad points. Vouchers obtained through Hassad are non-refundable and non-transferable. Points cannot be redeemed for cash or used to pay credit card fees, and are non-transferable financially. Refunded or cancelled transactions reverse the corresponding Hassad points.
Hilton Honors	Points redeem for hotel stays at 9,000+ Hilton properties in 142 countries. Standard rooms use variable point pricing (not a fixed award chart since 2020). The Points + Money slider lets members part-pay with cash, useful when short on points. Free Night Rewards from credit cards (US-only) provide alternative redemption. Members can also transfer points to airline partners (10:1 ratio, typically 10,000 Hilton = 1,000 airline miles) - partners include Saudia Alfursan, British Airways Avios, Air France-KLM Flying Blue, ANA, Cathay Asia Miles, Korean Air, Virgin Atlantic, and more. Experience redemptions (concerts, sports, dining) available. Silver+ members get 5th-night-free on award stays.

Partner network · Tiers & status · Point expiry policy

	Hassad	Hilton Honors
Number of partners	0	0
Partners	—	—
Number of tiers	0	5
Top tier	—	Diamond Reserve
First-tier qualification	—	4 stays
Point expiry	12 months	24 months inactivity (reset on earn)

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