Hassad vs Mukafaat Albilad: which loyalty program wins?

We score Hassad 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

Hassad is best for Riyad Bank World Elite cardholders who spend internationally or on e-gaming, while Mukafaat Albilad is best for Premium Tamkeen Plus cardholders.

Skip Hassad if Anyone wanting long point validity or airline/hotel transfer partners, and skip Mukafaat Albilad if Anyone with mada Classic/Gold or Tamkeen Platinum.

Overall rating

	Hassad	Mukafaat Albilad
Overall rating	2.8 / 5	3.6 / 5
Earning	3.0 / 5	4.0 / 5
Redemption	3.0 / 5	4.0 / 5
Network	3.0 / 5	4.0 / 5
Ease of use	3.0 / 5	3.0 / 5
Expiry	2.0 / 5	2.0 / 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.
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

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.
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

	Hassad	Mukafaat Albilad
Number of partners	0	0
Partners	—	—
Number of tiers	0	0
Top tier	—	—
First-tier qualification	—	—
Point expiry	12 months	12 months

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