ICSAB+ vs Radisson Rewards: which loyalty program wins?

We score ICSAB+ and Radisson Rewards 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

ICSAB+ is best for Households paying SADAD and government bills, while Radisson Rewards is best for Frequent flyers.

Skip ICSAB+ if Heavy spenders on groceries, fuel, and restaurants, and skip Radisson Rewards if Occasional hotel guests.

Overall rating

	ICSAB+	Radisson Rewards
Overall rating	3.6 / 5	2.8 / 5
Earning	4.0 / 5	3.0 / 5
Redemption	3.0 / 5	3.0 / 5
Network	4.0 / 5	3.0 / 5
Ease of use	4.0 / 5	3.0 / 5
Expiry	3.0 / 5	2.0 / 5

Earning structure

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%.
Radisson Rewards	Members earn Radisson Rewards points on every paid stay at participating Radisson Hotel Group properties globally. Earn rates vary by tier: Club (entry, default) earns 9 points per USD spent on eligible room charges (excluding taxes and fees); Premium earns 27 points per USD; VIP earns 36 points per USD. Points also accrue on hotel incidentals charged to the room at participating properties. Members can also earn through Radisson promotional offers and the unique Discount Booster (2026) which trades fewer points for a higher instant discount (up to 20%) on the stay. Points can be purchased (up to 250,000 per year) but purchased points don't count toward elite status qualification. There are no Radisson Rewards credit cards available - co-brand cards were discontinued globally.

Redemption structure

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
Radisson Rewards	Points redeem for award nights at any Radisson Hotel Group property worldwide. Standard room award nights start from 9,000 points, or 5,000 points with the Points + Cash option for partial payment. There are no blackout dates on standard room redemptions. Uniquely, members still receive elite benefits (room upgrades and late checkout) when booking with points — unlike some hotel chains. Award pricing is increasingly dynamic since 2022, though some sweet spots remain on the award chart. Members can also redeem for gift cards, merchandise, travel experiences, and donations to charity. Limited airline and travel partner transfer options exist but generally offer poor value due to the compressed point value (~0.25 cents USD per point industry valuation).

Partner network · Tiers & status · Point expiry policy

	ICSAB+	Radisson Rewards
Number of partners	0	0
Partners	—	—
Number of tiers	0	3
Top tier	—	VIP
First-tier qualification	—	3 stays
Point expiry	12 months	24 months inactivity (reset on earn)

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