ICSAB+ vs stc tamayouz: which loyalty program wins?

We score ICSAB+ and stc tamayouz 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 stc tamayouz is best for High-spend stc customers paying > 2,000 SAR/month.

Skip ICSAB+ if Heavy spenders on groceries, fuel, and restaurants.

Overall rating

	ICSAB+	stc tamayouz
Overall rating	3.6 / 5	2.6 / 5
Earning	4.0 / 5	2.0 / 5
Redemption	3.0 / 5	3.0 / 5
Network	4.0 / 5	2.0 / 5
Ease of use	4.0 / 5	3.0 / 5
Expiry	3.0 / 5	3.0 / 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%.
stc tamayouz	Members earn 1 Tamayouz Membership Point for every 1 SAR paid on stc bills within 28 days of bill issuance. Payments after the 28-day window do not earn points. Tier thresholds within a calendar year: Gold (7,800 points), Platinum (24,000 points), Diamond (48,000 points)

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
stc tamayouz	Tamayouz Membership Points themselves are not redeemable - they only determine tier status. Tier benefits are delivered as monthly free-service allowances managed through the "tamayouz keys" system: each member receives 100 keys per period to allocate across calls, SMS, domestic data, international minutes, GCC and international roaming data, scholarship-country call reception, ringback tones, and call screening. Diamond and Platinum members also receive free GCC and international roaming data allowances. All members get free stc tv premium subscription. Additional benefits include vanity number discounts (30% Gold, 50% Platinum, 70% Diamond), priority customer care, and bill payment extensions of 2–5 days. Members manage allocations through the mySTC app or portal.

Partner network · Tiers & status · Point expiry policy

	ICSAB+	stc tamayouz
Number of partners	0	0
Partners	—	—
Number of tiers	0	3
Top tier	—	Diamond
First-tier qualification	—	7,800 SAR spend
Point expiry	12 months	12 months

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