IHG® One Rewards
IHG Hotels & Resorts
VS
mokafaa
Alrajhi Bank
IHG® One Rewards vs mokafaa: which loyalty program wins?
We score IHG® One Rewards 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
IHG® One Rewards is best for Frequent flyers, while mokafaa is best for Everyday spending.
Skip IHG® One Rewards if Anyone wanting predictable redemption costs or daily-spend earning, and skip mokafaa if Travellers chasing airline miles.
Overall rating
| IHG® One Rewards | mokafaa | |
|---|---|---|
| Overall rating | 3.2 / 5 | 4.1 / 5 |
| Earning | 3.0 / 5 | 5.0 / 5 |
| Redemption | 3.0 / 5 | 3.0 / 5 |
| Network | 4.0 / 5 | 5.0 / 5 |
| Ease of use | 3.0 / 5 | 4.0 / 5 |
| Expiry | 3.0 / 5 | 3.0 / 5 |
Earning structure
| IHG® One Rewards | Members earn 10 base points per USD spent at most IHG brands. Extended-stay brands (Staybridge Suites, Candlewood Suites) earn 5 points/USD. Elite tier members receive bonus points: Silver +20%, Gold +40%, Platinum +60%, Diamond +100%. Saudi users do not have access to IHG-branded credit cards - the IHG Premier and Traveler cards from Chase are US-only. Members can also earn points through Hertz car rentals (1,500 bonus + 125-500 points/day), OpenTable dining reservations, and point purchases. | |
|---|---|---|
| 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
| IHG® One Rewards | Points redeem for hotel stays at 6,300+ IHG properties in 100+ countries. Variable point pricing applies (no published award chart since 2018) - redemption costs shift based on cash rates. Members can also use Points + Cash flexibility, transfer to 30+ airline partners (typically poor 5:1 or 10:1 ratios), redeem for gift cards, merchandise, or Hertz car rentals. Platinum and Diamond Elite members get exclusive access to promotional Reward Night discounts. IHG dropped fixed award charts in favor of variable dynamic pricing, making redemption costs less predictable than competitors. | |
|---|---|---|
| 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
| IHG® One Rewards | mokafaa | |
|---|---|---|
| Number of partners | 0 | 0 |
| Partners | — | — |
| Number of tiers | 5 | 0 |
| Top tier | Diamond Elite | — |
| First-tier qualification | 20,000 points | — |
| Point expiry | 12 months inactivity (reset on earn) | 12 months |