LAK Rewards vs Neqaty: which loyalty program wins?

We score LAK Rewards and Neqaty 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

LAK Rewards is best for Early adopters, while Neqaty is best for Mobily subscribers.

Skip LAK Rewards if Users wanting wide partner coverage, and skip Neqaty if Non-Mobily customers.

Overall rating

	LAK Rewards	Neqaty
Overall rating	2.6 / 5	3.1 / 5
Earning	3.0 / 5	3.0 / 5
Redemption	3.0 / 5	3.0 / 5
Network	2.0 / 5	4.0 / 5
Ease of use	3.0 / 5	3.0 / 5
Expiry	2.0 / 5	2.0 / 5

Earning structure

LAK Rewards	Members earn LAK points on eligible local and international transactions made with SNB AlAhli credit cards, prepaid cards, and the Global Multi-Currency Credit Card. Earn rates vary by card segment (Titanium, Platinum, World, Infinite) - cardholders need to check their card's terms or the SNB Mobile app to find their specific rate. An additional bonus of up to 50% applies on overseas transactions paid in the local currency of the country visited. The Cashback Credit Card and Alfursan Credit Card are excluded from LAK earning, as they have separate reward structures.
Neqaty	Members earn 1 Neqaty point per 1 SAR spent on Mobily services. Postpaid customers earn on monthly bill payments; prepaid customers earn on calls, SMS, and data usage. Bundle and add-on charges do not earn points. Additional points can be earned at 1,200+ partner outlets across Saudi Arabia, with bonus rates at specific partners (e.g. 1 point per 10 SAR at Resal). The Samba/SNB Mobily co-branded credit card earns 1 point per 6 SAR on retail purchases. Members can also transfer points bidirectionally with Shukran (Landmark Group) and SNB LAK (10,000 LAK points = 1,000 Neqaty points).

Redemption structure

LAK Rewards	Points redeem through the SNB Mobile app or LakRewards.com, with a minimum threshold of 1,000 points. Redemption options include cashback to the card, transfer to Alfursan miles, flight and hotel bookings via the LAK travel portal, e-gift cards, and partner merchant purchases.
Neqaty	Points redeem for Mobily services (voice minutes, data, free credit, bill discounts) starting from low thresholds, and at 1,200+ partner outlets across Saudi Arabia for cash discounts on purchases. Cash redemption at partner stores requires a minimum 3,000-point balance, with a maximum cash discount of 1,800 SAR per partner visit. Major partners include Resal (300+ digital gift cards), Yelo car rental, and Modern Electronics Company. Redemption is processed via the Mobily app, web portal, SMS, USSD, or by sharing the registered mobile number with the cashier and confirming via OTP.

Partner network · Tiers & status · Point expiry policy

	LAK Rewards	Neqaty
Number of partners	0	0
Partners	—	—
Number of tiers	0	0
Top tier	—	—
First-tier qualification	—	—
Point expiry	12 months	18 months

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