Miles&Smiles vs Mukafaat Albilad: which loyalty program wins?

We score Miles&Smiles 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

Miles&Smiles is best for Frequent flyers, while Mukafaat Albilad is best for Premium Tamkeen Plus cardholders.

Skip Miles&Smiles if Anyone who flies infrequently, and skip Mukafaat Albilad if Anyone with mada Classic/Gold or Tamkeen Platinum.

Overall rating

	Miles&Smiles	Mukafaat Albilad
Overall rating	3.9 / 5	3.6 / 5
Earning	4.0 / 5	4.0 / 5
Redemption	4.0 / 5	4.0 / 5
Network	5.0 / 5	4.0 / 5
Ease of use	3.0 / 5	3.0 / 5
Expiry	3.0 / 5	2.0 / 5

Earning structure

Miles&Smiles	Members earn both Status Miles (for tier qualification) and Award Miles (for redemption) on Turkish Airlines and AnadoluJet flights - earning depends on flight distance, fare class, and elite status level. Earning extends to 25+ Star Alliance member carriers. Marriott Bonvoy transfer at 3:1 ratio. Choice Privileges transfer at 5:1 ratio. Status Miles can also be earned from 40 qualifying flights (Classic Plus only). Status upgrade purchases of 5,000-10,000 miles are available. No Saudi bank issues a Miles&Smiles co-branded credit card.
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

Miles&Smiles	Award Miles redeem for flights on Turkish Airlines, AnadoluJet, all 25+ Star Alliance partners, and selected non-alliance partners. Award booking is straightforward online for Turkish flights and most Star Alliance partners; some partner awards require calling. Sweet spots remain after the 2024 devaluation: Turkish Business Class to Europe/US, domestic US partner flights at favorable rates (some destinations like Hawaii start from 10,000 miles), and premium-cabin Star Alliance partner redemptions. Cabin upgrades available on Turkish flights. Elite Plus members receive two complimentary cabin upgrades annually. Award changes incur fees varying by tier. Fuel surcharges apply on most premium-cabin partner redemptions. Members can supplement with mile purchases.
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

	Miles&Smiles	Mukafaat Albilad
Number of partners	0	0
Partners	—	—
Number of tiers	4	0
Top tier	Elite Plus	—
First-tier qualification	25,000 points	—
Point expiry	36 months	12 months

Open in loyaup