Miles&Smiles vs stc tamayouz: which loyalty program wins?

We score Miles&Smiles 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

Miles&Smiles is best for Frequent flyers, while stc tamayouz is best for High-spend stc customers paying > 2,000 SAR/month.

Skip Miles&Smiles if Anyone who flies infrequently.

Overall rating

	Miles&Smiles	stc tamayouz
Overall rating	3.9 / 5	2.6 / 5
Earning	4.0 / 5	2.0 / 5
Redemption	4.0 / 5	3.0 / 5
Network	5.0 / 5	2.0 / 5
Ease of use	3.0 / 5	3.0 / 5
Expiry	3.0 / 5	3.0 / 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.
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

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.
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

	Miles&Smiles	stc tamayouz
Number of partners	0	0
Partners	—	—
Number of tiers	4	3
Top tier	Elite Plus	Diamond
First-tier qualification	25,000 points	7,800 SAR spend
Point expiry	36 months	12 months

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