Mukafaat Albilad vs Shukran: which loyalty program wins?

We score Mukafaat Albilad and Shukran 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

Mukafaat Albilad is best for Premium Tamkeen Plus cardholders, while Shukran is best for Mall shoppers.

Skip Mukafaat Albilad if Anyone with mada Classic/Gold or Tamkeen Platinum, and skip Shukran if Shoppers outside Landmark brands.

Overall rating

	Mukafaat Albilad	Shukran
Overall rating	3.6 / 5	3.5 / 5
Earning	4.0 / 5	2.0 / 5
Redemption	4.0 / 5	4.0 / 5
Network	4.0 / 5	4.0 / 5
Ease of use	3.0 / 5	4.0 / 5
Expiry	2.0 / 5	4.0 / 5

Earning structure

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.
Shukran	Members earn Shukrans on every purchase at Landmark Group brands and partners across the GCC, Jordan, and Egypt. The earn rate is tier-based: Classic members earn 17 Shukrans per 100 SAR, Silver 18, Gold 19, and Platinum 21 - equivalent to roughly 0.85% to 1.05% back.

Redemption structure

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.
Shukran	Shukrans redeem at a fixed rate of 200 Shukrans = 10 SAR (1 Shukran = 0.05 SAR) at any participating Landmark Group brand or partner outlet across the GCC, Jordan, and Egypt - both in-store and online. Minimum redemption threshold is 200 Shukrans.

Partner network · Tiers & status · Point expiry policy

	Mukafaat Albilad	Shukran
Number of partners	0	0
Partners	—	—
Number of tiers	0	4
Top tier	—	Platinum
First-tier qualification	—	750 SAR spend
Point expiry	12 months	12 months

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