Here is my take in things.
Loyalty points are loyalty points, it does not matter if they are on a Season Card, a City Card or an Access Card. They reward you for being loyal, so the more points you have, the more loyal you are. The more points you have, then the more games you have attended. I have had a season ticket for about 5 of the last 7 years, this year i had to give it up. I got an City Card and i now have 2400 points on it. Someone who bought a season ticket this season will on the current format, be offered a ticket at the semi before me. Does this mean they are a bigger and more "loyal" fan than me, does it bollocks. it proves they are probably jumping on the city bandwagon now we are on the up.
So, for the final, it should go to the people with the highest loyalty points, and work there way down. It shouldnt matter what card type you have.