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Mashreq Salaam Rewards Overview

Welcome to the UAE's best banking loyalty program, Mashreq Salaam Rewards, the revolutionary program that rewards you with points simply for using our banking solutions.

So you can earn points every time you spend on your Mashreq credit & debit cards, and on top of that, you also keep earning points on all existing & new Conventional and Islamic banking solutions that you use.

Now, use your Salaam Points to book tickets online to any destination through any airline of your choice, visit our Salaam Travel site to book flight tickets or hotel bookings online. We also give you unlimited flexibility to INSTANTLY redeem any amount of points through POS (Point-of-sale) machines at selected retail and travel partners. So now you can choose your own rewards based on the points you’ve earned

Choose from the largest selection of top brands across all lifestyle categories such as electronics, jewellery, fashion, cafes & restaurants, travel, home furnishing, department stores & supermarkets, pharmacies, shoes & leather, health & beauty, office supplies and entertainment. So whether you want to buy airline tickets for your family vacation, buy a new 3D TV, pick out jewellery for your loved ones or simply go for grocery shopping, you can easily do so using your Mashreq Salaam Points.

To get started, visit the Salaam website to use the new points calculator to see how quickly your monthly points can add up, or visit the rewards section to see what you can use your points for.

HOW TO USE SALAAM PROGRAM

If you are a new customer:

  • Use the Points Calculator to simulate how many points you can earn per Mashreq banking solution.
  • View the categories of our retail and travel partners to see where you can instantly redeem your points.
  • If you do not have MashreqOnline access, click here to register.

If you are an existing customer

  • In order to see how many points you've earned, or to use your points, you need to Sign On to MashreqOnline, and click the "Salaam" tab on the homepage.
   Once signed on, you can:

  • See your total Mashreq Salaam points balance on the header next to your name. 
  • Use the Points Calculator to simulate how many points you can earn per Mashreq banking solution. The Points Calculator is pre-loaded with your existing products to show you how many points you could be earning. You can add new products or edit existing products to see the impact on your points earning. 
  • View the categories of our retail and travel partners to see where you can instantly use your points.

If you are an existing customer, but do not have MashreqOnline access:

  • You can click here to register. 
  • You can call our 24-hour Call Center on +971-4-424-4444 to inquire about your existing points balance.

HOW TO EARN POINTS

You can earn Mashreq Salaam Points in the following two ways:

1. Relationship Points

  • Earn relationship points on all existing & new banking solutions that you use.
  • To start earning relationship points, you must have two products under the same Customer Identification Numbers (CIF) as per below table

Products

Earning

Islamic Products

Earning

Current Account

Monthly

Current Account

Not Applicable

Savings Account

Monthly

Savings Account

Monthly

Easy Saver

Monthly

Easy Saver

Monthly

Fixed & Unfixed Deposits and Step Up

Monthly

Term Investment

Monthly

MashreqMillionaire Certificates

Monthly

MashreqMillionaire Certificates

Not Applicable

Home Loan

On Fresh Loan

Home Finance

On Fresh Finance

Auto Loan

On Fresh Loan

Auto Finance

On Fresh Finance

Revolving Overdraft

Monthly

   

Secured Over Draft

Monthly


Expatriate Personal Loan , Emirati Personal Loan and Islamic – Personal Finance will not earn Salam Points effective 1st October 2015

  • Relationship points accumulated each month are credited to your total point pool on the 2nd of the following month. 
  • The amount of relationship points you earn for each product is linked to our new tier-based points earning method for the amounts or balances you maintain.

2. Spend Points

  • Earn spend points on your Mashreq credit card & debit card purchases.
UAE Spends

  • Mashreq Platinum credit cards: spend 1 AED, earn 4 points
  • Mashreq Al Islami credit cards: spend 1 AED, earn 3 points
  • Mashreq Novo credit cards: spend 1 AED, earn 2 points
  • Mashreq Gold & Classic credit cards: spend 1 AED, earn 2 points
  • Mashreq debit cards: spend 2 AED, earn 1 point
  • Mashreq Infinite Debit cards: spend 1 AED, earn 1 point
  • Mashreq Signature Debit cards: spend 1 AED, earn 1 point
  • Mashreq Al Islami Debit cards: spend 2 AED, earn 1 point
International Spends

  • Mashreq Platinum credit cards: spend 1 AED equivalent, earn 10 points*
  • Mashreq Al Islami credit cards: spend 1 AED equivalent, earn 6 points
  • Mashreq Novo credit cards: spend 1 AED equivalent, earn 3 points
  • Mashreq Gold & Classic credit cards: spend 1 AED equivalent, earn 3 points
  • Mashreq debit cards: spend 2 AED, earn 1 point
  • Mashreq Infinite Debit cards: spend 1 AED equivalent, earn 3 points
  • Mashreq Signature Debit card: spend 1 AED equivalent, earn 2 points
  • Mashreq Al Islami Debit cards: spend 2 AED, earn 1 point
  • *Effective 1st December 2014.


We also have special offers and customers may have the opportunity to earn higher points. Please visit our Special Offers page on the Mashreq Salaam website for details.

To earn more spend points, you can spend more on your Mashreq credit card & debit cards.

Co-Branded credit cards (Etisalat & Air Arabia) do not earn any spend points

HOW TO USE YOUR POINTS

You can earn Mashreq Salaam Points in the following two ways:

1. Relationship Points

  • Earn relationship points on all existing & new banking solutions that you use.
  • To start earning relationship points, you must have two products under the same Customer Identification Numbers (CIF) as per below table

Products

Earning

Islamic Products

Earning

Current Account

Monthly

Current Account

Not Applicable

Savings Account

Monthly

Savings Account

Monthly

Easy Saver

Monthly

Easy Saver

Monthly

Fixed & Unfixed Deposits and Step Up

Monthly

Term Investment

Monthly

MashreqMillionaire Certificates

Monthly

MashreqMillionaire Certificates

Not Applicable

Home Loan

On Fresh Loan

Home Finance

On Fresh Finance

Auto Loan

On Fresh Loan

Auto Finance

On Fresh Finance

Revolving Overdraft

Monthly

   

Secured Over Draft

Monthly


Expatriate Personal Loan , Emirati Personal Loan and Islamic – Personal Finance will not earn Salam Points effective 1st October 2015

  • Relationship points accumulated each month are credited to your total point pool on the 2nd of the following month. 
  • The amount of relationship points you earn for each product is linked to our new tier-based points earning method for the amounts or balances you maintain.

2. Spend Points

  • Earn spend points on your Mashreq credit card & debit card purchases.
UAE Spends

  • Mashreq Platinum credit cards: spend 1 AED, earn 4 points
  • Mashreq Al Islami credit cards: spend 1 AED, earn 3 points
  • Mashreq Novo credit cards: spend 1 AED, earn 2 points
  • Mashreq Gold & Classic credit cards: spend 1 AED, earn 2 points
  • Mashreq debit cards: spend 2 AED, earn 1 point
  • Mashreq Infinite Debit cards: spend 1 AED, earn 1 point
  • Mashreq Signature Debit cards: spend 1 AED, earn 1 point
  • Mashreq Al Islami Debit cards: spend 2 AED, earn 1 point
International Spends

  • Mashreq Platinum credit cards: spend 1 AED equivalent, earn 10 points*
  • Mashreq Al Islami credit cards: spend 1 AED equivalent, earn 6 points
  • Mashreq Novo credit cards: spend 1 AED equivalent, earn 3 points
  • Mashreq Gold & Classic credit cards: spend 1 AED equivalent, earn 3 points
  • Mashreq debit cards: spend 2 AED, earn 1 point
  • Mashreq Infinite Debit cards: spend 1 AED equivalent, earn 3 points
  • Mashreq Signature Debit card: spend 1 AED equivalent, earn 2 points
  • Mashreq Al Islami Debit cards: spend 2 AED, earn 1 point
  • *Effective 1st December 2014.


We also have special offers and customers may have the opportunity to earn higher points. Please visit our Special Offers page on the Mashreq Salaam website for details.

To earn more spend points, you can spend more on your Mashreq credit card & debit cards.

Co-Branded credit cards (Etisalat & Air Arabia) do not earn any spend points