Frequently Asked Questions

What is Mashreq Salaam Rewards?
Salaam is Mashreq's loyalty program that rewards you on your entire banking relationship with us. As our customer, you earn points every time you spend on your Salaam Eligible* Mashreq credit & debit cards, and on top of that, we also reward you with points on all eligible existing & new Mashreq banking solutions that you use. You can then redeem your points to book airline tickets online or book a hotel stay or shop for electronics on Mashreq.com/salaamonline. You can also redeem your points instantly through POS (Point-of-sale) machines at preferred retail and travel partners
Mashreq Corporate Credit Cards customers can redeem their Salaam Points online on Mashreq.com/salaamonline. Option to redeem Salaam Points instantly through POS is not available on Corporate Credit Cards.
*Salaam Eligible products are listed below under “How do you earn points?
Do you need to register for Salaam?
There is no registration required, but you should be a MashreqOnline user in order to use the full functionality of the Salaam website.
How do you earn points?
Your total points balance is made up of the following two types of points:

Relationship Points: You earn these points on your banking relationship with Mashreq for all eligible Conventional and Islamic products, details available in table below. 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.
To start earning relationship points, you must have two products under the same Customer Identification Numbers (CIF) as per below table and also hold a valid Credit or Debit Card:

Conventional Retail Products

Earning

Islamic Retail 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

Revolving Overdraft

Monthly

   

Secured Over Draft

Monthly

 

 


Expatriate Personal Loan , Emirati Personal Loan and Islamic – Personal Finance , Auto Loan 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.
Corporates holding Corporate Credit Cards are not eligible for Relationship Points.

Spend Points: : you earn these points every time you purchase using your Salaam eligible Mashreq credit card & debit card. You earn the following on regular spends:

For UAE Spends
  • Mashreq Platinum Elite and Mashreq Al Islami Platinum: 1 Salaam Points for every AED of domestic spends
  • Solitaire – 2 Salaam Points for every AED of domestic spends
  • Mashreq Al Islami Solitaire – 1 Salaam Points for every AED of domestic spends
  • Mashreq Gold & Classic credit cards: spend 1 AED, earn 2 points
  • Mashreq Platinum, Gold, Classic 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
  • Mashreq Corporate Credit Card: spend 1 AED, earn 1 point
For International Spends
  • Mashreq Platinum Elite and Mashreq Al Islami Platinum credit cards: 5 Salaam Points for every AED equivalent of International Spends
  • Mashreq Solitaire : 6 Salaam Points for every AED equivalent of International spends
  • Mashreq Al Islami Solitaire: 3 Salaam Points for every AED equivalent of International spends
  • Mashreq Gold & Classic credit cards: spend 1 AED, earn 3 points
  • Mashreq Platinum, Gold, Classic debit cards: spend 2 AED equivalent, earn 1 point
  • Mashreq Infinite Debit cards: spend 1 AED equivalent, earn 3 points
  • Mashreq Signature Debit card: spend 1 AED equivalent, earn 3 points
  • Mashreq Al Islami Debit cards: spend 2 AED equivalent, earn 1 point
  • Mashreq Corporate Credit Card: spend 1 AED, earn 2 points


Effective 14th May 2017 Novo Credit Cards will not earn Salaam Points.

The above are the eligible points for normal spend using your eligible Mashreq Credit or Debit Card. However depending on the outlet or outlet category you may earn more or less points and in some cases no points are earned. More details are provided in the table below. Merchants where you earn higher points are detailed under the Special Offers section of the Salaam website and Mashreq Snapp (Mobile Banking App)

Category* Eligible Points for both Domestic & International spends
Government sites, Charity payments and Utility Bill payments NIL – No points will be earned on transactions made on Government sites, Charity Payments and Utility Bill payments made directly through both Credit and Debit Cards except for Solitaire, Platinum Elite and MAIC Platinum Credit cards where you will earn Salaam points as per the regular earning rate.

Supermarkets, Groceries, Educational Institutes, and Fuel (Gas stations) Credit Cards:
Platinum Elite, Islamic Platinum and Solitaire Credit Cards:
a) Customer will earn Salaam points as per the regular earning rate
b) Gold & Classic Credit Card: 1 point per AED spend
c) Corporate Credit Card: 0.5 points per AED spend


Debit Cards:
Platinum, Gold, Classic Debit cards: NIL (No points)*
Visa Infinite Debit cards: spend 2 AED to earn 1 point*
Signature Debit cards: spend 2 AED to earn 1 point*
Al Islami Debit cards: NIL (No points)*

* Effective 23rd October 2015

Regular Spend points will be credited to your point pool on the posting date of the transactions, on your Debit and Credit cards.

How long are the points valid for?
The points will expire three (3) years from the date of earning.
Is there any penalty?
  • Redemption of points will be restricted in case of delay in payment of any Credit Card by the payment due date. This restriction will continue till the next payment due date even if the payment is made during this period. However, the Salaam Points earning will continue and the points will be available for redemption on release of the restriction.
    • All points accumulated would be force burned or deleted:
      • In case there is a delay and/or default of 60 days or more in your credit card payment.
      • In case there is a delay and/or default of 90 days or more in your account and/or the repayment of your loan
    • All accumulated Salaam Points balance shall be forfeited if Customer has not earned or redeemed any Salaam Points in last twelve (12) months.
    How can you use the points you have earned?
    Individual / Retail Customers:

    Now you can choose your own rewards based on the points you’ve earned. So whether you want to buy online airline tickets for your family vacation, buy a new TV, or furniture or simply go for grocery shopping, you can easily do so using your Mashreq Salaam Points.

    You can also use your points to book online travel tickets or stay or purchase electronics of your choice with our Salaam Online site – www.mashreq.com/salaamonline. You can make part payment through Salaam points and pay the rest using your Mashreq Credit card.

    You can INSTANTLY redeem any amount of points through POS (Point-of-sale) machines at selected retail and travel partners. Simply visit the Salaam website or download the Mashreq Snapp to view the list of all our redemption partners and walk in to any brand or outlet of your choice to redeem your points. When you are done with your shopping and are ready to make payment, simply ask the cashier to redeem your Mashreq Salaam Points against your purchases. You must have an active Mashreq debit or credit card which will be required for transaction purposes.

    Corporate Credit Card Customers: For Mashreq Corporate Credit Cards, visit www.mashreq.com/corpcard to get details of our participating redemption partners and call 04-424 4450

    What is INSTANT redemption through point-of-sale machines (POS)?
    With INSTANT redemption you get unlimited flexibility, so you do not need to plan in advance and can redeem your points at any retail and travel partner outlet whenever you feel like it. So if you decide to redeem your points to buy a new phone at one retail partner outlet but change your mind and decide to buy jewellery at another retail partner outlet – you can easily do so.

    Which retail and travel partners offer INSTANT redemption?
    The full list of our selected retail and travel partner outlets are listed on the website as well as on Salaam App. You can search by region, category, or even by the partner name. Once you know the location and contact of our selected partner, simply walk in to the outlet and ask the cashier to redeem your points against your purchases. You will also see Salaam table top signs that mention points redemption at selected retail and travel partner outlets.
    What are the components of the Salaam Points which are appearing in the monthly Credit Card Statement & in Online & Mobile Banking?
    The Salaam Points appearing in your Statement and also in Online & Mobile Banking is the cumulative of Salaam points earned through various Products participating in the Salaam Rewards Program. These cumulative points can be used in whole or in partial for redemption at any Salaam Redemption outlet
    If I use by Salaam Points at Novo Cinemas will I still be eligible for the 50% discounted Movie tickets?
    If you are Mashreq Novo Card holder and if you are using your Salaam Points for purchase of Movie tickets, you will continue to enjoy purchasing the Movie tickets at 50% discounted cost. However it is to be noted that the discounted tickets purchased through Salaam Redemption will also be considered within the eligible discounted tickets per calendar month. Additional tickets purchased in the same month will be charged at the full price in your next Credit Card statement. Please also note effective 2017 , Mashreq Novo card doesn’t earn any Salaam Points on purchases made using the card
    Can I do a partial redemption of Salaam Points for purchasing Movie tickets at 50% discounted cost?
    No, the entire cost of the 50% discounted fare should be redeemed through Salaam Points. On event of insufficient points, the card holder needs to pay for the entire 50% discounted cost by using his Mashreq Novo Credit Card.
    However partial redemption of Salaam Points is allowed for purchase of Food & Beverages at Novo Cinemas as well as at any other participating outlet or Salaam Travel Site.
    I do not have a Mashreq Novo Card but I have Mashreq Core Credit Card and/or Debit Card, can I redeem them for Movie tickets at Novo Cinemas?
    No, only Mashreq Novo Credit Card is accepted for redeeming Salaam Points at Novo Cinemas for purchase of Movie tickets and/or Food & Beverages