Mashreq Salaam

Spend & earn rewards


by banking with Mashreq


Seamlessly & instantly

What is Salaam?

Salaam is Mashreq's loyalty programme that rewards you on your entire banking relationship with us. As our customer, you earn points when you spend using any of the Salaam eligible Mashreq Credit & Debit Cards, and on using all eligible Mashreq banking solutions.

How does it work?

Earning Salaam Points is easy

Simply bank with us and receive points automatically. Earn points when you use Salaam eligible Mashreq Credit and Debit Cards or use other banking solutions like Current and Saving Accounts, Fixed and Unfixed Deposits, Home/Car Loans, Overdrafts and Mashreq Millionaire Certificates.

Redeeming your Salaam Points

Redeem your Points online to buy flight tickets, hotel stays, electronic goods. Also instantly redeem at partner outlets for shopping, dining, movie tickets and more.

Shop with Salaam Points

Redeem your Salaam Points instantly across a wide range of merchants in the UAE

Visit “Card Offers” on Mashreq Mobile to view list of partner outlets for Salaam redemption.


Redemption of Points will be restricted in case of delay in payment and / or default on any Credit Card.
All accumulated Salaam Points balance will be forfeited if you have not earned or redeemed any Salaam Points in last twelve (12) months.

Still got questions?

No registration is required. Your total Salaam balance is made up of two types of Points:
a) Salaam Points earning on purchases made on cards eligible for Salaam earnings b) Salaam Points earning based on your overall banking relationship with Mashreq. 
However, we suggest you register on Mashreq Online in order to benefit from the full functionality of the Salaam website.

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Your Salaam Points will expire (3) years from the date of earning.

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You earn Salaam Points on all conventional and Islamic products which are eligible and listed below. To earn Relationship Points, you must have 2 or more products under the same Customer Identification Number (CIF) and also hold a valid Credit or Debit Card. Conventional Retail Products (Monthly Earning):
  • Accounts: Savings/Easy Saver
  • Deposits
  • Mashreq Millionaire Certificates
  • Revolving and Secured Overdraft
  • Fresh Home Loans
Islamic Retail Products (Monthly Earning):
  • Accounts: Savings/Easy Saver
  • Term Investment
  • Fresh Home Finance
Expatriate/Emirati Personal Loans, do not earn Salaam Points. Relationship Points accumulated each month are credited to your Points’ pool on the 2nd of the following month. Corporate Credit Cards are not eligible for Relationship Points.

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  1. Instant Redemption at partner merchant stores within UAE Spend your Salaam Points instantly while you shop, dine at a wide range of partner outlets within UAE. Simply present your Card at the counter, check the value of available Salaam Points for redemption, choose the number of Points to redeem and sign the receipt. Visit Mashreq Mobile to view the list of partner outlets.
  2. Online redemption through our retail and travel partner Redeem your Salaam Points at our rewards partner site offering options to buy flights, hotel stays and electronic goods. Visit for details.
  3. Movie tickets & snacks at Novo Cinemas.

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The Salaam Points which you see appearing on your Statement and also in Online & Mobile Banking are your cumulative total of Salaam Points earned through the Salaam Rewards Programme. These cumulative points can be used in whole or in part for redemption at any of the above channels.

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If you are using your Mashreq Novo Credit Card for purchase of movie tickets using your Salaam Points, you will be eligible for the 50% discount on movie tickets. For any other Card apart from Novo Credit Card, you will not be eligible for the 50% discounted movie tickets on using your Salaam Points to purchase the tickets. The discounted tickets purchased through Salaam Redemption will also be considered within the eligible discounted tickets per calendar month for the Novo Credit Card. Additional tickets purchased in the same month will be charged at the full price in your next Credit Card statement. Please note, effective from 2017, the Mashreq Novo Card no longer earns Salaam Points on purchases made using the Card.

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Yes, other Mashreq Credit or Debit Cards are accepted for redeeming Salaam Points at Novo Cinemas for purchase of movie tickets and/or food & beverages. You are required to have valid Salaam Points in your account for redemption.

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Yes, you can redeem your Salaam Points instantly via Mashreq Mobile App as cashback on your statement, for airmiles and gift cards.

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You can login to Mashreq Online and go to Rewards and Mobile. Then, go to Mashreq Salaam Rewards to view a statement of your Salaam points.

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Please note that Salaam Points earning on Mashreq Mastercard Credit Card(s) will be discontinued effective 10th August 2022. You can continue to enjoy loyalty points and other benefits by availing Mashreq Visa Credit Cards using either one of the options below: • Option 1: Send SMS CONVERT to 4250 and upgrade your card to a Mashreq Visa Credit Card, or • Option 2: Apply for a Mashreq Visa Credit Card via Mashreq Mobile in 3 steps: 1. Log into Mashreq Mobile 2. Click on the Cards tile 3. Apply for the card and get the digital card instantly FAQs for upgrade FAQs for new card application

Download Mashreq Mobile App

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