💸 Switch banks in the UAE and earn up to AED 6,000 - November 2025 update [full analysis]

In our November 2025 salary transfer offers article, we focused on the top picks for each salary range. Below, you will find the detail behind the analysis, allowing you to review what other banks have on offer.

Offers that pay monthly bonuses

FAB’s 1% each month for 12 months

For all salary levels, this is the winner paying the highest total cashback amount. It does so by paying 1% of your monthly salary for 12 consecutive moths, capped at AED 500 per month. So the maximum cashback per year is AED 6,000.

Here are some examples of how the FAB offer works at different salary levels:

Monthly salary	Monthly cashback 1%	Total annual cashback
10,000	100	1,200
30,000	300	3,600
50,000	500	6,000
60,000	500 (due to cap)	6,000

⚠️ Note: One of FAB’s cashback conditions is that you keep your salary in the salary account for 10 days before transferring it out. We’ve clarified with FAB, who say this does not apply to transfers within FAB (e.g. FAB iSave account) or foreign remittances, though that’s currently not explicitly stated in the T&Cs.

All salary transfer only offers

Bank (valid until)	Salary Range (AED)	Cashback (AED)
ADCB (30/11)*	8,000 - 9,999	250
	10,000 - 19,999	1,000
	20,000 - 49,999	2,000
	50,000 and above	5,500
DIB (31/12)	5,000 - 7,999	250
	8,000 - 14,999	500
	15,000 - 34,999	1,000
	35,000 - 49,999	2,500
	50,000 and above	3,000
Emirates Islamic (30/11)	7,500 - 9,999	200
	10,000 - 14,999	400
	15,000 - 34,999	600
	35,000 - 49,999	1,500
	50,000 and above	3,000
FAB (31/12)	10000	1,200
	30000	3,600
	50000	6,000
HSBC (31/12)	10,000 - 39,999	750
	40,000 and above	2,000
Mashreq (unknown)	5,000 - 9,999	250
	10,000 - 19,999	750
	20,000 - 49,999	1,500
	50,000 and above	3,500
RAK Bank (31/12)	10,000 - 19,999	1,000
	20,000 - 49,999	2,000
	50,000 and above	4,000

⚠️ * ADCB bonus paid in form of TouchPoints, which you can redeem at a wide range of retailers, or even use as cash to pay off your credit card. ADCB also require a min. spend of AED 2,500 on one of their credit cards (but it can be an existing one you already have).

All salary transfer + new credit card offers

To avail of the following offers, you need open a salary transfer account and obtain one of the credit cards (with a minimum spend requirement on it).

Bank (valid until)	Salary Range (AED)	Cashback (AED)	Minimum spend on credit card (AED)
DIB (31/12)	5,000 - 7,999	550	Spend AED 3,000 within 60 days on Consumer Rewards card.
	8,000 - 14,999	900	Spend AED 4,000 within 60 days on Consumer/SHAMS/Emirates Skywards Platinum cards.
	15,000 - 34,999	1,800	Spend AED 8,000 within 60 days on SHAMS/Emirates Skywards Signature cards.
	35,000 - 49,999	3,500	Spend AED 10,000 within 60 days on SHAMS/Emirates Skywards Infinite cards.
	50,000 and above	4,000	Spend AED 10,000 within 60 days on SHAMS/Emirates Skywards Infinite cards.
Emirates Islamic	7,500 - 9,999	400	Spend minimum of AED 5,000 within 60 days
	10,000 - 14,999	650	Spend minimum of AED 5,000 within 60 days
	15,000 - 34,999	1,100	Spend minimum of AED 10,000 within 60 days
	35,000 - 49,999	2,250	Spend minimum of AED 15,000 within 60 days
	50,000 and above	4,000	Spend minimum of AED 15,000 within 60 days
ENBD	15,000 - 29,999	500	Spend minimum of AED 10,000 within 30 days (can also be spent on a debit card)
	30,000 - 49,999	750	Spend minimum of AED 10,000 within 30 days (can also be spent on a debit card)
	50,000 and above	1,000	Spend minimum of AED 10,000 within 30 days (can also be spent on a debit card)

If you spot something that's not quite right, send us a message below. We'll appreciate it!

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Disclaimer: Please bear in mind that this email does not constitute financial advice. Any choices you make you are solely responsible for. We always aim to provide highest quality, independent views but do your own research to ensure you’re comfortable with any changes you make to your personal finances.