The salary-transfer tracker.

No lock-in period and no clawback of cashback already paid — unusual for a UAE salary-transfer offer, and the main thing that distinguishes this one. Cashback is credited monthly to the FAB account within 45 calendar days of the end of the month in which the salary landed. A month in which no qualifying salary arrives simply pays nothing; cashback resumes when salary next arrives, but missed months are never credited retrospectively, so the AED 9,000 maximum assumes twelve consecutive qualifying months. Closing the account before fulfilment forfeits cashback not yet paid. Amounts are rounded down to whole dirhams.

• The headline '20% cashback' is a 12-month total, not a rate. The T&Cs state the actual mechanic: 1.67% cashback on each monthly salary credit, capped at AED 750 per month and AED 9,000 across 12 months.
• Open to new FAB customers, or existing customers with no FAB salary transfer in the preceding 12 months. Minimum monthly salary AED 5,000.
• The salary must be credited to a FAB One, FAB Personal Current or Elite Current account. Savings accounts are explicitly excluded, as are non-AED currency accounts.
• SAVE OR SPEND — either qualifies, and meeting both pays no more. Save: an incremental month-end balance of at least 20% of that month's salary across FAB conventional CASA accounts. Spend: at least 20% of monthly salary on a NEW FAB conventional credit card opened during the campaign.
• No credit card is required if you qualify via the Save route — the marketing copy implies otherwise.
• Cash advances, balance transfers, and annual or joining card fees do not count as qualifying spend.
• The 20% threshold is recalculated monthly against actual salary credited, so a pay change moves the target automatically. Multiple salary credits in one month are aggregated but do not raise the monthly cap.
• Not open to Private Banking customers, SME customers, FAB staff, or customers with delinquent or overdue FAB accounts.

The joining bonus is credited in 12 equal monthly instalments across the first year (Mashreq's page also carries an older FAQ describing a 6-instalment schedule for the pre-August structure). Any month the salary is missed or falls below AED 5,000 forfeits that month's instalment. If no salary is transferred for 2 consecutive months within the 12-month period from the first transfer, ALL previously paid bonus is clawed back by debiting the account.

• Open a Mashreq or Mashreq NEO Current/Savings account and transfer a net salary of at least AED 5,000/month.
• Terms shown apply to accounts whose FIRST salary lands on or after 1 August 2026 (Mashreq's current published table). Earlier joiners are on the previous joining-bonus structure.
• The early-bird component requires the first salary within 90 days of account opening — a late HR switch forfeits that half of the headline.
• Salary must be credited by a UAE-registered employer through recognised salary-transfer channels — remittance, direct transfer, cash or cheque credits do not qualify. A mislabelled transfer narration can void the bonus.
• Bonus is banded on the FIRST salary credited; later pay rises do not re-band it.

The joining bonus is a one-time cash credit, disbursed within 60 days of completing the product bundle (90-day bundle-completion window). DIB may refuse or reverse it for fraud or breach of the campaign terms. Unlike some peers there is no published multi-month salary-stop clawback on the salary-transfer bonus itself — but the bundle's card/finance commitments carry their own terms.

• Open a new salary transfer on an Al Islami 2-in-1 or Al Islami Savings Account (Sharia, Mudaraba-based) and transfer a salary of AED 5,000+.
• New DIB salary customers only — no DIB salary transfer in the previous 6 months; at least 2 salaries must be credited.
• BUNDLE REQUIRED: the salary-transfer bonus is only paid alongside an eligible DIB covered card and/or an eligible finance facility (personal finance ≥ AED 75,000 or auto finance ≥ AED 50,000). It is not a standalone salary-transfer bonus.
• Salary must be credited via the UAE Wage Protection System / Fund Transfer System (cash, cheque or personal-account transfers don't qualify).
• An extra 15% on the bonus for products taken through DIB's 'alt' mobile / online digital channels.

ENBD pays the cashback after 150 calendar days, counted from the first salary credit, provided every condition is met. The Bank may reverse it if you do not receive 12 consecutive salary payments from the first salary credit, taking it from any of your ENBD accounts or cards. If you take the card or a loan on the strength of the salary relationship and close it within 180 calendar days of opening the account, you lose eligibility and ENBD can reverse the cashback without notice. The Bank can also cancel the bonus for fraud, or for a default on the card or any ENBD loan, and requires every product to be active and in good standing on the payout date.

• New-to-bank or new-to-liabilities customers only. The account must be your first-ever ENBD current or savings account, opened between 25 September and 24 December 2026 (both dates inclusive). Existing products and accounts don't count.
• First salary of at least AED 15,000 (fixed monthly allowances included) credited to the new account within 90 calendar days of opening, via WPS or the UAE Fund Transfer System. Cash, cheque and personal-account transfers don't count; pension credits do. ENBD's offer page adds that only salaries from its approved list of employers qualify.
• CARD REQUIRED: a new ENBD credit card linked to the new account, issued within 90 calendar days of opening, with AED 5,000 of retail or online spend within 60 days of issue. Cash withdrawals, cash advances, fees, refunds and reversals don't count.
• Optional uplift, not in the table above: taking a personal, auto or home loan, or any wealth product, adds AED 500 (AED 15,000–49,999 band, AED 2,000 in total) or AED 4,000 (AED 50,000+ band, AED 6,000 in total). ENBD's offer page says the loan or wealth product must be taken within 90 days of opening; the T&Cs set no time limit.
• One salary-transfer welcome bonus per customer. Once it is paid, you are not eligible for other offers under this promotion or for ENBD promotions running at the same time, and the T&Cs say the promotion is not valid with any other ENBD promotion, campaign or offer. Emirates NBD group staff, contractors and their immediate families are excluded.

Cashback is credited automatically within 90 calendar days of meeting all conditions — in practice up to roughly five months from account opening. Close the account within 180 calendar days of your first deposit or salary credit and you lose the cashback if unpaid, or HSBC claws it back if paid; an interrupted salary transfer inside the same 180 days triggers the same clawback. One clause worth knowing exists in writing: participants may not make public comment on the offer — social media included — without HSBC's prior written consent, on pain of forfeiture or clawback at HSBC's discretion.

• New-to-bank customers only: anyone with an HSBC UAE relationship — including an inactive one — as of the offer start date is ineligible, as are joint holders opening a sole account, and HSBC staff.
• Open the account during the offer period (2 January – 31 December 2026, both dates inclusive) and activate the HSBC UAE mobile app within 30 days of opening.
• Transfer at least 2 eligible salaries within the first 3 months of account opening. Advance tier: AED 10,000 to 39,999/month pays AED 750. Premier tier: AED 40,000+/month (AED 30,000+ for Emirati nationals) pays AED 2,000.
• Employees of companies on HSBC's Employee Workspace Solutions list get AED 1,000 instead of AED 750 on the Advance tier.
• The T&C's eligibility FAQ contains one ambiguous line — 'Eligibility is based on salary credits and new HSBC customers transferring salary from other banks to HSBC will not be eligible' — which we read as requiring genuine employer salary credits rather than self-made transfers. Confirm with HSBC before relying on an edge case.