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Wala'a Dirhams is now Wala'a Rewards.
A change for the better.

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Non-stop life, non-stop rewards.

Wala'a Dirhams has been enhanced to create the new Wala'a Rewards programme which works in a manner similar to the earlier Wala'a Dirhams. Now you can enjoy more opportunities to earn Wala'a Rewards on additional PGCB products and services such as:

  • Credit Card Spends
  • Debit Card Spends
  • PGCB Savings Account
  • Deposits
  • Wakala
  • Auto Finance
  • Home Finance
  • Bill Payments
  • International Fund Transfer

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Value remains unchanged


  • The value of Wala, Dirhams vs. Wala’a Rewards.
  • 1 Wala'a Dirham = AED1 & 1 Wala'a Reward = AED 0.005.
  • With effect from 1st Dec 2019, retail spends originating in “European Union (EU) countries”, will not earn wala’a rewards. Applicable to credit and debit card spends.
  • With effect from 1st Dec 2019, retail credit card spends made under the categories Supermarkets, Telecom, Education, Petroleum, Government Services (including utility bill payments) will earn 0.5 wala’a rewards for every 1 AED spent.
  • With effect from 1st Dec 2019, retail debit card spends made under the category Government Services (including utility bill payments) will not earn wala’a rewards. 
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Wala’a Dirhams balance conversion


  • Your existing Wala'a Dirhams will be converted to Wala'a Rewards.
  • Each Wala’a Dirham is equivalent to 200 Wala’a Rewards.
  • If your Wala’a Dirham balance is 50, it will now be convert as follows:
     Wala’a DirhamsWala’a Rewards
    Unit5050 x 200 = 10,000
    Value (AED)5050
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Rewards redemption


The process of redeeming Wala'a Rewards remains unchanged.

Redemption Partner: (DEWA)Wala’a Dirhams required previouslyWala’a Rewards required now
AED 10010020,000

Any Questions?

How to register for Wala’a Rewards and how many Wala’a rewards do I earn on each product?
  • Step 1: Login to PGCB Online Banking using your User Name and Password.
  • Step 2: Select Relationship summary menu.
  • Step 3: Select Wala'a Rewards Programme.
  • Step 4: Enroll for Wala'a Rewards Programme.

 

Products Criteria Wala'a Rewards
Salary  Transfer 1st salary  Transfer (AED) 5,000 to 9,999 1,000
10,000 to 14,999 3,000
15000+ 10,000
Regular Salary Transfer (AED) 15,000+ 200
Lockers Monthly 1 1,000
2+ 2,000
Current Savings Account Monthly Average Balance (AED) 50,000 to 99,999 400
100,000 to 149,999 800
150,000 to 199,999 1,200
200,000 to 249,999 1,600
250,000 to 299,999 2,000
300,000 to 349,999 2,400
350,000 to 399,999 2,800
400,000 to 449,999 3,200
450,000 to 499,999 3,600
500,000 to 549,999 4,000
550,000 to 599,999 4,400
600,000 to 649,999 4,800
650,000 to 699,999 5,200
700,000 to 749,999 5,600
750,000 to 799,999 6,000
800,000 to 849,999 6,400
850,000 to 899,999 6,800
900,000 to 949,999 7,200
950,000 to 999,999 7,600
1,000,000+ 8,000
Wakala/Investment Deposits Monthly Average Balance (AED) 50,000 to 99,999 400
100,000 to 149,999 800
150,000 to 199,999 1,200
200,000 to 249,999 1,600
250,000 to 299,999 2,000
300,000 to 349,999 2,400
350,000 to 399,999 2,800
400,000 to 449,999 3,200
450,000 to 499,999 3,600
500,000 to 549,999 4,000
550,000 to 599,999 4,400
600,000 to 649,999 4,800
650,000 to 699,999 5,200
700,000 to 749,999 5,600
750,000 to 799,999 6,000
800,000 to 849,999 6,400
850,000 to 899,999 6,800
900,000 to 949,999 7,200
950,000 to 999,999 7,600
1,000,000+ 8,000
International Remittance International Fund Transfer Using PGCB Online Banking & Mobile Banking (AED) 2,500 to 4,999 500
5,000 to 7,499 1,000
7,500 to 9,999 1,500
10,000 to 12,499 2,000
12,500 to 14,999 2,500
15,000 to 17,499 3,000
17,500 to 19,999 3,500
20,000 to 22,499 4,000
22,500 to 24,999 4,500
25,000 to 27,499 5,000
27,500 to 29,999 5,500
30,000 to 32,499 6,000
32,500 to 34,999 6,500
35,000 to 37,499 7,000
37,500 to 39,999 7,500
40,000 to 42,499 8,000
42,500 to 44,999 8,500
45,000 to 47,499 9,000
47,500 to 49,999 9,500
50,000 + 10,000
Home Finance Monthly Principal Outstanding (AED) 1,000,000 to 1,249,999 1,664
1,250,000 to 1,499,999 2,080
1,500,000 to 1,749,999 2,496
1,750,000 to 1,999,999 2,912
2,000,000 to 2,249,999 3,328
2,250,000 to 2,499,999 3,744
2,500,000 to 2,749,999 4,160
2,750,000 to 2,999,999 4,576
3,000,000 + 5,000
Auto Finance Monthly Principal Outstanding (AED) 100,000 to 149,999 160
150,000 to 199,999 240
200,000 to 249,999 320
250,000+ 400
Monthly Credit Card Payments Credit Card Customers with non-PGCB repayment account 1 payment 100
2 or more payments 200
Bill Payments Number of bill payments done through online channels using PGCB Credit Card 1 bill payment 10
2 or more bill payments 20
Takaful Monthly Insurance Premium Payment (AED) 5,000 to 9,999 1,000
10,000 to 14,999 2,000
15,000 + 3,000
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