Current salary transfer offer
No live salary transfer offer tracked for Al Hilal Bank.
Reward currencies
Al Hilal pays card rewards as direct cashback under a Sharia-compliant structure — no points programme, no miles conversion. The mechanic is choose-your-own-categories: you pick two of five spend categories for the headline rate, which is itself tiered by your total monthly spend, while the rest of retail earns a flat 1% and government payments and in-app utility bills earn nothing. Tight per-category and per-cycle caps do the real work of limiting the payout, so read them before the headline rate.
Cards from Al Hilal Bank
No cards from Al Hilal Bank indexed yet.
Related reading
Customer service
Al Hilal Bank is the ADCB Group’s Sharia-compliant digital bank — founded in Abu Dhabi in 2008, absorbed into the group in the 2019 three-way consolidation with ADCB and Union National Bank, and since relaunched as a digital-first Islamic proposition. The group plumbing shows in useful ways: Al Hilal shares ADCB’s offers platform and ATM network, so a notionally branchless Islamic bank inherits one of the country’s larger cash-access footprints. Branch presence is essentially gone — the bank’s own site records the Ras Al Khaimah branch closing on 3 May — and the relationship runs through the app. For the expat reader who wants Sharia-compliant banking without DIB’s or ADIB’s branch-era product sprawl, Al Hilal is the cleanest digital entry point in the market.
The Cashback Credit Card, and why there is no spec table yet
Al Hilal’s flagship consumer card is the Cashback Credit Card, a Mastercard upgraded in its current form effective 1 September 2024. The design is genuinely distinctive. You choose two of five categories — grocery, fuel, international, dining, education — and those two earn the headline rate. That headline rate is then tiered by your total calendar-month spend: 1% up to AED 3,000, 3% from AED 3,000.01 to 8,000, and 5% above AED 8,000, applied in your two chosen categories. Everything else in retail earns a flat 1%; government merchant codes and utility payments made in-app earn 0%; EEA transactions always earn 1% whatever category they fall in.
The caps are where the arithmetic gets honest: AED 250 per 5% category and AED 500 total per statement cycle. A two-category 5% card that tops out at AED 500 a cycle is a solid mid-market cashback product, not a premium one. There is no minimum spend to earn, you can change your two categories once a month (free twice a year), and the full MCC tables are published in the card terms.
What we cannot yet show you is a fee table. The card’s annual fee, FX margin and any salary minimum are per the bank’s Schedule of Fees — a document that refused every fetch our tooling attempted. Until an editor reads it, the card gets no entry in our tracker and this page prints no fee figures. That is policy, not oversight: we publish numbers we have sourced, and the SoF link above is where they live.
Salary transfer: the campaign that ended, and still ranks
If you searched your way here for an Al Hilal salary-transfer bonus, read this part carefully. The bank ran a genuinely large campaign — a welcome package advertised at up to AED 15,000, built from a salary-transfer component (10% of salary capped at AED 5,000, plus AED 5,000 more for transfers of AED 60,000+), card-spend tiers paying AED 500 to AED 3,000, and personal- and home-finance kickers. Its own terms state: “The campaign will be valid from 4th May 2026 till 04th August 2026.” It has ended. We checked the campaign page on 22 August 2026, eighteen days after closing, and it still ranked first for the obvious search queries — which is precisely how readers end up applying for expired offers. Al Hilal is classified in our salary-transfer tracker as checked, campaign expired 4 August 2026, with a watch on any successor. If a new campaign launches, the tracker is where it will appear with verified bands.
Eligibility for the bank’s products is assessed in-app under the usual UAE rules: AECB reporting, the Central Bank’s Debt Burden Ratio cap, and Sharia-compliant contract structures in place of interest-bearing ones.
Customer-service notes
Al Hilal is app-first, with alhilalbank.ae as the public reference for products and fee documents. The ADCB Group membership is the practical service story: shared ATM network and a shared offers platform mean the digital-only footprint costs you less in cash access than it would at a standalone neobank. Branch service has been wound down to effectively nil, so weigh the app-only trade-off the same way you would with Liv or Wio — faster routine servicing, chat queues for anything unusual.
Bottom line
Al Hilal suits the reader who wants Sharia-compliant banking in a modern app, backed by ADCB’s group infrastructure, and whose spend concentrates in two of the five bonus categories heavily enough to reach the 3% or 5% tiers — while accepting that AED 500 a cycle is the ceiling. It is the wrong choice if you need published fee certainty today (the Schedule of Fees is the document to read, and we haven’t verified it yet), if you want a live salary-transfer cash bonus — the AED 15,000 campaign ended on 4 August 2026 whatever the search results imply — or if branch-counter Islamic banking is the point, where DIB and ADIB still own the ground.