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Fatima from DIB
Just now

Looks like you may be taking time to decide. May I help you with something?

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 DIB products and services such as:

  • Credit Card Spends
  • Debit Card Spends
  • DIB 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:
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Rewards redemption


The process of redeeming Wala'a Rewards remains unchanged.

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 DIB 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.