Mashreq Happiness Account

Last Updated on 11 September 2020

Credit Bureau Consent, Welcome Offer & General Terms & Conditions

I hereby acknowledge and agree to allow Citibank to share my details with any UAE credit bureau and make enquiries about me with any UAE credit bureau at its sole and absolute discretion. I agree to the Terms and Conditions listed below. Citibank Terms and Conditions apply, are subject to change without prior notice and are available upon request. For the current Terms and Conditions, please visit our website All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. Citibank, N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners/other entities. By inquiring about our services, offers or products, you will be authorizing our representatives to approach you on your contact details including your telephone/mobile number for any product or service offered by Citibank. The applicant agrees to be bound by Citibank’s General Terms and Conditions available on the website The applicant hereby represents and warrants that the information provided herein is true, accurate, and complete and that he/she agrees to remain responsible for and to indemnify Citibank, N.A. from and against any losses, claims and/or liabilities incurred by Citibank NA as a result of having relied on such information. Citibank, N.A. is not required to verify the information provided by the applicant and neither is the bank obliged to provide the applicant with any loans or credit facilities based on the provided information. The products and services mentioned on this website are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man or the UK. This page is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals.

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Mashreq Bank

Happiness Account

Min Balance to Maintain


Monthly Fee


Annual Fee


Minimum Salary


min balance


Min Balance to Maintain

monthly fee


Monthly Fee

annual fee


Annual Fee

min salary


Minimum Salary

View details on bank page


  • Can earn free salam points
  • Joining bonus can be availed
  • Salary transfer is required to avail benefits
  • Both UAE nationals and expats are eligible
  • A minimum salary of AED 10,000 is required

Main Benefits

  • Can earn a joining bonus up to AED 2000
  • Zero balance account
  • No monthly fees are charged
  • Free unlimited international remittances monthly
  • Can earn AED 25 worth Salaam points if more than 5 utility bills(or minimum 3 utility bills+2 international remittances) are paid using Mashreq online or Snapp

Frequently Asked Questions

⭐ How much joining bonus is provided if the minimum salary is AED 10,000?

A. For a minimum salary of AED 10,000, a joining bonus of AED 500 will be provided.

⭐ What is the minimum salary required to avail a joining bonus of AED 1000?

A. A minimum salary of AED 25,000 or more than that is required to avail a joining bonus of AED 1000.

⭐ What is the minimum salary required to avail a joining bonus of AED 2000?

A. A minimum salary of AED 50,000 or more than that is required to avail a joining bonus of AED 2000.

⭐ When will I get the joining bonus?

A. Joining bonus will be credited to your account in 60 days of the account opening.

⭐ Is it mandatory to only pay utility bills to avail Salaam points?

A. You need to pay at least 3 utility bills and 2 international remittances or total 5 utility bills in a month to avail Salaam points.

⭐ Are existing Mashreq customers eligible for the Happiness account?

A. Yes. Existing Mashreq customers with a minimum salary of AED 10,000 are eligible.

⭐ What if I stop transferring my salary once the joining bonus is credited?

A. If the salary transfer stops within 1 year of account opening after the joining bonus is credited, the joining bonus amount will be debited from your account.

⭐ Under what conditions the joining bonus be debited from the account?

A. If the salary transfer stops within the 12 months of the first salary credited, if the existing salary transfer account is closed, or if the minimum salary criterion is not met, the joining bonus will be debited from your account.


Mashreq Bank is a private sector bank established in 1967. It was started by Al-Ghurair Group and it also known as largest private sector bank. Mashreq Bank provides both retail and commercial services to their customers.

Mashreq provides a wide range of products and services that suits the needs of every customer. It works with an aim to provide their customers best banking experience and establish a good customer bank relationship. Mashreq Bank has marked its presence globally by starting their operations at regions like Bahrain, Egypt, Kuwait, Qatar. It also has branches in New York, Mumbai(India), London and Honk Kong.

   Get in touch with Mashreq Customer Care

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