WarbaBank

Royal Banking:

Customers with salaries of KD 2,500 and above can earn up to KD 500 in total rewards.

• KD 350 instantly upon transferring your salary.
• KD 100 for opening a Sunbula Savings account.
• KD 50 for activating a complimentary credit Card on the first year including the following:
  • World Elite Mastercard
  • World Mastercard
  • Visa Signature
  • Excluding VISA Platinum and Mastercard Platinum

Primary Banking:

• Customers with salaries from KD 500 to KD 1,499 receive up to KD 150 in total rewards.
• KD 100 instantly upon transferring your salary.
• KD 50 for activating a complimentary credit Card on the first year including the following:

• World Elite Mastercard
• World Mastercard
• Visa Signature
• Visa Platinum
• Mastercard Platinum

Priority Banking:

Customers with salaries from KD 1,500 to KD 2,499 receive up to KD 400 in total rewards.

• KD 250 instantly upon transferring your salary.
• KD 100 for opening a Sunbula Savings account.
• KD 50 for activating a complimentary credit Card on the first year including the following:
  • World Elite Mastercard
  • World Mastercard
  • Visa Signature

Salary Transfer Campaign 2026 Terms and Conditions.

• This campaign is valid until December 31, 2026
• The campaign is exclusively for Kuwaiti customers, including those working in the government sector, semi-government sector, listed companies, and retirees.
• For Kuwaiti customers working in the private sector, the basic salary must be transferred along with the labor support salary to benefit from the campaign's advantages. Note that the labor support salary is not considered an independent salary.
• Eligible customers for the campaign are new customers who have transferred their salaries to Warba Bank starting from January 22, 2026.
• Customers who have previously received salary transfer rewards in the bank's previous campaigns are not eligible, except for customers who transferred their salaries at least a year ago and have not had any salary registered for the past 12 months.
• Rewards are disbursed only after completing the salary transfer process in the integrated system for government sector employees, or after the first salary is deposited for private sector employees, and the customer acknowledges the immediate receipt of points.
• The customer's eligibility for the salary transfer reward is determined based on the transferred salary, not the customer's current segment. For example, customers who fall under the Royal Banking segment based on total balances but receive a salary within the Primary Banking segment will only be eligible for Primary Banking segment rewards.
• Rewards are disbursed in the form of points in the customer's digital wallet "Mokhba," and points can be converted into cash at a rate of 100 points per dinar.
• Mokhba points earned are valid for 12 months from the date of acquisition. Points not used within this period will automatically expire and be deducted from the customer's Mokhba points balance. Expired points are non-recoverable and cannot be reinstated under any circumstances. Customers are responsible for monitoring their points balance and expiration dates, which can be accessed through the "Mokhba" page in the bank's app. The bank will not be liable for any claims or disputes related to expired points.
• All customers who have postponed receiving salary transfer gifts in the bank's previous campaigns are excluded from this campaign. Therefore, eligible customers are only those who have transferred their salaries to the bank during the campaign period starting from January 1, 2026.
• The customer acknowledges their agreement to all terms and conditions upon participating in the campaign.



Rewards Terms and Conditions

• The credit card reward is only issued after the card is activated by the customer, not just upon issuance.
• Additional benefits are valid only for products opened or issued within 3 months from the date of salary transfer.
• Customers who apply for "clearance" forms or transfer their salaries to another bank during the campaign period (3 months) forfeit their right to all rewards.



Rewards Disbursement

• The salary transfer reward is disbursed immediately after verifying the completion of the salary transfer.
• Other rewards are disbursed on a weekly basis after matching internal reports.
• The credit card reward is added directly to the card, while other rewards are added to the "wallet."
• The bank reserves the right not to disburse rewards if the customer does not comply with the eligibility conditions.