Pearl Points Program

Personal Banking
Welcome to ahli islamic Pearl Points Program

Take Off with Pearl Points

ahli islamic Pearl Points allows you to earn points while enjoying the benefits of the different products and conducting day-to-day banking transactions. You can earn points every time you spend with your card or use our e-channels.

The program offers a wide array of redemption outlets to accommodate to your lifestyle requirements and needs.

How to earn points in Pearl Points

Below table is demonstrating how you can earn points by simply performing your day-to-day banking transactions!

Membership to program

How to Earn Points Earned
New to program 250 welcome bonus points for mass customers
2,000 welcome bonus points for Al Majd customers
4,000 welcome bonus points for Al Shumookh Premium customers
6,000 welcome bonus points for Al Shumookh Private customers

Credit Cards

Gold Credit Card

How to Earn Points Earned
Local Spends Each OMR 1 earns 1 points
International Spends Each OMR 1 earns 1.25 points

Al Majd Platinum Credit Card

How to Earn Points Earned
Local Spends Each OMR 1 earns 2 points
International Spends Each OMR 1 earns 2.25 point

Al Shumookh Signature and Infinite Credit Cards

How to Earn Points Earned
Local Spends Each OMR 1 earns 2.75points
International Spends Each OMR 1 earns 3 point

Debit Cards

Classic Debit Cards

How to Earn Points Earned
International Spends Each OMR 1 earns 0.75 points

Al Majd Platinum Debit Card

How to Earn Points Earned
International Spends Each OMR 1 earns 1.25 points

Al Shumookh Signature Debit Cards

How to Earn Points Earned
International Spends Each OMR 1 earns 2 points


How to Earn Points Earned
First time salary transfer 1,000 points

Term & Condition: One time only. Salary should be OMR 500 or greater.


How to Earn Points Earned
Saving account Each OMR 100 earns 4 points
Current account Each OMR 100 earns 4 points
Qitaf account Each OMR 100 earns 4 points
Al Namaa account Each OMR 100 earns 1.5 points

Term & Condition: Based on Average Monthly Balance.

Internet and Mobile Banking

How to Earn Points Earned
Registration into Internet or Mobile Banking 200 points
Local Transfer through Internet or Mobile Banking (Outside Ahli & Ahli Islamic) Each transfer earns 20 points
International Transfer through Internet or Mobile Banking Each transfer earns 100 points

Contact us

For any further information, please contact:

[email protected]
Reach us by post:
P.O Box 545, PC 116, Mina al Fahal

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Accessing and Redeeming Your Points

Access and redeem your points in easy steps:

  1. Log In:
    • Simply log into ahli islamic’s mobile application or internet banking.
  1. Check Balance:
    • View your Pearl Points balance.
  1. Redeem:
    • Choose from a range of redemption options.

Diverse Redemption Options

Your Pearl Points open the door to an exciting range of rewards:

  • Cash Back:
    • Redeem points for cash back into your account or credit card, or to make bill payments.
  • Fly & Save:
    • Use points for flight bookings with hundreds of airlines.
  • Hotel Stay:
    • Book your next hotel stay using points.
  • Shopping Spree:
    • Indulge in retail therapy with vouchers and gift cards from leading retailers.

Short on points? No problem! Pay partly with points and the rest with your card.

Start Your Rewarding Journey Today!

Don’t miss out on the chance to transform every transaction into a rewarding experience. Join ahli islamic’s Pearl Points Program now and step into a world of endless benefits and exclusive privileges.

Q1. How do I login to the ahli islamic loyalty portal?

A1. All you need to do is to register yourself on the ahli islamic mobile or internet banking. Log in with your username and password and you will be able to access the loyalty platform from the online banking channels.

Q2. Can I use my ahli islamic online banking credentials to transact on ahli islamic loyalty website?

A2. Yes. You can register yourself at ahli islamic online banking and then get single signed on to ahli islamic’s loyalty portal.

Q3. Do I need to register or log-in separately to access ahli islamic loyalty platform?

A3. No, there is no separate registration or log-in process. You just need to log in to ahli islamic’s mobile or internet banking and you will be able to access the loyalty platform.

Q4. When can I start redeeming my points on ahli islamic loyalty platform?

A4. You can start redeeming your points on ahli islamic loyalty platform as soon as they get credited to your account. There aren’t any minimum points balance to start redeeming.

Q5. Where can I find my ahli islamic loyalty points summary?

A5. You can view your ahli islamic loyalty points account summary in “My Account” section or on the “Profile tab” in the rewards portal.

Air Travel

Q1. Which airlines and hotels I can redeem my ahli islamic points?

A1. You can redeem your ahli islamic points at more than 700 airlines and more than 700,000 hotels worldwide.

Q2. Do I have to pay anything for booking the redemption tickets and hotel bookings?

A2. There are no redemption charges for ahli islamic points redemptions.

Q3. Can I redeem my ahli islamic points for a ticket and hotel booking for my family or friends?

A3. Yes, you can redeem your ahli islamic points for family members and friends.

Q4. How do I know if my airline or hotel booking or product purchased was confirmed?

A4. The portal generates an e-Receipt and e-Ticket and sends the same to your registered email ID. This will also be available in My Redemption tab. You may click on the same for viewing or you may choose to email the receipt to your email ID. You can also call ahliconnect on +968 24577177 in case you do not receive the e-Ticket within 24 hours of booking / redemption.

Q5. What if I do not get a confirmation at the time of booking?

A5. If a confirmation page does not display once you complete your booking, please check for a confirmation under the Redemption section. In case ahli islamic rewards have been deducted and you cannot see the purchased product, kindly call us on +968 24577177 and we will be happy to resolve.

Q6. Can I book tickets for infants on ahli islamic loyalty platform?

A6. Yes, you can book a ticket for one infant per adult on ahli islamic loyalty platform. As per the airlines rules, the age of the infant must be below 24 months  on the date of travel. Please make sure that you carry a valid proof-of-age document at the time of check-in. The infant is not awarded a seat on the flight and  have to travel with the accompanying adult.

Q7. What is the maximum number of seats I can book?

A7. A maximum of 9 seats can be booked at one time. If you need to book for more than 9 travellers, you will have to re-start the booking process for the additional travellers. Airlines rules apply.

Q8. I did a search for flight tickets and selected my flight. However, after providing the passenger details, I see that the fares have increased. Why?

A8. Due to the dynamic nature of airline fares, it may happen that when you confirm the booking after entering passenger details, the seats at your selected fare are sold out leading to increased fare. In case the fare has gone up, you may modify the search and select a cheaper flight.  

Q9. How do I confirm my seat assignments?

A9. The ahli islamic loyalty platform does not offer a pre-seating option. However, you can do web check-in for your flights through the airline portal and select your seats before you travel.

Q10. How do I get a boarding pass for an e-ticket?

A10. You can check-in in three ways:

  1. Some of the airlines provide a web check-in facility, where you can select your seat and print your boarding pass online. If you use this facility, you will have to approach the check-in counter to drop your baggage.
  2. You can also check-in using Tele check-in service provided by some of the airlines. In such cases, you will have to present your ticket and ID proof at the Airline check-in counter for issuance of boarding pass and for baggage drop.
  3. Alternatively, you can check-in physically at the airport counters of the airline by presenting your ticket and ID proof.

Q11. How do I check my baggage limit?

A11. Please note that airline restrictions on baggage apply to both checked-in bags as well as cabin baggage. Kindly contact the airline directly or visit their website for accurate details regarding baggage limit.

Q12. I have booked my tickets, but need to add my child's tickets to my booking. How do I do it?

A12. We do not allow children below 12 years to be booked individually. Please contact your airline to create the booking of your child directly with them.

Q13. How do I print my ticket?

A13. Just login to your account and visit the My Redemption tab. The redemption tab contains your past redemptions. Just click on the relevant link to view your ticket. 

Q14. Can I book a special request such as a meal, wheelchairs through ahli islamic loyalty platform?

A14. No. The loyalty platform does not support this feature. Please contact the airline directly for such requests.

Q15. How do I change a flight reservation?

A15. Please call the number +968 24577177 printed on your redemption receipt (eTicket) to make required amendments such as date and time change,  upgrade or any other changes. Please note that, the airline may charge a fee to amend the tickets. In case of cancellation, we cannot refund the ahli islamic points which have been already redeemed.

Hotel Reservation

Q1. Can more than two adults stay in one room?

A1. Most hotels allow additional guests to stay in a room for an extra charge as long as the room does not exceed the maximum number of guests allowed per room. You can directly check with your hotel and they will help you with the request, which is subject to the terms and conditions of the hotel.

Q2. Our children will be traveling with us - do they stay for free?

A2. When making your booking, select the number of children traveling with you from the ‘Children’ drop-down box. If you select just 1 child, our search will give you the price of a double room with 1 child, not including an extra bed. If you want an extra bed in the room, you need to increase the number of guests in your search or contact the hotel when you are travelling. It is subject to the terms & conditions of the hotel.

Q3. What if I need a specific type of hotel room (non-smoking, wheelchair friendly, etc.)?

A3. Please book your room and contact the hotel at the number mentioned on your e-reservation receipt. Please note that your requests are subject to the terms and conditions of the hotel.

Q4. How long will it take for the hotel to get my booking information?

A4. The time it takes for a hotel to get your booking information varies by specific hotel and arrival date. In most cases the hotel should receive the reservation information within 12 hours of the time you made your booking (except for nights and weekends when the hotel’s reservation department is closed). Please note that this does not apply to bookings made for the same day.

Q5. What is my hotel's check-in time?

A5. Typically, the hotel check-in time is after 2:00 pm (local time). Please check with your specific hotel for its exact check-in time.

Q6. Will the hotel hold my room if I'm arriving late?

A6. Please check the details with your specific hotel for confirmation. It subject to the hotel terms & conditions.

Q7. What if I arrive early?

A7. Please check the details with your specific hotel for confirmation. It subject to the hotel terms & conditions.

Q8. How do I get a receipt or invoice for my hotel booking?

A8. Please log in to your ahli islamic loyalty portal and visit the My Redemption page. You should be able to see the link depicting your hotel booking. Just click on this link and you can view your receipt.

Q9. How do I cancel my hotel booking?

A9. Your booking cannot be cancelled, and the points redeemed and booking amount are non-refundable.

Q10. By when do I need to amend my hotel booking?

A10. Please refer to the hotel’s booking policy mentioned on the booking page and in the printed e-reservation slip, while making the reservation. Please keep in mind that irrespective of what the hotel’s booking policy says, you cannot cancel your booking.

Q11. How will I get my ahli islamic points back after cancelling a hotel / air booking?

A11. ahli islamic points for cancelled bookings are non-refundable. We recommend you check your booking selection prior to any redemption.

Online Shop & Gift Vouchers

Q1. Apart from Flight and Hotel, what can I redeem my ahli islamic points for?

A1. ahli islamic rewards can also be redeemed for various vouchers for purchasing products through an online shop. These vouchers are available across Dining, Electronics, Health & Fitness, Lifestyle, Apparel, Jewellery, etc. 

Q2. How do I know the voucher conditions, validity and whom do I have to reach if I have a query?

A2. All conditions pertaining to the voucher are clearly mentioned on the voucher. The voucher also carries the number of the merchant where any query with regards to the voucher could be addressed. 

Q3. When do I get the joining bonus in ahli islamic loyalty program?

A3. As a new ahli islamic customer, you become eligible for a Joining Bonus minimum of 2,000 points on your first time registration to ahli islamic loyalty platform. It will be credited to your loyalty account.

General FAQ's ahli islamic on ahli islamic Cards

Q1. What are the various types of debit cards from ahli islamic?

A1. Please visit website link for more details

Q2. What are the various types of credit cards from ahli islamic?

A2.Please visit the link for more details

Q3. How can I request for an ahli islamic debit or credit card?

A3. You can request for a ahli islamic debit or credit card using the following channels:

Q4. What is the process for activating my ahli islamic debit or credit card?

A4. Please use ahli islamic’s mobile banking or call ahliconnect on +968 24577177

Q5. Where can I find the fees and charges? ahli islamic?

A5. Please visit for more details.

Q6. Who do I contact if I have a question regarding ahli islamic debit and credit card?

A6. Please call ahliconnect on +968 24577177 or visit us at your nearest ahli islamic Branch.

Q7. How can I know all the benefits of my ahli islamic debit or credit card?

A7. For ahli islamic credit card please visit the link for more details islamic

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