Who is it for?

  • Newly recruited first time employees/professionals

  • Kuwaitis earning a salary of KD350+

  • Working in the governmental, private, and oil sectors


  • Instant KD100 cash gift or interest–free loan up to KD10,000*

  • Monthly draw: A chance to win 12 times your salary

  • Yearly Draw: A chance to win 100 times your salary

  • Loans up to KD70,000 with a repayment period of 15 years*

  • Consumer loan up to KD25,000*

  • Credit Card with no fee for the first year*

  • Free Master Card World ( upon a KD 5000 expenditure)

  • Automatic membership in the best and fastest rewards program in Kuwait with Gulf Bank Credit Cards*

  • Presence in all major Kuwaiti car showrooms


  • Secure banking services through Online Banking and Mobile Banking app

  • A chance to become a Millionaire by opening an Al Danah account

  • Customer Contact Center available 24/7 at 1805805

  • WhatsApp service 65805805

  • Discounts at select merchants and restaurants in Kuwait

  • Free SMS alert with every transaction

  • A free safe deposit box (1st year only) upon salary transfer

*Subject to the Rules and Regulations of Central Bank of Kuwait and Gulf Bank Credit Approvals

The draws

Draws Draw Prizes Draw Dates
1st draw 12 x salary 13 February 2020
2nd draw 12 x salary 9 March 2020
3rd Draw 12 x salary 13 April 2020
4th draw 12 x salary 11 May 2020
5th draw 12 x salary 8 June 2020
6th Draw 12 x salary 13 July 2020
7th Draw 12 x salary 10 August 2020
8th Draw 12 x salary 14 September 2020
9th Draw 12 x salary 12 October 2020
10th Draw 12 x salary 9 November 2020
11th Draw 12 x salary 14 December 2020
Yearly Draw 100 x salary 11 February 2021

*The amount to be multiplied will be no more than KD 1,000


  • Offer is open to new recruits and salaried customers transferring from other banks

  • The offer is valid up to 31 December 2020

  • New Kuwaiti customers will receive KD100 cash gift during the 2nd week of the following month upon the first salary transfer, excluding:

    • Allowance only transfers
    • Kuwaitis with a basic salary less than KD500 (for salary above KD350 and below KD500, allowances are required to be transferred)
  • Draws apply exclusively to new Kuwaiti salaries excluding:

    • Retired Kuwaitis
    • Customers ages 60 and above
    • Allowances only transfers
  • Draw eligibility:

    • Minimum salary KD350
    • Salary should be transferred the month prior to the draw
    • Draws apply to new Kuwaiti salary customers transferring their 1st salary in 2018, 2019 or 2020
  • The Bank reserves the right to recover the salary transfer cash gift by deducting it from the account in case of:

    • Closing the account by the customer within 12 months from the date of opening it
    • Not receiving salary in the account for six consecutive months
    • If the customers decide to apply for the interest free loan after they have received the salary cash gift of KD100
  • The Bank shall not be obligated to issue a clearance certificate to the Customer in the above cases unless the Customer pays back the cash gift to the Bank

  • Employees of Gulf Bank and their relatives of the 1st and 2nd degree are excluded from the draw

This offer is licensed by the Ministry of Commerce under license: 2019/401, 2019/2842
*Credit Cards and loans are subject to the rules and regulation of Central Bank of Kuwait and Gulf Bank credit policy

Terms & conditions

Tools & Calculators

Currency Converter
Al Danah Chances
Loan Calculator
Term Deposit Calculator