Important Notification on Your DOHA MILES and Lulu Points Loyalty Program

Doha Bank is always striving to provide you with the best products and services. With DOHA MILES and Lulu Points Loyalty Program, you can benefit from a number of services such as redeeming your DOHA MILES for flights and hotels bookings across the globe, exchanging your DOHA MILES to popular frequent flyer programs such as Qmiles or redeeming your loyalty points on Point of Sale (POS) machines at our partner merchants or Lulu stores in Qatar. We thank-you for your continued patronage as we continue our efforts to introduce new and improved products and services.

Kindly note we have made some changes to the DOHA MILES and Lulu Points loyalty program. The changes will be effective from August 6, 2018, and will be automatically applicable to your respective credit cards.

Please go through these carefully and please feel free to contact us regarding any queries on our 24/7 customer services helpline at 4445-6000.

1. Changes in Lulu Co-brand Loyalty Program (Lulu Points)

We are revising the savings % on secured credit cards i.e. Lulu credit card issued to you against lien or deposit; whereby you will now be earning a 2% savings (in the form of Lulu points) on your spend at Lulu stores in Qatar.

Lulu co brand credit card issued to you based upon your salary transfer relationship with Doha Bank will remain unchanged which means you will continue to enjoy the current 5% savings (in the form of Lulu points) on your eligible spends at Lulu outlets.

Please refer to the following table for the new earnings of Lulu Points:

Lulu Co-brand Card Type Savings on Spends at Lulu stores in Qatar Savings on Non-Lulu Spends
Lulu credit card issued based on Salary Transfer relationship 5% (no change) 1% (no change)
Lulu credit card issued against lien / deposit relationship 2% 1% (no change)

If you are a Lulu credit card-member with a credit card issued against lien / deposit you can continue enjoying 5% savings in the form of Lulu points by transferring your salary to Doha Bank. The 5% savings in the form of Lulu points will be effective on your spends at Lulu stores from the 6th of the second month since your first salary month. For example: your salary is first transferred to Doha Bank in August 2018, then you will be enjoying the 5% savings in the form of points at Lulu stores while using your Lulu card at Lulu stores starting 5th of October 2018.

There is no change in maximum number of LULU points you can earn at LULU stores. You will continue to earn maximum of 10,000 LULU points at LULU stores in a statement month.

2. Changes in DOHA MILES / Lulu Points Earning on Select Merchant Categories

We will be introducing a different DOHA MILES / Lulu Points earn rate on the following merchant categories:

Local and international retail spends including e-commerce transactions made under the category of “Supermarket & Grocery Stores”, “Insurance Services” and “Real Estate and Rental Payments” as defined by Visa and MasterCard will be eligible for 20% earning of your base DOHA MILES / Lulu Points earning under the DOHA MILES / Lulu Points loyalty program.

Please note that the spend segment is generic and is subject to change at the sole discretion of Visa / MasterCard. Kindly note Doha Bank will not be responsible if a transaction does not get captured under the appropriate MCC (Merchant Category Code) or if any merchant has a different MCC to the one categorized by Visa / MasterCard.

Illustration:

For the purpose of clarity you may please refer to the below illustration:

Credit Card Product Eligible Spends (QR) to Earn 1 DOHA MILE on Supermarket & Grocery Stores, Insurance Services, Real Estate and Rental Payments Eligible Spends (QR) to Earn 1 Base Mile on Other Merchant Categories
  Local Intl. Local Intl.
Visa Infinite 20 15 4 3
Visa Platinum 25 20 5 4
Dream Visa / MasterCard 35 30 7 6
Credit Card Product % Savings in the form of Lulu Points on Eligible Spends on Supermarket & Grocery Stores, Insurance Services, Real Estate and Rental Payments % Savings in the form of Lulu Points on Eligible Spends on Other Merchant Categories
  Local Intl. Local Intl.
Lulu Co-Brand Card outside Lulu Stores 0.20% 0.20% 1.00% 1.00%

No Change in Lulu Points Earning by Lulu Card Customers at Lulu Stores

If you are using your Lulu Co-brand credit card at Lulu Stores in Qatar, you will continue to earn Lulu Points in accordance with the Lulu points policy i.e. 2% savings (in the form of Lulu points) on credit cards issued against deposit / lien and 5% savings (in the form of Lulu points) on credit cards issued under salary transfer relationship.

3. Maximum Eligible Spends on Your DOHA MILES Earning

In a given statement cycle, you can now earn DOHA MILES on your eligible spends up to QR 30,000 on your Dream Visa and/or MasterCard credit card and up to QR 50,000 on your Visa Platinum Credit Card. DOHA MILES will be awarded to you on your eligible transactions in chronological order up to the above stated cap.

Product Type Maximum Eligible Spends During Statement Cycle (QR)
Dream Visa and/or Dream MasterCard credit card DOHA MILES on eligible spends up to QR 30,000
Visa Platinum credit card DOHA MILES on eligible spends up to QR 50,000
Visa Infinite credit card No limit on maximum eligible spends
Lulu Co-Brand Credit Card Maximum Lulu Points
Spend at Lulu Stores 10,000 Lulu points per month (No Change)
Spend outside Lulu Stores No limit on eligible spends

Illustration:

For the purpose of clarity you may please refer to the below illustration:

Example: You are a Visa Platinum cardholder and your statement date is on the 5th of every month;

  • You have spent a total of QR 52,000 during 1 statement cycle. DOHA MILES will be awarded on eligible transactions in chronological order up to QR 50,000 spend. Your spends above your eligible spend limit will not be awarded DOHA MILES and will not be carried over to the next statement month.
  • You have spent a total of QR 50,000 during 1 statement cycle. DOHA MILES will be awarded on eligible transactions up to QR 50,000 spend.

4. Minimum Monthly Spend Requirement to Earn DOHA MILES

DOHA MILES now has a minimum monthly retail (POS and e-commerce) spend requirement in order to earn DOHA MILES on your eligible spends. You can now earn DOHA MILES with a minimum overall retail (POS and e-commerce) spend of QR 1,000. Kindly note, the DOHA MILES will only be awarded on your eligible spends.

Example: You are a Visa Platinum cardholder and your statement date is on the 5th of every month;

  1. You have spent a total of QR 300 during 1 statement cycle. You will not earn DOHA MILES during the statement month since the minimum eligibility spend was not met in a statement cycle.
  2. You have spent a total of QR 1,000 during 1 statement cycle which may include all retail spends including government payments. However; you will only earn DOHA MILES on your eligible spends excluding government payments etc. made within the QR 1,000 spend.

The above conditions do not apply to Visa Infinite credit card or Lulu Co Brand credit card

5. DOHA MILES Redemption on Point-of-Sales (POS) Machines

Kindly note the new value of DOHA MILES will be QR 0.04 per DOHA MILE when you redeem your DOHA MILES on Point of Sale machines (POS) on our merchant partners or at Lulu stores in Qatar.

The Value of your DOHA MILES on other redemption channels such as booking hotels and flights will remain unchanged.

Example:

  • You are redeeming 10,000 DOHA MILES at one of our merchants with Doha Bank POS machine or at Lulu POS at Lulu Stores in Qatar. Your DOHA MILES will be valued at QR 400.

There is no change in the value of Lulu points while redeeming at Lulu Stores in Qatar.

Frequently Asked Questions (FAQs)

Changes in Lulu Co-brand Loyalty Program (Lulu Points)

A: Changes are only applicable to customers with deposit / lien based Lulu card. If you are transferring your salary to Doha Bank, you will save 5% of your Lulu card spends in the form of Lulu points when used at Lulu Stores. If you are a deposit / lien based Lulu card customer, you will save 2% of your Lulu card spends in the form of Lulu points when used at Lulu Stores.

A: If your salary is credited to your Doha Bank account in August 2018, you will start enjoying the 5% savings in the form of Lulu points of your Lulu card spends at Lulu stores starting 6th October 2018.

A: Your Lulu points that you have earned before you became a salary-transfer customer will still be valid.

A: As a deposit / lien based customer, you will earn 400 Lulu points as oppose to the 1,000 Lulu points you would earn if you were a salary transfer customer on a QR 1,000 spend at Lulu stores in a statement month. This is with a condition that you have not crossed the maximum 10,000 Lulu points that can be earned in a statement month.

Changes in DOHA MILES / Lulu Points Earning on Select Merchant Categories

A: The merchant categories included in the new Points / Miles earnings on your Lulu Points & DOHA MILES are: Supermarket & Grocery Stores, Insurance Services, Real Estate and Rental Payments. These merchant categorizations are as per definitions set by Visa & MasterCard. However, the change does not apply to Lulu card spends at Lulu stores.

A: Local and international retail spends including e-commerce transactions made under the category of “Supermarket & Grocery Stores”, “Insurance Services” and “Real Estate and Rental Payments” as defined by Visa and MasterCard will be eligible for 20% points earning of your base points earning under the DOHA MILES / Lulu Points loyalty program.

A: No, there will be no change in your points earning when you spend at Lulu Stores in Qatar using your Lulu Co-brand credit card.

A: First of all, you need to find out the base point earning of the card you are using. The base point varies according to the card product you are using and the location in-which you do the transaction. E.g.: If you are using a Visa Infinite card internationally, the base point earning will be 1 DOHA MILE for every QR 3 spend. With the new changes in points earning, if you are using your Visa Infinite card at a supermarket outside Qatar, for every QR 3 spend you will be earning 0.2 DOHA MILES (20% of the base point earning), or QR 15 spend you will be earning 1 DOHA MILE. Below is a complete illustration:

Credit Card Product Eligible Spends (QR) to Earn 1 DOHA MILE on Supermarket & Grocery Stores, Insurance Services, Real Estate and Rental Payments Eligible Spends (QR) to Earn 1 DOHA MILE on Other Merchant Categories
  Local Intl. Local Intl.
Visa Infinite 20 15 4 3
Visa Platinum 25 20 5 4
Dream Visa / MasterCard 35 30 7 6
Credit Card Product % Savings in the form of Lulu Points on Eligible Spends on Supermarket & Grocery Stores, Insurance Services, Real Estate and Rental Payments % Savings in the form of Lulu Points on Eligible Spends on Other Merchant Categories
  Local Intl. Local Intl.
Lulu Co-Brand Card outside Lulu Stores 0.20% 0.20% 1.00% 1.00%

A: If the QR 500 payments are included in the total ticket(s) purchase, you will be earning the base points earning for the total transactions. This is because the total purchase amount was charged by the Airlines or travel agents and they are categorized under airlines or travel categories.

Maximum Eligible Spends on Your DOHA MILES Earning

A: This depends on the credit card product that you are using. Please refer to the below table:

Card Products Maximum Spend Amount to Earn DOHA MILES During 1 Statement Month
Visa Infinite No limit
Visa Platinum QR 50,000
Dream Visa / MasterCard QR 30,000

Your DOHA MILES will be calculated against the total eligible spends within the above mentioned maximum spend amount.

A: No, this change does not affect you. You can still earn a maximum of 10,000 Lulu Points on every statement month.

A: No, your government related transactions and cash transactions, such as remittance and cash withdrawals will not be considered. For example, you have made cash transactions of QR 60,000. Then within the same statement month you paid your children school fee with a total value of QR 55,000. You will earn DOHA MILES from the QR 50,000 school fee payment.

A: For your Visa Platinum card, you will earn DOHA MILES for the first QR 50,000 eligible transactions. Since remittance and cash advance are not eligible transactions for earning DOHA MILES, so these two transactions are excluded from calculating the maximum eligible spends. Your total eligible transactions in the same statement month in this case is QR 30,000 (school fee payment) + QR 30,000 (purchasing jewelry) = QR 60,000. DOHA MILES will be calculated on the QR 50,000.

A: Yes, you will get DOHA MILES for the QR 15,000 watch purchase transaction. The QR 25,000 remittance is not an eligible transaction. In this case, your spend is still within the maximum eligible spends, i.e. QR 30,000 for your Dream MasterCard. Even if your credit card limit is QR 25,000, the maximum eligible spend on your DOHA MILES earning will still be QR 30,000.

A: You will earn DOHA MILES from the total spends of QR 24,000. Even if your credit card limit is QR 20,000, the maximum eligible spend on your DOHA MILES earning will still be QR 30,000.

A: There is no maximum spend requirement for your Visa Infinite card. You will earn points for every Qatari Riyal (QR) of the total eligible spends.

Minimum Monthly Spend Requirement to Earn DOHA MILES

A: No, only retail transactions (including transactions on POS machines and E-Commerce) will be considered.

A: Yes, you will get points for the QR 800 spends. The minimum monthly spend requirement does not apply to Lulu Co-brand cards and Visa Infinite cards.

A: There is no spend requirement for your Visa Infinite card. You will earn points even if your total eligible spends is below QR 1,000.


DOHA MILES Redemption on Point-of-Sales (POS) Machines

A: DOHA MILES POS redemption rate is QR 0.04 per DOHA MILE. This means, your 10,000 DOHA MILES redemption at Lulu Stores will be valued at QR 400.

A: Lulu points redemption rate at Lulu will still be valued at QR 0.05 per Lulu point. This means, your 10,000 Lulu points redemption at Lulu Stores will be valued at QR 500.

A: Lulu points can only be redeemed at Lulu Stores in Qatar.

Note:

Doha Bank’s retail, commercial and corporate products are granted at our sole discretion and are subject to the Bank’s terms, conditions and acceptance.