Sharaf Exchange

Loyalty Scheme
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Welcome to Usrati, your world of unmatched benefits and support from Sharaf Exchange!
What is Usrati?
Usrati is Sharaf Exchange’s customer loyalty program. The word Usrati in Arabic means “My Family”. Right from the name, through its design, operation and management, Usrati offers benefits and support to every members, just as one would provide to members of one’s own family.
What benefits does Usrati provide?
Usrati benefits are currently provided across the below lines:
  1. More than 400 + offers across Retail, Dining, Entertainment, Beauty, Wellness and Services categories, across the UAE.
  2. Emergency Free Flight tickets for travel to Home country OR for a relative to travel from home country to the UAE.
  3. Regular exclusive promotions, offers, raffles and surprises from Sharaf Exchange.
Grab your Usrati membership cards now!
INTERESTING?? Of course, would you like to know more??... 
Initiate Benefits:
Follow the below steps to get complete access to Usrati benefits!!
  1. Visit your nearest Sharaf Exchange outlet 
  2. Ask to be enrolled into Usrati!
  3. Once you have received your card, download the Bebuzzd app                                                                        
App Store:
Google play:   
Remember: Ensure that the mobile number you have listed with Sharaf Exchange is the same phone on which you are downloading the Bebuzzd app.
  1. Log in to Bebuzzd application with the OTP received.
Do it now! 
Receive benefits:
  1. Ensure that you are a member of Usrati
  2. Perform your regular remittance or currency exchange transaction with Sharaf Exchange
  3. For transactions less than AED 20,000 in value, you shall receive 50 Usrati points and for transactions that are AED 20,000 or more, you shall receive 100 Usrati points.
  4. Use 5 Usrati points, to pick any deal you like from over 400 deals available to Usrati members on the bebuzzd platform.
Redeem benefits:
  1. When you visit the outlet whose deal you have picked up using Usrati points, simply inform them that you have the deal with you
  2. Enjoy the product or service from the merchant
  3. At the time of payment, simply show the store staff, your phone with the deal in it.
  4. The staff shall enter their pin and enable you to redeem the deal.
How does the Free Emergency Flight Tickets program work?
Sharaf Exchange is the pioneer exchange house in UAE to have introduced, for the first time ever, a free emergency flight ticket benefit. It is probably for the first time in the world, that a benefit like this has been rolled out for loyalty program members.
The benefit covers an active Usrati member, in 2 ways:
  1. It reimburses the expenses of your air travel to your home country and return, in the event of accidental death of a close relative. A close relative means Spouse (18 – 70 years), parent, parent-in-law, grandparents, child, child -in-law, sibling, sibling-in-law, grandchild, legal guardian, dependent or fiancé (e) of the Usrati member.
  2. It reimburses the expenses of air travel for a close relative from your home country to the UAE and return, in the event of an accident for you in the UAE, which requires continuous hospitalization of more than 15 days.
The above benefits may be claimed multiple times, by an active Usrati member, to a total amount of AED 5000/- in a 12 month period, from the date of first enrolment into the Usrati. It is also valid in 12 month periods, thereafter, unless there has been an inactivation or expiry of the Usrati membership, in which case, Sharaf Exchange will approve the benefits at their sole discretion.
Union Insurance is our partner in providing this benefit to Usrati members.
Detailed terms and conditions, can be downloaded here
In order to claim the benefits, please follow the steps as detailed in the document that can be downloaded here.
The Claim form can be downloaded here
How can I be an Active member of Usrati??
  1. Once you sign up for Usrati, you are by default considered an active member
  2. We keep you active for 45 days from the date of last transaction or date of sign up.
  3. The points earned and the Insurance under which you are eligible for the Free Emergency Flight Tickets remain active and working during this time.
  4. Within the 45 day period, when you do a second transaction, the profile and all benefits continue you to remain active.
  5. If there hasn’t been any transaction within the 45 day period, then your profile becomes inactive. It remains so until 60 days without activity has reached.
  6. During the inactivity period, all your Usrati points, remain in your account, but cannot be used. The Insurance profile for Free Emergency Flight Tickets, also go into inactivity.
  7. If you do perform a transaction within this inactivity period, everything turns back to normal immediately.
  8. Once 60 days of inactivity has passed, then the profile becomes expired. In this scenario both the insurance and the points expire. There is no way to get the Usrati points back. As for the Insurance, Sharaf Exchange can at its discretion add you back into your 12 month cycle.
  9. So really it works like 0-45-60. It is very simple. But of course, we do not want you to be worried about all these details. Simply continue to do a transaction with Sharaf Exchange every 45 days and continue to enjoy all the Usrati benefits, without hiccups.
How many Tiers are present for Usrati?
Usrati has 3 tiers:
  1. Silver
  2. Gold
  3. Platinum
How a customer is suggested a Tier?
 Every existing customer of Sharaf Exchange, is suggested a customer Tier on Usrati based on the average monthly amount of remittance they perform with Sharaf Exchange. This is treated as the best estimate of a customer’s economic status and therefore a tier recommendation is made.
  • Silver Tier is for our customers who on average, conduct transactions of less than AED 1500 equivalent, per month
  • Gold Tier is for our customers who on average, conduct transactions of more than AED 1500 but less than AED 25000 equivalent, per month
  • Platinum Tier is for our customers who on average, conduct transactions of more than AED 25000 equivalent, per month
How are the benefits spread across Tiers?
Every Usrati member is dear to us, irrespective of their Tier. Therefore there are benefits for everyone & the benefits are for everyone!
The total universe of offers on bebuzzd and the emergency free flight tickets are available to all Usrati members, irrespective of the Tier. However, the sorting of the offers, when a member opens the bebuzzd application, is based on their Tier. This ensures that the offers and benefits that the member sees, are most appropriate to his probable standard of living.
However, we are no one to decide for you! Every Usrati member has the same access to each offer, should they find such offers useful.
What kind of benefits differ by Tier?
For Usrati members, Sharaf Exchange shall regularly roll out exclusive privileges, offers, discounts, raffles and surprises! These shall be done by tier, in order to make such activities most valuable for each Usrati member. Therefore, Silver Tier card holders shall have a specific type of offers, while Gold shall have a different specific deal and Platinum will have another special deal.
Have another query?
We are at your service. Please feel free to reach out at 800 8111 citing your Usrati membership number, which is printed on your card.


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