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Credit Card

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Credit Card .

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* Minimum salary AED 5000 required to apply for a Mashreq Credit Card .

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Mashreq Credit Cards in UAE

Check Eligibility for Mashreq Credit Card

You are eligible to apply for a Mashreq
Credit Card .

You may not be eligible * to apply.

* Minimum salary AED 5000 required to apply for a Mashreq Credit Card .

Click here to check loans from other banks.

ADIB Smart Account
Mashreq Credit Card Details
Minimum Salary AED 5000 - AED 35000
Annual Fees AED 0 - AED 1.5K
Cashback Yes
Balance Transfer Yes
Interest Rate 3.45%
Mashreq Credit Card Offers Up to 10% cashback
50% OFF on movie tickets
50% OFF on dining bills
Popular Mashreq Credit Cards Solitaire Credit Card
Novo Credit Card
sMiles Credit Card
SmartSaver Global Credit Card

Features of Mashreq Credit Card

  • High range of benefits can be availed 
  • Annual fees ranges from AED 0 to AED 1500
  • Interest rates starts from 3.45% 
  • Foreign transaction rate starts from 2.79% 
  • Can avail balance transfer 

Eligibility Criteria of Mashreq Credit Card

  • Minimum income of AED 5000 - AED 35000 is required
  • Both UAE Nationals and Expats are eligible
  • Minimum age of 21 years is required

Documents Required of Mashreq Credit Card

  • Emirates ID
  • Passport
  • Resident Visa(For Expats)
  • Address Proofs(Utility bills)

    Mashreq Bank Credit Card Interest rates

    Mashreq Bank

    8 Credit Cards Provided By Mashreq Bank

    Solitaire Credit Card

    rate

    Interest Rate

    2.99%

    minimum salary

    Minimum Salary

    AED 35K

    fx rate

    Fx Rate

    2.3%

    annual fee

    Annual Fee

    AED 1.575K

    balance transfer

    Balance Transfer

    Yes

    cashback

    Cashback

    No

    interest rate

    2.99%

    Interest Rate

    minimum salary

    AED 35K

    Minimum Salary

    fx rate

    2.3%

    Fx Rate

    annual fee

    AED 1.575K

    Annual Fee

    balance transfer

    Yes

    Balance Transfer

    cashback

    No

    Cashback

    Advantages
    • Up to 30% off on dining
    • Free valet parking
    • Free golf privileges
    Advantages
    • Up to 30% off on dining
    • Free valet parking
    • Free golf privileges

    Overview

    • Can save up to 30% on your dining bills
    • Provides access to golf clubs for free. There are no charges for a guest accompanied the cardholder
    • Can get free valet parking at selected locations in Dubai and Abu Dhabi
    Apply Now

    Overview

    • Can save up to 30% on your dining bills
    • Provides access to golf clubs for free. There are no charges for a guest accompanied the cardholder
    • Can get free valet parking at selected locations in Dubai and Abu Dhabi
    • Both primary and supplementary cardholders can get free access to airport lounges along with one guest
    • Can get free airport pick up and drop service on spending a minimum of AED 10,000 in the last billing cycle
    • Can get free travel insurance that covers both local and international trips
    • Can earn 1 Salaam point on every AED spent locally
    • Can earn 3 Salaam points on every AED spent outside UAE
    • 6 free Marhaba Silver meet and greet services are provided
    • Free access to Fitness First centers
    • Provides 30% off on Luxury yacht charter
    • Can avail balance transfer at nominal rates
    • Annual fees of AED 630 is charged on supplementary card
    Apply Now
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    SmartSaver Credit Card

    rate

    Interest Rate

    3.45%

    minimum salary

    Minimum Salary

    AED 10K

    annual fee

    Annual Fee

    AED 0

    balance transfer

    Balance Transfer

    Yes

    cashback

    Cashback

    Yes

    interest rate

    3.45%

    Interest Rate

    minimum salary

    AED 10K

    Minimum Salary

    annual fee

    AED 0

    Annual Fee

    balance transfer

    Yes

    Balance Transfer

    cashback

    Yes

    Cashback

    Advantages
    • 8% cashback on groceries, etc.
    • 0.5-1% cashback on every dirham spent
    • Free travel insurance
    Advantages
    • 8% cashback on groceries, etc.
    • 0.5-1% cashback on every dirham spent
    • Free travel insurance

    Overview

    • Can get 0.5% cashback on purchases made domestically
    • Can get 1% cashback on purchases made outside UAE
    • No maximum caps added to earn the cashback
    Apply Now

    Overview

    • Can get 0.5% cashback on purchases made domestically
    • Can get 1% cashback on purchases made outside UAE
    • No maximum caps added to earn the cashback
    • Can get up to 8% cashback on using the card at selected merchants
    • Can get travel protection plan for free that covers trip cancellation, baggage loss, medical emergency, etc. on tickets booked using Mashreq credit card
    • No annual fees are charged on both primary and supplementary cards
    Apply Now
    View Details

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    Corporate Credit Card

    rate

    Interest Rate

    3.25%

    fx rate

    Fx Rate

    2.3%

    annual fee

    Annual Fee

    AED 0

    balance transfer

    Balance Transfer

    No

    interest rate

    3.25%

    Interest Rate

    fx rate

    2.3%

    Fx Rate

    annual fee

    AED 0

    Annual Fee

    balance transfer

    No

    Balance Transfer

    Advantages
    • No annual fees are charged
    • Up to 30% off on dining
    • Free travel insurance
    Advantages
    • No annual fees are charged
    • Up to 30% off on dining
    • Free travel insurance

    Overview

    • No annual fees are charged life long
    • Can get up to 51 interest free days
    • Can get SMS alerts on reaching 80% of the credit limit
    Apply Now

    Overview

    • No annual fees are charged life long
    • Can get up to 51 interest free days
    • Can get SMS alerts on reaching 80% of the credit limit
    • Provides insurance coverage to employee and company as well
    • Can get up to 30% off on dining bills
    • Can get discounts on travel bookings
    • Can get access to business lounges on 50% discount provided
    • Provides fraud protection
    • Can get travel insurance
    • No annual fees charged on supplementary cards as well
    Apply Now
    View Details

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    Novo Credit Card

    rate

    Interest Rate

    3.45%

    minimum salary

    Minimum Salary

    AED 5K

    fx rate

    Fx Rate

    3.45%

    annual fee

    Annual Fee

    AED 300

    balance transfer

    Balance Transfer

    No

    cashback

    Cashback

    No

    interest rate

    3.45%

    Interest Rate

    minimum salary

    AED 5K

    Minimum Salary

    fx rate

    3.45%

    Fx Rate

    annual fee

    AED 300

    Annual Fee

    balance transfer

    No

    Balance Transfer

    cashback

    No

    Cashback

    Advantages
    • High discounts on movie tickets
    • Free access to airport lounges
    • Free multi-trip travel insurance
    Advantages
    • High discounts on movie tickets
    • Free access to airport lounges
    • Free multi-trip travel insurance

    Overview

    • One of the best credit cards that offers high movie ticket discounts
    • Can get 50% off on movie tickets at Novo Cinemas
    • Can get discount on maximum 8 movie tickets(per month)
    Apply Now

    Overview

    • One of the best credit cards that offers high movie ticket discounts
    • Can get 50% off on movie tickets at Novo Cinemas
    • Can get discount on maximum 8 movie tickets(per month)
    • Even supplementary cardholders can get discount on movie tickets
    • A minimum spend of AED 4000 is required to get discount on 8 movie tickets(per month)
    • Can get a discount on up to 4 movie tickets if the minimum spend in the previous billing cycle is less than AED 4000
    • AED 149 is the annual fee charged on a supplementary card
    • Free access to airport lounges in the Middle East
    • Can get free travel insurance
    • No charges are levied for Novo Subscription
    Apply Now
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    sMiles Credit Card

    rate

    Interest Rate

    3.45%

    minimum salary

    Minimum Salary

    AED 5K

    annual fee

    Annual Fee

    AED 300

    balance transfer

    Balance Transfer

    Yes

    cashback

    Cashback

    No

    interest rate

    3.45%

    Interest Rate

    minimum salary

    AED 5K

    Minimum Salary

    annual fee

    AED 300

    Annual Fee

    balance transfer

    Yes

    Balance Transfer

    cashback

    No

    Cashback

    Advantages
    • Up to 30% OFF on dining bills
    • 1.5 sMiles on every 1 AED spent
    • Free travel protection
    Advantages
    • Up to 30% OFF on dining bills
    • 1.5 sMiles on every 1 AED spent
    • Free travel protection

    Overview

    • On paying annual fees on AED 300 can get 10,000 sMiles
    • 10,000 sMiles are provided on spending AED 5000 within 30 days of receiving the card
    • 10,000 sMiles are provided on spending AED 40000 within 12 months of receiving the card
    Apply Now

    Overview

    • On paying annual fees on AED 300 can get 10,000 sMiles
    • 10,000 sMiles are provided on spending AED 5000 within 30 days of receiving the card
    • 10,000 sMiles are provided on spending AED 40000 within 12 months of receiving the card
    • Can redeem the sMiles on flight ticket bookings and hotel reservations
    • Can get access to airport lounges in Dubai, Egypt, Jordan, Kuwait and KSA
    • Can get up to 30% off on dining at selected restaurants in Dubai, India, Qatar, Oman, etc.
    • Provides travel and fraud protection
    • Can convert payments to Easy Payment Plan on 0% interest rate
    • No annual fees are charged on supplementary card
    Apply Now
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    Portrait Credit Card

    rate

    Interest Rate

    3.45%

    minimum salary

    Minimum Salary

    AED 7K

    annual fee

    Annual Fee

    AED 650

    balance transfer

    Balance Transfer

    Yes

    cashback

    Cashback

    No

    interest rate

    3.45%

    Interest Rate

    minimum salary

    AED 7K

    Minimum Salary

    annual fee

    AED 650

    Annual Fee

    balance transfer

    Yes

    Balance Transfer

    cashback

    No

    Cashback

    Advantages
    • 3 Salaam points on every 1 AED
    • Free access to Fitness First clubs
    • Free airport lounges access
    Advantages
    • 3 Salaam points on every 1 AED
    • Free access to Fitness First clubs
    • Free airport lounges access

    Overview

    • Can get access to airport lounges for free
    • Can get discounts at spa, gym, etc.
    • Can avail SafeDriver service and get 15% off
    Apply Now

    Overview

    • Can get access to airport lounges for free
    • Can get discounts at spa, gym, etc.
    • Can avail SafeDriver service and get 15% off
    • Earn 4 Salaam points on purchases made in the UAE using the card
    • Earn 8 Salaam points on purchases made outside the UAE using the card
    • Can get the personalized by adding your picture to it
    Apply Now
    View Details

    View details on bank page

    Platinum Elite Credit Card

    rate

    Interest Rate

    3.45%

    minimum salary

    Minimum Salary

    AED 10K

    annual fee

    Annual Fee

    AED 650

    balance transfer

    Balance Transfer

    Yes

    cashback

    Cashback

    No

    interest rate

    3.45%

    Interest Rate

    minimum salary

    AED 10K

    Minimum Salary

    annual fee

    AED 650

    Annual Fee

    balance transfer

    Yes

    Balance Transfer

    cashback

    No

    Cashback

    Advantages
    • 3 Salaam points on every 1 AED
    • Free airport pickup & drop facility
    • Up to 50% OFF on Entertainment & Leisure
    Advantages
    • 3 Salaam points on every 1 AED
    • Free airport pickup & drop facility
    • Up to 50% OFF on Entertainment & Leisure

    Overview

    • Can get 2 free access to airport lounges worldwide
    • Maximum 8 free entries are provided to the airport lounges per year
    • A minimum spend of AED 7000(pm)in the last billing cycle is required to get 2 free access to airport lounges and free pickup and drop service to the airport
    Apply Now

    Overview

    • Can get 2 free access to airport lounges worldwide
    • Maximum 8 free entries are provided to the airport lounges per year
    • A minimum spend of AED 7000(pm)in the last billing cycle is required to get 2 free access to airport lounges and free pickup and drop service to the airport
    • Can get free visits to FitnessFirst centers at selected locations
    • Earn 1 Salaam points on purchases made in the UAE using the card
    • Earn 3 Salaam points on purchases made outside the UAE using the card
    • Can get up to 50% on dining, entertainment, leisure and much more
    • AED 156.45 is charged as annual fee on supplementary card
    Apply Now
    View Details

    View details on bank page

    SmartSaver Global Credit Card

    rate

    Interest Rate

    3.45%

    minimum salary

    Minimum Salary

    AED 30K

    annual fee

    Annual Fee

    AED 750

    balance transfer

    Balance Transfer

    Yes

    cashback

    Cashback

    Yes

    interest rate

    3.45%

    Interest Rate

    minimum salary

    AED 30K

    Minimum Salary

    annual fee

    AED 750

    Annual Fee

    balance transfer

    Yes

    Balance Transfer

    cashback

    Yes

    Cashback

    Advantages
    • Up to 10% cashback
    • Up to 20% OFF on Careem rides
    • Up to AED 750 annual cash bonus
    Advantages
    • Up to 10% cashback
    • Up to 20% OFF on Careem rides
    • Up to AED 750 annual cash bonus

    Overview

    • Can get 0.5% cashback on purchases made domestically
    • Can get 2% cashback on purchases made outside UAE
    • No maximum caps added to earn the cashback
    Apply Now

    Overview

    • Can get 0.5% cashback on purchases made domestically
    • Can get 2% cashback on purchases made outside UAE
    • No maximum caps added to earn the cashback
    • Can get up to 8% cashback on using the card at selected merchants
    • Can get 5% cashback on airline bookings, hotel reservations, at duty-free stores
    • Free access to airport lounges worldwide
    • Free airport pickup and drop service
    • Complimentary 2 night stays on booking 4 nights at Starwoods hotels and resorts
    • Free ride on Careem- this is applicable only to first time careem users
    • 10% off on bookings made on cleartrip.ae with no minimum transaction restrictions
    • No annual fees are charged on both primary and supplementary cards
    Apply Now
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    View details on bank page

    Mashreq Credit Card Benefits

    Platinum Elite Credit Card

    • Free access to over 700 airport lounges in 300 cities.
    • Can get up to 8 complimentary access to airport lounges per year 
    • Free Travel insurance is provided
    • Special discounts on health, wellness and spa
    • Up to 3 complimentary airport pick up and drop facilities every year.
    • Up to 3 salaam points on every Dirham of domestic and retail expenditure
    • Up to 8 free visits to Fitness First 

    Solitaire Credit Card

    • Provides high dining discounts at finest restaurants in the UAE. Can save up to 30% on your dining bills using the Solitaire card.
    • Free valet parking at Dubai, Abu Dhabi and other places like Dubai mall, Dubai international airport, Mall of Emirates, Ibn Battuta mall, Ferrari World and Yas Water World.
    • Exclusive and unlimited free access to 900+ airport lounges around the world. Both primary vard and supplementary cardholders are eligible for the free accessand no charges for one guest accompanied. 
    • Travel insurance for multiple trips for the whole family that saves you from both local and trips around the world for a period of 3 months.
    • Free airport pick up and drop is provided
    • Six complimentary Marhaba silver meet and greet services are provided with 2 services a month every year in Dubai.
    • Magnificent Yacht Chartering with 30% discount accompanied with a guide for sightseeing along with sunset and sunrise dinner.
    • Golf privileges are included with unlimited golf in the following month with one partner if the retail spends in the billing earlier is greater or equal to AED 10000, single round of golf with one partner if retail spends vary in between AED 5000 and 9999.
    • Free complimentary visits to Fitness First.

    Novo Credit Card

    • 50% exclusive discount on movie tickets 
    • Can get discount on up to 8 tickets per month 
    • Special counter for Nova Card holder at the theaters to get the tickets get booked in a minute without any delay.
    • Exclusive free access to above 10 Marhaba and CAC lounges in places including UAE, KSA, Kuwait and Egypt.
    • Trip to multiple locations with free travel insurance for the total trip.
    • Card protection in case of misuse of your card by an unknown person.
    • Replacement of card anytime, anywhere in case of emergency.
    • Baggage loss, flight delays, curtailment are covered.

    Smartsaver Credit Card

    • 1% cashback on international purchases 
    • 0.5% cashback on domestic purchases
    • Up to 8% cashback on purchases made at selected merchants 
    • Free travel insurance is provided

    Smart Saver Global

    • 2% cashback on international transactions
    • 0.5% cashback on transactions made in the UAE
    • 5% cashback on air ticket bookings, hotel reservations, and purchases made at Duty free stores 
    • Up to 8% cashback on shopping at partner outlets that includes jewellery, furniture, health etc.
    • 650 airports lounges with complimentary access in around 450 cities covering almost 120 countries globally.
    • Pick up and drop is complimentary for 6 times a year in Dubai.
    • Up to 2 complimentary night stays at Starwood Hotels & Resorts
    • Up to 15% off at Hertz Car rentals
    • Up to 20% OFF on two Careem rides per month
    • Up to 10% OFF on travel bookings made at Cleartrip.ae
    • Exclusive discounts on Mastercard Buy 1 Get 1 free app

    Corporate Credit Card

    • Access to professional workplaces in 1825 locations for employees.
    • Protection of company in case of any misuse of the card with an insurance of $25000 per employee and $1,600,000 per company.
    • Travel and accidental insurance.
    • Access to 1,600 lounges in over 600 cities across 100 countries with a discount of 50%.
    • Dining discounts up to 30% across all magnificent 5 star hotels of UAE.
    • No set-up cost intended.

    Mashreq sMiles Credit Card

    • Free travel insurance.
    • Dining discount of up to 30% at around 1,800 restaurants in UAE and upto 1,300 restaurants in Qatar, Oman etc.
    • sMile rewards for every AED.
    • 1.5 sMiles on each AED spent both locally and internationally.
    • 10000 sMiles on a paying annual fees of 300 AED.
    • Free access to Marhaba lounge, Dubai.
    • Protection of card against fraudulent activity.
    • Redeem card on airlines, hotel ticket bookings and holiday excursions.

    Mashreq Portraits Card

    • Up to 50% discount on 1800+ restaurants in UAE and 1300+ restaurants in Oman, Qatar and India.
    • Safe driver discount upto 15%.
    • Multitrip travel insurance.
    • Free access to airport lounges
    • Golf rounds at Al Badia Golf Club, Abu Dhabi Golf Club as complimentary.
    • 4 Salaam points and 8 Salaam points on local and international purchases respectively.

    Frequently Asked Questions

    Q. Are there any credit cards provided for free?

    A. Yes. Mashreq Smart Saver Credit card is provided on zero annual fees.

    Q. What are the annual fees on the supplementary credit cards?

    A. On the supplementary credit cards, AED 0 - AED 630(depends on the primary card) is charged as annual fees.

    Q. Are there any extra charges levied for using the card on international purchases?

    A. Yes. 2.30% of the transaction amount is charged as international transaction rate.

    Q. Can I convert my regular card payments to easy installment plan?

    A. Yes, you can convert your regular payments into an easy installment plan.

    Q. Are there any processing fees to convert the regular payments to easy installment plan?

    A. The processing fees to convert your payments to an easy installment plan depends up on the merchant.

    Q. Can I get SMS alerts for every transaction made on card?

    A. Yes. SMS alerts will be provided on every transaction made on the card.

    Q. Is card protection provided on every card of Mashreq Bank?

    A. Yes. Mashreq provides Pay Protect on the cards.

    Q. Where can I redeem the sMiles earned?

    A. sMiles earned on sMiles card can be redeemed for airline tickets and hotel bookings.

    Q. What’s the card replacement fee of Mashreq Cards?

    A.AED 78.8 is charged as card replacement fee for all Mashreq Cards.

    Q. What’s the late payment fees of Mashreq credit cards?

    A.Late payment fee charged on Mashreq cards is AED 241.5.

    Q. Can I expect a travel insurance on every card of Mashreq bank?

    A. Yes, travel insurance is provided by every card of Mashreq bank.

    Q. What are the best cashback credit cards available?

    A. Various banks are providing cashback cards in the UAE. You can check here onCashback credit cards UAE

    Q. What are the offers provided on Mashreq bank credit card?

    A. Mashreq bank credit cards provides several dining, shopping, etc. discounts. Check here the list of Mashreq credit card offers

    Q. What is the customer care number of Mashreq Bank?

    A. Check Mashreq Customer service details here Mashreq customer care number

    About Mashreq

    Mashreq Bank is a private sector bank established in 1967. It was started by Al-Ghurair Group and it also known as largest private sector bank. Mashreq Bank provides both retail and commercial services to their customers.

    Mashreq provides a wide range of products and services that suits the needs of every customer. It works with an aim to provide their customers best banking experience and establish a good customer bank relationship. Mashreq Bank has marked its presence globally by starting their operations at regions like Bahrain, Egypt, Kuwait, Qatar. It also has branches in New York, Mumbai(India), London and Honk Kong.

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