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I hereby acknowledge and agree to allow Citibank to share my details with any UAE credit bureau and make enquiries about me with any UAE credit bureau at its sole and absolute discretion. I agree to the Terms and Conditions listed below. Citibank Terms and Conditions apply, are subject to change without prior notice and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. Citibank, N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners/other entities. By inquiring about our services, offers or products, you will be authorizing our representatives to approach you on your contact details including your telephone/mobile number for any product or service offered by Citibank. The applicant agrees to be bound by Citibank’s General Terms and Conditions available on the website www.citibank.ae. The applicant hereby represents and warrants that the information provided herein is true, accurate, and complete and that he/she agrees to remain responsible for and to indemnify Citibank, N.A. from and against any losses, claims and/or liabilities incurred by Citibank NA as a result of having relied on such information. Citibank, N.A. is not required to verify the information provided by the applicant and neither is the bank obliged to provide the applicant with any loans or credit facilities based on the provided information. The products and services mentioned on this website are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man or the UK. This page is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals.
Thank you for providing your details.Mashreq Aura Credit Card
Aura Credit Card
Features
- Earn up to 8% cashback as Aura Points on eligible purchases at participating Aura brands in the UAE.
- Earn 3% cashback as Aura Points on eligible domestic grocery purchases.
- Earn 0.75% cashback as Aura Points on eligible international transactions.
- Earn 0.75% cashback as Aura Points on other eligible domestic purchases.
- Earn 0.25% cashback as Aura Points on eligible government payments, utilities, education, charity, fuel, rental and telecom transactions.
- Get 15% instant discounts at participating Aura brands, including H&M, American Eagle, Victoria's Secret, Bath & Body Works and Shake Shack.
- Receive a 15% instant discount on eligible food and beverage purchases at Starbucks in the UAE.
- Get a welcome bonus of AED 500 in Aura Points after spending AED 5,000 within the first two months of card issuance as a new Mashreq credit card customer. Existing Mashreq credit card customers may receive AED 100 in Aura Points after meeting the same spending requirement.
- Enjoy up to 4 complimentary airport lounge visits per calendar year through Mastercard Travel Pass, subject to the applicable terms and conditions.
- Get access to Mastercard offers and selected travel benefits.
- Note: Cashback is credited as Aura Points rather than cash into the credit card account. Bill payments made through Mashreq Mobile App or Online Banking are not eligible for Aura Points.
- Annual fee: Free for life.
- Supplementary card fee: Free for life.
- Monthly interest rate: 3.85% per month (46.20% per annum).
- Minimum monthly payment: 5% of the monthly statement balance.
- Foreign currency transaction fee: 2.89% plus applicable Mastercard charges.
- Cash advance fee: 3.15% of the withdrawn amount or AED 210, whichever is higher.
- Late payment fee: AED 241.50.
- Overlimit fee: AED 303.45.
- Card replacement fee: AED 78.80.
- PayProtect insurance: 0.99% of the monthly statement balance, as displayed on the product page. The Key Facts Statement lists 1.04% of the outstanding amount.
Required Documents
- Valid Emirates ID.
- The bank may request additional documents or information depending on the applicant's profile and verification requirements.
Main Benefits
- Rewards at Aura brands: Earn up to 8% cashback as Aura Points on eligible purchases at participating Aura brands in the UAE. The reward rate depends on the participating merchant and applicable programme terms.
- Shopping and dining discounts: Get 15% instant discounts at selected brands, including H&M, American Eagle, Victoria's Secret, Bath & Body Works and Shake Shack. Eligible food and beverage purchases at Starbucks also receive a 15% discount.
- Grocery cashback: Earn 3% cashback as Aura Points on eligible grocery purchases within the UAE.
- International spending rewards: Receive 0.75% cashback as Aura Points on eligible international transactions and other eligible domestic purchases.
- Airport lounge access: Enjoy up to 4 complimentary airport lounge visits per calendar year through Mastercard Travel Pass, subject to the applicable programme conditions.
- Welcome bonus: New Mashreq credit card customers can receive AED 500 in Aura Points after spending AED 5,000 within the first two months of card issuance. Existing Mashreq credit card customers may qualify for AED 100 in Aura Points after meeting the same spending requirement.
- No annual fee: The card is free for life, so there is no recurring annual fee for the primary or supplementary card.
Frequently Asked Questions
Q. What is the annual fee for the Mashreq Aura Credit Card?
A. The Mashreq Aura Credit Card is free for life. Both the primary and supplementary cards have no annual fee.
Q. How much cashback can cardholders earn with the Mashreq Aura Credit Card?
A. Cardholders can earn up to 8% cashback as Aura Points at participating Aura brands in the UAE. Other eligible spending earns 3% on domestic grocery purchases, 0.75% on international and other domestic purchases, and 0.25% on selected government and utility-related payments.
Q. What is the welcome bonus offered on this credit card?
A. New Mashreq credit card customers can receive AED 500 in Aura Points after spending AED 5,000 within the first two months of card issuance. Existing Mashreq credit card customers may receive AED 100 after meeting the same spending requirement.
Q. Does the Mashreq Aura Credit Card offer airport lounge access?
A. Yes. The card offers up to 4 complimentary airport lounge visits per calendar year through Mastercard Travel Pass, subject to the applicable terms and conditions.
Q. Where can cardholders redeem Aura Points?
A. Cashback is credited to the cardholder's Aura account in the form of Aura Points. These points can be redeemed at participating Aura brands. They cannot be withdrawn as cash or transferred to a bank account, and they are valid for 12 months from the date of accrual.
Get in touch with Mashreq Customer Care
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