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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 World Credit Card
Aura World Credit Card
Features
- Earn up to 10% cashback as Aura Points on purchases at participating Aura brands in the UAE. This includes 6% from eligible card spending and up to 4% additional cashback based on the Aura membership tier.
- Earn 4% cashback as Aura Points on eligible domestic grocery purchases.
- Earn 1% cashback as Aura Points on eligible international transactions.
- Earn 1% 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 20% instant discounts at participating Aura brands, including H&M, American Eagle, Victoria's Secret, Bath & Body Works, Shake Shack and other selected merchants.
- Receive a 20% instant discount on eligible food and beverage purchases at Starbucks outlets in the UAE.
- Get a welcome bonus of AED 1,000 in Aura Points after spending AED 10,000 within the first two months of card issuance as a new Mashreq credit card customer. Existing Mashreq credit card customers may qualify for AED 200 in Aura Points after meeting the same spending requirement.
- Receive an automatic upgrade to Aura Star membership, subject to the applicable programme terms.
- Enjoy up to 8 complimentary airport lounge visits or airport dining offers per calendar year through Mastercard Travel Pass, subject to the international transaction requirement.
- Get travel savings on eligible flight and hotel bookings through MakeMyTrip using the code MASHREQAURAW.
- Apply online using a valid Emirates ID.
- Note: Aura Points are not earned on bill payments made through Mashreq Mobile App or Online Banking. Cashback rates, discounts and benefits are subject to eligible transactions and the bank's terms and conditions.
- Annual fee: AED 500 + 5% VAT (AED 525) for the primary card.
- Supplementary card fee: AED 149 + 5% VAT (AED 156.45).
- Monthly interest rate: 3.85% per month (46.20% per annum).
- Minimum monthly payment: 5% of the statement balance, as illustrated in the bank's Key Facts Statement.
- 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: 1.04% of the outstanding amount, if the optional insurance is selected.
Required Documents
- Valid Emirates ID.
- The bank may request additional documents or information depending on the applicant's profile and verification requirements.
Main Benefits
- Aura brand rewards: Earn up to 10% cashback as Aura Points at participating Aura brands in the UAE. The reward includes 6% cashback from card spending and additional tier-based cashback of up to 4%, depending on the Aura membership tier.
- Shopping and dining discounts: Get 20% instant discounts at selected Alshaya 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 20% discount.
- Grocery cashback: Earn 4% cashback as Aura Points on eligible grocery purchases within the UAE.
- International spending rewards: Receive 1% cashback as Aura Points on eligible international transactions, along with 1% on other eligible domestic purchases.
- Aura Star membership: Cardholders receive an automatic upgrade to Aura Star membership, providing access to additional loyalty programme benefits while holding an eligible card.
- Airport lounge access: Enjoy up to 8 complimentary airport lounge visits or airport dining offers per calendar year through Mastercard Travel Pass. A minimum international transaction of USD 1 or its local currency equivalent is required to activate or maintain access.
- Travel savings: Get discounts and reward bonuses on eligible flight and hotel bookings through MakeMyTrip. The offers include flight discounts and hotel booking benefits, subject to the booking type, minimum transaction value and promotional terms.
- Welcome bonus: Eligible new Mashreq credit card customers can receive AED 1,000 in Aura Points after spending AED 10,000 within the first two months of card issuance. Existing Mashreq credit card customers may qualify for AED 200 in Aura Points.
Frequently Asked Questions
Q. What is the annual fee for the Mashreq Aura World Credit Card?
A. The primary card has an annual fee of AED 500 plus 5% VAT, bringing the total to AED 525. The supplementary card costs AED 149 plus VAT, or AED 156.45.
Q. How much cashback can cardholders earn with the Mashreq Aura World Credit Card?
A. Cardholders can earn up to 10% cashback as Aura Points at participating Aura brands in the UAE. Other reward rates include 4% on eligible domestic grocery purchases, 1% on international and other eligible domestic spending, and 0.25% on selected government and utility-related payments.
Q. What is the welcome bonus offered on this credit card?
A. Eligible new Mashreq credit card customers can receive AED 1,000 in Aura Points after spending AED 10,000 within the first two months of card issuance. Existing Mashreq credit card customers may qualify for AED 200 after meeting the same spending requirement.
Q. Does the Mashreq Aura World Credit Card offer airport lounge access?
A. Yes. The card provides up to 8 complimentary airport lounge visits or airport dining offers per calendar year through Mastercard Travel Pass. Cardholders must make an eligible international transaction of at least USD 1 or its local currency equivalent to activate or maintain the benefit.
Q. What is the minimum monthly payment for the Mashreq Aura World Credit Card?
A. The minimum monthly payment is 5% of the statement balance. Paying only the minimum amount may result in additional interest charges on the remaining outstanding balance.
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