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Thank you for providing your details.Mashreq Aura World Elite Credit Card
Aura World Elite Credit Card
Features
- Earn up to 12% cashback as Aura Points on purchases at participating Aura brands in the UAE, including the card reward and applicable Aura tier benefits.
- Earn 5% cashback as Aura Points on eligible domestic grocery purchases.
- Earn 1.25% cashback as Aura Points on eligible international transactions.
- Earn 1.25% 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.
- Receive up to 25% instant discounts at participating Aura brands, including H&M, American Eagle, Victoria's Secret, Bath & Body Works and Shake Shack.
- Get up to 25% instant discounts on eligible food and beverage purchases at Starbucks outlets in the UAE.
- Receive a welcome bonus of AED 2,500 in Aura Points for new Mashreq credit card customers who spend AED 15,000 within the first two months of card issuance. Existing Mashreq credit card customers may receive AED 500 in Aura Points for meeting the same spending requirement.
- Access up to 14 complimentary airport lounge visits or airport dining offers per calendar year through Mastercard Travel Pass, subject to the applicable terms and international transaction requirement.
- Save up to AED 1,000 on eligible flight and hotel bookings through MakeMyTrip using the code MASHREQAURAWE.
- Apply for the card online using a valid Emirates ID.
- Note: Aura Points are not earned on bill payments made through Mashreq Mobile App or Online Banking. Reward rates and discounts are subject to eligible transactions and the bank's terms and conditions.
- Annual fee: AED 1,500 + 5% VAT (AED 1,575) for the primary card.
- Supplementary card fee: AED 600 + 5% VAT (AED 630).
- 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- Cash advance fee: 3.15% of the withdrawn amount or AED 210, whichever is higher.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.
- PayProtect insurance: 0.99% of the monthly statement balance, as displayed on the product page.
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 12% cashback as Aura Points at participating Aura brands in the UAE. The total reward includes 8% from eligible card spending and up to 4% based on the cardholder's Aura membership tier.
- Shopping and dining discounts: Get up to 25% instant discounts at selected brands, including H&M, American Eagle, Victoria's Secret, Bath & Body Works and Shake Shack. The discount varies by participating merchant and applicable terms.
- Grocery cashback: Earn 5% cashback as Aura Points on eligible grocery purchases within the UAE.
- International spending rewards: Receive 1.25% cashback as Aura Points on eligible international transactions, making the card useful for overseas purchases.
- Airport lounge access: Enjoy up to 14 complimentary airport lounge visits or airport dining offers per calendar year through Mastercard Travel Pass. Both primary and supplementary cardholders can access the benefit, subject to the required international transaction and programme conditions.
- Travel savings: Get savings of up to AED 1,000 on eligible flight and hotel bookings through MakeMyTrip using the promotional code MASHREQAURAWE.
- Welcome bonus: Eligible new Mashreq credit card customers can receive AED 2,500 in Aura Points after spending AED 15,000 within the first two months of card issuance. Existing Mashreq credit card customers may qualify for AED 500 in Aura Points.
Frequently Asked Questions
Q. What is the annual fee for the Mashreq Aura World Elite Credit Card?
A. The primary card carries an annual fee of AED 1,500 plus 5% VAT, bringing the total to AED 1,575. The supplementary card fee is AED 600 plus VAT.
Q. How much cashback can cardholders earn with the Mashreq Aura World Elite Credit Card?
A. Cardholders can earn up to 12% cashback as Aura Points at participating Aura brands in the UAE. The card also offers 5% on domestic grocery purchases, 1.25% on international transactions 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 2,500 in Aura Points after spending AED 15,000 within the first two months of card issuance. Existing Mashreq credit card customers may receive AED 500 after meeting the same spending requirement.
Q. Does the Mashreq Aura World Elite Credit Card offer airport lounge access?
A. Yes. The card offers up to 14 complimentary airport lounge visits or airport dining offers per calendar year through Mastercard Travel Pass. The benefit is subject to the programme's terms and the required international transaction.
Q. What is the minimum payment required for the Mashreq Aura World Elite Credit Card?
A. The minimum monthly payment is 5% of the monthly statement balance. Paying only the minimum amount may result in additional interest charges on the outstanding balance.
Get in touch with Mashreq Customer Care
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