Mashreq Bank Credit Cards

Minimum Salary
0,00 د.إ

Description

Mashreq Bank offers a diverse portfolio of credit cards—including Solitaire, Platinum Elite, Cashback, SmartSaver, and noon—each with uniform retail finance charges, transparent fee schedules, clear eligibility criteria, and straightforward documentation. Selecting the right card depends on your income level, primary spend categories, and desired rewards (cashback, points, travel perks).

Features

Card Summary

Card Name	Min. Salary (AED)	Annual Fee (AED)¹	Retail Rate (p.m.)	Welcome / Bonus Offer	Min. Spend Criteria
Solitaire	25,000	5,250	3.85%	AED 2,500 cashback on AED 4,500 spend in 90 days	AED 4,500 in acquisition + 60 days
Platinum Elite	7,000	682.50	3.85%	AED 500 cashback on AED 3,000 spend in 90 days	AED 3,000 in acquisition + 60 days
Cashback	5,000	0	3.85%	AED 500 cashback on AED 4,500 spend in 90 days	AED 4,500 in acquisition + 60 days
SmartSaver	10,000	0	3.85%	Up to 10% cashback on four categories (capped)	AED 3,000 per month
SmartSaver Global	10,000	787.50	3.85%	Same as SmartSaver, plus international benefits	AED 3,000 per month
Smartsaver Titanium²	10,000	682.50	3.85%	5% cashback on fuel; 2% on utilities (capped)	AED 2,000 per month
noon Credit Card	10,000	0	3.85%	AED 500 bonus on AED 4,000 spend at noon	AED 4,000 in acquisition + 60 days
Solitaire Metal³	25,000	6,300	3.85%	AED 3,000 cashback on AED 5,000 spend	AED 5,000 in acquisition + 60 days

¹ All fees inclusive of 5% VAT.
² “Mashreq Smartsaver Titanium” fee differs by variant; shows core Titanium.
³ Metal variant fees include VAT.

Finance Charges & Key Fees

Retail Purchases:85% per month (46.20% p.a.)
Cash Advances:15% of amount or AED 210 (whichever higher) per transaction
Foreign Currency Mark-up:89% on non-AED transactions (VAT exempt)
Balance Transfer / EPP: Terms communicated at point of sale; cancellation fee AED 105; processing fee as communicated
Grace Period: Up to 55 days on purchases when full balance is paid by due date
Minimum Payment Due: 5% of statement balance or AED 100 (whichever higher)
Late Payment Fee: AED 241.50
Over-Limit Fee: AED 303.45
Paper Statement Fee: AED 5.25 per month
Duplicate Statement: AED 15.75 (≤3 mo) / AED 47.25 (>3 mo)
Sales Voucher Copy: AED 10.50
Card Replacement Fee: AED 78.80
Returned Cheque Fee: AED 315
Temporary Limit Increase Fee: AED 157.50
Liability Certificate: AED 52.50

(All charges from Mashreq IO Schedule of Charges)

Eligibility Criteria

Age: 21–65 years
Residency: Valid UAE residency visa & Emirates ID
Income: AED 5,000–25,000 (card-dependent)
Employment: Salaried with salary transfer to Mashreq or self-employed with audited financials
Credit Profile: Clean AECB report; no defaults

Documents Required

Passport copy with valid UAE visa page
Emirates ID (front and back)
Latest salary certificate or employment contract
Last 3 months’ bank statements
Salary transfer mandate (for payroll cards) or audited business financials
Completed Mashreq credit card application form

Additional Info

Solitaire & Platinum Elite

Cashback: Unlimited flat-rate cashback (2%–3%) on all spends
Welcome Offer: Cashbacks on specified spends within 60 days
Lifestyle Perks: Airport valet; cinema discounts; global lounge access (Metal)
Premium Protections: PayProtect insurance; SmartAssist roadside assistance

Cashback

Unlimited Cashback:33% on government/utility; 1% on retail; 1–5% on partner categories
Welcome Bonus: AED 500 on AED 4,500 spend in 90 days
Redemption Flexibility: Statement credit or vouchers

SmartSaver Series

Category Cashback: Up to 10% in four quarterly categories (e.g., groceries, dining)
Monthly Caps: Up to AED 600 total
Global Variant: Additional travel insurance and lounge access

Smartsaver Titanium

Fuel & Utility Focus: 5% on fuel; 2% on utilities; 1% on others
Cap & Redemption: Monthly caps apply; auto credit

noon Credit Card

noon Ecosystem: 5% on noon; 4% on noon Food; 2% on other online
Welcome Bonus: AED 500 in noon credits on AED 4,000 spend
No Annual Fee: Lifetime free card