Al Masraf Platinum Credit Card

You earn 0.735 Al Masraf Points per US$ 1 spent on both local and international transactions, with no maximum cap, equivalent to approximately 1% cashback.

4 complimentary visits per year via the Mastercard Travel Pass app, activated after a minimum of US$ 1 in international spend.

A minimum monthly salary of AED 10,000 is required.

Yes, a Summer 2026 campaign (10 Jun to 10 Sep 2026) gives 10% cashback on international spend, capped at AED 1,000 per customer. You need to spend at least US$ 2,000 internationally during the campaign period to qualify, and the cashback lands within 30-45 days after the campaign ends. It's open to both new and existing Al Masraf cardholders.

Retail purchases and cash advances both accrue interest of up to 3% per month (up to 36% per annum) on any unpaid balance. Cash advances also cost up to 3% of the withdrawn amount, minimum AED 105, with a cash advance limit up to 75% of your credit limit. International transactions add up to 2.75% on top of Mastercard's roughly 1.15% network processing fee. Late payment is AED 241.50 and going over your limit is AED 262.50.

Yes, you can add up to 9 supplementary cardholders. The supplementary card fee is listed as AED 0 in the fee schedule, so none of them carry an additional annual fee on top of your own.