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.
Al Masraf World Credit Card
A mid-tier Mastercard earning Al Masraf Points on every spend with no cap, with 8 airport lounge visits a year and travel insurance built in.
Is this card right for you?
A quick check before you apply — the more boxes you tick, the smoother the approval.
UAE resident with a salary of AED 25,000+
Salary credited to a UAE bank account, with a valid Emirates ID and residence visa. Al Masraf World Credit Card expects AED 25,000+ monthly income.
Documents ready
Emirates ID and passport with residence visa on hand. For salaried applicants at listed employers, income is usually verified automatically during the application.
Clean recent credit record
No credit-card rejection in the last 6 months and no missed payments on your AECB report — a recent decline or arrears is the top reason a UAE card application stalls.
Welcome offer
10% cashback on international spend
10% cashback on international spends, up to AED 1,000, with a minimum of US$ 2,000 international spend.
Limited time · valid till 10 Sep 2026Summer 2026 campaign (10 June – 10 September 2026), open to existing and new Al Masraf credit cardholders. Requires a minimum of US$ 2,000 in international spend during the campaign period. Maximum cashback of AED 1,000 per customer, credited to the card within 30–45 days after the campaign ends, subject to validation.
See full breakdownRewards
1%
on all local and international spends, with no maximum cap.
Earn 0.735 Al Masraf Points per US$ 1 spent, on both local and international transactions, with no maximum cap. Points are credited to the Al Masraf Points loyalty programme.
Rewards Calculator
July Spotlight
Citibank
Three Citibank credit cards spanning everyday value to ultra-premium — the Citi Cashback card earns 3% back on international spend and 2% on groceries with no fee in the first year, the Citi Prestige adds unlimited airport lounge access and a complimentary fourth hotel night, and the invitation-only Citi Ultima carries Citi's top-tier travel and concierge privileges.
CITIBANK
Citi Cashback Credit Card
Salary: AED 8,000+
No Annual Fee for the first year
3% Cashback on non-AED spends
2% Cashback on grocery/supermarket spends
1% Cashback on all other spend
CITIBANK
Citi Prestige Credit Card
Salary: AED 30,000+
Annual Fee: AED 1,500
10,000 bonus points annually post payment of annual fee
3 Points on non-AED spends
2 Points on local spends
CITIBANK
Citi Ultima Credit Card
Salary: AED 36,750
Annual Fee: AED 3,000
30,000 bonus miles annually post payment of annual fee
5 Miles on non-AED spends
2.5 Miles on AED spends
Additional Benefits
Airport Lounge Access
8 complimentary visits per year at 1,200+ airport lounges worldwide.
8 complimentary visits per year via the Mastercard Travel Pass app, requiring a minimum of US$ 1 in international spend to activate.
See full breakdownCareem Airport Ride
1 complimentary Careem airport ride per year.
1 complimentary Careem ride to/from the airport per year.
Travel Insurance
Baggage cover up to US$ 3,000, trip cancellation up to US$ 7,500, and travel medical cover up to US$ 500,000.
Complimentary travel insurance including baggage loss/damage cover up to US$ 3,000, trip cancellation cover up to US$ 7,500, and travel medical cover up to US$ 500,000.
Priceless Specials
2-for-1 dining and activity offers across the Middle East.
Buy-one-get-one offers at fine-dining restaurants and activities across the Middle East via Mastercard Priceless Specials.
Global Data Roaming
1GB of complimentary global data roaming per year.
1GB of complimentary international data roaming per year.
Supplementary Cards
Up to 9 supplementary cards, free of annual fee.
Add up to 9 supplementary cardholders at no additional annual fee.
Eligibility
18
Minimum Age
25,000AED
Minimum Income
UAE Nationals, Residents and Non-Residents
Emirates ID required at application
Fees
525AED
Joining Fee
525AED
Annual Fee
Free
Supplementary Card
Retail Interest Rate3%*
*Up to 3% per month (up to 36% per annum) on the unpaid balance
Cash Advance Interest Rate3%*
*Up to 3% per month (up to 36% per annum)
Cash Advance Fee3%*
*Up to 3% of each withdrawn amount, minimum AED 105. Cash advance limit up to 75% of the credit limit
Over Limit FeeAED 262.5
Late Payment FeeAED 241.5
Card ReplacementAED 78.75
Cheque ReturnAED 210
Temporary Limit IncreaseAED 157.5
Additional Statement CopyAED 47.25
Sales Slip CopyAED 68.25*
*Charged if the request is due to customer error
International Transaction Fee2.75%*
*Up to 2.75%, charged in addition to the approximate 1.15% Mastercard network processing fee and any acquirer mark-up
International DeliveryAED 210
Frequently Asked Questions
Get answers to common questions about Al Masraf World Credit Card credit card
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