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 Elite Credit Card
Al Masraf's flagship Mastercard, earning Al Masraf Points on every spend with no cap, plus 14 airport lounge visits a year and a 24/7 concierge.
Updated Jul 2026
≈ AED 1,073 value / year · incl. perks
Welcome offer
Annual fee waived for life
No annual fee from year two onwards with AED 10,000+ average monthly spend.
The first-year annual fee is waived on issuance. From the second year, the annual fee is waived for life provided the cardholder maintains an average monthly spend of AED 10,000 or more; otherwise up to AED 787.50 per annum applies.
See full breakdown10% 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
Eligibility
18
Minimum Age
50,000AED
Minimum Income
UAE Nationals, Residents and Non-Residents
Emirates ID required at application
Documents ready
Emirates ID + passport with residence visa
Have your Emirates ID and passport with residence visa on hand — UAE banks require these for any credit card application.
Check your AECB report
Recent rejections or missed payments can stall approval
A recent credit-card rejection or missed payment on your AECB report is one of the most common reasons a UAE card application stalls — worth checking your report before applying if you're unsure.
August Spotlight
Emirates NBD
Three Emirates NBD credit cards spanning everyday rewards to premium travel — the ENBD noon One Visa Card earns up to 20% back as noon Credits on noon Food with no annual fee, the ENBD Voyager World Credit Card earns 6 Voyager Miles per AED 1 on the Voyager Travel Portal with complimentary airport lounge access, and the premium ENBD Voyager World Elite doubles that to 12 Voyager Miles per AED 1 with added airport transfers and fast-track privileges.
EMIRATES NBD
ENBD noon One Visa Credit Card
Salary: AED 5,000+
No Annual Fee
Welcome Bonus: AED 500 when you spend AED 5,000 in the first two months
Get 20% back as noon credits when you spend on noon food
Get 5% back as noon credits when you spend on noon
EMIRATES NBD
ENBD Voyager World Credit Card
Salary: AED 12,000+
75,000 Miles after AED 35,000 spend
No Annual Fee
6 Voyager Miles on every AED spent on Voyager Travel Portal
3 Voyager Miles on every AED spent on other travel bookings
EMIRATES NBD
ENBD Voyager World Elite Credit Card
Salary: AED 25,000+
150,000 Miles after AED 70,000 spend
No Annual Fee for the first year
12 Voyager Miles on every AED spent on Voyager Travel Portal
6 Voyager Miles on every AED spent on other travel bookings
Additional Benefits
Airport Lounge Access
14 complimentary visits per year at 1,200+ airport lounges worldwide.
14 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 Rides
4 complimentary Careem airport rides per year.
4 complimentary Careem rides to/from the airport per year.
Fast Track Airport Service
3 complimentary fast-track airport services per year.
3 complimentary fast-track immigration/security services per year at participating airports.
Global Lifestyle Concierge
24/7 concierge service for travel, dining and lifestyle requests.
Complimentary 24/7 Global Lifestyle Concierge service for travel bookings, dining reservations and lifestyle assistance.
Travel Insurance
Travel medical cover up to US$ 500,000, plus collision damage and baggage cover.
Complimentary travel insurance including medical cover up to US$ 500,000, collision damage waiver up to US$ 50,000, and baggage loss/damage cover up to US$ 3,000.
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.
Talabat, Trip.com, Shahid & Costa Offers
20% off Talabat orders, up to 20% off Trip.com, 50% off Shahid VIP, plus a Costa Coffee benefit at Dubai airports.
20% off one Talabat food or grocery delivery order per month, up to 20% off flight and hotel bookings via Trip.com, 50% off a Shahid VIP monthly package, and a complimentary Costa Coffee benefit at Dubai International Airport.
Global Data Roaming
1GB of complimentary global data roaming, 3 times a year.
1GB of complimentary international data roaming, redeemable up to 3 times per year.
Fees
Free
Joining Fee
First year annual fee waived
787.5AED
Annual Fee
Free for life with AED 10,000+ average monthly spend
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 Elite Credit Card credit card
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