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.
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 50,000+
Salary credited to a UAE bank account, with a valid Emirates ID and residence visa. Al Masraf World Elite Credit Card expects AED 50,000+ 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
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
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
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.
Eligibility
18
Minimum Age
50,000AED
Minimum Income
UAE Nationals, Residents and Non-Residents
Emirates ID required at application
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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