Card face-off
ENBD noon One vs Mashreq noon Credit Card: which is better in the UAE? (2026)
Mashreq Bank
Mashreq Noon Credit Card
Both cards co-brand noon and earn noon credits across noon Food, noon.com and noon Minutes. ENBD noon One is built around a high noon Food earn and is free for life, while Mashreq noon offers noon rewards with an accessible entry profile.
ENBD noon One Visa Credit Card vs Mashreq Noon Credit Card compared
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Joining fee | Foreign transaction fee | Min. salary | Why it stands out |
|---|---|---|---|---|---|
 | Free | Free | 3.14% | AED 5,000 | Top noon Food rewards inside the noon ecosystem, free for life. |
| Free | Free | 2.89% | AED 5,000 | noon rewards with an accessible, low-entry profile. |
| Card | Annual fee | Joining fee | Foreign transaction fee | Min. salary | Why it stands out |
|---|---|---|---|---|---|
| Free | Free | 3.14% | AED 5,000 | Top noon Food rewards inside the noon ecosystem, free for life. |
| Free | Free | 2.89% | AED 5,000 | noon rewards with an accessible, low-entry profile. |
ENBD noon One Visa Credit Card
Annual feeFree
Joining feeFree
Foreign transaction fee3.14%
Min. salaryAED 5,000
HighlightTop noon Food rewards inside the noon ecosystem, free for life.
Mashreq Noon Credit Card
Annual feeFree
Joining feeFree
Foreign transaction fee2.89%
Min. salaryAED 5,000
Highlightnoon rewards with an accessible, low-entry profile.
Which card is better for what
Two answers compare ENBD noon One Visa and Mashreq Noon on general everyday spend and spend at these cards' own merchants. Each is priced on a month of its own, because a household that spends heavily on one thing does not spend the same total as one that does not. Within an answer both cards see the identical month.
AED 1,950 of that total sits at Noon Food, NowNow and noon, which is where the co-brand rates apply.
Those months are all AED 8,000 a month, and every answer states the one it was priced on. They are the same curated spend profiles every comparison page uses, so the household behind an answer here is the household behind it anywhere.
Neither card charges an annual fee, and both need a salary of AED 5,000 a month.
Best for general everyday spend: Mashreq Noon
Mashreq Noon returns more across the whole profile — AED 833 a year against AED 624, after each card's annual fee.
Modelled monthly spend
Entertainment, Insurance +2 moreAED 3,100
Telecom, Quasi-Cash +4 moreAED 900
Charity, FuelAED 600
Everything elseAED 3,400
TotalAED 8,000
Annual return
ENBD noon One Visa Credit Card0.65% of the profile, after everything+ AED 624
Mashreq Noon Credit Card0.87% of the profile, after everything+ AED 833
Best inside Noon Food, NowNow and noon: ENBD noon One Visa
With AED 1,950 a month going through Noon Food, NowNow and noon, ENBD noon One Visa ends the year on AED 3,200 against AED 1,799. That is the same month as the general answer above with a quarter of it moved to those merchants.
Same AED 8,000 a month, with AED 1,950 of it at Noon Food, NowNow and noon.
Modelled monthly spend
Noon FoodAED 650
NowNowAED 650
noon / noon Minutes +2 moreAED 650
Entertainment, Insurance +2 moreAED 2,350
Everything elseAED 3,700
TotalAED 8,000
Annual return
ENBD noon One Visa Credit Card3.33% of the profile, after everything+ AED 3,200
Mashreq Noon Credit Card1.87% of the profile, after everything+ AED 1,799
Which card earns more on your spend?
Adjust your monthly spending to see how cashback changes across cards.
Emirates NBD
ENBD noon One Visa Credit Card
noon Credits
Mashreq Bank
Mashreq Noon Credit Card
noon Credits
Noon Food
20%
AED 0
20% · AED 0
Noon Food
5%
AED 0
5% · AED 0
NowNow
10%
AED 0
10% · AED 0
NowNow
5%
AED 0
5% · AED 0
noon / noon Minutes / Namshi / supermall
5%
AED 0
5% · AED 0
noon / noon Minutes / Namshi / supermall
5%
AED 0
5% · AED 0
Charity, Fuel
1%
AED 0
1% · AED 0
Charity, Fuel
0.33%
AED 0
0.33% · AED 0
Entertainment, Insurance +2 more
0.3%
AED 0
0.3% · AED 0
Entertainment, Insurance +2 more
1%
AED 0
1% · AED 0
Telecom, Quasi-Cash +4 more
0.3%
AED 0
0.3% · AED 0
Telecom, Quasi-Cash +4 more
0.33%
AED 0
0.33% · AED 0
Other Spends
1%
AED 0
1% · AED 0
Other Spends
1%
AED 0
1% · AED 0
Reel Cinemas BOGO
—
Reel Cinemas BOGO
—
noon Express free delivery
AED 144
noon Express free delivery
AED 150
Annual Fee
Free
Annual Fee
Free
Total
+ AED 144
Total
+ AED 150
Estimates based on your monthly spending. Actual cashback depends on merchant classification, caps, and card terms.
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The verdict
On an ordinary AED 8,000 month Mashreq Noon comes out ahead by AED 209 a year, AED 833 against AED 624 for ENBD noon One Visa. That is after each card's annual fee and after every cap, which makes it the number to judge them on rather than either advertised rate.
Neither card answers every question. Mashreq Noon answers one: general everyday spend. ENBD noon One Visa answers one: spend at these cards' own merchants. Which of those months looks most like yours is what decides it, so the calculator above is worth a minute with your own figures.
Neither card charges an annual fee on these profiles, so every figure above is kept in full and there is no break-even to clear on either side.
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ENBD noon One Visa Credit Card
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ENBD noon One Visa Credit Card vs Mashreq Noon Credit Card: FAQ
Common questions about choosing between ENBD noon One Visa Credit Card and Mashreq Noon Credit Card.