Mashreq Cashback Credit Card
Unlimited cashback on every spend with no annual fees and free for life. Includes exclusive offers, dining rewards, and a welcome bonus for new customers.
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 5,000+
Salary credited to a UAE bank account, with a valid Emirates ID and residence visa. Mashreq Cashback Credit Card expects AED 5,000+ monthly income.
Documents ready
Emirates ID, passport with residence visa, and a recent salary certificate or 3-month bank statement on hand — the standard pack asked for at submission.
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
Welcome Bonus
AED 500 cashback for new customers, AED 100 for existing customers.
Bonus credited upon spending AED 5,000 within the first two months of card issuance.
Additional Cashback
20% cashback on Zomato, Netflix, and more for the first six months.
Maximum cashback of AED 50 per merchant per month.
Rewards
5%
on dining spends
Earn 5% cashback on all dining transactions, including restaurants and food delivery services, both locally and internationally, with no monthly or annual caps.
1%
on international transactions
Get 1% cashback on all international (non-AED) purchases with no caps.
0.33%
on essential services
Earn 0.33% cashback on government payments, utilities, education, charity, fuel, rental and telecom bills.
1%
on all other spends
Earn 1% unlimited cashback on all other local purchases.
Rewards Calculator
July Spotlight
Emirates NBD
Two free-for-life Emirates NBD credit cards built for everyday UAE spending — the noon One Visa pays up to 20% back as noon Credits on noon Food, and the Share Platinum earns Share Points across grocery, dining, and online retail.
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 SHARE Platinum Credit Card
Salary: AED 5,000+
No Annual Fee
4% cashback with Al Futtaim brands
0.75% cashback on other spends
Buy 1 get 1 movie ticket at VOX Cinemas
Additional Benefits
Dining Offers
Unlimited dining discounts through DragonFly & Dine Programme.
Join the app for exclusive deals.
See full breakdownTravel Offers
Discover exclusive travel offers and discounts.
30% off at IMG Worlds of Adventure
30% off General Admission at the world's largest indoor theme park.
Redeemable multiple times at the ticket counter when paying with a Mashreq card. Kids under 1.05m enter free.
See full breakdownEasy Plan Instalments
Buy now, pay later with Easy Plan instalments.
Eligibility
21
Minimum Age
5,000AED
Minimum Income
Fees
Free
Joining Fee
Free
Annual Fee
Free
Supplementary Card Fee
Card Replacement FeeAED 78.8
Annual Percentage Rate46.2%
Minimum Monthly RepaymentAED 100*
*AED 100 or 5% of the outstanding balance whichever is higher
Over Limit FeeAED 303.45
Cash Advance FeeAED 210
Late Payment FeeAED 241.5
Foreign Currency Transaction Fee2.89%
International Transaction Fee2.89%
Pay Protect Insurance1.04%*
*1.04% of your monthly statement balance (+ VAT)
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5% cashback on groceries
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SHARJAH ISLAMIC BANK
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Salary: AED 8,000+
No Annual Fee for the First Year
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Salary: AED 5,000+
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5% Cashback on groceries, dining and fuel
0.50% Cashback on international and domestic retail spends
Instant Cashback Redemption
Other credit cards from this bank
MASHREQ BANK
Mashreq Solitaire Credit Card
Salary: AED 25,000+
Annual Fee AED 1,500 +5% VAT
Welcome Bonus: AED 2,500
6 points per AED on international purchases
Unlimited Fitness First Visits
MASHREQ BANK
Mashreq Platinum Elite Credit Card
Salary: AED 7,000+
Annual Fee AED 650 + 5% VAT
Welcome Bonus: AED 1,500
8 complimentary Fitness First visits/month
5 points/AED intl, 3 points/dining, 1 point/local
MASHREQ BANK
Mashreq Noon Credit Card
No Annual Fee
Welcome Bonus: AED 500
Free Delivery on Noon Express
Up to 5% cashback on noon purchases
Instant Digital Card
MASHREQ BANK
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Salary: AED 200,000+
Invitation Only
Annual Fee: AED 5,250
Welcome Offer: 3 million Vantage points
5 Vantage points on every spend
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