Where can I use the noon Credits?

Mashreq credits them to your noon Pay wallet, where they can be used under noon's current redemption rules.

Is there a minimum balance?

No. Mashreq's current key facts statement lists no total daily balance requirement for the noon Savings Account.

How much cashback does the Mashreq noon Debit Card earn?

The July 2026 account terms award 2% in noon Credits at noon.com, NowNow and Sivvi, and 0.10% on other eligible debit-card purchases.

What income do I need?

Mashreq publishes a minimum monthly income of AED 5,000 for the noon Savings Account and requires applicants to be at least 18.

The linked debit card has no joining or annual fee, and the current account key facts statement lists no fall-below balance charge for this account.

Is this a credit card?

No. It is a Visa debit card linked to the noon Savings Account, so purchases use money in your account rather than a revolving credit limit.

Mashreq noon Debit Card Benefits | From AED 5,000

At a glance

Fees and eligibility

Joining FeeFree

Annual FeeFree

Minimum SalaryAED 5,000

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Top benefits

No Balance Requirement

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Rewards

Category	Earn	Rate
noon / noon Minutes / Namshi / supermall, NowNow, Sivvi	0.02 credits per AED	2% 0.02 credits per AED
All other spend	0.001 credits per AED	0.1% 0.001 credits per AED

Category	Earn	Rate
noon / noon Minutes / Namshi / supermall, NowNow, Sivvi	0.02 credits per AED	2% 0.02 credits per AED
All other spend	0.001 credits per AED	0.1% 0.001 credits per AED

See all rewards

Rewards

2%

in noon Credits at noon.com, NowNow and Sivvi

0.10%

in noon Credits on other eligible debit-card purchases

Rewards Calculator

Offers

See all 275

Lifestyle

Merchant

Cinepolis cinemas

Enjoy 50% off at Cinepolis cinemas

Valid until 31 Dec 2026

View offer

Lifestyle

Merchant

I SMILE DENTAL CENTER LLC

0% Easy Payment Plans available for 3, 6, 9 and 12 months

Valid until 3 Jan 2099

View offer

Lifestyle

Merchant

Emirates Skywards

Redeem for Skywards Miles

Valid until 2 Jul 2099

View offer

Lifestyle

Merchant

Etihad Guest Miles

Redeem for Guest Miles

Valid until 2 Jul 2099

View offer

Additional Benefits

No Balance Requirement

No minimum monthly balance or fall-below fee

Fees

Free

Joining fee

Free

Annual fee

Free

Monthly Account Fee

Fall-Below FeeFree*

*The noon Savings Account has no minimum-balance requirement.

Card ReplacementAED 26.25

International Fee — non-AED2.5%*

*Mashreq's 2.50% currency-conversion spread applies in addition to the Visa or Mastercard processing fee of approximately 1.15%.

AED-Abroad Transaction Fee1.25%*

*Mashreq's 1.25% spread applies to AED transactions processed outside the UAE, in addition to the network processing fee of approximately 1.15%.

Mashreq ATM WithdrawalFree

Other UAE ATM WithdrawalAED 2.1

GCC ATM WithdrawalAED 6.3

International ATM WithdrawalAED 21

Sales Slip RetrievalAED 26.25

Important Stuff

Mashreq Unified Accounts Key Facts Statement

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Mashreq Account Terms and Conditions

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Mashreq NEO Service Charges

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noon Savings Account

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Mashreq noon Debit Card