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SMART SPEND - FZCO, License No. 68272, Legal address: Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, United Arab Emirates

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Kredit publishes independent editorial content and card comparisons to help users evaluate credit card options. We may earn a commission when users click certain links, submit an application, are approved, or open an account with partner institutions. Compensation may affect how and where products appear on the site. We do not cover every available card, and our editorial analysis is produced independently and is not reviewed, approved, or influenced by card issuers, banks, or partners before or after publication.

Kredit is a product of SMART SPEND - FZCO, a licensed entity under the International Free Zone Authority (IFZA), UAE

Copyright © 2026 All Rights Reserved.

Kredit

Privacy PolicyTerms of Service
AboutUnlock my cardsOffersBanksCalculatorsAccountsPick me a cardChatGPT AppSecure Collect

Please send feedback and feature requests to team@kredit.ae

For partnerships please reach out to partner@kredit.ae

SMART SPEND - FZCO, License No. 68272, Legal address: Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, United Arab Emirates

All third-party trademarks, logos, and brand names displayed on this website are the property of their respective owners. They are used for identification and informational purposes only, and their use does not imply affiliation with, endorsement by, or sponsorship from any trademark owner. If you are a trademark owner with concerns, please contact us and we will address them promptly.

Kredit publishes independent editorial content and card comparisons to help users evaluate credit card options. We may earn a commission when users click certain links, submit an application, are approved, or open an account with partner institutions. Compensation may affect how and where products appear on the site. We do not cover every available card, and our editorial analysis is produced independently and is not reviewed, approved, or influenced by card issuers, banks, or partners before or after publication.

Kredit is a product of SMART SPEND - FZCO, a licensed entity under the International Free Zone Authority (IFZA), UAE

Copyright © 2026 All Rights Reserved.

Kredit

Privacy PolicyTerms of Service

Get notified about UAE latest credit card products

Get notified about UAE latest credit card products

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Mashreq Platinum Elite Credit Card

Joining Fee

Free

Annual Fee

AED 682.5

Minimum Salary

AED 7,000

Mashreq Platinum Elite Credit Card

Visa Platinum card with 8 complimentary Fitness First visits monthly, lounge access, and up to 5 Mashreq Vantage Points per AED abroad. Also includes an AED 1,500 welcome bonus.

Apply nowApply for Mashreq Platinum Elite Credit Card credit cardWebsiteVisit Mashreq Platinum Elite Credit Card credit card website

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 7,000+

    Salary credited to a UAE bank account, with a valid Emirates ID and residence visa. Mashreq Platinum Elite Credit Card expects AED 7,000+ 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

AED 1,500 Welcome Bonus

AED 1,500 cashback for new customers.

Bonus credited upon spending AED 6,000 within the first two months of card issuance.

Rewards

5Mashreq Vantage Points

per AED on international spends.

Earn 5 Mashreq Vantage Points per AED spent outside the UAE.

See full breakdown

3Mashreq Vantage Points

per AED on dining and supermarkets.

Earn 3 Mashreq Vantage Points per AED on dining and supermarket transactions in the UAE.

See full breakdown

1Mashreq Vantage Points

per AED on all other local spends.

Earn 1 Mashreq Vantage Point per AED on all other purchases in the UAE.

See full breakdown

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.

See all
Citi Cashback Credit Card Design

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

ExploreLearn more about Citi Cashback Credit Card credit card benefits and featuresApplyApply for Citi Cashback Credit Card credit card
Citi Prestige Credit Card Design

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

ExploreLearn more about Citi Prestige Credit Card credit card benefits and featuresApplyApply for Citi Prestige Credit Card credit card
Citi Ultima Credit Card Design

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

ExploreLearn more about Citi Ultima Credit Card credit card benefits and featuresApplyApply for Citi Ultima Credit Card credit card

Offers

See all 272
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

Fitness First Access

Up to 8 complimentary visits per month to Fitness First clubs across the UAE.

Airport Lounge Access

Complimentary airport lounge visits at participating lounges.

Visa Platinum Lounge Programme: complimentary access at participating airport lounges.

Airport Transfers

Complimentary airport transfers in the UAE.

Dining Offers

Unlimited dining discounts through DragonFly & Dine Programme.

Join the app for exclusive deals.

See full breakdown

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 breakdown

Easy Plan Instalments

Buy now, pay later with Easy Plan instalments.

Eligibility

21

Minimum Age

7,000AED

Minimum Income

Fees

Free

Joining Fee

682.5AED

Annual Fee

78.8AED

Card Replacement Fee

Annual Percentage Rate46.2%
Late Payment FeeAED 241.5
FX Transaction Fee2.89%

Important Stuff

Welcome Offer Terms & Conditions

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Mashreq Vantage Programme

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General Terms & Conditions

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Key Facts Statement

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