Mashreq Solitaire Credit Card

Yes. Joining is free, but the annual fee is AED 1,575. Other listed charges include an AED 78.80 card replacement fee, an AED 241.50 late payment fee, a 2.89% foreign-currency spread, and an annual retail interest rate of 46.2%.

Applicants without an existing Mashreq credit card can earn AED 2,500 after AED 9,000 of eligible spend in the first two months; recent cardholders can earn AED 500 on the same spend. The bonus is credited by the end of the third month.

Bill payments via Mashreq Online Banking or the Mashreq App do not earn points. Eligible card purchases earn 6 points per AED in foreign currency, 4 on local airlines, hotels and travel, 2 on other local spend, and 0.5 on local government, fuel, education, utilities, telecom, rent and charity under the current KFS.

It is a Visa Infinite card with an AED 1,575 annual fee and AED 25,000 minimum salary. Fitness First visits and two valet uses per billing cycle require AED 10,000 of eligible spend in the prior billing cycle. One international transaction above USD 1 unlocks 12 lounge visits per calendar year; otherwise two visits are available.

Applicants must be at least 21 years old and earn a minimum monthly salary of AED 25,000. No minimum credit limit condition is listed for this card beyond those two requirements.

The card includes Mashreq's Everyday Cashback (Visa card-linked offers), giving up to 20% automated cashback at hundreds of participating merchants in the UAE and abroad, tracked via the Mashreq app. It also gives 30% off General Admission at IMG Worlds of Adventure (kids under 1.05m enter free), unlimited dining discounts via the DragonFly & Dine Programme, and Easy Plan Instalments for spreading out purchases.