Aura by Alshaya Group
Aura is the loyalty programme of Alshaya Group, the franchise operator behind H&M, American Eagle, Victoria's Secret, Bath & Body Works, Boots, Shake Shack, The Cheesecake Factory and Starbucks in the UAE. Members earn Aura Points at the till and spend them back at the same brands.
Mashreq issues three Aura credit cards on Mastercard: Aura, Aura World and Aura World Elite. Each pays cashback as Aura Points on every eligible spend, at its highest rate inside Alshaya's own brands, plus an instant discount at the counter.
How Aura works
Aura Points are Alshaya's points currency, spent back at participating brands. The Mashreq Aura cards pay a percentage of spend as Aura Points. At participating Aura brands the card pays 4%, 6% or 8% depending on the card, and Aura adds tier cashback on top: 3% for Star and 4% for VIP members, and 2% for Hello members on the Aura card. Domestic grocery earns 3%, 4% or 5%, other spend 0.75%, 1% or 1.25%, and government, utilities, education, charity, fuel, rental, telecom and transport 0.25%.
Points earned outside Alshaya still only spend at Aura brands, so the cards suit a household that already shops there.
Participating Aura brands
Where Aura cards earn their top rate and where the points can be spent, as of 30 September 2026. Issuer list
Fashion, home and kids
- & Other Stories
- Aerie
- American Eagle
- Asha's (Abu Dhabi)
- Claire's
- COS
- Disney Store
- Foot Locker
- H&M
- H&M Home
- Mothercare
- Muji
- Next
- Victoria's Secret
Beauty
- Bath & Body Works
- Boots
- Charlotte Tilbury
- Dr. Vranjes
- Jo Malone
- Le Labo
- M.A.C
- NYX Professional Makeup
- Ulta Beauty
Dining
- Chipotle
- Le Pain Quotidien
- P.F. Chang's
- Pinkberry
- Princi
- Raising Cane's
- Shake Shack
- Texas Roadhouse
- The Cheesecake Factory
Coffee
- Starbucks
Starbucks earns the card rate only, with no Aura tier cashback.
Earn only
- Alo
- Primark
Card and tier cashback apply, but the card's instant discount does not.
What your Aura balance is worth
What your points are worth
Program
Aura Points
1,000AED
50,000 points via Aura Brand Purchases
Redeem against purchases at participating Alshaya Aura brands only; points expire 12 months after accrual
Based on the issuer’s published redemption rate; catalogue pricing and availability can still vary.
Redeem Aura Points at participating Aura brands; the Aura app shows the balance. Points have no cash value, cannot be moved to another programme, and expire 12 months after they are credited. Card cashback reaches the Aura account within 7 working days of the transaction posting.
Why Aura cards are worth it
1.
Earn where you already shop
The cards pay their top rate across Alshaya's fashion, beauty and dining brands, from H&M and Bath & Body Works to Shake Shack, so one card covers a household's Alshaya spend.
2.
A discount and points on the same purchase
Each card takes an instant discount off full-priced items at the counter and still earns Aura Points on what you pay.
3.
Grocery counts too
Supermarket spend in the UAE earns 3% to 5% as Aura Points, which covers the largest monthly bill most families have.
Aura credit cards
MASHREQ BANK
Mashreq Aura Credit Card
- Salary: AED 5,000+
- Annual Fee: Free
- 4% at Aura brands
- 3% on grocery
- AED 500 Welcome Bonus
MASHREQ BANK
Mashreq Aura World Credit Card
- Salary: AED 10,000+
- Annual Fee: AED 525
- 6% at Aura brands
- 4% on grocery
- AED 1,000 Welcome Bonus
MASHREQ BANK
Mashreq Aura World Elite Credit Card
- Salary: AED 25,000+
- Annual Fee: AED 1,575
- 8% at Aura brands
- 5% on grocery
- AED 2,500 Welcome Bonus
Aura by Alshaya Group — FAQ
Get answers to common questions about credit cards, applications, and managing your finances in the UAE