The Mashreq Noon Credit Card, issued by Mashreq Bank, is designed for customers who frequently shop on noon.com and partner platforms. It provides up to 5% cashback on selected categories and offers exclusive lifestyle benefits such as free delivery, cinema discounts, and flexible installment plans.
This card is positioned as a practical option for individuals seeking shopping-related rewards without annual fees. It includes a digital-first feature (instant digital card) so cardholders can start using it immediately after approval, while maintaining transparency on costs and requirements.
Key Facts (summary)
- Annual fee: Free for life
- APR (Annual Percentage Rate): 3.85% per month (variable, subject to assessment)
- Minimum income: AED 5,000 (estimated industry standard; confirm with bank)
- Fees note: Minimum monthly payment 5% of statement balance; PayProtect insurance available at 0.99% of balance
الحقائق الأساسية (ملخص)
- الرسوم السنوية: مجانية مدى الحياة
- النسبة المئوية السنوية (APR): %3.85 شهريًا (متغيرة، خاضعة للتقييم)
- الحد الأدنى للدخل: 5,000 درهم (تقدير تقريبي – يرجى التأكيد مع البنك)
- ملاحظات حول الرسوم: الحد الأدنى للدفع 5% من الرصيد الشهري؛ تأمين PayProtect متاح بنسبة %0.99 من الرصيد
Why this card is for you?
This card is well-suited for frequent online shoppers, especially those using noon and its partner services. It offers tiered cashback on retail categories and practical lifestyle perks.
It is also useful for customers who prefer flexibility, such as free-for-life annual fees, easy installment plans, and the option to use the digital card immediately.
Pros and Cons of the Mashreq Noon Credit Card
Pros
- Up to 5% cashback on noon, NowNow, Sivvi, Namshi, and related services
- Free for life, with no annual fee on primary and supplementary cards
- AED 500 welcome bonus for new customers (subject to conditions)
Cons
- Cashback rate reduced to 0.33% on government, utilities, telecom, fuel, and rental payments
- APR of 3.85% per month is relatively high if balances are not paid in full
Mashreq Noon Credit Card: online credit card application
Applications can be made through the Mashreq Bank official website or mobile app. You will need to provide Emirates ID and proof of income. Approval depends on the bank’s credit assessment.
Disclaimer / إخلاء مسؤولية
This content is for informational purposes only and is not issued or endorsed by Mashreq Bank. All terms, rates, and fees are subject to change and regulatory approval. Please refer to the bank’s official website and Key Facts Statement for the most accurate and updated information.
هذا المحتوى لأغراض إعلامية فقط، ولم يتم إصداره أو اعتماده من قبل بنك المشرق. تخضع جميع الشروط والأسعار والرسوم للتغيير والموافقة التنظيمية. يرجى الرجوع إلى الموقع الرسمي للبنك وبيان المعلومات الأساسية للحصول على أدق المعلومات وأحدثها.