The Mashreq Cashback Credit Card, issued by Mashreq Bank, offers cashback on daily spending categories such as dining, local purchases, and international transactions. It also includes a generous welcome bonus and selected lifestyle perks.
This card is suitable for individuals seeking a simple cashback structure, with no annual fees and instant digital card availability. It balances shopping rewards with transparency on repayment and protection features.
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
- Fees note: Minimum payment 5% of billed balance; PayProtect insurance 0.99% (free for first 2 months, optional thereafter)
الحقائق الأساسية (ملخص)
- الرسوم السنوية: مجانية مدى الحياة
- النسبة المئوية السنوية (APR): %3.85 شهريًا (متغيرة، خاضعة للتقييم)
- الحد الأدنى للدخل: 5,000 درهم
- ملاحظات حول الرسوم: الحد الأدنى للدفع 5% من الرصيد؛ تأمين PayProtect بنسبة %0.99 (مجانًا لأول شهرين، اختياري بعد ذلك)
Why this card is for you?
This card is designed for those who spend regularly on dining and everyday purchases, both in the UAE and abroad. It combines cashback on key categories with practical lifestyle benefits.
It is also suitable for individuals who value transparency, free-for-life usage, and the convenience of instant digital card activation.
Pros and Cons of the Mashreq Cashback Credit Card
Pros
- Up to 5% cashback on dining (local and international)
- 20% cashback at selected partners (Careem, Netflix, Talabat, noon and others) for first 4 months (capped at AED 50 per merchant per month)
- AED 500 welcome bonus for new customers (AED 100 for existing customers)
Cons
- Reduced cashback of 0.33% on government, utilities, telecom, fuel, rental, and charity spends
- Cashback not applicable on bill payments through Mashreq Online or Mobile App
Mashreq Cashback Credit Card: online credit card application
Applications are available via the Mashreq official website or mobile app. Emirates ID and proof of income are required. Final approval is subject to Mashreq Bank’s credit review.
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.