NEO Salary Transfer Account
Up to AED 4,000 with early salary transfer
Published salary minimum: AED 5,000
Account source reviewed 2026-10-22.
Mashreq UAE Credit Cards and Bank Accounts
Explore 4 current card products and 2 accounts in our source-reviewed catalogue. Issuer approval, relationship requirements and current campaign terms apply. No bank pays for its position here.
Mashreq accounts and salary options
NEO PLUS Saver Account
Up to 6.25% p.a. with salary transfer
Published salary minimum: AED 10,000
Account source reviewed 2026-10-18.
All values in AED No paid rankings Conventional & Islamic Terms snapshot 18 Oct · catalogue reviewed 19 Oct 2026
THE UAE REWARDS DIRECTORY
UAE Credit Card Comparison
47 current cards · 13 banksSource-reviewed catalogue. Dated promotions expire automatically; bank changes require a fresh source check.
WELCOME OFFERAED 500 welcome cashbackNo stated deadline
Conventional banking
MashreqFREE FOR LIFE
Mashreq Cashback Credit Card
Dirham Score 2.9/5100% data coverage · editorial methodHow this score works
- + Published free-for-life annual fee
- + Published cinema benefit
- + Reward limitations disclosed
- − Merchant and eligibility conditions apply
- − Bank FX charge 2.89%; scheme charges may apply
Annual fee Free for life
ESTIMATED FIRST-YEAR VALUE
AED 2,063
View breakdown
Regular welcome+ AED 500
Promotional booster+ AED 0
Annual rewards+ AED 1,563
Fee waiver+ AED 0
Joining-fee refund+ AED 0
Annual fee− AED 0
Actual modelled netAED 2,063
Calculation assumptionsRewards, fees & important conditions
Read the full Mashreq Cashback Credit Card review and fee maths
50% off up to eight Deluxe-Plus Cinepolis tickets monthly at Oasis Mall, Sharjah through 31 December 2026. Website/app only; mobile wallets excluded. Separate from the paid-card VOX/Reel/Novo offer. · No complimentary access verified
Monthly interest rate: 3.85%. Bank FX charge: 2.89%.
AED 500 for eligible new credit customers after AED 5,000 within the bank's first two months. Existing-customer credit is AED 100. Amount/window must match digital application;60days in forecast is approximate.
September 2026 KFS publishes 46.20% annual retail interest; the published monthly example is 3.85%. Actual assigned rate appears on your statement. Bank FX spread is 2.89%, plus Visa/Mastercard charges; KFS labels FX VAT not applicable.
Welcome qualification uses the bank's first two months after issuance. The calculator uses a 60-day spend projection as an approximation; confirm the actual deadline during digital application.
Welcome amounts are standard new-credit-customer incentives. A Mashreq card held or cancelled in the previous six months makes you an existing customer. Do not count the same credit-card reward again as an Early Bird extra.
No spend minimum for regular cashback. Domestic selected services earn 0.15%, dining earns 5%, other eligible retail earns 1%. Bank-channel bills are excluded. Redemption minimum AED 100; 36-month expiry and 12-month inactivity forfeiture apply.
The introductory 20% merchant offer lasts the first four months, capped at AED 50 per merchant per month. Selected direct merchants only; Apple Pay, Google Pay and bank-channel payments excluded. Not assumed in forecast.
Official bank source · checked 2026-10-1820% merchant introductory offer
Official bank card artwork; designs may change. WebP copy resized without cropping or changing the depicted card. Image source
Published welcome offer
AED 500 welcome cashbackStandard new-credit-customer acquisition credit; no stated application deadline.
No stated deadline
- Eligible new Mashreq credit-card customer; a Mashreq card held in the previous six months makes you an existing customer.
- Spend AED 5,000 within the first two months after card issuance; bank terms control the calendar deadline.
- Final welcome amount/threshold must match digital application; replacement,renewal,upgrade do not qualify.
Counted once in regular welcome value when qualifying conditions are met.
Official offer termsWELCOME OFFERAED 750 new-customer welcome cashbackNo stated deadline
Conventional banking
MashreqBANK-SOURCED
Platinum Plus Credit Card
Dirham Score 3.4/5100% data coverage · editorial methodHow this score works
- + Mashreq Vantage rewards
- + Published airport lounge benefit
- + Reward limitations disclosed
- − Reward estimate has stated exclusions
- − Bank FX charge 2.89%; scheme charges may apply
Annual fee AED 313.95
ESTIMATED FIRST-YEAR VALUE
AED 2,212
Partial estimate · see detailsView breakdown
Regular welcome+ AED 750
Promotional booster+ AED 0
Annual rewards+ AED 1,776.32
Fee waiver+ AED 0
Joining-fee refund+ AED 0
Annual fee− AED 313.95
Actual modelled netAED 2,212.37
Verified cash redemption: 380 Mashreq Vantage points = AED 1 via Mashreq Mobile App. Vouchers and miles have different conversion values. Bill payments through Mashreq app/online do not earn. Merchant-specific perks are excluded.
Calculation assumptionsRewards, fees & important conditions
Read the full Platinum Plus Credit Card review and fee maths
10 Vantage points per AED on supermarket, fuel and dining; 2 on general retail and 0.5 on selected services.
50% off four tickets per billing cycle pooled across VOX, Reel and Novo via their websites/apps. Separate Cinepolis promotion: 50% off up to eight Deluxe-Plus tickets monthly at Oasis Mall, Sharjah through 31 December 2026. · Four complimentary lounge visits annually via LoungeKey, maximum two services per billing cycle after AED 7,000 retail purchases in the previous cycle. AED 110 per person per visit if the spend condition fails. Guest entitlement needs bank confirmation.
Monthly interest rate: 3.85%. Bank FX charge: 2.89%.
AED 750 for eligible new credit customers after AED 5,000 within the bank's first two months. Existing-customer credit is AED 200. Amount/window must match digital application;60days in forecast is approximate.
Verified cash redemption: 380 Mashreq Vantage points = AED 1 via Mashreq Mobile App. Vouchers and miles have different conversion values. Bill payments through Mashreq app/online do not earn. Merchant-specific perks are excluded.
September 2026 KFS publishes 46.20% annual retail interest; the published monthly example is 3.85%. Actual assigned rate appears on your statement. Bank FX spread is 2.89%, plus Visa/Mastercard charges; KFS labels FX VAT not applicable.
Welcome qualification uses the bank's first two months after issuance. The calculator uses a 60-day spend projection as an approximation; confirm the actual deadline during digital application.
Welcome amounts are standard new-credit-customer incentives. A Mashreq card held or cancelled in the previous six months makes you an existing customer. Do not count the same credit-card reward again as an Early Bird extra.
Current redemption table, effective 13 June 2026: 380 points = AED 1 cashback; 288 points = AED 1 noon gift card; 303 points = AED 1 Amazon/POS value; 32 points = 1 Skywards mile; 22 points = 1 Etihad Guest mile; 17 points = 1 Avios. Cash redemption is the model benchmark.
10 Vantage points per AED on supermarket, fuel and dining applies to domestic transactions. International transactions earn 2 points per AED, including foreign category spending.
Official bank source · checked 2026-10-18Current Vantage earning/redemption
Transparent hero artwork with a tilted silver card and substantial padding; Platinum Plus and VISA labels are visible. Image filename says 780x350; decoded dimensions are 780x530. WebP copy resized without cropping or changing the depicted card. Image source
Published welcome offer
AED 750 new-customer welcome cashbackStandard acquisition offer with no stated application deadline.
No stated deadline
- Eligible new Mashreq credit-card customer; a Mashreq card held in the previous six months makes you an existing customer.
- Spend AED 5,000 within the first two months after card issuance; bank terms control the calendar deadline.
- Final welcome amount/threshold must match digital application; replacement,renewal,upgrade do not qualify.
Counted once in regular welcome value when qualifying conditions are met.
Official offer termsWELCOME OFFERAED 2,500 new-customer welcome cashbackNo stated deadline
Conventional banking
MashreqBANK-SOURCED
Solitaire Credit Card
Dirham Score 2.8/5100% data coverage · editorial methodHow this score works
- + Mashreq Vantage rewards
- + Published airport lounge benefit
- + Published golf privilege
- − Reward estimate has stated exclusions
- − Bank FX charge 2.89%; scheme charges may apply
Annual fee AED 1,575
ESTIMATED FIRST-YEAR VALUE
AED 1,509
Partial estimate · see detailsView breakdown
Regular welcome+ AED 2,500
Promotional booster+ AED 0
Annual rewards+ AED 584.21
Fee waiver+ AED 0
Joining-fee refund+ AED 0
Annual fee− AED 1,575
Actual modelled netAED 1,509.21
Verified cash redemption: 380 Mashreq Vantage points = AED 1 via Mashreq Mobile App. Vouchers and miles have different conversion values. Bill payments through Mashreq app/online do not earn. Merchant-specific perks are excluded.
Calculation assumptionsRewards, fees & important conditions
Read the full Solitaire Credit Card review and fee maths
Up to 6 Vantage points per AED abroad, 4 on travel, 2 on general local retail; reduced categories earn less.
50% off eight tickets per billing cycle pooled across VOX, Reel and Novo, with no minimum spend. Book directly on cinema website/app. Separate Cinepolis eight-ticket monthly promotion at Oasis Mall, Sharjah through 31 December 2026. · 12 complimentary lounge visits per calendar year via Visa Airport Companion, shared with up to one guest per visit. Only two before an international transaction over USD 1 each calendar year; allow 15 days to reflect. Replaced cards must requalify.
Valet: Two complimentary valet services per billing cycle after AED 10,000 retail purchases in the previous cycle. Quota includes supplementary-card use; location and time limits apply.
Monthly interest rate: 3.85%. Bank FX charge: 2.89%.
AED 2,500 for eligible new credit customers after AED 9,000 within the bank's first two months. Existing-customer credit is AED 500. Amount/window must match digital application;60days in forecast is approximate.
Verified cash redemption: 380 Mashreq Vantage points = AED 1 via Mashreq Mobile App. Vouchers and miles have different conversion values. Bill payments through Mashreq app/online do not earn. Merchant-specific perks are excluded.
September 2026 KFS publishes 46.20% annual retail interest; the published monthly example is 3.85%. Actual assigned rate appears on your statement. Bank FX spread is 2.89%, plus Visa/Mastercard charges; KFS labels FX VAT not applicable.
Welcome qualification uses the bank's first two months after issuance. The calculator uses a 60-day spend projection as an approximation; confirm the actual deadline during digital application.
Welcome amounts are standard new-credit-customer incentives. A Mashreq card held or cancelled in the previous six months makes you an existing customer. Do not count the same credit-card reward again as an Early Bird extra.
Current redemption table, effective 13 June 2026: 380 points = AED 1 cashback; 288 points = AED 1 noon gift card; 303 points = AED 1 Amazon/POS value; 32 points = 1 Skywards mile; 22 points = 1 Etihad Guest mile; 17 points = 1 Avios. Cash redemption is the model benchmark.
Conventional Visa Infinite, distinct from Islamic Emirati Solitaire. The lounge allowance is 12 visits annually, shared with eligible guest visits.
Six annual airport transfers, maximum one per month; golf, Fitness First, Marhaba and valet require AED 10,000 previous-cycle spending. Booking, guest and activity limits apply.
Supplementary annual fee is AED 630 including VAT. Travel insurance requires eligible tickets paid using Solitaire and policy conditions; no standalone cash value is assumed.
Official bank source · checked 2026-10-18Current Vantage earning/redemption
Transparent official hero shows two tilted Solitaire card fronts; VISA Infinite label is visible. Conventional consumer Solitaire, distinct from Mashreq Al Islami Emirati Solitaire. WebP copy resized without cropping or changing the depicted card. Image source
Published welcome offer
AED 2,500 new-customer welcome cashbackStandard welcome statement-credit offer; no stated application deadline.
No stated deadline
- Eligible new Mashreq credit-card customer; a Mashreq card held in the previous six months makes you an existing customer.
- Spend AED 9,000 within the first two months after card issuance; bank terms control the calendar deadline.
- Final welcome amount/threshold must match digital application; replacement,renewal,upgrade do not qualify.
Counted once in regular welcome value when qualifying conditions are met.
Official offer terms
Conventional banking
MashreqBANK-SOURCED
Mashreq noon Credit Card
Dirham Score 2.3/590% data coverage · editorial methodHow this score works
- + Published free-for-life annual fee
- + Published cinema benefit
- + Reward limitations disclosed
- − Reward estimate has stated exclusions
- − Salary minimum needs bank confirmation
Annual fee Free for life
Minimum monthly salary was not confirmed in the retrieved official product/KFS. Confirm eligibility with Mashreq; do not infer the NEO bank-account salary requirement.
ESTIMATED FIRST-YEAR VALUE
AED 1,419
Partial estimate · see detailsView breakdown
Regular welcome+ AED 500
Promotional booster+ AED 0
Annual rewards+ AED 918.6
Fee waiver+ AED 0
Joining-fee refund+ AED 0
Annual fee− AED 0
Actual modelled netAED 1,418.6
Ordinary eligible retail modelled at 1%, direct school/utility/fuel reduced categories 0.33%; noon ecosystem 5% requires separate verified merchant spend. Rewards are restricted noon credits, not bank statement cashback.
Calculation assumptionsRewards, fees & important conditions
Read the full Mashreq noon Credit Card review and fee maths
Cinepolis Oasis Mall Sharjah: 50% off Deluxe-Plus seats, up to eight tickets/month; offer through 31 December 2026. · No complimentary access verified
Monthly interest rate: 3.85%. Bank FX charge: 2.89%.
AED 500 new-customer welcome after AED 5,000 in first two months; existing-customer offer differs. The 60-day engine window approximates the bank’s calendar-month wording.
Ordinary eligible retail modelled at 1%, direct school/utility/fuel reduced categories 0.33%; noon ecosystem 5% requires separate verified merchant spend. Rewards are restricted noon credits, not bank statement cashback.
Current official name is Mashreq noon Credit Card. VIP survives in older campaigns, card-image filename and noon membership URLs; it is not treated as a separate currently advertised product.
Free for life. Earn 5% restricted noon credits at noon, noon Food, noon Minutes, noon supermall, NowNow and Namshi; 1% ordinary eligible retail; 0.33% government, utilities, education, charity, fuel, rental and telecom. No minimum earning spend; assigned monthly credit limit still caps earning spend.
Cashback transfers monthly to the linked noon account and redeems at noon checkout; it is not freely withdrawable statement cashback. Bank-channel bill payments, cash/transfer facilities, charges and reversed purchases are excluded.
Standard welcome headline AED 500 for new Mashreq credit-card customers after AED 5,000 in the first two months; existing customers AED 100. Sixty days is a planning approximation: exact calendar-month and exclusion rules depend on application offer. Confirm payout form and new-customer eligibility.
Monthly interest 3.85%; international bank spread 2.89% VAT not applicable, plus Visa/Mastercard network charges. No complimentary lounge access was verified.
Official bank source · checked 2026-10-18Exact official issuer artwork; retrieved and visually inspected. Card design may change. WebP copy resized without cropping or changing the depicted card. Image source
First-year value uses AED 10,000 monthly spending across our benchmark categories. Foreign spending assumes eligible non-European general retail and excludes FX charges. Miles use editorial assumptions. See the maths and exclusions.
Read the bank’s terms before applying
The individual reviews link to the issuer’s product pages and available fee schedules. Relationship tiers, employer listing, residence, salary-transfer channels and bureau checks can affect your eligibility independently of a card’s minimum published salary.
Compare salary-transfer commitments and offers