Mashreq · UAE CARD REVIEW

Mashreq Cashback Credit Card: UAE Review

Compare published eligibility, rewards, fees and benefit conditions. Bank terms reviewed 2026-10-18. This is an independent review, not bank approval.

Salary eligibility, annual fees and borrowing charges

Minimum monthly salary

AED 5,000

Annual fee

AED 0

Bank FX charge

2.89%; scheme fees may apply

Monthly interest rate

3.85%

Reward programme

Cashback

Salary transfer required

No published requirement

Cashback or points earning rules, thresholds and caps

Base earning: 1 % cashback.

Monthly spend gate: See issuer conditions. Monthly reward cap: See specific categories and issuer terms. Reward earning delay: 0 modelled months.

First-year AED value and conditional welcome offers

The benchmark produces AED 2,063 estimated first-year headline value. It assumes AED 10,000 monthly spending across the stated categories and does not include borrowing costs or unmodelled perks.

Calculate this card using your own monthly spending. The interactive panel below applies current offer dates and exposes the full fee and welcome breakdown.

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

Min. salary: AED 5,000

5% dining 0.15% school feesCinema perks

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 assumptions

View bank offer Add to compareCard details & offers

Rewards, fees & important conditions

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 2026-10-18

Current product

September2026 KFS

Current welcome terms

Cashback supplemental terms

20% merchant introductory offer

Cinepolis2026terms

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 cashback

Standard 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 terms

Mashreq

Mashreq Cashback Credit Card

Regular welcome offer

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.

Qualifying welcome value: AED 500. Requires AED 5,000 spend within 60 days.

Published welcome offer

AED 500 welcome cashback

Standard 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 terms

Fees, rewards & eligibility

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 2026-10-18

Current product

September2026 KFS

Current welcome terms

Cashback supplemental terms

20% merchant introductory offer

Cinepolis2026terms

Official bank card artwork; designs may change. WebP copy resized without cropping or changing the depicted card. Image source

Lounge, cinema, valet and golf conditions

• Airport lounges: No complimentary access verified
• Cinema: 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. · stated expiry 2026-12-31
• Valet: No published benefit verified
• Golf: No published benefit verified

Exclusions and important product notes

• 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 sources and application information

• Mashreq Cashback Credit Card official product terms
• Mashreq: Current product
• Mashreq: September2026 KFS
• Mashreq: Current welcome terms
• Mashreq: Cashback supplemental terms
• Mashreq: 20% merchant introductory offer
• Mashreq: Cinepolis2026terms
• Mashreq Cashback Credit Card official artwork source

Eligibility is subject to the bank’s full assessment. Figures are a source-reviewed snapshot. Confirm current terms before applying. Read the reward calculation and Dirham Score methodology.