Mashreq noon 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.
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
Salary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- Unconfirmed — ask the bank
- Annual fee
- AED 0
- Bank FX charge
- 2.89%; scheme fees may apply
- Monthly interest rate
- 3.85%
- Reward programme
- noon Credit
- Salary transfer required
- No published requirement
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.
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.
| Spend category | Published model rate | Category cap / month | Below-gate rate |
|---|---|---|---|
| School Fees | 0.33 % cashback | Shared/general conditions | 0 |
| Utilities | 0.33 % cashback | Shared/general conditions | 0 |
| Fuel | 0.33 % cashback | Shared/general conditions | 0 |
First-year AED value and conditional welcome offers
The benchmark produces AED 1,419 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.
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.
Calculate this card using your own monthly spending. The interactive panel below applies current offer dates and exposes the full fee and welcome breakdown.
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
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.
View 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
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
Lounge, cinema, valet and golf conditions
- Airport lounges: No complimentary access verified
- Cinema: Cinepolis Oasis Mall Sharjah: 50% off Deluxe-Plus seats, up to eight tickets/month; offer through 31 December 2026. · stated expiry 2026-12-31
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- 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 sources and application information
- Mashreq noon Credit Card official product terms
- Mashreq: Official product page
- Mashreq: Current bilingual card KFS
- Mashreq: noon cashback terms
- Mashreq: Welcome offer terms
- Mashreq noon 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.