Mashreq · UAE CARD REVIEW

Platinum Plus 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 313.95

Bank FX charge

2.89%; scheme fees may apply

Monthly interest rate

3.85%

Reward programme

Mashreq Vantage

Salary transfer required

No published requirement

Cashback or points earning rules, thresholds and caps

10 Vantage points per AED on supermarket, fuel and dining; 2 on general retail and 0.5 on selected services.

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 2,212 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.

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.

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 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

Min. salary: AED 5,000

Groceries · points rewards Dining · points rewardsCinema perksLounge access

Annual fee AED 313.95

ESTIMATED FIRST-YEAR VALUE

AED 2,212

Partial estimate · see details

View 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 assumptions

View bank offer Add to compareCard details & offers

Rewards, fees & important conditions

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 2026-10-18

Official Vantage programme

Current product

September2026 KFS

Current welcome terms

Current Vantage earning/redemption

Current lounge terms

VOX/Reel/Novo cinema

Cinepolis2026terms

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 cashback

Standard 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 terms

Mashreq

Platinum Plus Credit Card

Regular welcome offer

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.

Qualifying welcome value: AED 750. Requires AED 5,000 spend within 60 days.

Published welcome offer

AED 750 new-customer welcome cashback

Standard 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 terms

Fees, rewards & eligibility

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 2026-10-18

Official Vantage programme

Current product

September2026 KFS

Current welcome terms

Current Vantage earning/redemption

Current lounge terms

VOX/Reel/Novo cinema

Cinepolis2026terms

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

Lounge, cinema, valet and golf conditions

• Airport lounges: 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.
• Cinema: 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.
• 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.
• 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 sources and application information

• Platinum Plus Credit Card official product terms
• Mashreq: Official Vantage programme
• Mashreq: Current product
• Mashreq: September2026 KFS
• Mashreq: Current welcome terms
• Mashreq: Current Vantage earning/redemption
• Mashreq: Current lounge terms
• Mashreq: VOX/Reel/Novo cinema
• Mashreq: Cinepolis2026terms
• Platinum Plus 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.