Mashreq · UAE CARD REVIEW

Solitaire 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 25,000

Annual fee

AED 1,575

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

Up to 6 Vantage points per AED abroad, 4 on travel, 2 on general local retail; reduced categories earn less.

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 1,509 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 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

Min. salary: AED 25,000

School Fees · points rewards Fuel · points rewardsCinema perksLounge access

Annual fee AED 1,575

ESTIMATED FIRST-YEAR VALUE

AED 1,509

Partial estimate · see details

View 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 assumptions

View bank offer Add to compareCard details & offers

Rewards, fees & important conditions

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 2026-10-18

Official Vantage programme

Current product

September2026 KFS

Current welcome terms

Current Vantage earning/redemption

Current lounge terms

VOX/Reel/Novo cinema

Cinepolis2026terms

Valet terms effectiveJuly2026

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 cashback

Standard 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

Mashreq

Solitaire Credit Card

Regular welcome offer

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.

Qualifying welcome value: AED 2,500. Requires AED 9,000 spend within 60 days.

Published welcome offer

AED 2,500 new-customer welcome cashback

Standard 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

Fees, rewards & eligibility

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 2026-10-18

Official Vantage programme

Current product

September2026 KFS

Current welcome terms

Current Vantage earning/redemption

Current lounge terms

VOX/Reel/Novo cinema

Cinepolis2026terms

Valet terms effectiveJuly2026

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

Lounge, cinema, valet and golf conditions

• Airport lounges: 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.
• Cinema: 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.
• 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.
• Golf: Published benefit; qualifying conditions apply

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.
• 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 sources and application information

• Solitaire 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
• Mashreq: Valet terms effectiveJuly2026
• Solitaire 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.