American Express UAE American Express Gold Charge Card vs Mashreq Solitaire
American Express UAE American Express Gold Charge Card: Membership Rewards under the published conditions. Mashreq Solitaire: Mashreq Vantage with eligible international spend spending. Start with eligibility, reward use and total recurring cost.
Same AED 10,000 monthly budget, paid in full. Net value is eligible rewards plus qualifying welcome offers, less modelled card, joining and plan fees. FX charges, borrowing costs and unpriced perks are excluded.
Compare
American Express UAE American Express Gold Charge Card
Mashreq Solitaire
Minimum monthly salary
AED 23,000
AED 25,000
Modelled fees · first year
AED 771.22
AED 1,575
Modelled fees · ongoing year
AED 771.22
AED 1,575
Estimated first-year net
Not estimated
AED 1,509.21
Estimated ongoing net / year
Not estimated
AED -990.79
Reward redemption model
Reward value unconfirmed
Cash / statement redemption model
Bank FX charge
3.087%; scheme charges may apply
2.89%; scheme charges may apply
Earning spend gate
Category and programme conditions apply
Category and programme conditions apply
An AED-value winner is not established because a reward conversion or recurring fee is unconfirmed. Use the verified differences and ask the issuer about missing terms.
A higher estimate does not establish eligibility. Restricted points and miles need a redemption you can use. Benchmark calculated 2026-10-25; product terms retain the review dates below. Negative values show fees exceeding modelled rewards.
American Express UAE American Express Gold Charge Card assumptions
Conditional welcome and campaign value included: Not estimated. It requires the bank’s new-customer, application-date and spending conditions; it is not a guaranteed payment.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
USD 183.75 including VAT annual card fee; shown as AED 674.82 using USD 1=AED 3.6725, not a promised issuer settlement rate. Membership Rewards enrolment separately costs USD26.25 including VAT (AED96.40 at that conversion).
An annual reward forecast is not available from the verified data; this does not mean the card has no value.
Mashreq Solitaire assumptions
Conditional welcome and campaign value included: AED 2,500. It requires the bank’s new-customer, application-date and spending conditions; it is not a guaranteed payment.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
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.
A lighter budget can miss a spending gate; a bill-heavy budget can earn reduced rates. These examples use the same rules as the personal selector.
Compare three example budgets
Light everyday · AED 3,000/month
American Express UAE American Express Gold Charge CardOngoing net / year: Not estimated
Mashreq SolitaireOngoing net / year: AED -1,410.79
An AED-value winner is not established because a reward conversion or recurring fee is unconfirmed. Use the verified differences and ask the issuer about missing terms.
American Express UAE American Express Gold Charge CardOngoing net / year: Not estimated
Mashreq SolitaireOngoing net / year: AED -990.79
An AED-value winner is not established because a reward conversion or recurring fee is unconfirmed. Use the verified differences and ask the issuer about missing terms.
American Express UAE American Express Gold Charge CardOngoing net / year: Not estimated
Mashreq SolitaireOngoing net / year: AED -659.21
An AED-value winner is not established because a reward conversion or recurring fee is unconfirmed. Use the verified differences and ask the issuer about missing terms.
Check approval criteria, payment-channel exclusions, fee waivers and the benefits you plan to use. Product-source dates are shown separately; this comparison is not bank approval.
American Express UAE American Express Gold Charge Card: benefit conditions and official sources
Perks and exclusions
Lounges: Priority Pass: current product advertises up to eight visits with a supplementary cardmember; confirm allocation and guest treatment in the membership terms.
Cinema: No current offer verified.
The product is active in current official UAE page data. The card face is different from sibling Gold Credit / Platinum Credit cards.
No separate joining fee established. FX conversion processing fee is 3.087% including VAT on non-billing-currency transactions; for USD-billed charge cards this can apply to UAE AED purchases as well.
Charge card: balance normally must be paid in full monthly. Pay Over Time is a separately eligible instalment facility, not an unrestricted revolving-credit promise.
Headline welcome points are not valued because full current qualifying conditions are not established.
Mashreq Solitaire: benefit conditions and official sources
Perks and exclusions
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.
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.
