Home / UAE credit cards / Card comparison SAME SPENDING · TRANSPARENT MATHS Emirates Islamic Switch Cashback Card vs Mashreq Al Islami Platinum Elite Compare the same AED 10,000 monthly benchmark with full repayment. Actual eligibility, category spending and the timing of welcome offers can change the outcome. This is an independent comparison; subjective perks are not assigned guaranteed cash value.
Minimum salary Confirm with bank
Annual fee AED 313.95
First-year net AED 3,900
Ongoing annual net AED 3,586.05
Bank FX fee Unverified
Reward programme Cashback The first year is free. The ongoing fee is waived after AED 30,000 annual qualifying purchases; otherwise AED 313.95 including VAT applies.
Important conditions Estimates Lifestyle mode only: 4% groceries/dining/education capped AED 200 each, 8% domestic fuel capped AED 100. AED 2,500 calendar-month gate. Travel mode cannot be stacked. Utility banking-channel payments are excluded.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
Visa Airport Companion access is available. Confirm the current visit allowance and activation requirements.
Get two buy-one-get-one-free tickets per month, subject to the spending requirement.
Official Emirates Islamic terms · reviewed 2026-10-22
Minimum salary Confirm with bank
Annual fee AED 682.5
First-year net AED -106.18
Ongoing annual net AED -106.18
Bank FX fee 2.89%; scheme charges may apply
Reward programme Mashreq Vantage No ongoing waiver verified.
Important conditions Partial rewards model: Earn Mashreq Vantage points, with accelerated dining, supermarket and foreign-currency rates and lower specified-category rates. Merchant exclusions, caps and scheme conditions apply.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
8 complimentary lounge visits per year, at most 2 per billing month, after AED 7,000 spend in the previous billing cycle.
50% off 4 tickets monthly at VOX, Reel and Novo. Cinepolis offers up to 8 tickets monthly until 31 December 2026.
Official Mashreq terms · reviewed 2026-10-22 Which card fits your own spending? A common benchmark makes the comparison reproducible, but it does not establish the best card for every household. Welcome eligibility, employer and bureau assessment, payment channel merchant codes, actual foreign spending and carried balances can all change the result.
Compare your actual salary and spending Review all assumptions and reward valuations
