Mashreq Solitaire vs National Bank of Umm Al Qaiwain NBQ Infinite
Mashreq Solitaire: Mashreq Vantage with eligible international spend spending. National Bank of Umm Al Qaiwain NBQ Infinite: Other rewards under the published conditions. 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
Mashreq Solitaire
National Bank of Umm Al Qaiwain NBQ Infinite
Minimum monthly salary
AED 25,000
AED 30,000
Modelled fees · first year
AED 1,575
AED 1,050
Modelled fees · ongoing year
AED 1,575
AED 1,050
Estimated first-year net
AED 1,509.21
Not estimated
Estimated ongoing net / year
AED -990.79
Not estimated
Reward redemption model
Cash / statement redemption model
Reward value unconfirmed
Bank FX charge
2.89%; scheme charges may apply
2.6145%; 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.
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.
National Bank of Umm Al Qaiwain NBQ Infinite 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.
AED 1,050 including 5% VAT; current retail tariff quotes AED 1,000 before VAT. No first-year or renewal waiver established.
An annual reward forecast is not available from the verified data; this does not mean the card has no value.
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
Mashreq SolitaireOngoing net / year: AED -1,410.79
National Bank of Umm Al Qaiwain NBQ InfiniteOngoing net / year: Not estimated
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.
National Bank of Umm Al Qaiwain NBQ InfiniteOngoing net / year: Not estimated
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.
National Bank of Umm Al Qaiwain NBQ InfiniteOngoing net / year: Not estimated
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.
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.
National Bank of Umm Al Qaiwain NBQ Infinite: benefit conditions and official sources
Perks and exclusions
Lounges: Official page advertises Priority Pass access to over 1,300 lounges. Complimentary visit count, guest entitlement and activation conditions are not established; confirm before travelling.
Cinema: No current offer verified.
The 4 February 2026 retail tariff states fees exclude 5% VAT. Monthly interest is 2.49%; KFS annual rate is 29.88%.
Bank FX fee is 2.49% before VAT (2.6145% including VAT), in addition to Visa processing charges described as approximately 1.15% in the KFS. Actual exchange and scheme costs may vary.
No standard ongoing reward rate or current cashback campaign has been established; no annual reward forecast is assigned.
A 120% security cheque may be required, or a 100%-covered fixed deposit for deposit-backed cards.
