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.
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.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
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.
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.
Monthly plan fee, not unconditional free: Prime AED 49+VAT waived at AED 5,000 monthly spend; Plus AED 99+VAT waived at AED 10,000. Privilege waiver requires AED 20,000 monthly spend.
Important conditions
Published reward benefits are described, but a complete category/rate/cap or AED conversion model is not verified. No personalised net reward estimate is assigned.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
Mastercard Travel Pass access for the cardholder and a guest, subject to a USD 1 equivalent foreign purchase every 3 months.
50% off at VOX cinemas, subject to the current card and venue terms.
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.
