Mashreq Al Islami Cashback Credit Card: UAE Review
Compare published eligibility, rewards, fees and benefit conditions. Bank terms reviewed 2026-10-22. This is an independent review, not bank approval.
Dirham Score 2.6/5100% data coverage · editorial methodHow this score works
- + Published free-for-life annual fee
- + Published salary criteria
- + Sharia-compliant product
- − Reward estimate has stated exclusions
- − Bank FX charge 2.89%; scheme charges may apply
Explore all Mashreq cards and accounts · Islamic covered card · Primary bank sources reviewed 2026-10-22
Personalise this card’s AED value
The same rewards engine powers the comparison directory and personal selector. Start from our AED 10,000 monthly benchmark, then enter your actual category spending. Estimates assume full repayment.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
Partial rewards model: Earn 5% on eligible dining, 1% on other retail purchases and 0.15% on specified reduced categories. Merchant exclusions, caps and scheme conditions apply. International spending here assumes eligible general retail outside restricted markets; FX charges and lifestyle perks are excluded. Use the detailed rewards calculator for market splits and verified FX deductions. No borrowing costs are included. Negative values remain visible.
Open the detailed personal rewards calculatorSalary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- AED 5,000
- Annual fee
- AED 0
- Bank FX charge
- 2.89%; scheme fees may apply
- Monthly profit rate
- 3.85%
- Reward programme
- Cashback
- Salary transfer required
- No published requirement
Free for life for primary and supplementary.
Cashback or points earning rules, thresholds and caps
Earn 5% on eligible dining, 1% on other retail purchases and 0.15% on specified reduced categories.
Minimum earning gate: See published category rules. Accelerated-rate spending gate: See published category rules. Monthly reward cap: See specific categories and issuer terms. Reward earning delay: 0 modelled months.
| Spend category | Published model rate | Category cap / month | Below-gate rate |
|---|---|---|---|
| Dining | 5 % cashback | Shared/general conditions | 0 |
| School Fees | 0.15 % cashback | Shared/general conditions | 0 |
| Utilities | 0.15 % cashback | Shared/general conditions | 0 |
| Fuel | 0.15 % cashback | Shared/general conditions | 0 |
First-year AED value and conditional welcome offers
The benchmark produces AED 1,563 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.
Partial rewards model: Earn 5% on eligible dining, 1% on other retail purchases and 0.15% on specified reduced categories. Merchant exclusions, caps and scheme conditions apply.
Calculate this card using your own monthly spending. The interactive panel below applies current offer dates and exposes the full fee and welcome breakdown.
Mashreq Al Islami Cashback Credit Card
Dirham Score 2.6/5100% data coverage · editorial methodHow this score works
- + Published free-for-life annual fee
- + Published salary criteria
- + Sharia-compliant product
- − Reward estimate has stated exclusions
- − Bank FX charge 2.89%; scheme charges may apply
Free for life for primary and supplementary.
View breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 1,563
Fee waiver+ AED 0
Joining-fee refund+ AED 0
Annual fee− AED 0
Actual modelled netAED 1,563
Partial rewards model: Earn 5% on eligible dining, 1% on other retail purchases and 0.15% on specified reduced categories. Merchant exclusions, caps and scheme conditions apply.
Calculation assumptionsRewards, fees & important conditions
Read the full Mashreq Al Islami Cashback Credit Card review and fee maths
Earn 5% on eligible dining, 1% on other retail purchases and 0.15% on specified reduced categories.
No cinema benefit verified. · No complimentary access verified.
Monthly profit rate: 3.85%. Bank FX charge: 2.89%.
Partial rewards model: Earn 5% on eligible dining, 1% on other retail purchases and 0.15% on specified reduced categories. Merchant exclusions, caps and scheme conditions apply.
The current product page gives 1% on other international spending; the older catalogue text showing 2% is outdated.
Cashback is limited to monthly spending within the assigned credit limit. Payments through bank channels are excluded.
Official bank source · checked 2026-10-22Official card catalogue artwork
Official product artwork resized proportionally without cropping, recolouring or changing the depicted card. Image source
Lounge, cinema, valet and golf conditions
- Airport lounges: No complimentary access verified.
- Cinema: No current offer verified
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- The current product page gives 1% on other international spending; the older catalogue text showing 2% is outdated.
- Cashback is limited to monthly spending within the assigned credit limit. Payments through bank channels are excluded.
Other charges to check in the official tariff
Supplementary card, cash advance and late-payment fees are not consistently verified across this catalogue. They are not assumed to be zero and are excluded from rewards-only estimates. Check the linked bank schedule and key facts statement before borrowing.
How this card compares
These alternatives share its published salary bracket and broad reward type. Values use the same AED 10,000 monthly benchmark, rather than paid placement. Bank-specific approval and exclusions still apply.
ADCB 365 Cashback Credit Card
ADCB · minimum salary AED 5,000
Compare Mashreq Al Islami Cashback Credit Card with ADCB 365 Cashback Credit CardADCB Islamic 365 Cashback Card
ADCB · minimum salary AED 5,000
Compare Mashreq Al Islami Cashback Credit Card with ADCB Islamic 365 Cashback CardCBD Super Saver Visa Signature Credit Card
CBD · minimum salary AED 5,000
Compare Mashreq Al Islami Cashback Credit Card with CBD Super Saver Visa Signature Credit CardOfficial bank sources and application information
- Mashreq Al Islami Cashback Credit Card official product terms
- Mashreq: Official Cashback product
- Mashreq: Current Islamic fees
- Mashreq: Official card catalogue artwork
- Mashreq Al Islami Cashback 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.