Mashreq Al Islami Platinum Elite 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 2.4/590% data coverage · editorial methodHow this score works
- + Mashreq Vantage rewards
- + Published airport lounge benefit
- + Sharia-compliant product
- − Reward estimate has stated exclusions
- − Salary minimum needs bank confirmation
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 Mashreq Vantage points, with accelerated dining, supermarket and foreign-currency rates and lower specified-category rates. 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
- Unconfirmed — ask the bank
- Annual fee
- AED 682.5
- Bank FX charge
- 2.89%; scheme fees may apply
- Monthly profit rate
- 3.85%
- Reward programme
- Mashreq Vantage
- Salary transfer required
- No published requirement
No ongoing waiver verified.
Cashback or points earning rules, thresholds and caps
Earn Mashreq Vantage points, with accelerated dining, supermarket and foreign-currency rates and lower specified-category rates.
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 |
|---|---|---|---|
| Groceries | 3 points per AED | Shared/general conditions | 0 |
| Dining | 3 points per AED | Shared/general conditions | 0 |
| International Spend | 5 points per AED | Shared/general conditions | 0 |
| School Fees | 0.5 points per AED | Shared/general conditions | 0 |
| Utilities | 0.5 points per AED | Shared/general conditions | 0 |
| Fuel | 0.5 points per AED | Shared/general conditions | 0 |
First-year AED value and conditional welcome offers
The benchmark produces AED -106.18 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 Mashreq Vantage points, with accelerated dining, supermarket and foreign-currency rates and lower specified-category rates. 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 Platinum Elite Credit Card
Dirham Score 2.4/590% data coverage · editorial methodHow this score works
- + Mashreq Vantage rewards
- + Published airport lounge benefit
- + Sharia-compliant product
- − Reward estimate has stated exclusions
- − Salary minimum needs bank confirmation
No ongoing waiver verified.
View breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 576.32
Fee waiver+ AED 0
Joining-fee refund+ AED 0
Annual fee− AED 682.5
Actual modelled netAED -106.18
Costs exceed estimated rewards; headline is floored at zero.
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.
Calculation assumptionsRewards, fees & important conditions
Read the full Mashreq Al Islami Platinum Elite Credit Card review and fee maths
Earn Mashreq Vantage points, with accelerated dining, supermarket and foreign-currency rates and lower specified-category rates.
50% off 4 tickets monthly at VOX, Reel and Novo. Cinepolis offers up to 8 tickets monthly until 31 December 2026. · 8 complimentary lounge visits per year, at most 2 per billing month, after AED 7,000 spend in the previous billing cycle.
Monthly profit rate: 3.85%. Bank FX charge: 2.89%.
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.
The AED 650 base fee becomes AED 682.50 including VAT.
Fitness First and airport-transfer benefits require AED 7,000 spending in the previous billing cycle. Fitness use can cost AED 50 a visit if that gate is missed.
Lounge access is limited to 8 visits a year and 2 per billing month, after AED 7,000 spending in the previous billing cycle.
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: 8 complimentary lounge visits per year, at most 2 per billing month, after AED 7,000 spend in the previous billing cycle.
- Cinema: 50% off 4 tickets monthly at VOX, Reel and Novo. Cinepolis offers up to 8 tickets monthly until 31 December 2026.
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- The AED 650 base fee becomes AED 682.50 including VAT.
- Fitness First and airport-transfer benefits require AED 7,000 spending in the previous billing cycle. Fitness use can cost AED 50 a visit if that gate is missed.
- Lounge access is limited to 8 visits a year and 2 per billing month, after AED 7,000 spending in the previous billing cycle.
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.
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Compare Mashreq Al Islami Platinum Elite Credit Card with American Express Gold Credit Card — MoneybackOfficial bank sources and application information
- Mashreq Al Islami Platinum Elite Credit Card official product terms
- Mashreq: Official Platinum product
- Mashreq: Current Islamic fees
- Mashreq: FitnessFirstterms
- Mashreq: Official card catalogue artwork
- Mashreq Al Islami Platinum Elite 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.