Mashreq Aura World 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 1.7/570% data coverage · editorial methodHow this score works
- + Official fees and product sources linked
- + Published salary criteria
- + Reward limitations disclosed
- − Reward forecast needs further verified terms
- − Bank FX charge 2.89%; scheme charges may apply
Explore all Mashreq cards and accounts · Conventional credit 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.
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. 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 30,000
- Annual fee
- AED 1,575
- Bank FX charge
- 2.89%; scheme fees may apply
- Monthly interest rate
- 3.85%
- Reward programme
- Aura Points
- Salary transfer required
- No published requirement
The VAT-inclusive recurring annual fee is AED 1,575. No recurring fee waiver was verified.
Cashback or points earning rules, thresholds and caps
Earn up to 12% at participating Aura brands, 5% on domestic groceries, and 1.25% on other eligible retail spend, paid as Aura points.
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 |
|---|
First-year AED value and conditional welcome offers
The cash value of this reward programme is not verified. No total reward estimate is presented.
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.
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 Aura World Elite Credit Card
Dirham Score 1.7/570% data coverage · editorial methodHow this score works
- + Official fees and product sources linked
- + Published salary criteria
- + Reward limitations disclosed
- − Reward forecast needs further verified terms
- − Bank FX charge 2.89%; scheme charges may apply
The VAT-inclusive recurring annual fee is AED 1,575. No recurring fee waiver was verified.
View breakdown
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.
Calculation assumptionsRewards, fees & important conditions
Read the full Mashreq Aura World Elite Credit Card review and fee maths
Earn up to 12% at participating Aura brands, 5% on domestic groceries, and 1.25% on other eligible retail spend, paid as Aura points.
No cinema benefit verified. · No complimentary lounge allowance verified; check the benefit terms for this specific tier.
Monthly interest rate: 3.85%. Bank FX charge: 2.89%.
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.
Rewards are credited as restricted Aura points:50 points equal AED 1 when redeemed. They are not statement cashback.
Specified categories earn 0.25%; bank-channel bill payments earn no points. Rewards apply only to monthly spending within the assigned credit limit.
The bank application catalogue confirms the salary floor, card fee and exact artwork. Network branding alone does not establish a complimentary perk.
Official bank source · checked 2026-10-22Official rendered application catalogue: salary, annual fee and exact card artwork
Official application benefit terms
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 lounge allowance verified; check the benefit terms for this specific tier.
- Cinema: No current offer verified
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- Rewards are credited as restricted Aura points:50 points equal AED 1 when redeemed. They are not statement cashback.
- Specified categories earn 0.25%; bank-channel bill payments earn no points. Rewards apply only to monthly spending within the assigned credit limit.
- The bank application catalogue confirms the salary floor, card fee and exact artwork. Network branding alone does not establish a complimentary perk.
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.
Premier Credit Card
HSBC · minimum salary AED 40,000
Compare Mashreq Aura World Elite Credit Card with Premier Credit CardSolitaire Credit Card
Mashreq · minimum salary AED 25,000
Compare Mashreq Aura World Elite Credit Card with Solitaire Credit CardCash+ Credit Card
HSBC · minimum salary AED 30,000
Compare Mashreq Aura World Elite Credit Card with Cash+ Credit CardOfficial bank sources and application information
- Mashreq Aura World Elite Credit Card official product terms
- Mashreq: Official1October2026launch
- Mashreq: September2026KFS withAura
- Mashreq: Official rendered application catalogue: salary, annual fee and exact card artwork
- Mashreq: Official application benefit terms
- Mashreq Aura World 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.