Platinum Plus Credit Card: UAE Review
Compare published eligibility, rewards, fees and benefit conditions. Bank terms reviewed 2026-10-18. This is an independent review, not bank approval.
Dirham Score 3.4/5100% data coverage · editorial methodHow this score works
- + Mashreq Vantage rewards
- + Published airport lounge benefit
- + Reward limitations disclosed
- − Reward estimate has stated exclusions
- − Bank FX charge 2.89%; scheme charges may apply
Explore all Mashreq cards and accounts · Conventional credit card · Primary bank sources reviewed 2026-10-18
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.
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. 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 313.95
- Bank FX charge
- 2.89%; scheme fees may apply
- Monthly interest rate
- 3.85%
- Reward programme
- Mashreq Vantage
- Salary transfer required
- No published requirement
Cashback or points earning rules, thresholds and caps
10 Vantage points per AED on supermarket, fuel and dining; 2 on general retail and 0.5 on selected services.
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 | 10 points per AED | Shared/general conditions | 0 |
| Dining | 10 points per AED | Shared/general conditions | 0 |
| Fuel | 10 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 |
First-year AED value and conditional welcome offers
The benchmark produces AED 2,212.37 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.
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.
Calculate this card using your own monthly spending. The interactive panel below applies current offer dates and exposes the full fee and welcome breakdown.
Platinum Plus Credit Card
Dirham Score 3.4/5100% data coverage · editorial methodHow this score works
- + Mashreq Vantage rewards
- + Published airport lounge benefit
- + Reward limitations disclosed
- − Reward estimate has stated exclusions
- − Bank FX charge 2.89%; scheme charges may apply
View breakdown
Regular welcome+ AED 750
Promotional booster+ AED 0
Annual rewards+ AED 1,776.32
Fee waiver+ AED 0
Joining-fee refund+ AED 0
Annual fee− AED 313.95
Actual modelled netAED 2,212.37
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.
Calculation assumptionsRewards, fees & important conditions
Read the full Platinum Plus Credit Card review and fee maths
10 Vantage points per AED on supermarket, fuel and dining; 2 on general retail and 0.5 on selected services.
50% off four tickets per billing cycle pooled across VOX, Reel and Novo via their websites/apps. Separate Cinepolis promotion: 50% off up to eight Deluxe-Plus tickets monthly at Oasis Mall, Sharjah through 31 December 2026. · Four complimentary lounge visits annually via LoungeKey, maximum two services per billing cycle after AED 7,000 retail purchases in the previous cycle. AED 110 per person per visit if the spend condition fails. Guest entitlement needs bank confirmation.
Monthly interest rate: 3.85%. Bank FX charge: 2.89%.
AED 750 for eligible new credit customers after AED 5,000 within the bank's first two months. Existing-customer credit is AED 200. Amount/window must match digital application;60days in forecast is approximate.
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.
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.
10 Vantage points per AED on supermarket, fuel and dining applies to domestic transactions. International transactions earn 2 points per AED, including foreign category spending.
Official bank source · checked 2026-10-18Current Vantage earning/redemption
Transparent hero artwork with a tilted silver card and substantial padding; Platinum Plus and VISA labels are visible. Image filename says 780x350; decoded dimensions are 780x530. WebP copy resized without cropping or changing the depicted card. Image source
Published welcome offer
AED 750 new-customer welcome cashbackStandard acquisition offer with no stated application deadline.
No stated deadline
- Eligible new Mashreq credit-card customer; a Mashreq card held in the previous six months makes you an existing customer.
- Spend AED 5,000 within the first two months after card issuance; bank terms control the calendar deadline.
- Final welcome amount/threshold must match digital application; replacement,renewal,upgrade do not qualify.
Counted once in regular welcome value when qualifying conditions are met.
Official offer termsLounge, cinema, valet and golf conditions
Supplemental lounge spend rule: AED 7,000 in the previous billing cycle. Activation, visits and guest conditions also apply. Official lounge spending conditions.
- Airport lounges: Four complimentary lounge visits annually via LoungeKey, maximum two services per billing cycle after AED 7,000 retail purchases in the previous cycle. AED 110 per person per visit if the spend condition fails. Guest entitlement needs bank confirmation.
- Cinema: 50% off four tickets per billing cycle pooled across VOX, Reel and Novo via their websites/apps. Separate Cinepolis promotion: 50% off up to eight Deluxe-Plus tickets monthly at Oasis Mall, Sharjah through 31 December 2026.
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- 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.
- 10 Vantage points per AED on supermarket, fuel and dining applies to domestic transactions. International transactions earn 2 points per AED, including foreign category spending.
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
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ADCB · minimum salary AED 5,000
Compare Platinum Plus Credit Card with ADCB Islamic 365 Cashback CardCBD Super Saver Visa Signature Credit Card
CBD · minimum salary AED 5,000
Compare Platinum Plus Credit Card with CBD Super Saver Visa Signature Credit CardOfficial bank sources and application information
- Platinum Plus Credit Card official product terms
- Mashreq: Official Vantage programme
- Mashreq: Current product
- Mashreq: September2026 KFS
- Mashreq: Current welcome terms
- Mashreq: Current Vantage earning/redemption
- Mashreq: Current lounge terms
- Mashreq: VOX/Reel/Novo cinema
- Mashreq: Cinepolis2026terms
- Platinum Plus 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.