← All 169 cards
Cashback
Mashreq
Cashback Credit Card
No salary transfer needed
Min. salary
AED 5,000
Annual fee
AED 0
Monthly rate
3.85%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
57.4%
Free for life
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
01Fees & rates
What it costs.
- Annual fee
- AED 0
- Fee note
- Free for life
- Monthly rate
- 3.85%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 57.4%
- Minimum salary
- AED 5,000
- Salary transfer
- Not required
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
02Rewards & perks
What you get.
- Welcome bonus: AED 500 for new credit card customers (AED 100 for existing Mashreq cardholders) on spending AED 5,000 or more in the first 2 months post card issuance
- 5% cashback on international and local dining spends (merchants configured as restaurants incl. online food delivery)
- 1% cashback on other international spends
- 1% cashback on local spends
- 0.15% cashback on government payments, utilities, education, charity, fuel, rental and telecom spends (May 2026 Key Facts Sheet lists 0.33% for this bucket)
- Intro offer: 20% cashback for the first 4 months on Netflix, Talabat, Careem and more, max cashback AED 50 per merchant per month
- Cinepolis Cinemas: 50% off on Deluxe-Plus seats, up to 8 tickets per month, valid until 31 Dec 2026
- Up to 57 days interest-free grace period
- Cashback redeemable once balance reaches AED 100; earned cashback valid for 36 months
- No airport lounge benefit; cashback earned only on spends within the assigned credit limit; no cashback on bill payments via Mashreq banking channels
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026. Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.