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Co-brand rewards
Mashreq
Noon VIP 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) on spending AED 5,000 or more in the first 2 months post card issuance
- 5% cashback (paid as noon credits) on noon, noon Food and noon Minutes
- 5% cashback on noon supermall, NowNow and Namshi
- 1% cashback on all other purchases
- 0.33% cashback on government payments, utilities, education, charity, fuel, rental and telecom purchases
- Automatic noon One membership from the day after card activation, incl. unlimited free delivery on noon Express
- Cinepolis Cinemas: 50% off on Deluxe-Plus seats, up to 8 tickets per month, valid until 31 Dec 2026
- Cashback accrues monthly as noon credits to the linked noon account; noon credits expire after 12 months
- Cashback earned only on monthly spends within the assigned credit limit; no cashback on bank-channel bill payments
- Instant digital card issued on approval; up to 57 days interest-free grace period
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.