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PremiumVisa
Mashreq
Platinum Plus Credit Card
No salary transfer needed
Min. salary
AED 5,000
Annual fee
AED 313.95
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%
No standard waiver
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 313.95
- Fee note
- No standard waiver
- 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 750 for new credit card customers (AED 200 for existing) on spending AED 5,000 in the first 2 months post card issuance
- 10 Mashreq Vantage points per AED 1 on supermarket, fuel and dining spends
- 2 Mashreq Vantage points per AED 1 on international and other local spends
- 0.5 Mashreq Vantage points per AED 1 on government payments, utilities, education, charity, rental and telecom spends (May 2026 KFS lists 1 point for this bucket)
- 4 complimentary airport lounge visits per calendar year, unlocked by AED 7,000+ retail purchases in the previous month's statement (cardholder, or cardholder plus one guest)
- VOX, Reel and Novo Cinemas: 4 movie tickets per billing month at 50% off; Cinepolis: 8 tickets per billing month at 50% off until 31 December 2026
- MakeMyTrip: 15% instant discount on hotels (up to AED 300, min booking AED 300) and 10% on flights (up to AED 80, min booking AED 600), plus matching MMT wallet bonus, code MASHREQPP
- Supplementary cards free for life
- No Vantage points on bill payments made via Mashreq Mobile App or Online Banking
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.