Solitaire Credit Card
No salary transfer needed
No annual fee for Mashreq Gold customers who apply on/or after 14 March 2026; no spend-based waiver stated
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
What it costs.
- Annual fee
- AED 1,575
- Fee note
- No annual fee for Mashreq Gold customers who apply on/or after 14 March 2026; no spend-based waiver stated
- 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 25,000
- 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.
What you get.
- Welcome bonus: AED 2,500 for new credit card customers (AED 500 for existing) on spending AED 9,000 or more in the first 2 months post card issuance
- Mashreq Vantage points per AED 1: 6 on international purchases, 4 on airlines, hotels and other travel, 2 on local spends, 1 on other local spends (government, utilities, fuel, education, charity, rental, telecom)
- Access to 1,000+ airport lounges (LoungeKey) for primary and supplementary cardholders, each with one complimentary guest: 12 complimentary visits per calendar year subject to 1 international transaction over USD 1 in the year, otherwise 2 visits
- 4 complimentary golf games per billing cycle (max 2 weekend games) at Arabian Ranches, Abu Dhabi Golf Club, The Track Meydan, The Els Club, Jebel Ali and Sharjah Golf & Shooting, with AED 10,000+ retail spend in the previous billing cycle
- Unlimited complimentary Fitness First access with AED 10,000+ spend in the previous month's statement (AED 5 charged per visit and auto-reversed within 60 days)
- 6 complimentary airport limousine transfers per calendar year (max 1 per month) to/from Dubai International and Abu Dhabi airports, with AED 10,000+ previous-cycle spend
- 2 free valet parkings per billing cycle at premium Dubai and Abu Dhabi locations, with AED 10,000+ previous-cycle spend
- 6 complimentary Marhaba Silver Meet & Greet services per year
- Complimentary multi-trip travel insurance
- 50% off movie tickets: 8 per month at VOX, Reel and Novo Cinemas, plus 8 per month at Cinepolis until 31 December 2026 (no minimum spend)
- Vehicle registration (Car Assist) service
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.