Cashback Credit Card

Unlimited, up to 5% cashback

and it’s free for life!

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Unlimited Cashback

on every spend

Free for life

No annual fees

AED 500 Welcome Bonus

For new credit card customers: AED 500 Welcome Bonus on the card when you spend AED 5,000 or more in the first 2 months post card issuance.
For existing credit card customers: AED 100 Welcome Bonus on the card when you spend AED 5,000 or more in the first 2 months post card issuance.
For T&Cs please click here.

Enjoy unlimited cashback

5% cashback on international and local dining spends
2% cashback on other international spends
up to 1% cashback on local spends

Earn 0.33% cashback for govt. payments, utilities, education, charity, fuel, rental and telecom spends. Cashback is not applicable on bill payments made via Mashreq Online and Mashreq Mobile.

Get Instant Credit Card

20% cashback for the first 6 months at Zomato, Netflix and more.
Max. cashback of AED 50 per merchant per month. T&C's
Join DragonFly & Dine Programme
Download Dine & Fly mobile app, register and enjoy dining discounts.
 
Visa Mena Offers powered by Entertainer. 2-1 deals on food, entertainment and shopping, PLUS 5,000 travel discounts.
Download Visa Offers MENA app from Google or iOS App Store.

Offers

Travel Easy

Discover a host of travel offers which offer peace of mind and great savings.

Visa offers

Exclusive deals and offers from Visa.

Easy Payment Plan

Enjoy shopping and the freedom to buy now and pay later with Easy Payment Plan

No Hidden Fees

Annual fees
Primary Card: No annual fees
Supplementary Card: No annual fees
Interest free period
3.85% p.m
Monthly Minimum Payment
5% of your monthly statement balance
Pay Protect Insurance
0.99% of your monthly statement balance ( + 5% VAT)

Transparency

Cashback Card Terms & Conditions
To find out more, click here.
General Terms & Conditions
To find out more, click here.
Key Facts Statement
To find out more, click here.

Still got questions?

Your monthly income should be a minimum of AED 5,000.

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The Mashreq Cashback Credit Card is free for life for Primary as well as Supplementary Card(s).

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No, there is no minimum spend requirement to earn cashback

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All retails purchases made on your Card will be eligible for the cashback. Spends not qualified for cashback are:
  • Balance transfers
  • Local cash advances
  • Credit card cheques
  • Finance charges
  • All fees charged on the Card by the Bank
  • Transactions reversed by Merchants
  • Utility bill payments like telephone bills, water and electricity bills made through the Bank's payment channels like Call Center, Mashreq Online, ATM, Mobile Banking, Branches or any other Bank's payment channel.

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Your cashback balance will be available to view on Mashreq Mobile App in 2-3 working days from the posting of qualifying transactions. You can view or redeem the cashback earnings via Mashreq Mobile App or Online banking.

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The cashback can be redeemed on achievement of a minimum of AED 100 as cashback balance.
You can easily redeem from Mashreq Online Banking.

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Yes, the cashback earned has a maximum validity of 36 months from the date of earning. If the cashback is not redeemed within this period, it will expire.
Additionally, accumulated cashback will be forfeited in the below cases:
You have not earned or redeemed any cashback in last twelve (12) months or the Card account is delinquent.

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Cashback will be earned on spends made on the supplementary card(s) as well. However, please note that the cashback can be redeemed only against the Primary Card account and will appear only on the statement of the Primary Card account.

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The cashback will be calculated and credited in 2-3 working days from the posting of qualifying transactions.

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The cashback earned can be redeemed upon your choice to the Credit Card account and will be applied directly to the outstanding balance of the card but does not count towards the minimum monthly payment on the card. The cashback is considered as a credit towards the card account and not as a payment, so you must still make the minimum monthly payment due on the card.

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