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Mashreq

Cashback Credit Card

Up to 5% cashback on all spends

default

50.00%

50% off on Deluxe-Plus seats, up to 8 tickets per month

default

20.00%

20% cashback for the first 4 months on Netflix, Talabat, Careem and more

foreign currency

5.00%

5% cashback on international and local dining spends

Eligibility

Eligibility details not available yet.

Annual fee

AED 0

B.E.S.T cashback ladder

Full rewards table

Rates increase with monthly total spend. Scan each category row for the spend band, rate, and cap.

Categories
5
Best rate
50.00%
Top cap
AED 0
FC

Foreign Currency

Up to 5.00% cashback

Spend tier

Published reward rule

Rate

5.00%

Cap

No cap listed

5% cashback on international and local dining spends

Spend tier

Published reward rule

Rate

1.00%

Cap

No cap listed

1% cashback on other international spends

D

Default

Up to 50.00% cashback

Spend tier

Published reward rule

Rate

1.00%

Cap

No cap listed

Up to 1% cashback on local spends

Spend tier

Published reward rule

Rate

0.33%

Cap

No cap listed

0.33% cashback for government payments, utilities, education, charity, fuel, rental and telecom spends. Cashback is not applicable on bill payments made via Mashreq Online and Mobile Banking App. Effective 13 June 2026, this will change to 0.15% cashback.

Spend tier

Published reward rule

Rate

20.00%

Cap

No cap listed

20% cashback for the first 4 months on Netflix, Talabat, Careem and more

Spend tier

Published reward rule

Rate

50.00%

Cap

No cap listed

50% off on Deluxe-Plus seats, up to 8 tickets per month

Spend tier

Published reward rule

Rate

5.00%

Cap

No cap listed

Up to 5% cashback on all spends

U

Utilities

Up to 0.33% cashback

Spend tier

Published reward rule

Rate

0.33%

Cap

No cap listed

0.33% cashback for government payments, utilities, education, charity, fuel, rental and telecom spends. Cashback is not applicable on bill payments made via Mashreq Online and Mobile Banking App. Effective 13 June 2026, this will change to 0.15% cashback. [Derived category mapping: utilities]

E

Education

Up to 0.33% cashback

Spend tier

Published reward rule

Rate

0.33%

Cap

No cap listed

0.33% cashback for government payments, utilities, education, charity, fuel, rental and telecom spends. Cashback is not applicable on bill payments made via Mashreq Online and Mobile Banking App. Effective 13 June 2026, this will change to 0.15% cashback. [Derived category mapping: education]

F

Fuel

Up to 0.33% cashback

Spend tier

Published reward rule

Rate

0.33%

Cap

No cap listed

0.33% cashback for government payments, utilities, education, charity, fuel, rental and telecom spends. Cashback is not applicable on bill payments made via Mashreq Online and Mobile Banking App. Effective 13 June 2026, this will change to 0.15% cashback. [Derived category mapping: fuel]

Benefits

Lifestyle

Visa Mena Offers powered by Entertainer

Discount Program

2-1 deals on food, entertainment and shopping, PLUS 5,000 travel discounts

Conditions: Download Visa Offers MENA app from Google or iOS App Store

Partner: EntertainerProgram: Visa Mena OffersProgram: Entertainer

Rewards

Welcome Bonus - New Customers

Sign Up Bonus

AED 500 Welcome Bonus on the card when you spend AED 5,000 or more in the first 2 months post card issuance.

Conditions: For new credit card customers only. Must spend AED 5,000 or more in the first 2 months post card issuance.

Dining Cashback

Cashback

5% cashback on international and local dining spends

Conditions: Applies to dining purchases within assigned credit limit

Local Spend Cashback

Cashback

Up to 1% cashback on local spends

Conditions: Applies to local purchases within assigned credit limit

Enhanced Cashback on Select Merchants

Cashback

20% cashback for the first 4 months on Netflix, Talabat, Careem and more

Conditions: Max. cashback of AED 50 per merchant per month. First 4 months only.

Partner: NetflixPartner: TalabatPartner: Careem

Welcome Bonus - Existing Customers

Sign Up Bonus

AED 100 Welcome Bonus on the card when you spend AED 5,000 or more in the first 2 months post card issuance.

Conditions: For existing credit card customers only. Must spend AED 5,000 or more in the first 2 months post card issuance.

International Spend Cashback

Cashback

1% cashback on other international spends

Conditions: Applies to non-dining international purchases within assigned credit limit

Special Categories Cashback

Cashback

0.33% cashback for government payments, utilities, education, charity, fuel, rental and telecom spends. Cashback is not applicable on bill payments made via Mashreq Online and Mobile Banking App. Effective 13 June 2026, this will change to 0.15% cashback.

Conditions: Excludes bill payments made via Mashreq Online and Mobile Banking App. Rate changes to 0.15% from 13 June 2026.

Dining

DragonFly & Dine Programme

Dining Discount

Download Dine & Fly mobile app, register and enjoy dining discounts

Conditions: Must download and register on Dine & Fly mobile app

Program: DragonFly & Dine

Entertainment

Cinepolis Cinema Discount

Entertainment Discount

50% off on Deluxe-Plus seats, up to 8 tickets per month

Conditions: Valid until 31 Dec 2026. Up to 8 tickets per month.

Partner: Cinepolis

Finance

Interest Free Period

Payment Flexibility

Up to 57 days interest free period

Conditions: On qualifying purchases

Easy Payment Plan

Installment Plan

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

Conditions: Subject to eligibility and terms

Active promotions

No verified active promotions yet.