Mashreq Al Islami Emirati Solitaire Credit Card review
Rather than juggling categories, cardholders earn a straightforward 6 points per AED on all local and international spend, with no caps and no minimum spend requirement. The Tawarruq structure applies a profit rate only if the minimum payment option is chosen, and bill payments via online banking or the app are excluded, as are gambling, alcohol and other non-Sharia-compliant transactions.
The premium package includes 12 complimentary airport lounge visits a year (or two without qualifying international activity), complimentary Fitness First, valet and airport transfers, 50% off movie tickets and golf privileges, with several perks requiring AED 10,000 in monthly spend. Points redeem instantly through the Mashreq Mobile App or partner merchants, and Card Protect Takaful cover is included.
With a AED 25,000 income requirement and a AED 2,500 welcome bonus, it is a clean, high-value option for affluent UAE nationals who prefer a single simple earn rate, though the annual fee is not published on the card page.
Card details
| Bank | Mashreq |
|---|
| Card type | Islamic |
|---|
| Card network | unknown |
|---|
| Minimum salary | AED 25,000 |
|---|
| Annual fee | Free for life |
|---|
| Fee waiver | Free - no annual fee (AED 0 per Al Islami Key Facts Statement) |
|---|
| Interest (monthly) | 2.45% |
|---|
| Reward type | Mashreq Vantage points |
|---|
| Reward rate | Earn a flat 6 points per AED on all local and international spend, with no caps and no minimum spend requirement.The card uses a Tawarruq structure, with a profit rate applying only if the minimum payment option is selected. Bill payments via online banking or the app are excluded from earning. The card cannot be used for gambling, alcohol or other non-Sharia-compliant transactions. No cap; points earning is uncapped. Points are redeemable instantly via the Mashreq Mobile App or at partner merchants. Complimentary Card Protect Takaful cover is included. |
|---|
| Welcome bonus | AED 2,500 for new customers or AED 500 for existing customers, on spending AED 9,000 or more within the first 2 months.New Mashreq credit card customers get AED 2,500; existing customers get AED 500 | Spend AED 9,000 within first 2 months of card issuance | Bonus credited by end of the third month following issuance | Primary cardholders only | Applies only to newly issued cards | No stated expiry (ongoing offer) |
|---|
| Lounge access | 12 complimentary airport lounge visits per calendar year (with more than one international transaction of 1 USD annually); otherwise 2 visits. |
|---|
| Quick cash | Flash Cash is available. |
|---|
| Instalment plan | An Easy Payment Plan is available. |
|---|
Welcome bonus: AED 2,500 for new customers or AED 500 for existing customers, on spending AED 9,000 or more within the first 2 months.
Terms: New Mashreq credit card customers get AED 2,500; existing customers get AED 500 | Spend AED 9,000 within first 2 months of card issuance | Bonus credited by end of the third month following issuance | Primary cardholders only | Applies only to newly issued cards | No stated expiry (ongoing offer)
Mashreq Al Islami Emirati Solitaire Credit Card benefits
✓Shari'ah-compliant Emirati premium card
✓Flat 6 points per AED everywhere with no caps
✓12 airport lounge visits a year
✓Complimentary Fitness First, valet and airport transfers (AED 10,000 monthly spend)
✓50% off movie tickets
✓Golf privileges
Offers and payment options
Quick cashFlash Cash is available.
Instalment planAn Easy Payment Plan is available.
Mashreq Al Islami Emirati Solitaire Credit Card fees & charges
| Annual percentage rate (APR) | Retail Tawarruq profit 29.4% p.a. (=2.45% p.m.); Cash Tawarruq profit 45% p.a. (=3.75% p.m.); VAT not applicable |
|---|
| Cash advance fee | AED 105 (VAT incl) |
|---|
| Late payment fee | 241.50 |
|---|
| Over-limit fee | 303.45 |
|---|
| Foreign currency fee | 2.89% (plus Visa/Mastercard charges; VAT not applicable) |
|---|
| Minimum payment | Minimum due per monthly statement (Islamic; % not stated in KFS) |
|---|
| Card replacement fee | 78.80 |
|---|
From the bank’s Key Facts Statement / Schedule of Charges. Some figures include and some exclude 5% VAT, a bank’s marketing page can differ from its Key Facts Statement, and fees change - always confirm with the bank before you apply.
Who should get this card?
This card is aimed at high-earning UAE nationals who want a Sharia-compliant premium card with a simple flat rewards rate.
What works well
- ✓Simple flat 6 points per AED on everything with no caps
- ✓Premium lounge and lifestyle perks
- ✓Sharia-compliant
What to weigh up
- −High AED 25,000 salary requirement
- −Annual fee not published on the page
- −Top perks need AED 10,000 monthly spend
Mashreq Al Islami Emirati Solitaire Credit Card eligibility
Minimum monthly income AED 25,000; UAE resident (positioned for UAE nationals).
▤Emirates ID▤Passport copy▤Salary certificate or bank statements
Mashreq Al Islami Emirati Solitaire Credit Card FAQs
Minimum monthly income AED 25,000; UAE resident (positioned for UAE nationals).
The card is listed as free for life with no annual fee. Confirm that this remains part of the final bank offer before applying.
Earn a flat 6 points per AED on all local and international spend, with no caps and no minimum spend requirement.
This card is aimed at high-earning UAE nationals who want a Sharia-compliant premium card with a simple flat rewards rate.
Product details are indicative and compiled from each bank’s official pages and Key Facts Statements; figures can differ between a bank’s marketing page and its Key Facts Statement, and fees, rates and VAT treatment change. We are not affiliated with, or authorised by, any bank - always confirm current fees, eligibility, rewards and terms directly with the issuing bank before applying. This page does not constitute financial advice.
