Mashreq noon Credit Card review
Cardholders earn 5% on noon, noon Food and noon Minutes, and another 5% on noon supermall, NowNow and Namshi, with 1% on all other purchases and 0.33% on government payments, utilities, education, charity, fuel, rental and telecom. There is no minimum spend to earn, though standard exclusions apply to cash advances, balance transfers, fees and bills paid through bank channels.
Cashback lands monthly in your linked noon Account as noon credits, redeemable only on noon platforms with no cash value, and it expires 12 months after accrual. The card is issued instantly as a digital card and adds unlimited free next-day noon Express delivery plus instant checkout redemption on noon.
Free for life with a AED 500 welcome bonus, it is an easy win for heavy noon users, as long as they accept that rewards stay locked to the platform and non-noon spend earns just 1%.
Card details
| Bank | Mashreq |
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| Card type | Cashback |
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| Card network | Visa |
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| Co-brand | Noon |
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| Minimum salary | AED 5,000 |
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| Annual fee | Free for life |
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| Fee waiver | Free for life for primary and supplementary cards. |
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| Interest (monthly) | 3.85% |
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| Reward type | noon credits (cashback) |
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| Reward rate | Earn 5% on noon, noon Food and noon Minutes; 5% on noon supermall, NowNow and Namshi; 1% on all other purchases; and 0.33% on government payments, utilities, education, charity, fuel, rental and telecom.No minimum spend is needed to earn cashback. Excluded are Easy Cash, balance transfers, local cash advances, credit card cheques, finance charges, all bank fees, merchant-reversed transactions and bill payments made via bank channels (call center, online, ATM, mobile or branch). Cashback is earned only within your assigned credit limit and for personal use only. No per-category cap is stated; earning is limited to spend within your assigned credit limit. Cashback is transferred monthly to your linked noon Account as noon credits (posting window from the 6th of the previous month to the 5th of the current month). It is redeemable only on noon platforms, carries no cash value and is non-transferable, and is valid for 12 months from the date of accrual before it expires. |
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| Welcome bonus | AED 500 for new customers or AED 100 for existing customers, on spending AED 5,000 or more within the first 2 months.New Mashreq credit card customers get AED 500; existing customers get AED 100 | Spend AED 5,000 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) |
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| Quick cash | Flash Cash is available. |
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| Instalment plan | An Easy Payment Plan is available. |
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Welcome bonus: AED 500 for new customers or AED 100 for existing customers, on spending AED 5,000 or more within the first 2 months.
Terms: New Mashreq credit card customers get AED 500; existing customers get AED 100 | Spend AED 5,000 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 noon Credit Card benefits
✓Free for life
✓5% cashback across the noon ecosystem
✓Instant digital card
✓Unlimited free next-day noon Express delivery
✓Instant checkout redemption on noon
Offers and payment options
Quick cashFlash Cash is available.
Instalment planAn Easy Payment Plan is available.
Mashreq noon Credit Card fees & charges
| Annual percentage rate (APR) | 46.20% per annum (fixed, retail and cash) |
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| Cash advance fee | 3.15% or AED 210 whichever is higher (VAT incl) |
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| Late payment fee | 241.50 |
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| Over-limit fee | 303.45 |
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| Foreign currency fee | 2.89% (plus Visa/Mastercard charges; VAT not applicable) |
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| Minimum payment | 5% of outstanding (per KFS worked example) |
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| Interest-free period | up to 57 days |
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| Card replacement fee | 78.80 |
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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 made for frequent noon.com and noon Food shoppers who are happy to keep rewards inside the noon ecosystem.
What works well
- ✓No annual fee
- ✓Strong 5% rewards for noon shoppers
- ✓Fast digital issuance
What to weigh up
- −Cashback usable only on noon platforms (no cash value)
- −Shorter 12-month cashback expiry
- −Only 1% on non-noon spend
Mashreq noon Credit Card eligibility
UAE resident; minimum salary is not officially published (some third-party sources cite AED 5,000).
▤Emirates ID▤Passport/visa copy▤noon.com registered email
Mashreq noon Credit Card FAQs
UAE resident; minimum salary is not officially published (some third-party sources cite AED 5,000).
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 5% on noon, noon Food and noon Minutes; 5% on noon supermall, NowNow and Namshi; 1% on all other purchases; and 0.33% on government payments, utilities, education, charity, fuel, rental and telecom.
This card is made for frequent noon.com and noon Food shoppers who are happy to keep rewards inside the noon ecosystem.
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.
