Mashreq Platinum Plus Credit Card review
The card earns a strong 10 points per AED on fuel, dining and grocery spend, then 2 points per AED on international and other local purchases. Low-interchange categories like government payments, utilities, education, charity, rental and telecom earn 1 point per AED, though the detail page cites 0.5 points per AED against the KFS (05/2026) figure of 1 point per AED. Points redeem instantly through the Mashreq Mobile App or partner merchants for airmiles, gift cards or cashback.
Perks include four complimentary lounge visits a year across 1,000+ lounges, 50% off cinema tickets, 10-15% travel discounts via MakeMyTrip and up to 57 interest-free days. Note that lounge access and some benefits require AED 7,000 or more in monthly spend.
With a AED 5,000 income requirement, a AED 750 welcome bonus and a AED 299 plus VAT annual fee, it is a well-rounded everyday rewards card for mid-tier earners who spend meaningfully each month.
Card details
| Bank | Mashreq |
|---|
| Card type | Rewards |
|---|
| Card network | Visa |
|---|
| Minimum salary | AED 5,000 |
|---|
| Annual fee | AED 313.95 |
|---|
| Fee waiver | AED 299 plus 5% VAT on the primary card (AED 313.95 VAT-inclusive per the Key Facts Sheet); supplementary cards free for life. |
|---|
| Interest (monthly) | 3.85% |
|---|
| Reward type | Mashreq Vantage points |
|---|
| Reward rate | Earn 10 points per AED on fuel, dining and grocery spend; 2 points per AED on international and other local spend; and 1 point per AED on government payments, utilities, education, charity, rental and telecom (low-interchange). The detail page cites 0.5 points per AED on low-interchange categories, while the KFS (05/2026) states 1 point per AED.Excluded are bank fees and charges, cash advances, and balance transfer or Easy Cash transactions. Lounge access requires AED 7,000 or more in monthly spend. Redeem instantly via the Mashreq Mobile App or at partner merchants for airmiles, gift cards or cashback, with up to 57 interest-free days. Retail interest is 46.20% p.a. (3.85% p.m.). |
|---|
| Welcome bonus | AED 750 for new customers or AED 200 for existing customers, on spending AED 5,000 or more within the first 2 months.New Mashreq credit card customers get AED 750; existing customers get AED 200 | 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) |
|---|
| Lounge access | 4 complimentary lounge visits per year across 1,000+ lounges worldwide; requires AED 7,000 or more in monthly spend. |
|---|
| Quick cash | Flash Cash is available. |
|---|
| Instalment plan | An Easy Payment Plan is available. |
|---|
Welcome bonus: AED 750 for new customers or AED 200 for existing customers, on spending AED 5,000 or more within the first 2 months.
Terms: New Mashreq credit card customers get AED 750; existing customers get AED 200 | 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 Platinum Plus Credit Card benefits
✓10 points per AED on fuel, dining and grocery
✓4 airport lounge visits a year
✓50% off cinema tickets
✓10-15% travel discounts via MakeMyTrip
✓Up to 57 interest-free days
Offers and payment options
Quick cashFlash Cash is available.
Instalment planAn Easy Payment Plan is available.
Mashreq Platinum Plus Credit Card fees & charges
| Annual percentage rate (APR) | 46.20% per annum (fixed, retail and cash) |
|---|
| Cash advance fee | 3.15% or AED 210 whichever is higher (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 | 5% of outstanding (per KFS worked example) |
|---|
| Interest-free period | up to 57 days |
|---|
| 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 suits mid-tier earners who want rewards on fuel, dining and groceries plus occasional lounge access.
What works well
- ✓High points on everyday fuel, dining and grocery spend
- ✓Airport lounge access
- ✓Cinema and travel discounts
What to weigh up
- −Annual fee of AED 299 plus VAT
- −Lounge and some perks gated behind AED 7,000 monthly spend
Mashreq Platinum Plus Credit Card eligibility
Minimum monthly income AED 5,000; UAE resident.
▤Emirates ID▤Passport/visa copy▤Salary certificate or bank statements
Mashreq Platinum Plus Credit Card FAQs
Minimum monthly income AED 5,000; UAE resident.
The listed annual fee is AED 313.95. AED 299 plus 5% VAT on the primary card (AED 313.95 VAT-inclusive per the Key Facts Sheet); supplementary cards free for life.
Earn 10 points per AED on fuel, dining and grocery spend; 2 points per AED on international and other local spend; and 1 point per AED on government payments, utilities, education, charity, rental and telecom (low-interchange). The detail page cites 0.5 points per AED on low-interchange categories, while the KFS (05/2026) states 1 point per AED.
This card suits mid-tier earners who want rewards on fuel, dining and groceries plus occasional lounge access.
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.
