Mashreq Solitaire Credit Card review
Points weighting favours travel and international spend, with 6 points per AED internationally, 4 points per AED on airlines and hotels, 2 points per AED on local spend and 1 point per AED on other local and low-interchange categories. Points redeem instantly via the Mashreq Mobile App or partner merchants, and there are up to 57 interest-free days, though bill payments through online banking or the app do not earn.
The lifestyle package is extensive: 12 complimentary lounge visits a year across 1,000+ lounges with a free guest, unlimited Fitness First access, six airport transfers plus valet and golf, multi-trip travel insurance up to 90 days and 50% off up to eight movie tickets a month. Many of these premium benefits require AED 10,000 in spend in the previous billing cycle.
With a AED 25,000 income requirement, a AED 2,500 welcome bonus and a AED 1,500 plus VAT annual fee, it is best suited to affluent, frequent travellers who will use the lounge and lifestyle privileges enough to justify the cost.
Card details
| Bank | Mashreq |
|---|
| Card type | Premium |
|---|
| Card network | Visa |
|---|
| Minimum salary | AED 25,000 |
|---|
| Annual fee | AED 1,575 |
|---|
| Fee waiver | AED 1,500 plus 5% VAT on the primary card (AED 1,575 VAT-inclusive); supplementary AED 600 plus 5% VAT (AED 630 VAT-inclusive). |
|---|
| Interest (monthly) | 3.85% |
|---|
| Reward type | Mashreq Vantage points |
|---|
| Reward rate | Earn 6 points per AED on international spend; 4 points per AED on travel (airlines and hotels); 2 points per AED on local spend; and 1 point per AED on other local spend and on government, utilities, education, charity, rental and telecom.Bill payments made via online banking or the app do not earn points. Premium benefits (unlimited Fitness First, valet, airport transfers, golf and Marhaba) require a minimum of AED 10,000 in spend in the previous billing cycle. Redeem instantly via the Mashreq Mobile App or at partner merchants for airmiles, gift cards or cashback, with up to 57 interest-free days. PayProtect insurance costs 0.99% of the monthly balance plus 5% VAT. |
|---|
| 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 at least one international transaction of 1 USD or more); otherwise 2 visits. Covers 1,000+ lounges with 1 free guest per visit. |
|---|
| 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 Solitaire Credit Card benefits
✓6 points per AED international and 4 points per AED on travel
✓12 airport lounge visits a year
✓Unlimited Fitness First access
✓6 airport transfers plus valet and golf
✓Multi-trip travel insurance up to 90 days
✓50% off movie tickets (8 a month)
Offers and payment options
Quick cashFlash Cash is available.
Instalment planAn Easy Payment Plan is available.
Mashreq Solitaire 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 is aimed at high earners who want premium travel, lounge and lifestyle benefits.
What works well
- ✓Rich premium travel and lifestyle perks
- ✓12 lounge visits and unlimited gym access
- ✓Strong welcome bonus
What to weigh up
- −High annual fee of AED 1,500 plus VAT
- −High AED 25,000 salary requirement
- −Top perks need AED 10,000 monthly spend
Mashreq Solitaire Credit Card eligibility
Minimum monthly income AED 25,000; UAE resident.
▤Emirates ID▤Passport/visa copy▤Salary certificate or bank statements
Mashreq Solitaire Credit Card FAQs
Minimum monthly income AED 25,000; UAE resident.
The listed annual fee is AED 1,575. AED 1,500 plus 5% VAT on the primary card (AED 1,575 VAT-inclusive); supplementary AED 600 plus 5% VAT (AED 630 VAT-inclusive).
Earn 6 points per AED on international spend; 4 points per AED on travel (airlines and hotels); 2 points per AED on local spend; and 1 point per AED on other local spend and on government, utilities, education, charity, rental and telecom.
This card is aimed at high earners who want premium travel, lounge and lifestyle benefits.
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.
