Mawarid Falak Tayyeb Titanium Credit Card review
Even at the entry tier, the card offers up to 10% cashback on grocery, dining and fuel and 2% on other eligible spend, though caps are the lowest in the range at AED 100 per key category and AED 1,500 total per month. The top rates are campaign-based, enrolment is automatic, and categories such as utilities, rent and government are excluded from earning. Loyalty Points convert to cash credited to the card.
Its more unusual feature is flight-delay lounge protection: registering a flight on the Mastercard Travel Pass app unlocks access to 1,300-plus DragonPass lounges in 135-plus countries when the flight is delayed an hour or more, though there is no regular lounge access. Valet parking, Mastercard Gamer Pass, streaming discounts and travel offers round out the package.
As a no-fee Islamic starter card it is accessible, but the 3.10% monthly profit rate of about 37.72% APR, the low cashback caps and cash withdrawals capped at 30% of the limit keep it firmly entry-level.
Card details
| Bank | Mawarid Finance |
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| Card type | Cashback |
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| Card network | Mastercard |
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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, with no annual fees. |
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| Interest (monthly) | 3.10% |
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| Reward type | Cashback (Falak Tayyeb Loyalty Points) |
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| Reward rate | Earn up to 10% cashback on Grocery, Dining and Fuel and 2% cashback on all other eligible local and international retail spend.Enrolment is automatic and the card must stay in good standing, meaning not cancelled and with no past-due balance. Earning excludes monthly profit, fees, balance transfers, Easy Payment Plan-converted transactions, cash withdrawals, government payments, utilities, charity, rent, telecom, quasi-cash, money transfers, gambling, insurance and real estate rentals. The 10% category rates shown on the official loyalty page apply within promotional transaction periods such as a summer campaign, so headline rates may be campaign-based. Monthly caps of AED 100 Grocery, AED 100 Dining and AED 100 Fuel, with a total maximum cashback of AED 1,500 per month. Loyalty Points are redeemable for cash credited directly to the Falak Tayyeb card account, and the rewards portal also offers travel, shopping and voucher redemption. Points expiry is not disclosed, and points are redeemable only while the card is operating and current with no past dues. |
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| Lounge access | Flight-delay lounge benefit only: register your flight on the Mastercard Travel Pass app to get complimentary access to 1,300+ DragonPass lounges across 135+ countries if the registered flight is delayed by 1 hour or more, with no regular lounge access. |
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| Quick cash | An Easy Cash facility is available at up to 2.50% per month, with cash withdrawal up to 30% of the credit limit under Qard Hasan (AED 105 per withdrawal transaction per AED 5,000). |
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| Balance transfer | Balance transfer is available up to 90% of the credit limit or available balance, whichever is lower, at a rate of up to 2.50% per month. |
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| Instalment plan | Flexible payment plans and retail installment plans run at up to 2.50% per month, with an AED 105 installment plan processing fee and no advertised 0% EPP. |
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Mawarid Falak Tayyeb Titanium Credit Card benefits
✓Free for life with no annual fee
✓Falak Tayyeb cashback loyalty program with up to 10% in key categories
✓Flight-delay lounge access at 1,300+ DragonPass lounges
✓Valet parking privileges
✓Mastercard Gamer Pass and subscription discounts (ExpressVPN, Zee5, Shahid, Lingokids, Fiit)
✓Booking.com, IHG and car rental discounts (Rentalcars.com, Avis, Budget)
Offers and payment options
Quick cashAn Easy Cash facility is available at up to 2.50% per month, with cash withdrawal up to 30% of the credit limit under Qard Hasan (AED 105 per withdrawal transaction per AED 5,000).
Balance transferBalance transfer is available up to 90% of the credit limit or available balance, whichever is lower, at a rate of up to 2.50% per month.
Instalment planFlexible payment plans and retail installment plans run at up to 2.50% per month, with an AED 105 installment plan processing fee and no advertised 0% EPP.
Mawarid Falak Tayyeb Titanium Credit Card fees & charges
| Annual percentage rate (APR) | 37.72% |
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| Cash advance fee | AED 105 per withdrawal (cash profit 3.10% per month under Qard Hasan) |
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| Late payment fee | AED 175 (Commitment to Donate; VAT not applicable) |
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| Over-limit fee | AED 252.50 |
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| Foreign currency fee | 3.00% |
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| Minimum payment | Monthly Murabaha installment + current month profit + fees/charges + installment plan dues; if present balance < AED 100 min payment = present balance |
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| Interest-free period | Up to 24 days grace on retail; no profit-avoidance grace (Murabaha, profit pre-agreed) |
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| Card replacement fee | AED 52.50 |
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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 fits salaried customers around AED 5,000 a month who want a free-for-life Shariah-compliant starter card with cashback.
What works well
- ✓No annual fee ever, an accessible entry-level Islamic credit card
- ✓Cashback on grocery, dining and fuel despite being the entry tier
- ✓Flight-delay lounge protection, unusual at this tier
What to weigh up
- −High 3.10% monthly profit rate, around 37.72% APR
- −Low cashback caps of AED 100 per key category and AED 1,500 total per month
- −No regular lounge access and cash withdrawal limited to 30% of the limit
Mawarid Falak Tayyeb Titanium Credit Card eligibility
Applicants must be at least 21 and salaried individuals residing in the UAE; the Key Facts Statement cites the UAE Central Bank minimum monthly income of AED 5,000 (matching the AED 5,000 figure per third-party source), with DBR capped at 50% of gross salary (30% for pensioners).
▤Emirates ID▤Passport and residence visa▤Proof of income
Mawarid Falak Tayyeb Titanium Credit Card FAQs
Applicants must be at least 21 and salaried individuals residing in the UAE; the Key Facts Statement cites the UAE Central Bank minimum monthly income of AED 5,000 (matching the AED 5,000 figure per third-party source), with DBR capped at 50% of gross salary (30% for pensioners).
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 up to 10% cashback on Grocery, Dining and Fuel and 2% cashback on all other eligible local and international retail spend.
This card fits salaried customers around AED 5,000 a month who want a free-for-life Shariah-compliant starter card with cashback.
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.
