Arab Bank Platinum Mastercard
Lounge access at up to 1,200 airports with Mastercard Travel Pass
at Arab Bank's secure site
Confirm the annual fee with the bank — it is not published. Terms apply. See rates & fees.
Rewards rate
"Perk for perk, this is Arab Bank's most useful card short of the invitation-only World Elite: lounges, a Talabat discount every month, free Costa at DXB and real hotel and car-rental savings. The catch is that the bank never says what it costs — its fee schedule still prices a Mastercard Titanium instead."
Earning and redeeming Arabi Points
Arab Bank's Arabi Points programme pays 1 point per 2 on local and international spend alike, with monthly caps of 100,000 points locally and 300,000 internationally. Points redeem for cash at 60,000 points per 1,000, either instantly at an ATM or transferred to your account through Arabi Mobile and Arabi Online — roughly 0.83% back, and they expire after 24 months.
One caveat worth knowing: the published earning table names Arab Bank's Mastercards as Titanium and World Elite, not Platinum, even though the website only sells a Platinum Mastercard. Every named tier earns the same 1 point per 2, so the rate is almost certainly identical — but confirm it, along with the annual fee, when you apply.
Rates and fees
- Annual fee
- Not published. Arab Bank's fee schedule and KFS price a Mastercard Titanium at 300 ( 150 for life for Elite customers) but list no Platinum Mastercard — confirm before applying
- Supplementary card
- Free
- Interest rate
- 3.59% per month (about 43.08% a year) on the outstanding balance
- Interest-free period
- Up to 52 days on retail purchases when the full balance is paid by the due date
- Foreign transaction fee
- Up to 3% cross-border and foreign-exchange commission, plus the exchange rate
- Cash advance fee
- 3% of the amount, minimum 100
- Late payment fee
- 230
- Over-limit fee
- 275
- Minimum payment
- 5% of the statement balance or 100, whichever is higher
- Credit Shield insurance
- Optional, 0.5% of the total outstanding balance
Rates verified against Arab Bank's UAE Credit Cards Key Facts Statement and the Fees and Charges schedule dated 01/01/2025. All figures are quoted exclusive of 5% VAT. Neither document prices a Platinum Mastercard. Always confirm on the issuer's site before applying.
Card benefits
Mastercard Travel Pass lounges
Up to 1,200 lounges via DragonPass. One free visit, then each cross-border purchase unlocks three months of access.
20% off Talabat monthly
One order a month at 20% off with the promo code 'Mastercard'.
Hotel and travel savings
15% off IHG, up to 7% back on Booking.com and up to 20% off flights and hotels on Trip.com.
Car rental discounts
20% off Avis, up to 10% off Budget and 10% off Rentalcars.com bookings.
Purchase protection
Automatic cover against theft or accidental damage for 180 days from purchase.
Arabi Points
1 point per 2 anywhere; 60,000 points redeem for 1,000 in cash.
Pros and cons
- Mastercard Travel Pass lounge access at up to 1,200 airports, with one complimentary visit before any spend condition
- A deep bench of Mastercard partner offers: Talabat, Costa at Dubai airports, Heathrow Express, MyUS, Shahid, ExpressVPN and more
- Travel discounts worth using — 15% off IHG, up to 7% back on Booking.com, up to 20% off Trip.com, 20% off Avis
- Purchase protection against theft or accidental damage for 180 days
- Free supplementary cards, and automatic Arabi Points enrolment
- Arab Bank does not publish an annual fee for this card — its UAE fee schedule and Key Facts Statement list a Mastercard Titanium at 300 and a World Elite, but no Platinum Mastercard line
- Lounge access is conditional: after the first visit you need a cross-border transaction to unlock each three-month window, and the yearly cap is not published
- Guests are not covered — each person needs their own card and QR code or pays
- 3.59% per month (about 43.08% a year) and up to 3% on foreign spend
- Earning is the same 1 point per 2 as Arab Bank's free Visa Classic
Is it right for you?
Get this card if
- You want lounge access without paying a premium-tier annual fee.
- You order on Talabat, stay at IHG or Booking.com properties and rent cars abroad.
- You make at least one foreign-currency purchase every quarter, which keeps the lounge benefit unlocked.
Consider skipping it if
- You need to know the annual fee before you apply and won't chase the bank for it.
- You want guaranteed, unconditional lounge visits — these have to be unlocked and are capped.
- You travel with a partner or family: every guest is charged unless they hold their own card.
Alternatives to consider
A published 1,000 fee, 1,300+ Visa lounges, multi-trip travel insurance and 24-hour concierge — you know exactly what you're buying.
Best cards for lounge access →
Free for life with the same Arabi Points earning — no lounge, but no fee uncertainty either.
Best no-annual-fee cards →
A mid-tier alternative from another conventional bank where the fee, salary requirement and earning rates are all in print.
Best TouchPoints cards →Not sure which way to go? Put them side by side in our card comparison tool or browse the full ranked list.
Frequently asked questions
What is the annual fee on the Arab Bank Platinum Mastercard?+
Arab Bank does not publish one. Its UAE Fees and Charges schedule and Credit Cards Key Facts Statement list a primary Mastercard Titanium at AED 300 (AED 150 for life for Elite customers) and a Mastercard World Elite, but neither document has a Platinum Mastercard line — while the website sells a Platinum Mastercard and no Titanium. The most likely explanation is that the Titanium tier has been rebranded Platinum and the fee documents have not caught up, but we will not print a number the bank has not published. Ask for the fee in writing before applying.
Does the Platinum Mastercard include airport lounge access?+
Yes, through Mastercard Travel Pass powered by DragonPass, at up to 1,200 airport lounges. Platinum cardholders receive one complimentary visit up front. After that, each cross-border transaction of USD 1 or more unlocks three calendar months of complimentary lounge access and airport dining, subject to an annual cap that depends on card tier and is not published.
Can I bring a guest into the lounge?+
Not for free. Each cardholder, primary or supplementary, must show their own QR code from the Mastercard Travel Pass app to avoid guest charges.
How do I register for lounge access?+
Download the Mastercard Travel Pass app, register your Arab Bank Mastercard, then show the QR code from 'Access Lounge' on the Members Access page. Access can also be validated with the membership number in the app.
How many Arabi Points does the card earn?+
Arab Bank's Arabi Points table sets 1 point per AED 2 for every card tier in the programme except the Gold, on local and international spend alike — about 0.83% back, since 60,000 points redeem for AED 1,000. The table names the bank's Mastercards as Titanium and World Elite rather than Platinum, so confirm your card's earning rate with the bank.
Is purchase protection included?+
Yes. Mastercard purchase protection automatically covers purchases against theft or accidental damage for 180 days.
What are the borrowing terms?+
3.59% per month on the outstanding balance, up to 52 interest-free days on retail purchases when you pay in full, minimum payment of 5% or AED 100 (whichever is higher), late payment AED 230 and over-limit AED 275. All fees are quoted excluding 5% VAT.
What does it cost to spend in a foreign currency?+
Up to 3% cross-border and foreign-exchange commission on the transaction value, plus the exchange rate. That said, you need at least one cross-border transaction to keep the lounge benefit alive.
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank or card issuer, and have not been reviewed, approved or otherwise endorsed by any of these entities.