Mashreq Platinum Plus Credit Card
Earn an 750 welcome bonus + 10x Vantage points
at Mashreq's secure site
Terms & conditions apply. See rates & fees.
Rewards rate
"For groceries, fuel and eating out, 10 points per at an 5,000 salary floor makes this one of the easiest rewards cards in the UAE to justify. Just know the lounge and cinema perks sit behind an 7,000 monthly spend gate — and bills earn almost nothing."
Earning and redeeming Mashreq Vantage points
The Platinum Plus earns Mashreq Vantage points (the program formerly called Salaam Rewards) on every purchase: 10 points per at supermarkets, on fuel and dining, 2 points per on international and other local spends, and 0.5 points per on government payments, utilities, education, charity, rent and telecom. Bill payments made through the Mashreq app or online banking earn nothing.
Redemption is the program's strong suit: points convert instantly in the Mashreq Mobile App — or at the till at partner merchants — into airmiles, gift cards or cashback. Mashreq doesn't publish a fixed value per point, so what your 10x is really worth depends on the redemption you pick; cashback conversions are the benchmark to check before assuming outsized value.
Rates and fees
- Annual fee
- 313.95 incl. VAT ( 299 + 5% VAT), charged on activation; supplementary cards free for life
- Welcome bonus
- 750 for new Mashreq card customers ( 200 for existing) after 5,000 spend in the first 2 months
- Interest rate
- 3.85% per month (46.2% p.a. fixed) on unpaid balances
- Interest-free period
- Up to 57 days when the full balance is paid
- Minimum salary
- 5,000 per month
- Foreign transaction fee
- 2.89% on non- transactions, plus Visa charges as applicable
- Cash advance fee
- 3.15% of the amount (minimum 210)
- Late payment fee
- 241.50
- Overlimit fee
- 303.45
- Minimum payment
- 5% of the outstanding balance
Fees are VAT-inclusive figures from the Mashreq Cards Key Facts Statement (May 2026). Rates are indicative — confirm on Mashreq's site before applying.
Card benefits
Mashreq Vantage points on everything
Every spend earns Vantage points, redeemable instantly in the app for airmiles, gift cards or cashback — 10x at supermarkets, on fuel and dining.
Half-price cinema tickets
4 tickets a month at 50% off at VOX, Reel and Novo, plus 8 a month at Cinepolis until 31 December 2026 — after 7,000 monthly spend.
4 airport lounge visits a year
Access 1,000+ lounges worldwide, with one complimentary guest per visit, when you spend 7,000+ in the previous statement month.
10% off Make My Trip flights
Instant 10% off (up to 80) plus a 10% MMT-wallet bonus (up to 80) on bookings of 600+ with code MASHREQPP.
15% off Make My Trip hotels
Instant 15% off (up to 300) plus a 15% MMT-wallet bonus (up to 300) on bookings of 300+ with code MASHREQPP.
Pros and cons
- 10 Vantage points per on supermarkets, fuel and dining — one of the highest everyday earn rates in the UAE
- Accessible 5,000 minimum salary
- 750 welcome bonus for new Mashreq card customers ( 200 for existing)
- Supplementary cards free for life
- Up to 12 half-price movie tickets a month across VOX, Reel, Novo and Cinepolis
- Lounge access and movie discounts require 7,000 spend in the previous statement month
- Government, utility, education, rent and telecom payments earn only 0.5 points per
- High 3.85% monthly interest rate (46.2% p.a. fixed) if you carry a balance
- 2.89% foreign-currency markup plus card-scheme charges
- No points on bill payments made via Mashreq Mobile App or Online Banking
Is it right for you?
Get this card if
- Your monthly spend is concentrated on supermarkets, fuel and dining
- You earn 5,000+ and want a rewards card without a premium fee
- You regularly spend 7,000+ a month and will actually use the lounge and cinema perks
- You're new to Mashreq and can hit 5,000 spend in 2 months for the 750 bonus
Consider skipping it if
- Most of your card spend is rent, utilities, telecom or government payments — those earn 0.5 points per
- You spend under 7,000 a month and are counting on the lifestyle perks
- You spend heavily in foreign currency — the 2.89% markup adds up
- You'd rather have simple cashback than a points program
Alternatives to consider
No annual fee, 5% back on dining and no points math — Mashreq's simplest rewards card.
Best cashback cards →
Golf, valet, unlimited Fitness First and 12 lounge visits a year — built for 10,000+ monthly spenders.
Skywards Miles, lounge access and travel perks that reward frequent Emirates flyers directly.
Best Skywards 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 minimum salary for the Mashreq Platinum Plus Credit Card?+
Your monthly income should be a minimum of AED 5,000.
What is the annual fee on the Mashreq Platinum Plus Credit Card?+
The primary card fee is AED 299 + 5% VAT (AED 313.95), charged immediately upon card activation. Supplementary cards are free for life.
How do I earn and redeem rewards on the Platinum Plus Credit Card?+
Every local or international transaction earns Mashreq Vantage reward points — 10 points per AED at supermarkets, on fuel and dining, 2 points per AED on international and other local spends, and 0.5 points per AED on government, utility, education, charity, rent and telecom payments. Redeem instantly via the Mashreq Mobile App or at partner merchants for airmiles, gift cards, cashback and more.
How many complimentary airport lounge visits do I get?+
4 complimentary lounge visits per calendar year at 1,000+ lounges worldwide. You need AED 7,000+ in retail purchases on the card in the previous month's statement to use the benefit the following month. Each visit covers the cardholder, or the cardholder plus one complimentary guest.
Which spends count towards the AED 7,000 needed to unlock benefits?+
All purchases on the card, including supplementary card spend, count. Bank fees and charges, cash advances and Balance Transfer / Easy Cash transactions do not count.
What discount do I get on Make My Trip bookings?+
An instant 10% off flights (up to AED 80, minimum booking AED 600) and 15% off hotels (up to AED 300, minimum booking AED 300), plus a matching 10%/15% bonus credited to your MMT wallet (valid 60 days). Use coupon code MASHREQPP.
Do bill payments earn Mashreq Vantage points?+
No — bill payments made via the Mashreq Mobile App or Online Banking do not earn Vantage points. Points eligibility otherwise depends on the transaction's Merchant Category Code (MCC).
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.