Mashreq Solitaire Credit Card
Earn an 2,500 welcome bonus
at Mashreq's secure site
Terms & conditions apply. See rates & fees.
Rewards rate
"Solitaire's perk list is the most complete at Mashreq — golf, valet, limo transfers, Marhaba and an actual unlimited gym membership. But treat the 10,000 monthly spend gate as the real price of the card: clear it every month and the 1,575 fee looks cheap; miss it and you're paying premium fees for perks that bill back to your card."
Earning and redeeming Mashreq Vantage points
Solitaire earns Mashreq Vantage points (formerly Salaam Rewards) with a travel-first structure: 6 points per on international purchases, 4 points per on airlines, hotels and other travel, 2 points per on other UAE spends and 0.5 points on government payments, utilities, fuel, education, charity, rent and telecom. Bill payments via Mashreq's app or online banking earn nothing.
Points redeem instantly in the Mashreq Mobile App — or at the till at partner merchants — for airmiles, gift cards or cashback. Mashreq doesn't publish a fixed value per point, so check the cashback conversion rate in the app before assuming the 6x international rate beats a simple cashback card, especially since a 2.89% foreign-currency markup applies to those same international purchases.
Rates and fees
- Annual fee
- 1,575 incl. VAT ( 1,500 + 5% VAT); supplementary cards 630 each
- Welcome bonus
- 2,500 for new Mashreq card customers ( 500 for existing) after 9,000 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 income
- 25,000 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
12 lounge visits a year
1,000+ lounges via LoungeKey with one complimentary guest per visit — unlocked by a single international transaction over USD 1 in the calendar year.
Golf at 5 premium clubs
Complimentary rounds at Arabian Ranches, Abu Dhabi Golf Club, The Track Meydan, The Els Club and Jebel Ali — up to 2 weekend games per billing cycle with 10,000 monthly spend.
2 valet parkings per cycle
Dubai Mall, Mall of the Emirates, Ibn Battuta, DXB airport, Ferrari World, Yas Mall and more — with 10,000 spend in the previous statement.
6 airport transfers a year
Complimentary limousine to or from Dubai International and Abu Dhabi airports (max 1 a month), plus 6 Marhaba Silver meet & greets a year.
Unlimited Fitness First
Unlimited gym visits for primary and supplementary cardholders after 10,000 monthly spend — an 5 per-visit hold is auto-reversed within 60 days.
Multi-trip travel insurance
Buy your travel tickets on the card and get multi-trip cover for local and international trips of up to 90 days.
Pros and cons
- Genuinely broad premium perks: golf at 5 clubs, valet, 6 airport transfers, Marhaba meet & greet and unlimited Fitness First
- Strong 6 points per on international spend and 4 on airlines, hotels and travel
- 2,500 welcome bonus for new Mashreq customers
- 12 lounge visits a year with one complimentary guest, extended to supplementary cardholders
- 8 half-price cinema tickets a month at VOX, Reel and Novo with no minimum spend
- Nearly every perk (except cinema and lounge) needs 10,000 spend in the previous statement month
- 1,575 annual fee with no first-year waiver, and supplementary cards cost 630
- 25,000 minimum monthly income shuts out most applicants
- 2.89% foreign-currency markup undercuts the 6x international earn rate
- Domestic earn drops to 2 points per — and 0.5 on fuel, utilities, rent and government payments
Is it right for you?
Get this card if
- You consistently put 10,000+ a month on your card and will use the golf, valet and transfer perks
- You earn 25,000+ a month and want one card covering gym, lounges and airport logistics
- A large share of your spend is international or travel, where 6x and 4x rates apply
- You're new to Mashreq — the 2,500 welcome bonus alone exceeds the first year's fee
Consider skipping it if
- Your statement regularly lands under 10,000 — most perks will bill back to your card
- You want a fee waiver — the 1,575 fee applies from year one
- Your spend is mostly domestic essentials: 2 points per locally and 0.5 on fuel and utilities is weak
- You'd get more from simple cashback than from gated lifestyle perks
Alternatives to consider
Skywards Miles straight into your Emirates account plus premium travel perks — a more focused premium travel card.
Best travel cards →
Mashreq's everyday card: 10x Vantage points on supermarkets, fuel and dining for about a fifth of the fee.
No annual fee and 5% back on dining — simple value with no spend gates to track.
Best cashback 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 income for the Mashreq Solitaire Credit Card?+
Your monthly income should be a minimum of AED 25,000.
How do I earn and redeem rewards on the Solitaire Credit Card?+
Every transaction earns Mashreq Vantage points — 6 points per AED on international purchases, 4 on airlines, hotels and travel, 2 on other UAE spends and 0.5 on government, utility, fuel, 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 airport lounge visits do I get?+
12 complimentary visits per calendar year at 1,000+ lounges via LoungeKey, provided you make at least one international transaction over USD 1 in the calendar year (it can take up to 15 days to reflect). Without it you get 2 visits a year. Each visit covers the cardholder or the cardholder plus one complimentary guest, and supplementary cardholders are included.
How does the unlimited Fitness First benefit work?+
Spend AED 10,000+ on the card in the previous month's statement to get unlimited complimentary Fitness First visits the following month, for both primary and supplementary cardholders. AED 5 is charged per visit and automatically reversed within 60 days. If you miss the spend threshold, each visit costs AED 50.
How many complimentary airport transfers do I get?+
6 complimentary limousine transfers per calendar year (maximum 1 a month) to or from Dubai International and Abu Dhabi airports, after AED 10,000+ spend in the previous statement. Book via the Mashreq call centre at least 4 business days in advance; extra or unqualified rides are billed to the card.
How does the golf benefit work?+
Complimentary golf per billing cycle at Arabian Ranches, Abu Dhabi Golf Club, The Track Meydan, The Els Club and Jebel Ali Golf Club, with a maximum of 2 weekend games per cycle and AED 10,000+ spend in the previous cycle. Book 15–21 days ahead; buggy, equipment, caddy and F&B costs are yours, and no-shows count against your monthly allowance.
Which spends count towards the AED 10,000 needed to unlock benefits?+
All purchases on the primary and supplementary cards count. Bank fees and charges, cash advances and Balance Transfer / Easy Cash transactions do not.
What is the annual fee on the Solitaire Credit Card?+
AED 1,500 + 5% VAT (AED 1,575) for the primary card and AED 600 + 5% VAT (AED 630) per supplementary card.
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.