FC
Foreign Currency
Up to 5.00%
Mashreq
Up to 5% cashback on all spends
- Annual fee
- AED 0
- Best earn rate
- 5.00%Default
- At AED 3,000
- AED 150 (5.0%)
- At AED 10,000
- AED 500 (5.0%)
- At AED 17,500
- AED 875 (5.0%)
Sources and verification
What this card page is based on
We show source links where we have them. If a field is missing, not verified, or changed by the bank after our last check, the official bank terms should be treated as the final source.
- Last verified
- Not verified yet
- Latest source fetch
- 31 Aug 2026
Rewards
Rates by category
Listed earn rates, spend bands, and caps from the latest source-backed rules for this card.
- Categories
- 5
- Best rate
- 5.00%
- Top cap
- AED 0
D
Default
Up to 5.00%
Spend tierRateCapNotes
Spend tier
Published reward rule
Rate
0.33%
Cap
No cap listed
0.33% cashback for government payments, utilities, education, charity, fuel, rental and telecom spends. Cashback is not applicable on bill payments made via Mashreq Online and Mobile Banking App. Effective 13 June 2026, this will change to 0.15% cashback.
SourceU
Utilities
Up to 0.33%
Spend tierRateCapNotes
Spend tier
Published reward rule
Rate
0.33%
Cap
No cap listed
0.33% cashback for government payments, utilities, education, charity, fuel, rental and telecom spends. Cashback is not applicable on bill payments made via Mashreq Online and Mobile Banking App. Effective 13 June 2026, this will change to 0.15% cashback.
SourceE
Education
Up to 0.33%
Spend tierRateCapNotes
Spend tier
Published reward rule
Rate
0.33%
Cap
No cap listed
0.33% cashback for government payments, utilities, education, charity, fuel, rental and telecom spends. Cashback is not applicable on bill payments made via Mashreq Online and Mobile Banking App. Effective 13 June 2026, this will change to 0.15% cashback.
SourceSpend tier
Published reward rule
Rate
0.15%
Cap
No cap listed
0.15% cashback on Education when category month spend is at least AED 0 per monthly.
SourceF
Fuel
Up to 0.33%
Spend tierRateCapNotes
Spend tier
Published reward rule
Rate
0.33%
Cap
No cap listed
0.33% cashback for government payments, utilities, education, charity, fuel, rental and telecom spends. Cashback is not applicable on bill payments made via Mashreq Online and Mobile Banking App. Effective 13 June 2026, this will change to 0.15% cashback.
SourcePartner offers and other perks
These are discounts, welcome bonuses, or financing offers. They are not card earn rates and are not used in the Optimiser or directory headlines.
20% cashback for the first 4 months on Netflix, Talabat, Careem and more
Stored as 20.00% · Default
50% off on Deluxe-Plus seats, up to 8 tickets per month
Stored as 50.00% · Default
Benefits
Lifestyle
Visa Mena Offers powered by Entertainer
Discount Program
2-1 deals on food, entertainment and shopping, PLUS 5,000 travel discounts
Conditions: Download Visa Offers MENA app from Google or iOS App Store
Partner: EntertainerProgram: Visa Mena OffersProgram: Entertainer
Rewards
Welcome Bonus - New Customers
Sign Up Bonus
AED 500 Welcome Bonus on the card when you spend AED 5,000 or more in the first 2 months post card issuance.
Conditions: For new credit card customers only. Must spend AED 5,000 or more in the first 2 months post card issuance.
Dining Cashback
Cashback
5% cashback on international and local dining spends
Conditions: Applies to dining purchases within assigned credit limit
Local Spend Cashback
Cashback
Up to 1% cashback on local spends
Conditions: Applies to local purchases within assigned credit limit
Enhanced Cashback on Select Merchants
Cashback
20% cashback for the first 4 months on Netflix, Talabat, Careem and more
Conditions: Max. cashback of AED 50 per merchant per month. First 4 months only.
Partner: NetflixPartner: TalabatPartner: Careem
Welcome Bonus - Existing Customers
Sign Up Bonus
AED 100 Welcome Bonus on the card when you spend AED 5,000 or more in the first 2 months post card issuance.
Conditions: For existing credit card customers only. Must spend AED 5,000 or more in the first 2 months post card issuance.
International Spend Cashback
Cashback
1% cashback on other international spends
Conditions: Applies to non-dining international purchases within assigned credit limit
Special Categories Cashback
Cashback
0.33% cashback for government payments, utilities, education, charity, fuel, rental and telecom spends. Cashback is not applicable on bill payments made via Mashreq Online and Mobile Banking App. Effective 13 June 2026, this will change to 0.15% cashback.
Conditions: Excludes bill payments made via Mashreq Online and Mobile Banking App. Rate changes to 0.15% from 13 June 2026.
Dining
DragonFly & Dine Programme
Dining Discount
Download Dine & Fly mobile app, register and enjoy dining discounts
Conditions: Must download and register on Dine & Fly mobile app
Program: DragonFly & Dine
Entertainment
Cinepolis Cinema Discount
Entertainment Discount
50% off on Deluxe-Plus seats, up to 8 tickets per month
Conditions: Valid until 31 Dec 2026. Up to 8 tickets per month.
Partner: Cinepolis
Finance
Interest Free Period
Payment Flexibility
Up to 57 days interest free period
Conditions: On qualifying purchases
Easy Payment Plan
Installment Plan
Enjoy shopping and the freedom to buy now and pay later with Easy Payment Plan
Conditions: Subject to eligibility and terms
Active promotions
No verified active promotions yet.
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