Mashreq Noon Credit Card
A no-fee cashback credit card by Mashreq offering 5% on shopping and groceries, plus 1% on all other spends.
Annual feeVAT included
Free
Free
Top ratebest category
5% shopping
5% shopping
Min salaryfor eligibility
AED 5,000
AED 5,000
FX markupforeign currency
3.14%
3.14%
Who Is This Card For?
Calculate This Card’s Value
Key Strengths and Weaknesses
Strengths
5% cashback on shopping and groceries with no monthly cap.
No annual fee, making it cost-free for all cardholders.
1% cashback on all other spending categories.
AED 500 welcome bonus for new customers spending AED 5,000 in 60 days.
Watch out for
3.14% foreign exchange markup makes international spending costly.
No elevated earn rates for dining, fuel, or travel.
Minimum salary requirement of AED 5,000 limits accessibility.
Earning Rates
Shopping
5%
5%
Groceries
5%
5%
Utilities
0.33%
0.33%
All Other Spends
1%
1%
Perks
Cinema Buy-1-Get-1 Ticket
Fees & Conditions
Annual FeeFree
Fee WaiverN/A — always free
FX Markup3.14%
Minimum SalaryAED 5,000/mo
Welcome Bonusfor new credit card customers: aed 500 welcome bonus when spending aed 5,000 or more in first 2 months. for existing cre…
Frequently Asked Questions
Is there an annual fee for the Mashreq Noon Credit Card?
No, this card has no annual fee, so you keep all your cashback without fee recovery concerns.
How much cashback do I earn on shopping and groceries?
You earn 5% cashback on shopping and groceries with no monthly cap. All other spending earns 1% cashback.
What is the welcome bonus and how do I qualify?
New credit card customers earn AED 500 when spending AED 5,000 or more in the first 60 days. Existing Mashreq credit card customers earn AED 100 under the same conditions.
Can I use this card abroad without extra charges?
You can use it internationally, but the 3.14% foreign exchange markup makes it expensive for overseas purchases.
What is the minimum salary required to apply?
You need a minimum monthly salary of AED 5,000 to qualify for this card.