Mashreq Al Islami Platinum Islamic Credit Card Sharia-compliant
A Sharia-compliant credit card by Mashreq Al Islami earning up to 5 points per AED on international spend and 3 points per AED on dining and groceries.
AED 682.50
Up to 5 pts/AED
AED 7,000
3.14%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend heavily on international transactions, dining, and groceries each month.
Not ideal if
You spend mostly domestically or focus on utilities and education payments.
Watch out for
Annual fee of AED 682.50 is not waivable regardless of spend.
Calculate This Card’s Value
Earning Rates
3 pts/AED
3 pts/AED
5 pts/AED
1 pts/AED
0.5 pts/AED
0.5 pts/AED
Perks
Key Strengths and Weaknesses
Strengths
5 points per AED on international spend with no cap.
3 points per AED on dining and groceries with no cap.
AED 1,500 welcome bonus for new customers spending AED 5,000 in 60 days.
Sharia-compliant with perks including lounge access, gym access, and cinema offers.
Watch out for
Annual fee of AED 682.50 is not waivable.
Education and utilities earn only 0.5 points per AED.
3.14% foreign exchange markup on international transactions.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 682.50 annual fee is not waivable, so value depends on your spend. If you spend heavily on international transactions at 5 points per AED and dining or groceries at 3 points per AED, the earning can justify the cost. The AED 1,500 welcome bonus for new customers helps offset the first year's fee.
How many points do I earn on international spending?
You earn 5 points per AED on international transactions with no cap. However, a 3.14% foreign exchange markup applies to all international spend.
Does this card earn on school or university fees?
Yes, education payments earn 0.5 points per AED. This is lower than the card's dining, grocery, and international rates, so it's not the strongest category for this card.
What is the minimum salary to qualify?
You need a minimum monthly salary of AED 7,000 to be eligible for this card.
How does the welcome bonus work?
New credit card customers receive AED 1,500 when they spend AED 5,000 or more in the first 60 days after card issuance. Existing Mashreq credit card customers receive AED 200 under the same spend condition.