Mashreq Noon Credit Card
A cashback credit card by Mashreq with 5% on shopping and groceries, plus no annual fee.
Free
5% shopping
AED 5,000
3.14%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend heavily on shopping and groceries and want uncapped 5% cashback.
Not ideal if
You mainly spend on dining, travel, fuel, or categories outside shopping and groceries.
Watch out for
3.14% FX markup reduces cashback value on international or foreign currency transactions.
Calculate This Card’s Value
Earning Rates
5%
5%
0.33%
0.33%
1%
Perks
Key Strengths and Weaknesses
Strengths
5% cashback on shopping and groceries with no monthly cap.
No annual fee, making it cost-free to hold and use.
AED 500 welcome bonus for new customers after AED 5,000 spend.
1% cashback on all other spends provides baseline earning.
Watch out for
Only 0.33% cashback on education and utilities, much lower than top categories.
3.14% FX markup erodes cashback on international or foreign currency purchases.
Minimum salary requirement of AED 5,000 may exclude some applicants.
Fees & Conditions
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Frequently Asked Questions
Is there an annual fee for the Mashreq Noon Credit Card?
No, the Mashreq Noon Credit Card has no annual fee, so you can hold and use it without any recurring cost.
How much cashback do I earn on shopping and groceries?
You earn 5% cashback on both shopping and groceries with no monthly cap, so your rewards grow with your spending in these categories.
What is the welcome bonus and how do I qualify?
New credit card customers receive AED 500 when they spend AED 5,000 or more in the first 60 days. Existing Mashreq credit card customers receive AED 100 under the same spend requirement.
Can I use this card abroad without losing cashback?
You can use it abroad, but the 3.14% foreign exchange markup will reduce your net cashback on international or foreign currency transactions.
Does this card earn cashback on school or university fees?
Yes, education spending earns 0.33% cashback, which is lower than the 5% on shopping and groceries but still provides some return.