Mashreq Platinum Plus Credit Card
A points credit card by Mashreq earning 10 points per AED on groceries and dining, plus lounge access.
AED 313.95
Up to 10 pts/AED
AED 5,000
3.14%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend AED 10,000 or more monthly, mostly on groceries and dining.
Not ideal if
You prioritize travel spending or prefer cashback over points-based rewards.
Watch out for
Minimum salary requirement is AED 25,000, much higher than the advertised AED 5,000.
Calculate This Card’s Value
Earning Rates
10 pts/AED
10 pts/AED
2 pts/AED
2 pts/AED
1 pts/AED
1 pts/AED
Perks
Key Strengths and Weaknesses
Strengths
Earns 10 points per AED on groceries and dining with no caps.
AED 750 welcome bonus for new customers spending AED 5,000 in 60 days.
Includes lounge access and cinema buy-one-get-one-free offers.
Watch out for
Annual fee of AED 313.95 is not waivable at any spend level.
Minimum salary requirement of AED 25,000 limits eligibility for many applicants.
Only 1 point per AED on utilities and education, weak for these categories.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it for the Mashreq Platinum Plus Credit Card?
The AED 313.95 annual fee is not waivable, so you need consistent grocery and dining spend at 10 points per AED to justify the cost. The AED 750 welcome bonus for new customers can offset the first year's fee if you spend AED 5,000 in the first 60 days.
What is the minimum salary to qualify for this card?
The effective minimum salary requirement is AED 25,000 per month, significantly higher than the advertised AED 5,000 threshold shown in some materials.
How many points do I earn on groceries and dining?
You earn 10 points per AED spent on groceries and dining with no monthly or annual caps.
Does this card earn points on school or university fees?
Yes, education spending earns 1 point per AED, which is lower than the 10 points per AED on groceries and dining.
Can I use this card abroad without extra charges?
You can use the card internationally and earn 2 points per AED, but a 3.14% foreign exchange markup applies to all non-AED transactions.