Mashreq Platinum Plus Credit Card

A points credit card by Mashreq earning 10 points per AED on groceries and dining, with lounge access and cinema perks.

Annual feeVAT included
AED 313.95

Top earnrewards rate
Up to 10 pts/AED

Min salaryfor eligibility
AED 5,000

FX markupforeign currency
3.14%

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Who Is This Card For?

Decision snapshot
Quick answer before the detailed explanation

Good fit if
You spend AED 3,000 or more monthly on groceries and dining combined.

Not ideal if
You prefer cashback rewards or spend mainly on utilities and education.

Watch out for
AED 313.95 annual fee is not waivable, requiring strong category spend to justify.

If you spend heavily on groceries and dining each month, this card offers 10 points per AED in those categories, which can add up quickly if you…

Calculate This Card’s Value

Earning Rates

Groceries
10 pts/AED

Dining
10 pts/AED

International
2 pts/AED

All Other Spends
2 pts/AED

Utilities
1 pts/AED

Education
1 pts/AED

Perks

Airport Lounge Access

Cinema Buy-1-Get-1 Ticket

Key Strengths and Weaknesses

Strengths

Earns 10 points per AED on groceries and dining with no cap.

AED 750 welcome bonus for new customers spending AED 5,000 in 60 days.

Includes lounge access and buy-one-get-one cinema tickets.

Watch out for

AED 313.95 annual fee with no waiver option available.

Utilities and education earn only 1 point per AED.

Practical eligibility requires AED 25,000 minimum monthly salary despite AED 5,000 stated minimum.

Fees & Conditions

Annual FeeAED 314

FX Markup3.14%

Minimum SalaryAED 5,000/mo

Welcome BonusAED 750. Spend AED 5,000 within 60 days.

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Frequently Asked Questions

Is the annual fee worth it?

The AED 313.95 annual fee is not waivable. If you spend AED 3,000 or more monthly on groceries and dining, the 10 points per AED can deliver value, especially with the AED 750 welcome bonus in year one. Lower spending makes it harder to justify.

How does the welcome bonus work?

New credit card customers earn AED 750 when they spend AED 5,000 within the first 60 days. Existing Mashreq credit card customers receive AED 200 under the same spend condition.

Does this card earn points on school or university fees?

Yes, education spending earns 1 point per AED. This is lower than the 10 points per AED on groceries and dining, so it's not a strong category for this card.

Can I use this card abroad?

Yes, international spending earns 2 points per AED. The card carries a 3.14% foreign exchange markup, which is standard for UAE credit cards.

What is the minimum salary to qualify?

The stated minimum is AED 5,000 monthly, but performance data indicates practical eligibility requires at least AED 25,000 per month.