Tradition, modernity and unmatched benefits Apply now

Mashreq Al Islami Platinum Credit Card – A credit card that is Shari'ah compliant and brings you convenience, rewards and peace of mind.
Mashreq Al Islami Platinum Credit Card balances tradition with modernity and offers you unmatched benefits that are clear, easy to understand and above all, Shari'ah compliant.

Instant Card at Go Branches

Walk into any of our Go Branches and walk out with the Mashreq Al Islami Platinum Credit Card in 30 minutes.

Mashreq Salaam Rewards

Earn while you spend using Mashreq Al Islami Platinum Credit Card
Mashreq Salaam Rewards is Mashreq's revolutionary loyalty program that rewards customers for simply using financial solutions from Mashreq.
As a Mashreq Al Islami Platinum Credit Card member you will earn Mashreq Salaam Points every time you use your Mashreq Al Islami Platinum credit card.
Get 3 points for every dirham of domestic retail spends and 6 points for every dirham equivalent of international retail spends.
What's more, all Domestic and International retail spends on your Supplementary Credit Card(s) will also earn you Salaam Points. Simply use your Mashreq Al Islami Primary and Supplementary Credit Cards and reward yourself with Salaam Points automatically.
Not only earning, but also redeeming your Salaam points is very easy. We also give you unlimited flexibility to INSTANTLY redeem any amount of points through POS (Point-of-Sale) machines at selected retail and travel partners. So now you can choose your own rewards based on the points you've earned.

Choose from the largest selection of top brands across all lifestyle categories such as electronics, jewellery, fashion, cafes & restaurants, travel, home furnishing, department stores & supermarkets, pharmacies, shoes & leather, health & beauty, office supplies and entertainment. So whether you want to buy airline tickets for your family vacation, buy a new 3D TV, pick out jewellery for your loved ones or simply go for grocery shopping, you can easily do so using your Mashreq Salaam Points.

To get started, visit the Salaam website to use the new Islamic point's calculator to see how quickly your monthly points can add up, or visit the Redeem Points section to see what you can use your points for. You are sure to find your favorite outlet to use your Salaam Points. Use it now and experience the magic of INSTANT redemption.

Mashreq Flavours

Dining experiences will never be the same

Get up to 50% discount on Dining at 1800 restaurants in UAE and 1,300 restaurants in Qatar, Oman, and India. All you have to do is use your Mashreq Al Islami Platinum Credit Card to enjoy a wide range of cuisines from Arabic, Asian, Mexican, International, Italian, Oriental Chinese, Indian and European.

That's not all; you will even get the chance to win back the value of your meal every month.

And during the holy month of Ramadan a variety of exclusive offers will be made available.
Visit Mashreq Flavours now

Travel Offers

Save while you travel

Pay with your Mashreq Al Islami Platinum Credit Card to enjoy fabulous discounts, exclusive offers on air tickets and holiday packages through our travel partners.
What's more, you will also earn Salaam points on your travel spend.
For details, Visit Mashreq Travel now

Travel Takaful

Peace of mind while travelling

Whether you are hiking in the fjords and mountains of Norway or climbing the Sydney Harbour Bridge or just planning a short sailing trip to Musandam, don't let unforeseen events ruin your travel plans. Get instant peace of mind with Travel Protect, a first-of-its kind Shari'ah compliant complimentary Travel Takaful solution from Mashreq, offered on Mashreq Al Islami Primary and Supplementary cards.

With your Mashreq Al Islami Travel Protect , you enjoy complimentary Travel Takaful and Wallet Protection for yourself and your Supplementary-card holders when you travel abroad:

  • Complimentary multi-trip Travel Takaful
  • Free Wallet Protection
  • Cover for personal accident, emergency medical and dental expenses (medical expense cover also extends to up to 4 children and 10% of Takaful value)
  • Cover against baggage loss & delays, flight cancellations and curtailment and loss of travel documents
  • Emergency Card replacement anywhere in the world

The table below lists the key benefits available to you under Travel Takaful

Details of Coverage for Mashreq Al Islami Platinum Credit Card



Age Limit

Up to 65

Pre existing medical condition


Length of trip (in days)


Free 24hr medical helpline


Personal Accident Cover
(Accidental Death Common Carrier Only)


Permanent Total Disability
(Accident - Common Carrier Only)


Permanent Partial Disability
(Accident - Common Carrier Only)


Emergency Medical expenses
(Accident & Sickness)


Emergency Dental Expenses


Emergency Medical Evacuation


Personal Liability


Legal Expenses




Departure delayed
- delay in excess of 6 hours (up to 12 hours)


(Maximum 21 days, per day limit)


Baggage - delay
(in excess of 6 hours [up to 12 hours])

$100 per hour

Baggage - loss
(Limit Per Item: USD 550)


Loss of Travel Document and Passport


FREE Worldwide Assistance Service


Legal and Medical Assistance Services
as described


Fraudulent Transactions


Please note: For emergency medical expenses, flight cancellation/curtailment, delayed departure, baggage delay, baggage loss, loss of travel documents & passport and fraudulent transactions, the insured customer has to bear the cost of an Excess or Deductible i.e., an amount for each claim of this type under the policy. SALAMA - Islamic Arab Insurance Company Insurance shall deduct this amount from the adjusted loss before making the final payment of claim. Please click here to review the applicable Excess/Deductible amounts
DISCLAIMER: Conditions Apply. Travel Takaful and Wallet Protection shall at all times be subject to the terms and conditions of the policy contract issued by SALAMA - Islamic Arab Insurance Company. All product features, benefits, returns are offered by SALAMA - Islamic Arab Insurance Company and not by Mashreq Al Islami which is the Islamic Banking arm of Mashreq (Mashreq Al Islami Finance Company PJSC and Islamic Banking Division, Mashreqbank PSC). Mashreq Al Islami shall not be responsible for Takaful providers actions or decisions nor shall Mashreq Al Islami be liable regarding payment of claims or services under the policy/insurance contract.


Click here to check Travel Takaful and Wallet Protection FAQs

Click here to check claiming your Travel Takaful benefits is easy


For your entire Claim Assistance & Help lines

For Travel Takaful Certificates : Please send an Email to - Dexter Reyes or - Anisa Michelle Dsouza

The following documents and information are required to issue a personalized Travel Takaful Certificates:
  • Customer Name(s)
  • Countries (territories) to be visited
  • Contact details (Telephone, Email, Physical address)
  • Itinerary Dates
  • Scanned copy of the front side of the single Debit or Credit Card used to purchase the entire round trip
For Claims: Please send an Email to – Shahida Khan or - Muhammad Hisham Tipu

For situations that require immediate assistance (listed below), please contact for Assistance at + 49 89 500 70 2096

  • Emergency Medical Treatment
  • Medical Transportation
  • Repatriation of Insured Persons Repatriation of mortal remains Personal Liability
  • Legal assistance in case of redress

Profit-Free Easy Payment Plan

How about a little flexibility in life?

Over 100 brands. Over 1000 partner outlets. When it comes to shopping for furniture, electronics, jewellery and more let your Mashreq Al Islami Platinum Credit Card give you the convenience to repay with UAE's largest profit free payment plan. Simply split your large purchases into smaller profit-free payments over a range of available tenures. This flexibility also extends to purchases made by your Supplementary Credit Card members.
Visit UAE's largest easy payment plan now

Contribute for Good

At the heart of all you do

Using a credit card has never been so satisfying.
As you enjoy using your Mashreq Al Islami Platinum Credit Card, you also make a difference to the lives of others who are underprivileged.
Here's how - For every AED 100 of retail spends by you on the Mashreq Al Islami Platinum Credit Card, we will contribute 10 fils to select charities. So you know that each transaction you make is contributing to the lives of the underprivileged thus making every transaction even more valuable and gratifying.

Additional Benefits

Apart from the convenience, redemption rewards and charitable association of your Mashreq Al Islami Platinum Credit Card, here are a few extras that add to your benefits.

Supplementary Credit Cards

Share with your loved ones the convenience and privileges of your Mashreq Al Islami Platinum Credit Card with a Free for Life Supplementary Credit Card.

A Credit Card that allows you the flexibility of assigning the credit limit on your Supplementary Card to help manage your finances prudently. You can gift regular Supplementary Cards to your loved ones above 16 years of age – Absolutely Free for Life. This is the only Credit Card in the UAE that provides Travel Takaful and Wallet Protection to Supplementary Card members for international travel at no cost.

Teenage Supplementary Cards

Why not gift a Supplementary Credit Card to the teenager in the family?

Now you can give your son, daughter or even siblings over 16 years a Teenage Supplementary Credit Card. The Teenage Supplementary Card comes with a special youthful design and an initial spend limit of AED 1000.
You will have peace of mind knowing your loved ones will always have access to cash in case of an emergency.
You can gift up to 8 Supplementary Credit Cards including Teenage Cards to your family members.

Airport Lounge Access

Enjoy complimentary access to the finest airport lounges across the Middle East. Up to two children below twelve years of age will be allowed to enter the lounge on a complimentary basis when they are accompanied by a Primary card member.

EGYPT – Cairo International Airport VIP Lounges at Terminal 1 and 3
JORDAN – Queen Alia International Airport Amman, Crown Lounge
KUWAIT – Kuwait International Airport Pearl Lounge
SAUDI ARABIA – Dammam International Airport First Class Lounge (Foreign Airlines)
SAUDI ARABIA – Jeddah International Airport First Class Lounge (Foreign Airlines - North Terminal)
SAUDI ARABIA – Riyadh International Airport 'Premier Lounge' in Terminal 1 (Foreign Airlines) UAE – Dubai International Airport Marhaba Lounges at Terminal 1 and 2 and in Terminal 3 (Concourse A and B)

Utility Bill Payments

Discover the power of convenience. Pay your utility bills sitting in the comfort of your home. You can use Mashreq Al Islami Platinum Credit Card to make Utility Bill Payments.

More benefits on your Card!

Premium Offers from MasterCard

Your Mashreq Al Islami Platinum Credit Card brings you a wealth of premium offers courtesy of MasterCard. With the Mashreq Al Islami Platinum Credit Card you also enjoy:

  • Complimentary Purchase Protection: The Insurer will pay for the loss of Covered Purchases due to Accidental Damage or Theft, occurring within ninety (90) days from the date of purchase as indicated on the store receipt, up to the Per Occurrence Limit, and subject to the Annual Aggregate Limit per Cardholder
  • Covered Purchases given as gifts are covered
  • Covered Purchases include internet purchases
  • Covered Purchases do not have to be registered
  • Complimentary Extended Warranty: Upon the expiration of the Manufacturer's Warranty, the Extended Warranty Benefit duplicates the terms of the original Manufacturer's Warranty up to one (1) full year for Covered Purchases that cease to operate satisfactorily and require repairs during the Policy Period. Benefits are provided to pay for the repair or replacement of a Covered Purchase, up to the amount charged for the item or Per Occurrence Limit, whichever is less, subject to the Annual Aggregate Limit
  • Complimentary Fraud Protection:
    • a) If Cardholders' Eligible Card is lost, or is the object of a theft, we will reimburse the Cardholder for the unauthorized charges, for which the Cardholder is responsible, on Cardholders' Eligible Card, up to 24 hours prior to the Cardholder first reporting of the event to the Issuer(s).
    • b) If the Cardholders' Eligible Card is still in the Cardholders' possession and unauthorized charges are made on the Cardholders' bank account and/or credit account, through:
      • In-store,
      • Telephone,
      • ATM withdrawals, and/or
      • On-line purchase(s), using Cardholders' Eligible Card information, Insurer will reimburse the Cardholder for the unauthorized charges, for which the Cardholder is responsible, which are incurred up to two months prior to the Cardholder first reporting the event to the Issuer(s).

Convenience to pay your Mashreq Al Islami Platinum Credit Card bills through various payment channels

With your Mashreq Al Islami Platinum Credit Card you will not have to go far to make your card payments. With the largest number of repayment locations in the UAE, we ensure your valuable Mashreq Al Islami Platinum Credit Card gets across to the location convenient to make payment. You have various options to make Credit Card bill payments easily through

Mashreq CCDMs, branches, and at any partner Exchange Houses. You can also make payment through call centre, cheques or online if you have a Mashreq Al Islami account.

Free Online and Phone Banking

Check your account details, view and download statements, make bill payments and much more. You can even request services such as statement reprints and additional cards at

All this comes to you with an annual fee of AED 500 on your Mashreq Al Islami Platinum Credit Card. There will be a monthly fee of AED 300. However, you will enjoy a 100% rebate on monthly fees whenever you settle monthly outstanding in full within the payment due date.

FAQ's & Terms and Conditions

Click here for FAQ's
Click here for Terms & Conditions

  • Any variation, alteration, modification, and/or amendment to the terms and conditions shall be published on the "Bank's" website: and shall supersede the earlier terms and conditions communicated to the "Cardholder"
  • The offers listed on the website, will be the valid offers at any point in time during the promo period. These offers may keep on changing during the offer period and for an updated list of all offers, customers should visit the website before deciding to avail the relevant benefit. Mashreq shall not be liable for honoring any discount/benefit in case the offer no longer exists on the website.

Schedule of Charges

Platinum Credit Card Charges (AED)
Principal Annual Fee AED 500
Monthly Fee* (Monthly Fee is waived at the sole discretion of the Bank upon full payment within payment due date) AED 300
Supplementary Annual Fee AED 0
Maintenance Fee No Charge
Minimum Payment At least 5% of the outstanding balance or AED 50.00
Auto Payment 5% or 100%
Card Replacement Fee AED 150
Returned Cheque Fee AED 300
Late Payment Fee AED 279 (with effect from April 18, 2015)
Overlimit Fee AED 279 (with effect from April 18, 2015)
Cash Advance Fee AED 100 per transaction
Additional Copy of Statement Fee AED 15
Foreign Currency Conversion Fee ~3.19% (with effect from April 18, 2015)
Profit Rate – Retail 0% (N.A)
Profit Rate – Cash Advance 0% (N.A)
SMS Service No Charge
Processing Fee for Profit Free EPP Offers 0%
Profit Free EPP (Installment Plan) Cancellation AED 100
Credit Card Payment at Mashreq Branches AED 25
Credit Card Payment at 3rd Party Locations No Charge
International Card Delivery AED 200

Your Credit Cards are now more secure!

Your Mashreq Credit Cards are now equipped with the new Chip & PIN technology, which provides an added level of security through the use of a unique Personal Identification Number (PIN) for retail purchases & cash withdrawals. Please click here for more details.

For any queries or billing information, call our 24-hour line at +9714 424 4411, walk into any Mashreq branch or visit

This information is subject to change. Mashreq reserves the right to change its rates and pricing at any time. Any such change will be updated on the website

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