Platinum Elite Credit Card

Worldwide access to airport lounges

and all for free!

MAI Platinum Elite Visa tilt

Salaam points on all your spends

local or international

Complimentary access to Fitness First

up to 8 visits a month

Free airport transfer

in Dubai & Abu Dhabi

Fitness First Access

Enjoy 8 complimentary visits per billing cycle to Fitness First with your Mashreq Al Islami Platinum Elite Credit Card. Simply spend a minimum of AED 7,000 in your previous billing cycle. T&Cs. List of Outlets.
gym

Earn more Salaam Points for your travel spends

Enjoy 5 Salaam Points per AED spent internationally in non-AED currency.
Enjoy 3 Salaam points per AED spent on dining and supermarket purchases in AED currency.
Enjoy 1 Salaam Point per AED on other local spending. Salaam points cannot be earned on bill payments via Mashreq Online or Mashreq Mobile.

50% discount on movie tickets

Get 4 half-price tickets across VOX, Reel and Novo Cinemas every billing month! Simply spend a minimum of AED 7,000 in the previous billing cycle to enjoy the benefit. Click here for details
Reel-cinema-offer

Lounge Access

Enjoy access to more than 1000+ lounges worldwide with your Card. Simply spend AED 7,000 or more in your previous billing cycle and enjoy up to 2 complimentary lounge visits in the current billing cycle month (up to 8 complimentary visits per year).T&C's
lounge-access

The convenience of airport transfer

Enjoy 3 complimentary Limousine Services every calendar year on your card, with a maximum of 1 service in a month. Simply spend AED 7,000 and more in your previous billing cycle. T&C’s.

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Still got questions

Mashreq Al Islami credit card is a Shari’ah compliant credit card from Mashreq Al Islami based on the Islamic law which means that no interest is charged on the outstanding amount. It is governed by the Shari’ah concept of “TAWARRUQ”; Tawarruq is a financial transaction in which a customer purchases a commodity from a seller/bank on a deferred payment basis, and then sells the same commodity to a third party on a spot payment basis.
It means that the Credit Card is designed and developed under the Islamic laws; which is approved by the Shari’ah supervisory board. Mashreq Al Islami Credit Cards work like conventional credit cards; however, Mashreq Al Islami credit cards are Shari'ah compliant cards (no interest, no hidden cost). If the customer makes a full payment of the card outstanding on or before the due date, then the customer will not be charged any Profit amount, however if the customer chooses to pay the minimum outstanding, the Tawarruq Profit rate will be applied on the remaining balance through commodity trade.
Yes; since the Mashreq Al Islami Platinum Elite Credit Card is based on Shari’ah principles, it cannot be used for transactions prohibited by “Islam” such as gambling, alcohol and transactions at clubs, Pubs and Casinos etc. Such transactions will not be considered and will be declined immediately.
Tawarruq (commodity Murabaha) - Customer buys an easily saleable asset at a marked-up price, to be paid at a later date, and quickly sells the asset to raise cash. • Tawarruq profit rate – If the client chooses to settle only the minimum of the total amount due, the Bank and the customer will enter into Murabaha transaction(s), and in this event the statement sent to the Customer shall be treated as an offer from the Bank to the Customer for the Murabaha transaction. Bank will sell certain commodities after the due date, that it owns and which maybe a share of bulk metal stock; to the customer at a cost plus profit basis (“Murabaha Selling Price”) which will be the aggregate of the Murabaha cost and the profit that the bank shall charge on the Tawarruq for each billing cycle at the Tawarruq Profit Rate (“Tawarruq Profit”). In case such sale is not objected by the Customer, within 3 days from the issue date of the statement, it will be regarded as deemed acceptance from the Customer. Post acceptance of the Customer, Bank will communicate the offer to sell to the broker and, once accepted by the broker, Bank will set-off the outstanding Murabaha Selling Price against the sale proceeds (received from the sale to the broker), and the Bank creates a receivable of Tawarruq Profit towards the customer with Tawarruq. In this sale, Bank will be messenger and facilitator (as described further in the Additional Terms and Conditions applicable across all Islamic Products). The Cardholder/Customer can check the Quantity and Type of the Commodity used in the Tawarruq Transaction(s) from MAI website. • If the Cardholder pays the full outstanding balance on or before the due date, no Tawarruq shall take place, in which event the statement sent to the Customer shall not be considered as an offer from the Bank to the Customer for the Murabaha transaction.
Click here for Terms and Conditions of Smart Assure Takaful (insurance) Click here for the Smart Assure Takaful Claim Form
You will earn Salaam Points on all spends made on your Platinum Elite Credit Card. The Salaam points earned by you can be redeemed instantly online or at any of our partner outlets. Please visit www.mashreq.com/salaam for redemption options.
You need to make total purchases of AED 7,000 or more on your Platinum Elite Card in the previous month’s statement to enjoy up to 8 complimentary visits to Fitness First in the following month. Both Primary and Supplementary Cardholders are eligible for this benefit. Purchases made on the Primary Card as well as the Supplementary Cards are included for calculation of the AED 7,000 spend threshold. Please note that AED 5 will be charged on your Mashreq Platinum Elite credit card for every complimentary visit to a Fitness First outlet, which will be automatically reversed within 60 days If the minimum spend requirement is not met, a fee of AED 50 will be applicable for every visit to Fitness First. 
You are entitled to enjoy 3 complimentary Limousine Services every calendar year on your Platinum Elite Card, with a maximum of one service in a month. Any additional services used over and above the monthly or yearly allowance will be billed to your Card. You need to make total purchases of AED 7,000 or more on your Platinum Elite Card in the previous month’s statement to enjoy this service in the following month.
If the minimum spend requirement is not met, the usage fee for this service will be billed to your Platinum Elite Card. Usage fee to vary as per the pick up or drop off location.
You need to call the Mashreq Al Islami Call Centre at least 4 business days in advance from the date & time of pick up/drop off. The Call Centre number is printed on the back of your Credit Card. The bank’s Call Centre representative will ask for your travel details to share with the service provider. Upon confirmation, the service provider will send an email confirmation to your registered e-mail ID, and share details of your chauffeur over SMS 12 to 24 hours before the pick-up time. You will then need to coordinate with the chauffeur to receive the service.
You can enjoy 8 complimentary airport lounge visits in a calendar year with a maximum of 2 visits in a billing month. You need to make total purchases of AED 7,000 or more on your Platinum Elite Card in the previous month’s statement to receive this service in the following month. Visits are applicable for the Cardholder or the Cardholder and guest (only one complimentary guest per visit)
All purchases on your Platinum Elite Credit Card, including Supplementary, will be eligible and counted against the minimum purchase amount required to enjoy the complimentary benefits. Bank Fee/Charges, Cash advances and Balance Transfer/Easy Cash transactions will not be counted under the minimum purchase amount. 
Total purchases on your Platinum Elite credit card as per the billing statement will be considered to unlock complimentary benefits for the next billing month. For example, your statement for the month of March 2021 generated on 14th April 2021 and you have made total eligible purchases worth AED 8,500 as per the statement. Since you have achieved the minimum purchase amount in the March statement, you will be eligible to avail complimentary benefits like Fitness First, Airport Lounge and Airport Transfer within the April billing month (starting 15th April to 14th May 2021)
1. Turn your purchases into Easy Payment Plans with UAE’s largest EPP Platform. To apply please call 04 424 4411. 2. Balance Transfer facility 3. Easy Cash facility 4. Utility Bills Payments – Discover the power of convenience. Pay your utility bills, sitting in the comfort of your home using your Mashreq Al Islami Platinum Credit Card 5. Cash Advance Facility – As a Mashreq Al Islami Platinum Credit Card number you will be eligible for a cash advance facility of up to 50% of your credit limit subject to a maximum cash withdrawal of AED 3000 per transaction with a charge of AED 100 per withdrawal. 6. Free Online and Phone Banking - Check your account details, view and download statements, make bill payments and much more. 7. Complimentary Fraud Protection: If the 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).
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).
We understand that time is precious, and we bear this in mind in all we do. Therefore, we offer you clear payment convenience by giving you the option to make your payments through a variety of channels, however, please bear in mind the following important points: - Please don't lend your Credit Card to anyone - Please destroy all carbons and incorrect receipts - Try to avoid giving your Credit Card details over the phone - Never sign a blank charge slip/receipt - On your charge slips, always draw a line through blank spaces above the total, so the amount cannot be changed - Please check your billing statements with your charge slips/ receipts - If there are any questionable charges on your statement, please call Mashreq Al Islami Direct Banking Centre and inform us of your concerns - Notify us in advance in case of a change in your address by calling us - If your Credit Card is lost or stolen, contact Mashreq Al Islami Direct Banking Centre at 04 424 4411 immediately.
You can file a dispute for a Credit Card transaction by filling required details in the dispute form. Download the form and email the complete, signed form at Dispute@Mashreq.com

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