noon VIP Credit Card

Ready-to-shop, instant digital card

No annual fee ever!

noon credit card

AED 500 cash bonus

when you get your card

Free delivery

on noon express orders

Accelerated cashback

up to 3.5% cashback

Get AED 500 on us!

Enjoy an exclusive joining bonus with the noon VIP Credit Card.
Mashreq noon VIP Credit Card comes with many attractive benefits including a AED 500 joining bonus for free!
For T&Cs please click here.

Free Delivery

Enjoy unlimited free next day delivery across UAE on all noon express orders.
Click here for more details

Enjoy Accelerated Cashback

1% cashback on noon Daily and other purchases
3.5% cashback on all noon purchases (except noon Daily purchases)
  - 2.5% cashback on the card
  - 1% cashback on noon VIP account

Get instant credit card

Instant Digital Card
No need to wait for card delivery to start shopping any more with the new Mashreq Instant Digital Card. For FAQs and T&Cs please click here.
Free for life - No annual fees on primary and supplementary cards.

No Hidden Fees

Annual fee
Free for life
Interest rates
3.45% p.m.
Minimum monthly payment
5% of your monthly statement balance
PayProtect insurance
0.99% of your monthly statement balance


Noon VIP Credit Card Terms & Conditions
To find out more, click here.
General Terms & Conditions
To find out more, click here.

Still got questions

If you received your Instant Digital Card would come pre-activated for you, with no need of activation. Please check Digital Card FAQs on how to use your Instant Digital Card. When you receive your physical card, please follow below steps to activate your card.
  • a. If you are already registered for Mashreq Mobile:
    Go to Mashreq Mobile > Left Menu > Card Control > Select your Credit card > Activate Card
  • b. If you are not registered for Mashreq Mobile:
    Download Mashreq UAE and click on “NEW USER SIGNUP”. The journey will automatically help you activate your card, generate your PIN and add your card to digital wallets
Yes, you will become a noon VIP Member automatically on the next day when your Mashreq noon VIP card is activated.
For more details and examples on cashback earning, please click here.
All your cashback earning will get accumulated on noon pay wallet. You can review details of cashback earning from noon pay wallet or noon account.
For refund transactions:
Cashback earned as part of Mashreq Cashback Program will be reversed in the next monthly cashback transfer to your noon pay account.
For noon VIP Cashback Program
  • If an order is returned within 5 days post-delivery, 1% cashback as part of noon VIP Cashback Program will not be earned for that transaction
  • If order is returned post these 5 days, cashback will not be reversed
Whenever your cashback is available on noon pay wallet, you can redeem the cashback towards your noon orders or noon merchant partners through noon pay.
For the above cashback earning example, if customer returns order on 12th Dec, 2020:
AED 2.5 cashback earned as part of Mashreq Cashback Program will be reversed in the next monthly cashback transfer to noon pay, by 8th Jan’2021.
There will be no reversal for AED 1 cashback earned as part of noon VIP Cashback Program.
No, there is no minimum spend requirement to earn cashback. You can earn cashback starting from first Dirham of spend.
All retails purchases made on your Card will be eligible for the cashback. Spends not qualified for cashback are:
  • Easy Cash
  • Balance transfers
  • Local cash advances
  • Credit card cheques
  • Finance charges
  • All fees charged on the Card by the Bank
  • Transactions reversed by Merchants
Utility bill payments like telephone bills, water and electricity bills made through the Bank's payment channels like Call Center, Mashreq Online, ATM, Mobile Banking, Branches or any other Bank's payment channel.

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