Unlimited, up to 5% cashback

Your monthly income should be a minimum of AED 5,000.

The Mashreq Cashback Credit Card is free for life for Primary as well as Supplementary Card(s).

No, there is no minimum spend requirement to earn cashback

All retails purchases made on your Card will be eligible for the cashback. Spends not qualified for cashback are:

• 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.

The cashback will be calculated on your statement date. For example:
For customers with a statement date (billing cycle) on the 23rd - Spends posted between 23rd and 22nd of every month will be considered.

The cashback can be redeemed on achievement of a minimum of AED 100 as cashback balance.
You can easily redeem from Mashreq Online Banking.

Yes, the cashback earned has a maximum validity of 36 months from the date of earning. If the cashback is not redeemed within this period, it will expire.
Additionally, accumulated cashback will be forfeited in the below cases:
You have not earned or redeemed any cashback in last twelve (12) months or the Card account is delinquent.

Cashback will be earned on spends made on the supplementary card(s) as well. However, please note that the cashback can be redeemed only against the Primary Card account and will appear only on the statement of the Primary Card account.

The new cashback balance will appear in the monthly credit card statement. The cashback mentioned in the statement will be the cashback earned during that particular billing cycle.

The cashback earned can be redeemed upon your choice to the Credit Card account and will be applied directly to the outstanding balance of the card but does not count towards the minimum monthly payment on the card. The cashback is considered as a credit towards the card account and not as a payment, so you must still make the minimum monthly payment due on the card.