noon VIP Credit Card

Ready-to-shop, instant digital card

No annual fee ever!

Up to AED 1000

welcome bonus

Free delivery

on noon express orders

Accelerated cashback

up to 5.0% cashback

Welcome Bonus

If you are applying for your first credit card with Mashreq, you will get AED 1000 (Offer valid between Mar 31, 2023-May 31, 2023) . If you have an existing credit card with Mashreq, you will get AED 100.
For T&Cs please click here. Note: Customers are required to spend minimum AED 4,500 within the first two months of card booking using their Mashreq Noon VIP Credit Cards for welcome bonus eligibility. The below does not apply to customers applying during the period March 31 – May 31, 2023: The welcome bonus for any new customer applying for their first credit card with Mashreq on or after January 15, 2023 is reduced from AED 1000 to AED 500.

Free Delivery

Enjoy unlimited free next day delivery across UAE on all noon express orders.

Enjoy Accelerated Cashback

•5.0% cashback on all noon purchases •5.0% cashback on all Sivvi purchases •5.0% cashback on noon Grocery and NowNow purchases on the card •1.0% cashback on other purchases on the card Note: - Transactions on Noon Food category will qualify for earning only 1% cashback - Cardholders will only be entitled to earn Cashback for monthly spends equal to or not exceeding the assigned credit limit on the Mashreq noon VIP Credit Card

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
3.33% p.m. for the first 6 months. Up to 3.69% p.m. thereafter
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

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Yes, you will become a noon VIP Member automatically on the next day when your Mashreq noon VIP card is activated.

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For more details and examples on cashback earning, please click here.

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All your cashback earning will get accumulated on noon. You can review cashback earning details on the My Accounts page on your Noon Account as noon credits.

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Cashback earned as part of the Mashreq Cashback Program will be reversed in the monthly cashback transferred to your Noon Account. You can review cashback earning/reversal details on the My Accounts page on your Noon Account.

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Instantly redeem your cashback at noon, noon Grocery, SIVVI, noon Food and noon in just minutes at the time of checkout.

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No, there is no minimum spend requirement to earn cashback. You can earn cashback starting from first Dirham of spend.

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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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