Eligibility Criteria to Apply for a Mashreq Bank Credit Card in UAE

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Do you want to apply for a Mashreq Bank Credit Card but don’t know what the eligibility requirements are?

Getting a credit card from Mashreq Bank involves meeting some basic criteria. Mashreq Bank is one of the leading banks in the UAE and offers competitive interest rates, rewards programs, and more.

The first requirement to apply for a Mashreq Bank credit cards is that you must be at least 21 years old and reside in the UAE. You should also have an income of at least AED 5,000 per month. Lastly, your debt burden ration should not exceed 40% of your Salary.

This guide will provide a detailed overview of all the eligibility requirements for applying for a Mashreq Bank Credit Card. Additionally, we will provide you with helpful tips to increase your chances of getting approved for your card quickly and hassle-free.

What Are the Eligibility Criteria to Apply for a Mashreq Bank Credit Card?

You are eligible to apply for a Mashreq Bank Credit Card if you are between the ages of 21 and 65 and meet the following criteria:

  • You have a valid United Arab Emirates (UAE) residence visa
  • You are an employee of a private, public or government organization
  • You have a minimum monthly income of AED 5,000
  • You have not been declared bankrupt in the UAE or any other country.

Additionally, you need to provide financial documents such as your salary certificate or pay slips when applying for a credit card.

By meeting all these criteria, you will be able to apply for a Mashreq Bank Credit Card that is tailored to your individual needs.

What Documents Do I Need to Apply for a Mashreq Credit Card?

In order to apply for a Mashreq credit card, you must provide identification documents and income documents.

To verify your identity, you will need to provide a valid passport or Emirates ID. This is a requirement for all applicants.

Lastly, you will need to submit your income documents: bank statement (previous 3 months) or salary certificate (last 3 months).

The minimal salary requirements vary depending on the type of card that’s being applied for;

1.Mashreq Cashback Credit Card

Mashreq Cashback card
Minimum Salary AED 5,000

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2. Mashreq Platinum Elite Credit Card

Mashreq Platinum Elite Credit Card

Minimum Salary Required AED 7,000

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3. Mashreq Solitaire Credit Card

Mashreq Solitaire Credit Card

Minimum Salary Required AED 25,000

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How Long Does It Take to Get Approval for a Mashreq Bank Credit Card?

After you apply and meet all the eligibility requirements set out by Mashreq Bank, the bank usually takes just seven to ten business days to process and approve (or deny) your credit card application.

To make sure you can take full advantage of their product offerings, there are a few steps to follow first:

  1. Complete a comprehensive credit check and assess your Credit Score
  2. Submit proof-of-income documents (e.g., pay stubs or tax returns)
  3. Verify your identity and nationality through an Emirate ID, passport or driving license
  4. Supply any additional information requested by the bank

If you meet all these criteria, then you can be confident your application will be processed swiftly, with a decision made within the business week – giving you access to Mashreq Bank’s fantastic range of products in no time!

What Is the Annual Fee and Other Charges Associated With a Mashreq Bank Credit Card?

When considering a Mashreq Bank Credit Card, it’s important to understand the annual fees and other charges associated. This will help you decide if the benefits of the card outweigh any fees.

The annual fee for a Mashreq Cashback Credit Card is AED 0

The annual fee for a Mashreq Platinum Elite Credit Card is AED 650.

The annual fee for a Mashreq Solitaire Credit Card is AED 1500.

In addition, there are other charges to keep in mind:

  • Cash Advance Charges: 2.15% of the amount withdrawn or AED 210, whichever is higher
  • International transaction fee: 2.79%
  • Late Payment Charges: Minimum of AED 241.5 inclusive Vat
  • Over Limit Fee: 2.5% of the over limit amount or AED 292.95 inclusive Vat
  • Supplementary Card Fees: AED 149 + Vat

It’s also important to understand that Mashreq Bank offers several different credit cards that come with various fees and benefits. Be sure to compare all of your options before applying for any card to ensure you get one that suits your needs.

What Rewards, Discounts and Additional Features Come With the Mashreq Bank Credit Card?

The Mashreq Bank Credit Card comes with several rewards, discounts and features that can help you manage your finances.

Here are just some of the perks you can enjoy with your Mashreq Bank Credit Card:

  • Cashback on your purchases: Get up to 5% cashback on purchases made in the UAE at select outlets.
  • Rewards program: Earn rewards points for every dirham you spend and redeem them for vouchers or airline miles.
  • Special discounts: Get exclusive discounts and offers from restaurants, fashion outlets and other stores across the UAE.
  • Easy payment plans: Enjoy 0% interest rates and convenient payment plans from select stores across the UAE.
  • Payment protection plan: Receive insurance coverage if you lose your job or become ill and unable to make payments on your Mashreq Bank Credit Card.
  • 24/7 customer service: Reach out to Mashreq Bank’s customer service team anytime you require assistance or have any questions about your account.

How Do I Pay My Credit Card Bills for a Mashreq Bank Credit Card?

When it comes to paying your Mashreq Bank Credit Card bills, you have a few options. It is important to note that all payments must be made within the due date every month to avoid late payment fees.

Online Payment Options

You can make your credit card payments through a variety of online platforms. You can make payments via the Mashreq Bank website, other banks’ websites, or even third-party payment services such as PayPal and Venmo.

Bill Payment Through ATM / Cash Deposit Machines

You can also pay your credit card bills with cash or through your checking/savings account at any Mashreq Bank ATM or Cash Deposit Machine (CDM). To do this, you will need to have your card with you and enter the required PIN for authentication. Once you’ve entered the payment amount and confirmed the transaction, you will receive a confirmation message on the screen which will serve as proof that your payment has been completed successfully.

Auto Debit Payments

You can also set up auto debit payments, which allow you to automatically pay your credit card bills every month without having to manually enter in any information each time. This option is ideal for those who want to ensure they never miss a due date as it eliminates any potential oversight on their part.


In conclusion, Mashreq Bank Credit Cards offer an array of advantages for users, from convenience of purchase to flexible repayment terms. While there are specific eligibility requirements for applicants to meet, those requirements are designed to ensure the safety of all cardholders and the guarantee of loyalty from cardholders that the bank is seeking. So if you’re considering applying for a Mashreq Bank Credit Cards, make sure you meet the eligibility criteria and then reap the benefits of a secure and convenient credit card.

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