Al Masraf Credit Cards are packed with exciting features and benefits which makes your shopping experience truly rewarding!

Apply now

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Key Facts Statement (PDF)

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Terms and Conditions

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Premium Airport Lounge access

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Global Liefstyle Concierge 24/7

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Rich loyalty points easily converted to cash back

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Free Travel Insurance & Collison damage coverage

custom-icon Features & Benefits
Card 2

Al Masraf Mastercard

World Elite

Card 3

Al Masraf Mastercard

World

Card 4

Al Masraf Mastercard

Platinum

Al Masraf Reward Points

Card 2

0.735 pts per 1 US$ - International spends
0.735 pts per 1 US$ - Local spends
(Equivalent to %1 Cashback)
NO MAX CAP

Card 3

0.735 pts per 1 US$ - International spends
0.735 pts per 1 US$ - Local spends
(Equivalent to %1 Cashback)
NO MAX CAP

Card 4

0.735 pts per 1 US$ - International spends
0.735 pts per 1 US$ - Local spends
(Equivalent to %1 Cashback)
NO MAX CAP

Digital Wallets
(Apple Pay, Google Pay
and Samsung Pay)

Card 2

Yes

Card 3

Yes

Card 4

Yes

Concierge

Card 2

Yes
7/24 Global lifestyle
managers service

Card 3

Not Applicable

Card 4

Not Applicable

Contactless

Card 2

Yes
Up to 500 without PIN

Card 3

Yes
Up to 500 without PIN

Card 4

Yes
Up to 500 without PIN

Careem Rides to Airport

Card 2

Yes
4 complimentary rides per year (UAE only).
**Careem (Notes to Issuer):

Card 3

Yes
1 complimentary ride per year.
**Careem (Notes to Issuer):

Card 3

Not Applicable

Airport Lounge Access

Card 2

Yes
Make an international spend of USD 1 or its local equivalent to activate this feature.
14 per year
App Reg: Mastercard travel pass app

Card 3

Yes
Make an international spend of USD 1 or its local equivalent to activate this feature.
8 per year
App Reg: Mastercard travel pass app

Card 4

Yes
Make an international spend of USD 1 or its local equivalent to activate this feature.
4 per year
App Reg: Mastercard travel pass app

Priceless Specials
2 for 1 offers

Card 2

Yes
Offers throughout Middle East across fine dining & activities

Card 3

Yes
Offers throughout Middle East across fine dining & activities

Card 4

Yes
Offers throughout Middle East across fine dining & activities

Global Data Roaming Package

Card 2

Yes
1 GB * 3 times per year
(Download, sign-up, verify, Redeem)

Card 3

Yes
1GB free roaming per year
(Download, sign-up, verify, Redeem)

Card 4

Not Applicable

Fast Track
Service via Travel Pass

Card 2

Yes
3 complimentary fast-track/year
(Register, Choose an-Airport &time, get your fast track pass)

Card 3

Not Applicable

Card 4

Not Applicable

Costa
(Dubai Airports)

Card 2

Yes
Up to 4 items from a pre-determined
food/ drink list

Card 3

Yes
Up to 2 items from a pre-determined
food/ drink list

Card 4

Yes
Up to 2 items from a pre-determined
food/ drink list

Carrefour discount
on online purchases

Card 2

Yes
Spend a minimum of 300 to get 60 off Promo Code: MA60

Card 3

Yes
Spend a minimum of 250 to get 40 off Promo Code: MA40

Card 4

Not Applicable

Talabat Food & Grocery Delivery

Card 2

20% on 2 food or grocery delivery orders per month Promo Code: MASTERCARD

Card 3

20% on 2 food or grocery delivery orders per month Promo Code: MASTERCARD

Card 4

20% on 2 food or grocery delivery orders per month Promo Code: MASTERCARD

Shahid

Card 2

50% off on VIP monthly package

Card 3

50% off on VIP monthly package

Card 4

50% off on VIP monthly package

Trip.com

Card 2

Yes
Up to 20% off on flight and hotel bookings

Card 3

Yes
Up to 20% off on flight and hotel bookings

Card 4

Yes
Up to 20% off on flight and hotel bookings

Global Blue VIP Service for VAT reclaim

Card 2

Yes
Complementary access to lounge at select cities. Complimentary access to fast-track service at select Airport

Card 3

Yes
Complementary access to lounge at select cities. Complimentary access to fast-track service at select Airport

Card 4

Not Applicable

My US Premium Shipping discount

Card 2

Yes
Free premium membership for 2 years, free account set-up, 30% off shipping in first month & 20% off for the remainder 2 yrs. membership

Card 3

Yes
Free premium membership for 2 years, free account set-up, 30% off shipping in first month & 20% off for the remainder 2 yrs. membership

Card 4

Yes
Free premium membership for 2 years, free account set-up, 30% off shipping in first month & 20% off for the remainder 2 yrs. membership

Collison damage waiver

Card 2

Yes
Covered for physical damage or theft to the rental car up to USD 50,000

Card 3

Not Applicable

Card 4

Not Applicable

Travel Inconvenience Insurance

Card 2

Yes
Baggage loss/damage USD 3,000 Baggage delay: USD 300 Trip curtailment/cancellation: up to USD 7,500

Card 3

Yes
Baggage loss/damage USD 3,000 Baggage delay: USD 300 Trip curtailment/cancellation: up to USD 7,500

Card 4

Not Applicable

Travel Medical Insurance

Card 2

Yes
Emergency medical, evacuation & repatriation up to USD 500,000 Medical expenses (accident or sickness): up to USD 500,000 Daily Hospital cash: USD 100

Card 3

Yes
Emergency medical, evacuation & repatriation up to USD 500,000 Medical expenses (accident or sickness): up to USD 500,000 Daily Hospital cash: USD 100

Card 4

Not Applicable

Free Travel Insurance Letter - Schengen Visa

Card 2

Yes

Card 3

Yes

Card 2

Not Applicable

Minimum Income
(Transfer to Al Masraf or Other bank)

Card 2

 50,000

Card 3

 15,000

Card 4

 15,000

Annual Fees

Card 2

Free for 1st year, 2nd Year onwards - 750

Card 3

Free for 1st year, 2nd Year onwards - 500

Card 4

Free for 1st year, 2nd Year onwards - 150

Cash Advance Limit

75%

75%

75%

Balance Transfer max limit

Card 2

90% of existing credit card limit

Card 3

90% of existing credit card limit

Card 4

90% of existing credit card limit

Easy Cash

Card 2

75% of the available limit

Card 3

75% of the available limit

Card 4

75% of the available limit

Maximum supplementary cards

Card 2

9

Card 3

9

Card 4

9

FD Under lien

Card 2

Pledge of 120% of credit limit. Min pledge of 60,000. If Annual Income is less than 60,000 or there is income proof is not provided, then minimum fixed deposit pledge of 60,000 is needed. Credit card limit cannot exceed 50% of the pledge amount in such cases. If Annual Income is more than 60,000 then Min fixed deposit pledge of 120% of the Card limit.

Card 3

Pledge of 120% of credit limit. Min pledge of 60,000. If Annual Income is less than 60,000 or there is income proof is not provided, then minimum fixed deposit pledge of 60,000 is needed. Credit card limit cannot exceed 50% of the pledge amount in such cases. If Annual Income is more than 60,000 then Min fixed deposit pledge of 120% of the Card limit.

Card 4

Pledge of 120% of credit limit. Min pledge of 60,000. If Annual Income is less than 60,000 or there is income proof is not provided, then minimum fixed deposit pledge of 60,000 is needed. Credit card limit cannot exceed 50% of the pledge amount in such cases. If Annual Income is more than 60,000 then Min fixed deposit pledge of 120% of the Card limit.

Lingokid

Card 2

Get a 1-week complimentary Lingokids Plus memberships and a 50% discount on subsequent memberships for an unlimited time.Coupon code MASTERCARD50

Card 3

Get a 1-week complimentary Lingokids Plus memberships and a 50% discount on subsequent memberships for an unlimited time.Coupon code MASTERCARD50

Card 4

Get a 1-week complimentary Lingokids Plus memberships and a 50% discount on subsequent memberships for an unlimited time.Coupon code MASTERCARD50

Zee5

25% off the annual 4K Pack membership
access 200,000+ hours of TV shows across 18+ languages.

25% off the annual 4K Pack membership
access 200,000+ hours of TV shows across 18+ languages.

25% off the annual 4K Pack membership
access 200,000+ hours of TV shows across 18+ languages.

Heathrow Express

12% off on Express Class and Business First tickets between London Paddington and Heathrow Airport.

12% off on Express Class and Business First tickets between London Paddington and Heathrow Airport.

12% off on Express Class and Business First tickets between London Paddington and Heathrow Airport.

ExpressVPN

30-day free trial, followed by up to 61% off a 12 or 24-month plan, plus 4 extra months free.

30-day free trial, followed by up to 61% off a 12 or 24-month plan, plus 4 extra months free.

30-day free trial, followed by up to 61% off a 12 or 24-month plan, plus 4 extra months free.

Booking.com

Cardholders now receive up to 7% wallet credit on their next booking

Cardholders now receive up to 7% wallet credit on their next booking

Cardholders now receive up to 7% wallet credit on their next booking

GHA Discovery

7% rewards on bookings
Complimentary daily breakfast
Early check-in & late check-out
Access to 800+ premium hotels globally

Not Applicable

Not Applicable

Those wishing to retain their current Careem benefits may adopt a product-specific code and cover the incremental usage through Product Innovation funds (via CBA).

• Sign benefit enrolment form
• Update sales materials (new promo code will apply)
• Mastercard will invoice quarterly for any usage above the revised caps

How to get started?

Card image cap Eligibility
Card image cap UAE National or UAE Residents
Card image cap Age 21 and above
Card image cap Documents*
Card image cap A valid Passport
Card image cap A valid Emirates ID
Card image cap A completed application form
Card image cap Apply
Card image cap Apply online
Card image cap Visit one of our branches
Card image cap Call 600 52 9999

Bank on the go

Mobile Banking

High level security features are in place to make your online banking safe and secure with 24 hours access to all your accounts from anywhere.

Download App

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