Minimum Salary Salary Transfer Islamic Finance Cashback Annual Fee Rate
Mashreq SmartSaver Credit Card Mashreq SmartSaver Credit Card Minimum Salary: AED 10,000 Salary Transfer: No Islamic Finance: No Cashback: Yes Annual Fee: AED 0 Rate: 3.25%
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Mashreq SmartSaver, the best-selling cashback credit card in the UAE, just got ‘smarter’ with savings of up to 10% at over 450 partner outlets across 50 leading brands in 15 everyday spending.

  • Up to 10% cashback on supermarket, education and utility transactions
  • Up to 1.25% cashback on local purchases and up to 2.5% on international transactions
  • Up to 10% cashback at more than 500 partner outlets across 60 leading brands in the UAE including brands like Kalyan Jewellery and Kinokuniya. Categories include including supermarkets, fashion, apparel, home décor, health & wellness, travel, hospitality, books & stationery, car rentals, auto accessories, electronics, jewellery, and many more.
  • 10% cashback for all credit card spending in the first 30 days, up to AED 50.
  • AED 250 Joining Bonus. This is an exclusive offer for online application.
Additional Information
Up to 10% cash back on Supermarket, Education and Utility Spends:
Whether it's grocery spends, school fees, telecom expenses or that sky-high electricity bill, there's never been an easier way to beat the rising cost of living. With SmartSaver you can now save a whopping 10% on Supermarket, Utility and Education expenses.

Guaranteed saving up to 1.25% on local and 2.5% on international spends:
With SmartSaver, spend anywhere and save up to AED 5,000 per month. On your domestic spends earn up to 1.25% cashback starting from the first Dirham you spend. When on holiday, enjoy up to 2.5% cashback on all international spends whenever you use your Mashreq SmartSaver Credit Card.

Up to 10% cashback at SmartSaver Merchant Partners:
Enjoy savings of up to 10% at over 400 partner outlets in the UAE, across 50 brands in 15 everyday spend categories including supermarkets, retail & fashion, home furnishings, health& wellness, jewelry, auto rentals and much more. What's more, there are NO caps to the savings at these preferred partner outlets, so the more you spend, the more you save. Note: Please ask the Merchant to ensure your card is swiped on Mashreq Terminal only to avail the cashback.

10% cashback when you apply for SmartSaver Credit Card:
Earn up to AED 50 when you spend at least AED 200. T&Cs apply.

Absolutely free for life
Representative Example
If you spend AED 1,200 at a purchase interest rate of 18.9% (variable) your representative APR will be 18.9% (variable).
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