- Annual fee
- AED 500 from yr 2
- Minimum monthly salary
- AED 5,000
- Welcome bonus
- None listed right now
First year free. AED 500 a year after that.
Our take
A flat 3% cashback on spending, capped at AED 1,000 cashback a month, with the first year free.
Good for
People who want one simple, high flat rate.
Watch out for
AED 500 a year from year two.
Written by Joe Hickman from InvestBank's published terms. Not personal advice.
What it's worth in practice
A flat 3% on everything is simple to work out: AED 5,000 a month returns AED 150, or AED 1,800 a year. The card is free in year one, and from year two the AED 500 fee is covered within four months at that spending. The AED 1,000 monthly cap only bites at around AED 33,000 of spending a month, and the salary bar is just AED 5,000. That makes it one of the stronger flat-rate cards for modest earners. InvestBank World Mastercard pays the same 3% with a AED 1,500 cap, but costs AED 1,500 a year from day one, so only choose it if you regularly spend over AED 33,000 a month. The catch: there's no fee waiver, and InvestBank's card page doesn't list which payment types are excluded.
What you need
| Minimum salary | AED 5,000 a month |
|---|---|
| Reward cap | AED 1,000 a month |
Taken from InvestBank's own page. Spend rules usually count retail purchases only, not cash, bills or government payments, unless the bank says otherwise.
How it compares
Its AED 500 annual fee is higher than 28 and lower than 6 of the other 34 cashback cards with a published fee, with the first year free. The AED 5,000 minimum salary compares with a typical AED 8,000 for cashback cards; 0 of 28 ask for less. It has no welcome offer listed right now; 10 of the 34 other cashback cards do.
InvestBank has 1 other card on MoneyVS: InvestBank World Mastercard.
Compared with the 35 cashback cards on MoneyVS, using each bank's published figures as of 2 Nov 2026.
What you earn
- Flat 3% cashback on spends
Included benefits
- Airport lounges
Many benefits need a minimum monthly spend or app registration. Check the bank's terms.
InvestBank Platinum Mastercard: common questions
What salary do I need for the InvestBank Platinum Mastercard?
InvestBank asks for a minimum monthly salary of AED 5,000.
Does the InvestBank Platinum Mastercard have an annual fee?
Yes, AED 500, free in the first year.
What is the InvestBank Platinum cashback cap?
AED 1,000 a month, which you'd reach at about AED 33,300 of spending at 3%.
Does InvestBank Platinum have a fee waiver?
No waiver is listed. Year one is free, then it's AED 500 a year.
Compare with
- InvestBank World Mastercard: the closest alternative
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