- Annual fee
- AED 150
- Minimum monthly salary
- AED 5,000
- Welcome bonus
- None listed right now
AED 150 a year
Our take
Al Masraf's entry card with a low AED 150 fee, points convertible to cashback and lounge access.
Good for
Al Masraf customers wanting a cheap card.
Watch out for
The bank doesn't publish the points earn rate.
Written by Joe Hickman from Al Masraf's published terms. Not personal advice.
What it's worth in practice
At AED 150 a year, this is one of the cheapest paid cards on MoneyVS with airport lounge access, and Al Masraf offers a Shariah-compliant version at the same fee. We can't give you a worked example of what it earns: Al Masraf says the points convert to cashback but doesn't publish the earn rate on the card's page. That makes it hard to compare with anything else. If you want rewards you can actually calculate, ADCB Essential Cashback is free for life with a published 1% to 1.25% cashback, and accepts the same AED 5,000 salary. Ask Al Masraf for its points rate before you apply. Without it, the only thing you know you're getting is the lounge access.
What you need
| Minimum salary | AED 5,000 a month |
|---|
Taken from Al Masraf'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 150 annual fee is higher than 21 and lower than 22 of the other 43 rewards cards with a published fee. The AED 5,000 minimum salary compares with a typical AED 12,000 for rewards cards; 0 of 39 ask for less. It has no welcome offer listed right now; 15 of the 55 other rewards cards do.
Al Masraf has 2 other cards on MoneyVS: Al Masraf World Mastercard, Al Masraf World Elite Mastercard.
Compared with the 56 rewards cards on MoneyVS, using each bank's published figures as of 2 Nov 2026.
What you earn
- Al Masraf points you can convert to cashback (earn rate not published on the bank's page)
Included benefits
- Airport lounges
Many benefits need a minimum monthly spend or app registration. Check the bank's terms.
Al Masraf Platinum Mastercard: common questions
What salary do I need for the Al Masraf Platinum Mastercard?
Al Masraf asks for a minimum monthly salary of AED 5,000.
Does the Al Masraf Platinum Mastercard have an annual fee?
Yes, AED 150.
How many points does the Al Masraf Platinum Mastercard earn?
Al Masraf doesn't publish the earn rate on the card's page. Points can be converted to cashback; ask the bank for the rate.
Is there an Islamic version of the Al Masraf Platinum card?
Yes. Al Masraf offers a Shariah-compliant covered card at the same AED 150 fee.
Compare with
- ADCB Essential Cashback: the closest alternative
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