- Annual fee
- AED 750
- Minimum monthly salary
- AED 50,000
- Welcome bonus
- None listed right now
Up to AED 750 a year
Our take
Al Masraf's premium card with lounge access, fast-track, concierge and airport rides.
Good for
High earners (AED 50,000+) who bank with Al Masraf.
Watch out for
Up to AED 750 a year, and the earn rate isn't published.
Written by Joe Hickman from Al Masraf's published terms. Not personal advice.
What it's worth in practice
Al Masraf's top card asks for a AED 50,000 salary, the second-highest bar on MoneyVS, and charges up to AED 750 a year. That's cheap for a card with lounges, airport transfers and concierge. What's missing is the reward rate: Al Masraf doesn't publish how many points you earn, so there's no way to work out what AED 20,000 a month would return. At this income, FAB Elite is the most direct alternative: it publishes up to 20 FAB Rewards per dirham on luxury spending and needs AED 40,000. The catch: "up to AED 750" means the exact fee depends on Al Masraf's terms, and the earn rate is unknown until you ask.
What you need
| Minimum salary | AED 50,000 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 750 annual fee is higher than 34 and lower than 9 of the other 43 rewards cards with a published fee. The AED 50,000 minimum salary compares with a typical AED 10,000 for rewards cards; 39 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 Platinum 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
- Airport transfers
- Concierge
Many benefits need a minimum monthly spend or app registration. Check the bank's terms.
Al Masraf World Elite Mastercard: common questions
What salary do I need for the Al Masraf World Elite Mastercard?
Al Masraf asks for a minimum monthly salary of AED 50,000.
Does the Al Masraf World Elite Mastercard have an annual fee?
Yes, AED 750.
What salary does the Al Masraf World Elite need?
AED 50,000 a month.
What does the Al Masraf World Elite cost?
Al Masraf lists the fee as up to AED 750 a year. A Shariah-compliant version is offered at the same fee.
Compare with
- FAB Elite: the closest alternative
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