- Annual fee
- AED 500
- Minimum monthly salary
- AED 15,000
- Welcome bonus
- None listed right now
AED 500 a year
Our take
A mid-tier Mastercard with lounge access, airport rides and points convertible to cashback.
Good for
Al Masraf customers on AED 15,000+ who travel occasionally.
Watch out for
AED 500 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
The World card adds airport transfers to lounge access for AED 500 a year and needs a AED 15,000 salary. Like Al Masraf's other cards, it doesn't publish a points earn rate on the product page, so we can't show what AED 10,000 a month would earn. On fees alone it's AED 42 a month, which a couple of airport transfers a year could justify. If you want to know what your spending returns, Citi Premier costs AED 787.50, needs the same salary, and publishes its rates: 3 points per USD on dining, fuel and groceries, transferable to 11 airline and hotel partners. The catch: you're paying AED 500 for a points programme you can't value until the bank tells you the rate.
What you need
| Minimum salary | AED 15,000 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 500 annual fee is higher than 28 and lower than 14 of the other 43 rewards cards with a published fee. The AED 15,000 minimum salary compares with a typical AED 10,000 for rewards cards; 26 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 Elite 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
Many benefits need a minimum monthly spend or app registration. Check the bank's terms.
Al Masraf World Mastercard: common questions
What salary do I need for the Al Masraf World Mastercard?
Al Masraf asks for a minimum monthly salary of AED 15,000.
Does the Al Masraf World Mastercard have an annual fee?
Yes, AED 500.
Does the Al Masraf World Mastercard include airport transfers?
Yes. Al Masraf lists airport transfers and lounge access.
What does the Al Masraf World Mastercard earn?
Al Masraf points that convert to cashback, but the earn rate isn't published on the card's page.
Compare with
- Citi Premier: the closest alternative
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