World Credit Card

Access to airport lounges worldwide with card activation on international spending. Cardholders can access 8 lounge visits per year.

How often

8 uses a year

How to use it

Activate in the bank's app — Register via Mastercard Travel Pass app to activate lounge access

Caps and limits

Limited to 8 visits per year; requires international spend activation

Where

All emirates

“Airport Lounge Access Yes Make an international spend of USD 1 or its local equivalent to activate this feature. 8 per year”

Source: https://almasraf.ae/personal-banking/personal-card/world · Last checked 21 Aug 2026

Complimentary access to Global Blue VIP lounge for VAT reclaim at select cities, plus complimentary fast-track service at select airports.

How often

Always on

How to use it

Applied automatically — Present card at Global Blue partner locations for VIP lounge and fast-track access

Caps and limits

Complimentary access at select cities and airports only

Where

International

“Global Blue VIP Service for VAT reclaim Yes Complementary access to lounge at select cities. Complimentary access to fast-track service at select Airport”

Source: https://almasraf.ae/personal-banking/personal-card/world · Last checked 21 Aug 2026

One complimentary Careem ride to the airport per year for cardholders.

How often

Yearly

How to use it

Activate in the bank's app — Book through Careem app using card as payment method to activate benefit

Caps and limits

Limited to 1 ride per year

Where

All emirates

“Careem Rides to Airport Yes complimentary ride per year”

Source: https://almasraf.ae/personal-banking/personal-card/world · Last checked 21 Aug 2026

Earn 0.735 points per 1 USD spent on both international and local transactions, with no maximum cap. Points can be converted to cash back at a rate of 0.05 AED per point, equivalent to 1% cash back on spending.

How often

Always on

How to use it

Redeem on a website — Convert points to cash value through card rewards portal

Caps and limits

No maximum cap on points earned

Where

All emirates

“0.735 pts per 1 US$ - International spends 0.735 pts per 1 US$ - Local spends (Equivalent to %1 Cashback) NO MAX CAP”

Source: https://almasraf.ae/personal-banking/personal-card/world · Last checked 21 Aug 2026

Up to 2 complimentary items from a pre-determined food/drink list at Costa in Dubai airports.

How often

Always on

How to use it

Applied automatically — Present card at Costa counters in Dubai airports for discount

Caps and limits

Up to 2 items per transaction from pre-determined list

Exclusions

Limited to Dubai airports only

Where

Dubai

“Costa (Dubai Airports) Yes Up to 2 items from a pre-determined food/ drink list”

Source: https://almasraf.ae/personal-banking/personal-card/world · Last checked 21 Aug 2026

2 for 1 dining and activity offers throughout the Middle East on fine dining and leisure activities.

How often

Always on

How to use it

Voucher code — Access offers and redeem at participating fine dining and activity venues

Caps and limits

Offers available throughout Middle East at select merchants

Where

All emirates

“Priceless Specials 2 for 1 offers Yes Offers throughout Middle East across fine dining & activities”

Source: https://almasraf.ae/personal-banking/personal-card/world · Last checked 21 Aug 2026

20% discount on one food or grocery delivery order per month via Talabat using the card.

How often

Monthly

How to use it

Voucher code — Use promo code MASTERCARD on Talabat platform for 20% discount

Caps and limits

Limited to 1 order per month with 20% discount

Where

All emirates

“Talabat Food & Grocery Delivery 20% on 1 food or grocery delivery orders per month Promo Code: MASTERCARD”

Source: https://almasraf.ae/personal-banking/personal-card/world · Last checked 21 Aug 2026

1 week complimentary Lingokids Plus membership and 50% discount on subsequent memberships for unlimited time using coupon code MASTERCARD50.

How often

Per event

How to use it

Voucher code — Use coupon code MASTERCARD50 to activate 1-week free trial and ongoing 50% discount

Caps and limits

1 week free; 50% discount unlimited on subsequent memberships

Where

All emirates

“Lingokid Get a 1-week complimentary Lingokids Plus memberships and a 50% discount on subsequent memberships for an unlimited time.Coupon code MASTERCARD50”

Source: https://almasraf.ae/personal-banking/personal-card/world · Last checked 21 Aug 2026

AED 40 discount on Carrefour purchases when spending a minimum of AED 250 in a single transaction.

How often

Always on

How to use it

Voucher code — Use promo code MA40 at Carrefour checkout with minimum AED 250 spend

Caps and limits

AED 40 discount per transaction; minimum AED 250 spend required

Where

All emirates

“Carrefour discount Yes Spend a minimum of 250 to get 40 off Promo Code: MA40”

Source: https://almasraf.ae/personal-banking/personal-card/world · Last checked 21 Aug 2026

Up to 7% wallet credit on next Booking.com booking using promo code Mastercard, with cashback credited within 70 days.

How often

Always on

How to use it

Voucher code — Use promo code Mastercard on Booking.com checkout to receive up to 7% wallet credit

Caps and limits

Up to 7% wallet credit; cashback credited within 70 days

Where

International

“Booking.com Cardholders now receive up to 7% wallet credit on their next booking Use promo code: Mastercard at checkout Cashback credited to Booking.com wallet within 70 days”

Source: https://almasraf.ae/personal-banking/personal-card/world · Last checked 21 Aug 2026

Transfer outstanding balances in AED from non-Al Masraf credit cards at a preferential interest rate, up to a maximum utilization of 90% of the total credit limit.

How often

Per event

How to use it

Call the concierge line

Caps and limits

Up to a maximum utilization of 90% of the total credit limit; only AED balances from non-Al Masraf cards

Exclusions

Early settlement or cancellation fee of AED 150 plus total promotional interest applied from date of booking

Where

All emirates

“Balance Transfer is allowed up to a maximum utilization of 90% of the total credit limit.”

Source: https://almasraf.ae/pdf/Terms__Conditions_for_Credit_CardsFinal.pdf · Last checked 2 Oct 2026

Cash transfer facility to the cardholder's own UAE bank account, repaid in equal monthly installments. The amount is not less than AED 1,000 and shall not exceed 75% of the available credit limit; minimum installment period is 3 months.

How often

Per event

How to use it

Call the concierge line — Apply for the Easy Cash Program; the Bank transfers funds by electronic transfer to the cardholder's own UAE bank account.

Caps and limits

Minimum AED 1,000; maximum 75% of available credit limit; minimum installment period 3 months

Exclusions

Al Masraf Points will not be credited in respect of the Easy Cash Program; early settlement fee of AED 150 applies

Where

All emirates

“The Easy Cash Amount issued by the Bank shall not be less than AED 1000 and in all cases shall not exceed seventy five per cent (75%) of the available Credit Limit of the Card”

Source: https://almasraf.ae/pdf/Terms__Conditions_for_Credit_CardsFinal.pdf · Last checked 2 Oct 2026

Convert eligible card purchases into equal monthly installments. A 0% EPP (no interest payable to the Bank) is available for select goods and services from specific merchants; a standard EPP with interest is available for other purchases. Only transactions within 45 days of purchase are eligible.

How often

Per event

How to use it

Call the concierge line — Make the purchase, then call Al Masraf Call Centre on 600 52 9999 to request conversion of the transaction into an EPP.

Caps and limits

Only transactions within 45 days from the date of purchase are eligible; must be within available credit limit; requests only by the Primary Cardholder

Exclusions

Cash withdrawals or cash-like transactions through ATM or any other means cannot be converted to EPP; cancellation and early settlement fees apply

Where

All emirates

“The 0% EPP will be available for select goods and services offered by specific merchants determined by the Bank from time to time.”

Source: https://almasraf.ae/pdf/Terms__Conditions_for_Credit_CardsFinal.pdf · Last checked 2 Oct 2026

Free premium membership for 2 years, free account setup, 30% off shipping in first month and 20% off shipping for the remainder of 2-year membership with My US.

How often

Per event

How to use it

Redeem on a website — Sign up for My US premium membership using card and apply promo code

Caps and limits

Free membership for 2 years; 30% discount first month, 20% thereafter

Where

International

“My US Premium Shipping discount Yes Free premium membership for 2 years, free account set-up, 30% off shipping in first month & 20% off for the remainder 2 yrs. membership”

Source: https://almasraf.ae/personal-banking/personal-card/world · Last checked 21 Aug 2026

Cash advance limit of up to 75% of the card credit limit.

How often

Always on

How to use it

Applied automatically

Caps and limits

75% of credit limit

Exclusions

Cash Advance transactions will attract interest from the date of the relevant transaction.

Where

All emirates

“Cash Advance Limit 75%”

Source: https://almasraf.ae/personal-banking/personal-card/world · Last checked 25 Aug 2026

Contactless payments supported up to AED 500 without PIN; a maximum of 3 no-PIN contactless transactions of AED 500 each per day.

How often

3 uses a day

How to use it

Applied automatically

Caps and limits

Maximum 3 no-PIN contactless transactions per day of AED 500 each

Where

All emirates

“Contactless Yes Up to 500 without PIN”

Source: https://almasraf.ae/personal-banking/personal-card/world · Last checked 25 Aug 2026

Card can be added to Apple Pay, Google Pay and Samsung Pay digital wallets.

How often

Always on

How to use it

Activate in the bank's app — Add the card to Apple Pay, Google Pay or Samsung Pay.

Where

All emirates

“Digital Wallets (Apple Pay, Google Pay, Samsung Pay) Yes”

Source: https://almasraf.ae/personal-banking/personal-card/world · Last checked 25 Aug 2026

30-day free trial followed by up to 61% discount on 12 or 24-month plans, plus 4 extra months free.

How often

Yearly

How to use it

Redeem on a website — Visit ExpressVPN through Mastercard offer portal to activate 30-day free trial and discount

Caps and limits

Up to 61% discount; valid on 12 or 24-month plans only

Where

International

“ExpressVPN 30-day free trial, followed by up to 61% off a 12 or 24-month plan, plus 4 extra months free.”

Source: https://almasraf.ae/personal-banking/personal-card/world · Last checked 21 Aug 2026

1 GB of free mobile data roaming per year. Cardholder must download, sign-up, verify and redeem the benefit.

How often

Yearly

How to use it

Activate in the bank's app — Download and sign-up for roaming service via card app, verify and redeem

Caps and limits

Limited to 1 GB per calendar year

Where

All emirates

“Global Data Roaming Package Yes 1GB free roaming per year (Download, sign-up, verify, Redeem)”

Source: https://almasraf.ae/personal-banking/personal-card/world · Last checked 21 Aug 2026

50% discount on Shahid VIP monthly subscription package.

How often

Monthly

How to use it

Voucher code — Subscribe to Shahid with card to receive 50% discount on VIP package

Caps and limits

50% discount on monthly VIP subscription

Where

All emirates

“Shahid 50% off on VIP monthly package”

Source: https://almasraf.ae/personal-banking/personal-card/world · Last checked 21 Aug 2026

Up to 9 supplementary cards can be issued to persons nominated by the principal cardholder.

How often

9 uses, always on

How to use it

Call the concierge line — Principal Cardholder nominates persons for supplementary cards.

Caps and limits

Maximum 9 supplementary cards

Exclusions

Principal Cardholder is fully liable for all amounts arising from use of supplementary cards

Where

All emirates

“Maximum supplementary cards 9”

Source: https://almasraf.ae/personal-banking/personal-card/world · Last checked 25 Aug 2026

25% discount on Zee5 annual 4K Pack membership providing access to 200,000+ hours of TV shows across 18+ languages using promo code Z5MASTERCARD.

How often

Yearly

How to use it

Voucher code — Use promo code Z5MASTERCARD at checkout for 25% annual subscription discount

Caps and limits

25% discount on annual 4K Pack membership only

Where

All emirates

“Zee5 25% off the annual 4K Pack membership access 200,000+ hours of TV shows across 18+ languages Use promo code: Z5MASTERCARD at checkout”

Source: https://almasraf.ae/personal-banking/personal-card/world · Last checked 21 Aug 2026

Purchase protection is offered as part of the Al Masraf credit card rewards proposition.

How often

Always on

How to use it

Applied automatically

Where

All emirates

“What do we offer? Airport Lounge Access Buy-1-Get 1 Free Offers Cleartrip Airline Discount Purchase Protection”

Source: https://almasraf.ae/personal-banking/personal-card/rewards · Last checked 25 Aug 2026

Comprehensive travel insurance including baggage loss/damage up to USD 3,000, baggage delay USD 300, and trip curtailment/cancellation up to USD 7,500.

How often

Always on

How to use it

Applied automatically — Automatically included with card; file claim with supporting documentation for reimbursement

Caps and limits

Baggage loss/damage USD 3,000; Baggage delay USD 300; Trip curtailment/cancellation up to USD 7,500

Where

International

“Travel Inconvenience Insurance Yes Baggage loss/damage USD 3,000 Baggage delay: USD 300 Trip curtailment/cancellation: up to USD 7,500”

Source: https://almasraf.ae/personal-banking/personal-card/world · Last checked 21 Aug 2026

Airline discount on Cleartrip bookings offered to Al Masraf credit cardholders.

How often

Yearly

How to use it

Redeem on a website

Where

International

“Cleartrip Airline Discount”

Source: https://almasraf.ae/personal-banking/personal-card/rewards · Last checked 25 Aug 2026

Complimentary travel insurance letter for Schengen visa applications.

How often

Per event

How to use it

Call the concierge line — Contact Al Masraf card center to request travel insurance letter for visa application

Caps and limits

For Schengen visa applications only

Where

International

“Free Travel Insurance Letter - Schengen Visa Yes”

Source: https://almasraf.ae/personal-banking/personal-card/world · Last checked 21 Aug 2026

12% discount on Express Class and Business First tickets between London Paddington and Heathrow Airport using promo code Mcard12.

How often

Always on

How to use it

Voucher code — Use promo code Mcard12 at Heathrow Express booking for 12% discount

Caps and limits

12% discount on Express Class and Business First tickets only

Exclusions

Limited to London Paddington-Heathrow route

Where

International

“Heathrow Express 12% off on Express Class and Business First tickets between London Paddington and Heathrow Airport. Use promo code: Mcard12 at checkout”

Source: https://almasraf.ae/personal-banking/personal-card/world · Last checked 21 Aug 2026

Emergency medical, evacuation, repatriation up to USD 500,000 and medical expenses for accidents or sickness up to USD 500,000 plus daily hospital cash of USD 100.

How often

Yearly

How to use it

Applied automatically — Automatically included with card; present card documentation when seeking medical coverage abroad

Caps and limits

Emergency medical/evacuation/repatriation up to USD 500,000; Medical expenses up to USD 500,000; Daily hospital cash USD 100

Where

International

“Travel Medical Insurance Yes Emergency medical, evacuation & repatriation up to USD 500,000 Medical expenses (accident or sickness): up to USD 500,000 Daily Hospital cash: USD 100”

Source: https://almasraf.ae/personal-banking/personal-card/world · Last checked 21 Aug 2026

Up to 20% discount on flight and hotel bookings through Trip.com platform.

How often

Always on

How to use it

Redeem on a website — Book flights and hotels on Trip.com using card to receive up to 20% discount

Caps and limits

Up to 20% discount applicable

Where

All emirates

“Trip.com Yes Up to 20% off on flight and hotel bookings”

Source: https://almasraf.ae/personal-banking/personal-card/world · Last checked 21 Aug 2026