World Elite Credit Card

Premium airport lounge access available after making an international spend of USD 1 or local equivalent to activate. Up to 14 lounge visits per year.

How often

14 uses a year

How to use it

Activate in the bank's app — Make an international spend of USD 1 or local equivalent to activate the feature, then access lounge via Mastercard travel pass app.

Caps and limits

14 visits per year

Where

All emirates

“Airport Lounge Access Yes Make an international spend of USD 1 or its local equivalent to activate this feature. 14 per year”

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

Complimentary Careem rides to airport, available within the UAE only.

How often

Yearly

How to use it

Activate in the bank's app — Redeem complimentary rides through Careem app.

Caps and limits

UAE only; complimentary rides per year (exact quantity not specified)

Exclusions

Applicable only in UAE

Where

All emirates

“Careem Rides to Airport Yes complimentary rides per year (UAE only)”

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

3 complimentary fast-track services per year at select airports. Cardholder registers via Travel Pass app, selects airport and time, and receives fast-track pass.

How often

3 uses a year

How to use it

Activate in the bank's app — Register via Mastercard Travel Pass app, choose airport and time, receive fast-track pass.

Caps and limits

3 complimentary fast-track services per year at select airports

Exclusions

At select airports only

Where

All emirates

“Fast Track Service via Travel Pass Yes 3 complimentary fast-track/year (Register, Choose an-Airport &time, get your fast track pass)”

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

Earn 0.735 points per 1 USD spent on international and local transactions, equivalent to 1% cashback with no maximum cap. Points can be converted to cash back or redeemed for flights, hotels, or shopping.

How often

Always on

How to use it

Activate in the bank's app — Convert points to cash back at 0.05 AED per point, or redeem for flights, hotels, or shopping via rewards program.

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-elite · Last checked 25 Aug 2026

Up to 4 complimentary items from a pre-determined food or drink list at Costa Coffee outlets in Dubai airports.

How often

4 uses a year

How to use it

Activate in the bank's app — Redeem at Costa outlets in Dubai airports from pre-determined menu.

Caps and limits

Up to 4 items from pre-determined food/drink list

Exclusions

Available only at Costa outlets in Dubai airports

Where

Dubai

“Costa (Dubai Airports) Yes Up to 4 items from a pre-determined food/ drink list”

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

Access to 2-for-1 dining and activity offers throughout the Middle East at fine dining establishments.

How often

Always on

How to use it

Activate in the bank's app — Access offers through Mastercard travel pass app registration.

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-elite · Last checked 25 Aug 2026

20% discount on 1 food or grocery delivery order per month via Talabat. Applied with promo code MASTERCARD.

How often

Monthly

How to use it

Voucher code — Apply promo code MASTERCARD on Talabat app for monthly discount.

Caps and limits

1 order per month eligible for 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-elite · Last checked 25 Aug 2026

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

How often

Always on

How to use it

Voucher code — Use coupon code MASTERCARD50 for complimentary trial and subsequent membership discounts.

Caps and limits

1-week free trial; 50% off subsequent memberships indefinitely

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-elite · Last checked 25 Aug 2026

AED 60 off Carrefour purchases with minimum spend of AED 300. Discount applied with promo code MA60.

How often

Always on

How to use it

Voucher code — Spend minimum AED 300 at Carrefour and apply promo code MA60 to receive AED 60 discount.

Caps and limits

Minimum spend AED 300; discount AED 60 per transaction

Where

All emirates

“Carrefour discount Yes Spend a minimum of 300 to get 60 off Promo Code: MA60”

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

Up to 7% wallet credit on next Booking.com booking. Use promo code Mastercard. Cashback credited within 70 days.

How often

Always on

How to use it

Voucher code — Use promo code Mastercard at Booking.com checkout; cashback credited within 70 days.

Caps and limits

Up to 7% wallet credit on bookings

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-elite · Last checked 25 Aug 2026

7% rewards on bookings at 800+ premium hotels globally. Complimentary daily breakfast, early check-in and late check-out.

How often

Always on

How to use it

Redeem on a website — Book through GHA Discovery program to access hotel discounts and member benefits.

Caps and limits

7% rewards on bookings; access to 800+ premium hotels globally; complimentary breakfast, early check-in, late check-out

Where

International

“GHA Discovery 7% rewards on bookings Complimentary daily breakfast Early check-in & late check-out Access to 800+ premium hotels globally”

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

Free premium membership for 2 years with MyUS. Account set-up is free. 30% off shipping in first month and 20% off shipping for the remainder of 2-year membership.

How often

Per event

How to use it

Redeem on a website — Enroll in MyUS with promotional code for free premium membership and shipping discounts.

Caps and limits

Free 2-year premium membership; 30% off first month; 20% off subsequent 23 months

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-elite · Last checked 25 Aug 2026

50% off on Shahid VIP monthly package subscription.

How often

Monthly

How to use it

Redeem on a website — Subscribe to Shahid VIP using cardholder discount code.

Caps and limits

50% discount on monthly VIP package

Where

All emirates

“Shahid 50% off on VIP monthly package”

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

25% off the annual 4K Pack membership with access to 200,000+ hours of TV shows across 18+ languages. Use promo code Z5MASTERCARD.

How often

Yearly

How to use it

Voucher code — Use promo code Z5MASTERCARD at Zee5 checkout for annual 4K Pack discount.

Caps and limits

25% off annual 4K Pack membership

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-elite · Last checked 25 Aug 2026

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

How often

Per event

How to use it

Redeem on a website — Access 30-day free trial and subscribe using promotional discount code.

Caps and limits

30-day free trial; up to 61% off on 12 or 24-month plans plus 4 extra months

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-elite · Last checked 25 Aug 2026

Complementary access to Global Blue lounge at select cities and complimentary fast-track service at select airports for VAT refund processing.

How often

Always on

How to use it

Activate in the bank's app — Access lounge and fast-track service at participating Global Blue locations.

Caps and limits

Complementary access at select cities and airports only

Exclusions

Available only at select cities and airports

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-elite · Last checked 25 Aug 2026

1 GB data roaming package available 3 times per year. Cardholder must download, sign up, verify, and redeem.

How often

3 uses a year

How to use it

Redeem on a website — Download app, sign up, verify, and redeem for 1 GB data package.

Caps and limits

1 GB × 3 times per year

Where

All emirates

“Global Data Roaming Package Yes 1 GB * 3 times per year (Download, sign-up, verify, Redeem)”

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

Round-the-clock global lifestyle concierge service for cardholder assistance and support.

How often

Always on

How to use it

Call the concierge line — Contact global lifestyle managers via 24/7 concierge service.

Where

All emirates

“Global Liefstyle Concierge 24/7”

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

Covered for physical damage or theft to rental car up to USD 50,000.

How often

Yearly

How to use it

Applied automatically — Coverage applies automatically to rental cars booked and paid with card.

Caps and limits

Coverage up to USD 50,000 for physical damage or theft

Where

All emirates

“Collision damage waiver Yes Covered for physical damage or theft to the rental car up to USD 50,000”

Source: https://almasraf.ae/personal-banking/personal-card/world-elite · 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 — Request insurance letter from Al Masraf for Schengen visa application.

Where

International

“Free Travel Insurance Letter - Schengen Visa Yes”

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

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

How often

Always on

How to use it

Voucher code — Use promo code Mcard12 at Heathrow Express booking to receive 12% discount.

Caps and limits

12% discount on Express Class and Business First tickets

Exclusions

London Paddington to Heathrow Airport route only

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-elite · Last checked 25 Aug 2026

Coverage for baggage loss/damage up to USD 3,000, baggage delay up to USD 300, and trip curtailment/cancellation up to USD 7,500.

How often

Yearly

How to use it

Applied automatically — Coverage is automatic on eligible trips paid with the card.

Caps and limits

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

Where

All emirates

“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-elite · Last checked 25 Aug 2026

Emergency medical, evacuation and repatriation coverage up to USD 500,000. Medical expenses (accident or sickness) coverage up to USD 500,000. Daily hospital cash benefit USD 100.

How often

Yearly

How to use it

Applied automatically — Coverage is automatic on eligible trips paid with the card.

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

All emirates

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

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

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

How often

Always on

How to use it

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

Caps and limits

Up to 20% off on flight and hotel bookings

Where

All emirates

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

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