Bustan بستان
Al Islami Cashback card
Mashreq Bank

Al Islami Cashback

Visa Standard Islamic — profit rate, not interest Verified 25 Aug 2026

Fees and eligibility, as published

Annual fee
Free for life This Shariah-compliant card has no annual fee (free for life). Under Islamic financing principles, a Tawarruq profit rate applies to outstanding balances if the cardholder does not pay the full amount by the due date, as per the bank's disclosure. The card is governed by Shariah-compliant concepts with no interest charges—instead, profit-rate structures are used. Minimum monthly salary requirement is AED 5,000.
Annual fee waived at
Not published
Minimum monthly salary
AED 5,000
Profit rate
Not published

6 verified benefits

Quoted from Mashreq Bank's published terms. Anything we could not match to the issuer's own words is not listed.

Annual fee waiver 1 benefit

No Annual Fees

Verified 25 Aug 2026

The Mashreq Al Islami Cashback Credit Card is free for life for both primary and supplementary cardholders.

How often
Yearly
How to use it
Applied automatically — No action required; benefit applies automatically to all cardholders.
Caps and limits
Applies to primary and all supplementary cards issued on the account.
Where
All emirates
“The Mashreq Al Islami Cashback Credit Card is free for life for Primary as well as Supplementary Card(s).”

Source: https://www.mashreqalislami.com/en/uae/neo/cards/credit-cards/cashback-credit-card/ · Last checked 25 Aug 2026

Cashback 5 benefits

Cashback on Dining

Verified 25 Aug 2026

Earn 5% cashback on international and local dining spends. Cashback is credited within 2-3 working days of transaction posting.

How often
Always on
How to use it
Activate in the bank's app — Redeem via Mashreq Mobile App or Online Banking once minimum AED 100 cashback balance is reached
Caps and limits
Minimum redemption threshold: AED 100. Maximum validity: 36 months from earning date.
Exclusions
Not applicable to balance transfers, local cash advances, credit card cheques, finance charges, fees, reversed transactions, or utility bill payments via bank channels.
Where
All emirates
“5% cashback on international and local dining spends”

Source: https://www.mashreqalislami.com/en/uae/neo/cards/credit-cards/cashback-credit-card/ · Last checked 25 Aug 2026

Cashback on International Spends

Verified 25 Aug 2026

Earn 1% cashback on all international spends. Cashback is credited within 2-3 working days of transaction posting.

How often
Always on
How to use it
Activate in the bank's app — Redeem via Mashreq Mobile App or Online Banking once minimum AED 100 cashback balance is reached
Caps and limits
Minimum redemption threshold: AED 100. Maximum validity: 36 months from earning date.
Exclusions
Not applicable to balance transfers, local cash advances, credit card cheques, finance charges, fees, reversed transactions, or utility bill payments via bank channels.
Where
International
“1% cashback on international spends”

Source: https://www.mashreqalislami.com/en/uae/neo/cards/credit-cards/cashback-credit-card/ · Last checked 25 Aug 2026

Cashback on Local Spends

Verified 25 Aug 2026

Earn up to 1% cashback on other local spends. Cashback is credited within 2-3 working days of transaction posting.

How often
Always on
How to use it
Activate in the bank's app — Redeem via Mashreq Mobile App or Online Banking once minimum AED 100 cashback balance is reached
Caps and limits
Minimum redemption threshold: AED 100. Maximum validity: 36 months from earning date.
Exclusions
Not applicable to balance transfers, local cash advances, credit card cheques, finance charges, fees, reversed transactions, or utility bill payments via bank channels.
Where
All emirates
“Up to 1% cashback on other local spends”

Source: https://www.mashreqalislami.com/en/uae/neo/cards/credit-cards/cashback-credit-card/ · Last checked 25 Aug 2026

Cashback on Utilities and Government Payments

Verified 25 Aug 2026

Earn 0.15% cashback on government payments, utilities, education, charity, fuel, rental and telecom spends. Cashback is credited within 2-3 working days of transaction posting.

How often
Always on
How to use it
Activate in the bank's app — Redeem via Mashreq Mobile App or Online Banking once minimum AED 100 cashback balance is reached
Caps and limits
Minimum redemption threshold: AED 100. Maximum validity: 36 months from earning date.
Exclusions
Not applicable to utility bill payments made via Mashreq Mobile App and Online Banking, or through bank channels.
Where
All emirates
“Earn 0.15% cashback for govt. payments, utilities, education, charity, fuel, rental and telecom spends”

Source: https://www.mashreqalislami.com/en/uae/neo/cards/credit-cards/cashback-credit-card/ · Last checked 25 Aug 2026

Promotional Cashback on Streaming and Delivery

Verified 25 Aug 2026

Earn 20% cashback for the first 4 months on Netflix, Talabat, Careem and more, with a maximum cap of AED 50 cashback per merchant per month.

How often
4 uses a month
How to use it
Applied automatically — Cashback automatically credited to card account within 2-3 working days of transaction posting
Caps and limits
Maximum cashback AED 50 per merchant per month during promotional 4-month period.
Exclusions
Promotional offer limited to first 4 months only.
Where
All emirates
“20% cashback for the first 4 months on Netflix, Talabat, Careem and more. Max. cashback of AED 50 per merchant per month.”

Source: https://www.mashreqalislami.com/en/uae/neo/cards/credit-cards/cashback-credit-card/ · Last checked 25 Aug 2026

Where this card sits

All 7 Mashreq Bank cards Annual fee waiver cards in the UAE Every UAE card

Questions

What is the annual fee on the Al Islami Cashback?

The Al Islami Cashback is free for life — Mashreq Bank publishes no annual fee. This Shariah-compliant card has no annual fee (free for life). Under Islamic financing principles, a Tawarruq profit rate applies to outstanding balances if the cardholder does not pay the full amount by the due date, as per the bank's disclosure. The card is governed by Shariah-compliant concepts with no interest charges—instead, profit-rate structures are used. Minimum monthly salary requirement is AED 5,000.

What salary does the Al Islami Cashback require?

Mashreq Bank publishes a minimum monthly salary of AED 5,000 for the Al Islami Cashback.

What benefits does the Al Islami Cashback include?

The Al Islami Cashback carries 6 verified benefits across 2 categories: Annual fee waiver, Cashback. Each is quoted from Mashreq Bank's own published terms on this page.

How current is this page?

Every benefit here carries the date it was last read from the issuer's published terms. This page is last verified 25 Aug 2026. Anything we could not verify against the issuer's own words is not shown at all.

You hold 3 cards, not one.

Bustan tracks every perk across all the cards in your wallet at once, and reminds you before the ones that reset run out. It never asks for a card number or a bank login.

See what you're wasting.

Every benefit on this page is quoted from the issuer's own published terms and links back to the page it was read from, with the date it was last checked. Bustan is not affiliated with any bank. Issuers and rights holders who want a quotation corrected or removed can write to support@getbustan.com and we will act on it. Published by Jasmine Entertainment FZE.