Mashreq Cashback cashback rate, cap and annual fee
Mashreq Cashback pays 5% on dining, and 6 other rates.
Mashreq · United Arab Emirates · catalogue v101
Read from Mashreq's own published terms on 17 Aug 2026.
NoneAnnual fee
5%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| dining | 5.00% | —Restaurants and food delivery, local and international. No monthly cap. This is what makes the card beat fee-paying rivals on a large restaurant bill. |
| travel | 1.00% | —International and non-AED spend. |
| government | 0.15% | —Utilities, government payments and charity. |
| fuel | 0.15% | —Fuel. |
| education | 0.15% | —School fees. |
| phone and internet | 0.15% | —Telecom bills. |
| rent and property | 0.15% | —Rent and real estate payments. |
Free for life, no minimum spend, and an uncapped 5% on dining. That combination is rare in this market and is the whole case for the card. Everything else is weak: 1% on international spend, up to 1% locally, and 0.15% on bills, which is the lowest bill rate in this library. A separate AED 50 per merchant per month ceiling applies to promotional merchants such as Netflix, Talabat and Careem. Cashback expires 36 months after it is earned and needs an AED 100 balance before it can be redeemed. Nothing is earned on bill payments made through online or mobile banking. Source: mashreq.com, checked 17 Aug 2026.
Questions people ask
What cashback does the Mashreq Cashback pay?
5% on dining, and 6 other rates.
Is there a cap on the Mashreq Cashback?
No monthly cap is published on the rates shown here.
What is the annual fee on the Mashreq Cashback?
No annual fee.
Knowing the rate is not the same as remembering it
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