Mashreq Al Islami Cashback cashback rate, cap and annual fee
Mashreq Al Islami Cashback pays 5% on dining, and 7 other rates.
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Mashreq Al Islami · United Arab Emirates · catalogue v121
Read from Mashreq Al Islami's own published terms on 29 Oct 2026.
NoneAnnual fee
5%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| dining | 5.00% | —5% on dining, local and international, with no cap. |
| everything else | 1.00% | —1% on other spending, at home and abroad. Mashreq words the local rate as a maximum and prints no lower figure. |
| government | 0.15% | —Government payments and utilities, on Mashreq's low list, 0.15%. |
| education | 0.15% | —Education, on Mashreq's low list, 0.15%. |
| fuel | 0.15% | —Fuel, on Mashreq's low list, 0.15%. |
| rent and property | 0.15% | —Rent, on Mashreq's low list, 0.15%. |
| phone and internet | 0.15% | —Telecoms, on Mashreq's low list, 0.15%. |
| charityeverything else | 0.15% | —Charity, on Mashreq's low list, 0.15%. |
The Islamic twin of Mashreq Cashback, and on Mashreq Al Islami's own page, which the earlier reading had not found: 5% on dining at home and abroad with no cap, 1% on international spending and on other local spending (worded as a maximum), 0.15% on government payments, utilities, education, charity, fuel, rent and telecoms, and nothing on bills paid through Mashreq's app or online banking. Free for life, no minimum spend, minimum income AED 5,000. Cashback redeems from AED 100, lasts 36 months, and is forfeited after 12 months with no earning or redemption. A 20% introductory rate on Netflix, Talabat and Careem for the first four months (AED 50 per merchant a month) is a promotion and is not modelled. Visa, as the page's Visa offers say. Source: mashreqalislami.com Cashback Credit Card page and its FAQs, read 29 Oct 2026.
Questions people ask
What cashback does the Mashreq Al Islami Cashback pay?
5% on dining, and 7 other rates.
Is there a cap on the Mashreq Al Islami Cashback?
No monthly cap is published on the rates shown here.
What is the annual fee on the Mashreq Al Islami Cashback?
No annual fee.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.
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