SmartSaver Global Credit Card

5% cashback on airlines & hotels

and duty free too!

2% cashback

on international spends

0.5% cashback

on local spends

10% discount

Great cashback internationally and locally
Guaranteed cashback of 2% on all your international spends and 0.5% on all local spends in the UAE. No caps. No complicated calculations. Just pure savings, guaranteed.
5% cashback on airline, hotel and duty free
Make travel more pleasurable with your SmartSaver Global card. Use your card for hotels,flight tickets or duty free purchases and get 5% cashback. Simply maintain monthly spends of AED 10,000 to enjoy AED 250 cashback per month.

No Hidden Fees

Annual fees
Primary Card: AED 750 + 5% VAT and Supplementary Card: AED 300 + 5% VAT
Interest rates
3.33% p.m. for the first 6 months. Up to 3.69% p.m. thereafter
Monthly minimum payment

5% of your monthly statement balance

interest free period
55 days


SmartSaver Global Cashback T&Cs
To find out more, click here.
General Terms & Conditions
To find out more, click here.

Still got questions

It’s easy to enjoy a host of benefits which include:
5% cashback on airline, duty-free and hotel spends (min. monthly spend AED 10,000, max. cashback AED 250)
0.5% cashback on spends in the UAE
2% cashback on spends internationally in another currency

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With SmartSaver Global Credit Card you start to earn cashback with the first AED 1 spend you make on the card, there is no minimum spend condition to start earning cashback.

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Primary Card: AED 750 + 5% VAT and 
Supplementary Card:AED 300 + 5% VAT

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All retail purchases made on the card will be eligible to cashback. Spends not qualified for cashback are:
  • Balance transfers
  • Local cash advances
  • Credit card cheques
  • Finance charges
  • All fees charged on the Card by the Bank
  • Transactions reversed by merchants
  • Utility bill payments like telephone bills, water and electricity bills made through the Bank's payment channels like Call Centre, Mashreq Online, ATM, Mobile Banking, Branches or any other Bank's payment channel.

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You can earn cashback on your Supplementary Card too. However, please note that the cashback can be redeemed only against the Primary Card account and will appear only on the statement of the Primary Card account.

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Yes, the savings earned have a maximum validity of 18 months from the date of earning. If the savings have not been redeemed within this period, it will expire. Additionally, accumulated cashback will be forfeited in below cases: Customer has not earned or redeemed any cashback in last twelve (12) months or Card account is delinquent.

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Once your savings balance reaches AED 100, you can redeem:
  • Visit Mashreq Online Banking for online instant redemption, or
  • Call the Direct Banking Centre on 04-4244444
Your savings will be credited within a maximum of 3 working days into the SmartSaver Global Credit Card account.

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The cashback earned can be redeemed upon the choice of the customer to the Credit Card account and will be applied directly to the outstanding balance of the card but does not count towards the minimum monthly payment on the card. The cashback is considered as a credit towards the card account and not as a payment, hence customer must still make the minimum monthly payment due on the card.

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The cashback will be calculated on your statement date. For example: for customers with a statement date (billing cycle) on the 16th, spending posted between the 16th and 15th of every month will be considered.

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If a transaction is reversed, the savings on the transaction will also be reversed. Savings will be only awarded to actual purchase transactions.

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