sMiles Credit Card

Go the extra mile

each time you travel

Earn sMiles on all spends

& bonus sMiles in the first year

Free lounge access

within the Middle East

Redeem your sMiles

anytime, anywhere online!

Be rewarded on every spend

Earn 1.5 sMiles on every dirham spent and a bonus of 30,000 sMiles in your first year. 10,000 sMiles bonus on paying your annual fee, 10,000 sMiles on spends of AED 5,000 in the first 30 days and 10,000 sMiles on spends of AED 40,000 in the first 12 months.

The luxury of lounge access

Enjoy unlimited complimentary access to Marhaba Lounges at Dubai International Airport (Terminals 1, 2 and 3), DWC – Al Maktoum International Airport & in Kuwait, Egypt, Jordan and KSA. Primary and Supplementary cardholders need to show individual cards to avoid guest charges.

Redeem your sMiles instantly online

It’s easy to redeem your Mashreq sMiles anytime, anywhere. Simply go online and search your flights or hotel accommodation and our smart points engine will do the calculation for you. 
Redeem sMiles for Flights,  Redeem sMiles for Hotels
sMiles Calculator

Get the most out of your sMiles

What’s your monthly spend?

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Offers

Mashreq Vantage points

Earn rewards on spends and redeem them instantly

Travel Easy

Discover a host of travel offers which offer peace of mind and great savings.

Mastercard offers

Exclusive discounts and deals and offers from Mastercard.

Easy Payment Plan

Enjoy shopping and the freedom to buy now and pay later with Easy Payment Plan

No Hidden Fees

Annual fees

Primary Card: AED 300 + VAT   
Supplementary Card: No Annual Fees

 
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

Transparency

sMiles Credit Card T&Cs
To find out more, click here.

Still got questions

You will not earn sMiles on purchases made on charity, government related services, and
utility payments. Other than this, there are no limits, no thresholds, no tiers and no caps to sMiles earning. There is no minimum
spend required to start earning sMiles.
 

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In the case of a transaction reversal, the sMiles earned for that transaction will also be reversed.
sMiles will only be awarded to actual purchase transactions.
 

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sMiles that have not been redeemed prior to 18 months or at the time of cancellation of the Card will be
forfeited. So be sure to redeem your sMiles before you cancel your card.
 

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You can check available miles and redemption history by visiting your sMiles account on https://rewards.mashreqsmilescard.com/fm/customer.html?action=login2

Your monthly credit card statement will also show your updated balance and will indicate your available

sMiles as of the month’s billing.

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While the Mashreq sMiles Credit Card offers you the fastest route to earning sMiles, there are some circumstances under which sMiles cannot be earned;
  • If you are behind on the minimum monthly repayments on any Mashreq Credit Card
  • In the event your sMiles card is blocked due to dispute, reported lost/stolen, captured by ATM or cancelled
  • Until the status of your card is corrected and back to active status your privileges will cease. During this time, the accrual will continue.
  • If your account is closed or payment is overdue for more than 90 days, the sMiles account will be permanently cancelled and all sMiles will be lost.

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sMiles will not be earned on transactions made for Charities, Government related services, and utility payments. All other transactions are applicable for sMiles earning.

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Step 1: Visit the Mashreq sMiles link to register your account, enter your registered mobile number and email id or date of birth and click ‘activate’. Step 2: The portal sends you an OTP (one-time password) on your registered mobile number with Mashreq Bank. This will be the same mobile number you have just entered to activate.
Step 3: Enter the OTP in the space provided and click to activate your account. The portal will take you to your account home screen. We recommend that you take a few minutes to browse the portal to discover the benefits of Mashreq sMiles.

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You can redeem as soon as they get credited to your account. You don’t need to have any minimum sMiles to start redeeming.

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Yes, they are necessary. It helps authenticate your identity and allows us to communicate with you and airlines, hotels and service providers. They are also used in case of unforeseen circumstances (e.g. rescheduling of flight or cancellation etc.).

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Yes, the registration/log-in process on Mashreq sMiles website is independent of your access to Mashreq Bank’s online banking.

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