Al Masraf Platinum Credit Card

Q: Q1: How many PIN-less transactions can you do in a month?

Ans: As a cardholder, you can make up to 3 contactless transactions without a PIN per day, each with a limit of AED 500. Afterward, you must use a PIN for contactless transactions. Keep in mind that you, as a customer, bear the responsibility and liability for all transactions.

Q: Q2: How to activate your credit card and generate PIN?

Ans: To use the card, activate it first and set a PIN through the bank's IVR by calling 600 52 9999.

Q: Q3: How can you report a lost or stolen credit card?

Ans: Immediately connect with the Al Masraf contact centre by dialling 600 52 9999 and report a lost or stolen card. The bank will promptly block the card and issue a replacement, with applicable fees as per the schedule of charges.

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Airport Lounge
Shopping Benefits
Fuel benefits
Movie Discounts

Cashback up to AED 2,000
Rewards + Welcome Offers
No Annual Fee
Travel benefits
Dining Discounts
Entertainment Benefits

Written ByChanchal SinghContent Executive

Reviewed ByRavindra DhakarProduct Manager

Last updated on 11 March 2025Editorial Standards

The Al Masraf Platinum Credit Card stands out with its appealing reward benefits. As a cardholder, you can enjoy the advantage of fuel discounts and save yourself from the impact of rising fuel prices. Additionally, the card offers cashback on everyday purchases, making it a practical choice for various expenses.

With its user-friendly features, the Al Masraf Platinum Credit Card provides a hassle-free experience for earning and redeeming rewards. Whether it's filling up your tank or everyday shopping, this credit card offers a simple yet effective way to earn valuable perks and savings.

Features and Benefits of Al Masraf Platinum Credit Card

Tabled below are the salient features and benefits of the Al Masraf Platinum Credit Card —

Features and Benefits	Al Masraf Platinum Credit Card
Al Masraf Reward Points	1 Point per USD 1 spent on international expenses 0.75 Points for every USD 1 spent on local expenses 0.5 Points per USD 1 spent on specific MCCs
Contactless Payments	Make up to 3 transactions per day for AED 500 each
Airport Lounge Access	Get unlimited access to 25 particular regional and international airport lounges for self
Udemy.com	Get up to 30% discount on the top trending courses and a 50% discount on the course of the month
Rentalcars.com	Get up to 10% off
Avis	Upgradation subject to availability. Get up to 15% off in Europe and MENA and 12% in Canada and the US
MyUS Premium Shopping Discount	Get free premium membership for 2 years, complimentary account set-up, 30% discount on shipping for the first month, and 20% discount on shipping for the remaining 2 years’ membership
Purchase Protection	Get coverage for theft or accidental damage of USD 2,000 per claim and a maximum cap of USD 5,000 for over 12 months
Samsung Pay	Option Available
Priceless Specials 2 for 1 Offers	Offers available across the Middle East for fine dining and activities
Booking.com	Get a cashback of 10%
Cleartrip.com Airline Discount	Get up to 30% off (subject to upper limits on discount)
Mastercard for Your App	Available
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Fees and Charges Associated with Al Masraf Platinum Credit Card

The following are the fees and charges associated with the Al Masraf Credit Card —

Fees and Charges	Amount
Annual Fee	AED 150
Supplementary Card Yearly Charge	Free
Cheque Return Fee	AED 200
Over Limit Fee	AED 250
Additional Statement Copy Charge	AED 45
Retail Interest Rate	Up to 3% per month
Cash Advance Fee	Up to 3% of each withdrawn amount per month (at least AED 100)
Credit Shield	Up to 0.6% of the remaining amount
Card Replacement Fee	AED 75
Late Payment Charge	AED 230
Temporary Limit Increase Fee	AED 150
Sales Slip Copy (in case of user’s fault)	AED 65
International Transaction Fee	Up to 2.75%
International Delivery Charge	AED 200

Eligibility Criteria to Apply for Al Masraf Platinum Credit Card

Here are the eligibility criteria to apply for this credit card in UAE —

Minimum Salary – AED 7,000 per month
Minimum Income for Self-employed Individuals – Average balance of AED 50,000 or more
Minimum Age – 21 years
Nationality – UAE nationals and residents
Minimum Years of Service – 6 months with confirmation

Documents Required to Apply for Al Masraf Platinum Credit Card

To apply for the Al Masraf Platinum Credit Card, you will be required to submit these documents —

A duly filled-in credit card application form
Emirates ID copy
Passport copy with residential visa
Security cheque
Salary certificate if you are a non-salary transfer customer
In case of a salary difference of more than 20%, provide a pay slip
If you transfer your salary to another bank, provide 2 months’ bank statements showcasing salary credit.
For self-employed individuals provide documents such as the power of attorney, trade licence, or proof of ownership

Discover more about Al Masraf Platinum Credit Card with the following frequently asked questions section.

Frequently Asked Questions

Ans: As a cardholder, you can make up to 3 contactless transactions without a PIN per day, each with a limit of AED 500. Afterward, you must use a PIN for contactless transactions.

Keep in mind that you, as a customer, bear the responsibility and liability for all transactions.

Ans: To use the card, activate it first and set a PIN through the bank's IVR by calling 600 52 9999.

Ans: Immediately connect with the Al Masraf contact centre by dialling 600 52 9999 and report a lost or stolen card. The bank will promptly block the card and issue a replacement, with applicable fees as per the schedule of charges.

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