Al Masraf World Credit Card

Q: Q1: What are the available payment plans with Al Masraf World Credit Card?

Ans: You can effortlessly opt for convenient payment plans including balance transfers, easy payment plans, and easy cash.

Q: Q2: What does over-limit mean?

Ans: Authorisation for transactions cannot surpass the credit limit assigned to the card. In case the customer has utilised the entire credit limit, additional fees and an over-limit fee will be applied. Transactions that exceed the limit may be rejected or incur fees as per the schedule of charges.

Q: Q3: What should you do in case of credit card fraud?

Ans: In case of credit card fraud, you can connect with the customer care centre by dialling 600 52 9999 and report the fraudulent transaction or even block the card.

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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

Credit cards present a great option to complete seamless transactions and enjoy a plethora of rewards and benefits. One of the most promising credit cards is the Al Masraf World Credit Card.

This credit card helps you earn cashback and rebates on shopping, travel, and lifestyle expenses.

Table of Content

Features and Benefits of Al Masraf World Credit Card
Fees and Charges Associated with Al Masraf World Credit Card
Eligibility Criteria to Apply for Al Masraf World Credit Card
Documents Required to Apply for Al Masraf World Credit Card
Frequently Asked Questions

Features and Benefits of Al Masraf World Credit Card

The table below lists the major features and benefits of the Al Masraf Credit Card —

Features and Benefits	Al Masraf World Credit Card
Al Masraf Reward Points	1.75 Points per USD 1 spent internationally 1.25 Points for every USD 1 spent on local purchases 0.5 Points for every USD 1 spent on select MCCs
Contactless Payment	Valid up to 3 transactions per day of AED 500 each
Samsung Pay	Provision Available
Airport Lounge Access	Get unlimited access to international airport lounges via LoungeKey for yourself
Priceless Specials ‘2 for 1’ Offers	Offers available across the Middle East for fine dining and other activities
Udemy.com	Get a discount of up to 30% on the major trending courses and a 50% discount on the course of the month
Booking.com	Get 10% cashback
Rentalcars.com	Get up to 10% off
Hertz	Get Gold Plus Rewards 5 star, free one class upgrade, the option to skip lines, and up to 15% discount
Avis	Get a free upgrade and up to 25% discount
Cleartrip.com Airline Discount	Up to 10% discount without any minimum spend cap. Use the promo code — MCWORLD
Global Blue VIP Service for VAT Reclaim	Get complimentary access to airport lounges across select cities. You also get access to fast-track services at select airports.
MyUS Premium Shipping Discount	Enjoy free premium membership for 2 years, discount of 30% on shipping in the first month, complimentary account set-up, and 20% off on shipping for the remaining 2 years
Travel Inconvenience Insurance	Cover for baggage loss of up to USD 3,000, trip curtailment or cancellation coverage of up to USD 7,500, and baggage or trip delay cover up to USD 300
Travel Medical Insurance	Cover for emergency medical scenarios, evacuations, and repatriation of up to USD 500,000, medical expenses in case of accident or sickness cover of up to USD 500,000, and daily hospital cash of up to USD 100
Free Travel Insurance Letter - Schengen Visa	Available
Mastercard for Your App	Available
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Fees and Charges Associated with Al Masraf World Credit Card

Here are the fees and charges associated with the Al Masraf World Credit Card —

Fees and Charges	Amount
Annual Fee	AED 500
Card Replacement Fee	AED 75
Late Payment Fee	AED 230
Temporary Limit Increase Charge	AED 150
Sales Slip Copy Charge	AED 65
Cash Advance Rate (per month)	Up to 3%
International Transaction Fee	Up to 2.75%
International Delivery Charges	AED 200
Supplementary Card Fee	Free
Cheque Return Fee	AED 200
Over Limit Fee	AED 250
Additional Statement Copy Fee	AED 45
Retail Interest Rate	Up to 3% per month
Cash Advance Fee	Up to 3% of every amount withdrawn (at least AED 100)
Credit Shield Fee	Up to 0.6% of the outstanding amount (per month)

Eligibility Criteria to Apply for Al Masraf World Credit Card

Go through the following eligibility criteria to apply for this Al Masraf credit card —

Minimum Salary – AED 15,000 per month
Minimum Age – 21 years
Income Bracket for Self-Employed Individuals – Average balance of over AED 50,000
Minimum Service Tenure – At least 6 months with confirmation
Nationality – UAE nationals or residents

Documents Required to Apply for Al Masraf World Credit Card

Listed below are the documents required to apply for this Al Masraf credit card —

Duly filled-in credit card application form
Emirates ID copy
Security cheque
If there is an income variance of over 20%, a pay slip will be required
In case you are a self-employed individual, provide additional documents including proof of ownership, power of attorney, and trade licence
Passport copy with residential visa page
Salary certificate (for non-salary transfer clients)
If you transfer salary to another account, provide recent 2 months’ bank statements showcasing salary credit

Find out more about the Al Masraf World Credit Card with some frequently asked questions below.

Frequently Asked Questions

Ans: You can effortlessly opt for convenient payment plans including balance transfers, easy payment plans, and easy cash.

Ans: Authorisation for transactions cannot surpass the credit limit assigned to the card. In case the customer has utilised the entire credit limit, additional fees and an over-limit fee will be applied. Transactions that exceed the limit may be rejected or incur fees as per the schedule of charges.

Ans: In case of credit card fraud, you can connect with the customer care centre by dialling 600 52 9999 and report the fraudulent transaction or even block the card.

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