Invest Bank
Mastercard Platinum Credit Card
The Mastercard Platinum Credit Card is a cashback credit card from Invest Bank. It has an annual fee of AED 525, and needs a minimum salary of AED 5,000 a month.
Annual fee
AED 525
Joining fee
Free
Min. salary
AED 5,000/mo
Rewards in
Cashback
Material
Plastic
Card highlights
- Earn 3% cashback on spending, capped at AED 12,000 a year
- Unlimited access to 25+ regional and international airport lounges
- Up to 8% off Cleartrip international flights, plus hotel and car rental discounts
- Mastercard Priceless Specials via The Entertainer: dining, leisure and beauty deals
Earn rates
| Category | Rate |
|---|---|
| Travel | 3% |
| Retail | 3% |
| Supermarket | 3% |
| Dining & food | 3% |
| Fuel | 3% |
| Transport | 3% |
| Online shopping | 3% |
| International spend | 3% |
Rewards on this card are capped at AED 1,000 a month across all categories (about AED 12,000 a year).
Current welcome offer
First year annual fee free
- Annual fee from year two: AED 500 plus VAT (AED 525)
Benefits & perks
- •Unlimited lounge access at 25+ regional and international airports
- •Mastercard Priceless Specials via The Entertainer: dining, attractions, beauty and fitness deals across Middle East, Asia, Africa and Europe
- •Up to 8% off Cleartrip international roundtrip bookings
- •Hotel discounts at IHG and Booking.com
- •Car rental discounts at Avis, Budget and Rentalcars.com
- •Bicester Village VIP access with 10% additional discount
- •20% off up to 3 Careem rides per month
- •Shahid subscription discount
- •Fiit fitness app discount
- •Talabat discount
- •MyUS premium membership
- •Fulfill Visa Services travel visa assistance
- •Easy Payment Plan (instalments on purchases)
- •Balance Transfer facility
- •Easy Cash (cash on call)
- •Up to 3 supplementary cards at no extra charge
About this card
- •Annual cashback cap: AED 12,000 per year
Every card is checked against official bank sources. Last updated October 2026.
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Questions people ask
What does the Invest Bank Mastercard Platinum Credit Card earn?
An Invest Bank card paying 3% cashback on most spending, up to AED 12,000 of cashback a year, free in the first year and then AED 525 a year, for salaries from AED 5,000.
What does the Invest Bank Mastercard Platinum Credit Card cost?
No annual fee in the first year; from the second year AED 500 plus VAT (AED 525) a year. No joining fee. The first 3 supplementary cards are free; each further card costs AED 100 plus VAT (AED 105) a year.
What does spending abroad cost on the Invest Bank Mastercard Platinum Credit Card?
Spending abroad costs about 4.3% all in: Invest Bank's 3% foreign exchange fee plus VAT (3.15%), plus 1.15% for Mastercard, which is Perkly's standard estimate because Invest Bank does not give a figure for the scheme charge.
What should I watch out for with the Invest Bank Mastercard Platinum Credit Card?
It is not free for life: the first year is free, then AED 525 a year. Bills, rent and school fees may earn nothing: Invest Bank has not published what is excluded, so Perkly counts them at 0%. The AED 12,000 is a yearly ceiling; Invest Bank gives no monthly figure.