Invest Bank
Mastercard World Credit Card
The Mastercard World Credit Card is a cashback credit card from Invest Bank. It has an annual fee of AED 1,575, and needs a minimum salary of AED 25,000 a month.
Annual fee
AED 1,575
Joining fee
Free
Min. salary
AED 25,000/mo
Rewards in
Cashback
Material
Plastic
Card highlights
- Earn cashback on local and international spend, up to AED 18,000 a year
- Unlimited complimentary access to 1,000+ airport lounges in 450+ cities via Dragon Pass
- Travel insurance up to USD 500,000 (cardholder, family and helper) plus trip cancellation to USD 7,500
- Mastercard Priceless Specials via The Entertainer: dining, attractions, beauty and fitness offers
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 1,500 a month across all categories (about AED 18,000 a year).
Benefits & perks
- •Unlimited complimentary airport lounge access at 1,000+ lounges in 135+ countries via Dragon Pass
- •Travel accident and medical insurance up to USD 500,000 (cardholder, family and helper)
- •Trip cancellation and curtailment cover up to USD 7,500
- •Baggage loss cover up to USD 3,000
- •Travel delay cover up to USD 300
- •In-hospital cash benefit of USD 100/day
- •Online travel insurance confirmation letter for Schengen and visa applications
- •Mastercard Priceless Specials via The Entertainer: dining, attractions, beauty and fitness offers
- •Up to 10% off international bookings via Cleartrip
- •Hotel discounts at IHG, Onefinestay, Booking.com and more
- •Car rental discounts at Hertz, Avis, Budget and more
- •Bicester Village VIP access with 10% discount
- •Careem ride discounts
- •MyUS premium membership
- •Discounts with Talabat, Fiit, Shahid and more
- •Easy instalment plan (EPP) on purchases
- •Balance transfer facility
- •Up to 3 supplementary cards at no extra annual fee
About this card
- •Annual cashback cap: AED 18,000
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 World Credit Card earn?
An Invest Bank cashback card for incomes of AED 25,000 or more, with an AED 1,575 annual fee from the first year, unlimited Dragon Pass lounge access and up to AED 18,000 of cashback a year; Invest Bank states no cashback rate for this card, and Perkly models it at 3%.
What does the Invest Bank Mastercard World Credit Card cost?
Annual fee AED 1,500 plus VAT (AED 1,575), charged from the first year. No joining fee. The first 3 supplementary cards are free; each further card costs AED 300 plus VAT (AED 315) a year.
What does spending abroad cost on the Invest Bank Mastercard World 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 World Credit Card?
Invest Bank gives no cashback percentage for this card, only up to AED 18,000 a year; the 3% Perkly uses comes from the Platinum card and aggregators, so treat any figure as an estimate. The AED 1,575 fee is charged from the first year, and Perkly has no record of a waiver. Bills, rent and school fees may earn nothing: Invest Bank has not published what is excluded, so Perkly counts them at 0%.