Aura Credit Card

The Aura Credit Card is a cashback credit card from Mashreq. It has no annual fee, and needs a minimum salary of AED 5,000 a month.

Annual fee

Free

Joining fee

Free

Min. salary

AED 5,000/mo

Rewards in

Aura Points

Card highlights

Earn up to 8% at Aura brands, 4% at Starbucks, 3% on UAE groceries
4 lounge visits a year via Mastercard Travel Pass (1,200+ lounges), unlocked by a USD 1+ international transaction
15% instant discount on full-priced items at participating Aura brands and Starbucks in the UAE
Free for life with no annual fee on primary or supplementary cards

Earn AED 500 in Aura Points as a new customer (or AED 100 for existing customers)

25,000 Aura Points (worth AED 500) credited when you spend AED 5,000 within the first 2 months
Existing Mashreq credit card customers receive AED 100 instead
New customers are those without a Mashreq credit card at application or in the preceding 6 months
Points credited by end of the third month after issuance, redeemable at participating Aura brands only

•4 complimentary airport lounge visits per year via Mastercard Travel Pass, at 1,200+ lounges worldwide
•15% instant discount on full-priced items at participating Aura brands (H&M, American Eagle, Shake Shack and more)
•15% instant discount on full-priced food and beverages at Starbucks UAE (in store only)
•Airport dining offers at select lounges via Mastercard Travel Pass
•Easy Payment Plan to convert purchases into instalments
•Free for life: no annual fee on primary or supplementary cards
•Supplementary cards available at no annual fee

•Aura Points value: AED 0.02 per point (50 points = AED 1)
•Points redeemable only at Aura partner brands (H&M, Starbucks, Boots, Shake Shack, Bath & Body Works)
•Points have no cash value and expire 12 months after earning

Every card is checked against official bank sources. Last updated September 2026.

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