Cashback
Mashreq
Aura World Elite Credit Card
The Aura World Elite Credit Card is a cashback credit card from Mashreq. It has an annual fee of AED 1,575, and needs a minimum salary of AED 5,000 a month.
Annual fee
AED 1,575
Joining fee
Free
Min. salary
AED 5,000/mo
Rewards in
Aura Points
Card highlights
- Earn up to 12% at Aura brands, 5% on UAE groceries, 1.25% on international and other local spend (as Aura Points)
- Aura Star tier for life of the card, plus 14 lounge visits a year at 1,200+ lounges via Mastercard Travel Pass
- 25% instant discount at participating Aura brands and Starbucks in the UAE
- MakeMyTrip discounts: 15% off flights and up to 1 free hotel night on stays of 3 nights or more
Earn rates
| Category | Rate |
|---|---|
| Retail | 8% |
| Dining & food | 8% |
| Supermarket | 5% |
| Travel | 1.25% |
| Online shopping | 1.25% |
| International spend | 1.25% |
| Fuel | 0.25% |
| Utilities | 0.25% |
| Education | 0.25% |
| Transport | 0.25% |
| Real estate | 0.25% |
Current welcome offer
Earn 125,000 Aura Points (worth AED 2,500) as a welcome bonus
- Spend AED 15,000 or more within the first 2 months of card issuance to qualify
- Existing Mashreq credit card customers receive AED 500 instead
- New customers are those who have not held a Mashreq credit card in the preceding 6 months
- Bonus credited to your Aura account by end of the third month after issuance, redeemable at participating Aura brands only
Benefits & perks
- •14 complimentary airport lounge visits per year via Mastercard Travel Pass, at 1,200+ lounges worldwide
- •Lounge access includes guest visits for companions on the same flight (additional guests charged USD 32 each)
- •Lounge access activated by a single international transaction of USD 1+, valid for 3 months per qualifying transaction
- •Complimentary upgrade to Aura Star membership tier for the life of the card
- •25% instant discount on full-priced items at participating Aura brands (H&M, American Eagle, Shake Shack and more)
- •25% instant discount on full-priced food and beverages at Starbucks UAE (in-store only)
- •MakeMyTrip round-trip flights: 15% off (up to AED 200) plus 15% wallet bonus (up to AED 200)
- •MakeMyTrip one-way flights: 15% off (up to AED 100) plus 15% wallet bonus (up to AED 100)
- •MakeMyTrip hotels: 1 free room night (capped at AED 1,000) on stays of 3 nights or more
- •MakeMyTrip hotels: 20% off (up to AED 500) plus 20% wallet bonus (up to AED 500) on stays under 3 nights (min. booking AED 400)
- •MakeMyTrip offer available via coupon code MASHREQAURAWE, once per user per month, until 31 August 2027
- •Supplementary cards available (up to 4 additional cardholders)
- •Easy payment plan to convert purchases into instalments
About this card
- •Aura Points value: AED 0.02 per point (50 points = AED 1), redeemable at Alshaya brands including H&M, Starbucks and Boots
- •Points have no cash value and expire 12 months after they are earned
Every card is checked against official bank sources. Last updated September 2026.
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More from Mashreq
CashbackWelcome offer
Mashreq Aura Credit Card
- 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
No annual feeView card
Updated September 2026