Mawarid Finance
World Elite Credit Card (Pink)
The World Elite Credit Card (Pink) is a cashback credit card from Mawarid Finance. It has an annual fee of AED 1,050.
Annual fee
AED 1,050
Joining fee
Free
Min. salary
AED 5,000/mo
Rewards in
Cashback
Minimum salary: From Mawarid Finance's Key Facts Statement, which gives the UAE central bank's AED 5,000 for its covered cards.
Card highlights
- 10% cashback on groceries, dining and fuel (capped monthly); 2% on other retail
- Up to 14 airport lounge visits a year via Mastercard Travel Pass (spend condition applies)
- 7 complimentary valet visits a month at selected UAE locations (requires AED 8,000 monthly spend); airport transfers with Careem and fast-track security
- GHA Discovery Titanium membership and golf discounts via Mastercard Thriwe
Earn rates
| Category | Rate | Monthly cap |
|---|---|---|
| Supermarket | 10% | AED 750 |
| Dining & food | 10% | AED 750 |
| Fuel | 10% | AED 250 |
| Travel | 2% | No cap |
| Retail | 2% | No cap |
| Education | 2% | No cap |
| Transport | 2% | No cap |
| Online shopping | 2% | No cap |
| International spend | 2% | No cap |
Rewards on this card are capped at AED 5,000 a month across all categories (about AED 60,000 a year).
Benefits & perks
- •Complimentary airport lounge access via Mastercard Travel Pass: up to 14 visits per calendar year
- •Airport dining offers included within the 14-visit annual allowance
- •Airport fast-track security
- •Airport transfers with Careem
- •Valet parking: 7 complimentary visits/month at selected UAE locations (requires AED 8,000 monthly spend)
- •GHA Discovery Titanium membership
- •Mastercard Travel and Lifestyle concierge
- •Global data roaming package
- •Golf: 30% off or 1 complimentary guest at select clubs worldwide via Mastercard Thriwe (book 10 days ahead)
- •Travel medical insurance
- •Travel inconvenience insurance
- •Collision damage waiver on rental cars
- •Travel insurance confirmation letter
- •Car rental benefits with Avis, Budget, Hertz Gold Plus and more
- •Hotel discounts with Booking.com, IHG, Trip.com and more
- •Global Blue VIP shopping privileges
- •Bicester Village shopping privileges
- •Priceless Cities offers
- •Subscriptions: Shahid, Zee5, Fiit, ExpressVPN and more
- •Talabat and Carrefour grocery discounts
- •Costa Coffee offers
- •Heathrow Express offers
- •Medical tourism concierge
- •Flexible payment plans
About this card
- •Reward points: worth AED 1 each, redeemable for gift cards or cash back to your account
- •Minimum redemption: 250 points (unredeemed points expire)
- •Grocery cashback: capped at AED 750 per cashback period
- •Dining cashback: capped at AED 750 per cashback period
- •Fuel cashback: capped at AED 250 per cashback period
- •Total cashback cap: AED 5,000 per cashback period (16th of one month to 15th of the next)
Every card is checked against official bank sources. Last updated November 2026.
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Questions people ask
What does the Mawarid Finance World Elite Credit Card (Pink) earn?
An Islamic Mawarid Finance World Elite card in a pink design, with an AED 1,050 annual fee, waived with AED 50,000 of spending in a year, that pays 10% cashback as Falak Tayyeb Reward Points (worth 10% at Perkly's valuation of AED 1 a point) on groceries, dine-in and fuel, up to AED 750, AED 750 and AED 250 of cashback per cashback period, and 2% in points (worth 2% at Perkly's valuation) on other eligible retail spending, within an AED 5,000 total per period; utility bills, telecom, government payments and rent earn nothing.
What does the Mawarid Finance World Elite Credit Card (Pink) cost?
Annual fee AED 1,050 as printed in Mawarid's schedule of tariffs, waived when you spend at least AED 50,000 in a year. Perkly reads the printed figure as including VAT, but this is not settled: if 5% VAT were added, the fee would be AED 1,102.50. No joining fee. Mawarid's Murabaha profit rate on the card is 3.10% a month (an annualised rate of 37.72%).
What does spending abroad cost on the Mawarid Finance World Elite Credit Card (Pink)?
Spending abroad costs about 4.15% all in: Mawarid's 3.00% foreign currency transaction fee, which Perkly reads as already including VAT, plus 1.15% for Mastercard, which is Perkly's standard estimate because Mawarid's schedule of tariffs does not itemise a scheme charge; whether VAT is added to the 3.00% is not settled, and if it were, the total would be about 4.30%. International retail spending outside the 10% categories earns 2% cashback in points (worth 2% at Perkly's valuation).
What should I watch out for with the Mawarid Finance World Elite Credit Card (Pink)?
The 10% stops once you earn AED 750 of cashback on groceries, AED 750 on dine-in or AED 250 on fuel in a cashback period, which is AED 7,500, AED 7,500 and AED 2,500 of spending; Perkly has no record of what spending above a cap earns. Utility bills, telecom, government payments, rent, insurance, parking, app stores and money transfers earn no cashback at all. The AED 1,050 annual fee is waived only when you spend at least AED 50,000 in a year.
More from Mawarid Finance
Mawarid Platinum Credit Card
- 10% cashback on groceries, dining and fuel (capped at AED 250, AED 250 and AED 150 a month); 2% on other retail spend, excluding utilities, telecom, rent and several other categories
- Up to 4 airport lounge visits a year via Mastercard Travel Pass (visit count includes airport dining offers)
Updated October 2026
Mawarid Titanium Credit Card
- 10% cashback on groceries, dining and fuel (capped at AED 100/month each), 2% on other retail
- Free for life with no annual fee
Updated October 2026
Mawarid World Credit Card
- 10% cashback on groceries (up to AED 500/month), dining (up to AED 500/month) and fuel (up to AED 200/month); 2% on other local and international retail
- Up to 8 airport lounge visits a year via Mastercard Travel Pass (lounge and airport dining offers combined)
Updated October 2026