1Ranked firstMMashreq BankMashreq SolitaireAED 1,575/yr · AE

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Premium & Luxury · United Arab Emirates

Mashreq Solitaire Credit Card

4.5 / 5 editorial score

The Mashreq Solitaire is an ultra-premium World Elite card built for high earners, bundling lounge visits, Mashreq Vantage points, concierge and exclusive lifestyle privileges.

#1 of 3 · Premium & Luxury · UAE #2 of 17 · All UAE cards

Annual feeAED 1,575/yr

IssuerMashreq Bank

NetworkMastercard

Welcome offerGenerous welcome points bonus after activation and spend

Interest rateApprox. 3.49% per month on outstan…

Foreign fee2.89% spread on international…

Who qualifiesVery high income, UAE residency

Why it ranks

Comprehensive ultra-premium benefit suite
12 complimentary lounge visits a year after an international purchase
Strong rewards earning

What holds it back

Very high annual fee
Requires a very high monthly salary
Foreign currency markup on overseas spend

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Our verdict

Why the Mashreq Solitaire Credit Card ranks where it does

Solitaire is a benefits card whose rewards are weaker than they look. Mashreq's key facts sheet puts the fee at AED 1,575 including VAT, with a minimum salary of AED 25,000, and the card earns Mashreq Vantage points: 6 per AED on international spends, 4 on airlines, hotels and travel, 2 on other local spends and 1 on government, utilities, fuel, education, telecom, rent and charity.

The redemption table is what matters. Mashreq converts 380 Vantage points into AED 1 of cashback, so 6 points per AED is about 1.6% back and 2 points about 0.5%. Against that, international transactions carry a 2.89% spread, which means the headline international rate does not even cover the currency cost. Points go further as Skywards Miles, at 22 points per mile, but that only helps people who fly Emirates.

The real reasons to hold it are the extras: 12 lounge visits a year once you have made an international purchase, two weekend golf games and two valet parkings per billing cycle after AED 10,000 of spend, Fitness First access on the same condition, and 50% off eight cinema tickets a month. People who use those every month can justify the fee; people looking for points should look elsewhere.

Good fit if

Residents earning AED 25,000 or more who golf and use valet parking
People who spend AED 10,000 a month on the card to unlock the extras
Emirates flyers who convert points to Skywards Miles

Skip it if

Anyone choosing a card mainly for cashback value
Heavy international spenders, since the 2.89% spread exceeds the earn rate

Worked example

Assume AED 15,000 of local spend, AED 2,000 on travel and AED 3,000 abroad each month. That earns 30,000 + 8,000 + 18,000 = 56,000 Vantage points, or 672,000 a year. At Mashreq's cashback rate of 380 points per AED, which we use as the conservative value, that is about AED 1,768 against the AED 1,575 fee. The AED 36,000 spent abroad in the year also incurs the 2.89% spread, about AED 1,040, so the net result is negative unless you use the lounges, golf and valet.

How it stacks up

The ADCB TouchPoints Infinite costs AED 1,050 and gives unlimited lounge access for you and a guest, but ADCB does not publish a clear point value. The Liv Cashback+ suits people who want value from spending itself: up to 4% on all spend above AED 15,000 a month, with a 1.99% currency fee, for AED 735. Solitaire is the pick only when its golf and valet benefits are used.

The Mashreq Solitaire is an ultra-premium World Elite card built for high earners, bundling lounge visits, Mashreq Vantage points, concierge and exclusive lifestyle privileges.