Mashreq NOON Platinum Credit Card Review

Mashreq NOON Platinum Credit Card: A Shopper’s Delight

The Mashreq NOON Platinum Credit Card, introduced by Mashreq Bank, responds to the evolving consumer needs in today’s bustling digital marketplace where convenience, rewards, and seamless transactions are paramount. Crafted to elevate the shopping experience to new heights, this card blends lucrative benefits with innovative features, setting a new standard in the world of digital banking.

Welcome Bonus and Free Delivery: Attracting attention right out of the gate is the generous welcome bonus of up to AED 1,000, enticing new cardholders with immediate rewards. Moreover, the promise of unlimited free next-day delivery across the UAE on all noon express orders underscores the card’s commitment to convenience, ensuring that shoppers can indulge in their favorite purchases without worrying about delivery costs.

Accelerated Cashback Rewards: The Mashreq NOON Platinum Credit Card stands out with its accelerated cashback rewards, offering up to 5% cashback on purchases made across a range of platforms. From noon to Sivvi and NowNow, cardholders can enjoy substantial cashback rewards on their transactions, adding value to every purchase. Even for other transactions, including those in the noon Food and noon Minutes categories, the card ensures a respectable 1% cashback, demonstrating its versatility and broad utility.

Instant Digital Card and Priority Customer Service: In an era of instant gratification, the Instant Digital Card feature emerges as a game-changer, allowing users to dive into their shopping spree without delay. With no need to wait for physical card delivery, customers can start making purchases online immediately, epitomizing convenience and efficiency. Additionally, the card’s emphasis on priority customer service reaffirms its commitment to putting customers first, ensuring that assistance and support are readily available whenever needed.

No Annual Fees and Additional Benefits: One of the card’s most compelling propositions is its “free-for-life” status, with no annual fees for both primary and supplementary cards. This not only eliminates the burden of additional costs but also enhances the card’s appeal as a cost-effective and accessible financial tool. Furthermore, the Mashreq NOON Platinum Credit Card extends its value beyond shopping rewards, providing access to exclusive travel offers, Visa deals, and easy payment plans, catering to diverse lifestyle needs and preferences.

Pros and cons of the Mashreq NOON Platinum Credit Card:

Pros:

1. Generous Welcome Bonus: The card offers a welcome bonus of up to AED 1,000 for new cardholders, providing immediate value upon sign-up.
2. Free Delivery: Cardholders enjoy unlimited free next-day delivery across the UAE on all noon express orders, saving on delivery costs and enhancing convenience.
3. Accelerated Cashback Rewards: With up to 5% cashback on purchases made on noon, Sivvi, and NowNow platforms, along with 1% cashback on other transactions, the card offers attractive cashback rewards that add value to every purchase.
4. Instant Digital Card: The Instant Digital Card feature allows users to start shopping immediately without waiting for physical card delivery, offering convenience and flexibility.
5. Priority Customer Service: The card prioritizes customer service, ensuring that assistance and support are readily available whenever needed, enhancing the overall cardholder experience.
6. No Annual Fees: The Mashreq NOON Platinum Credit Card is free for life, with no annual fees for both primary and supplementary cardholders, making it a cost-effective option.
7. Additional Benefits: Beyond shopping rewards, the card provides access to exclusive travel offers, Visa deals, and easy payment plans, catering to diverse lifestyle needs and preferences.

Cons:

1. Monthly Spending Limitations: Cardholders can only earn cashback for monthly spends equal to or not exceeding the assigned credit limit on the Mashreq noon Credit Card, limiting the potential rewards for high spenders.
2. Standard Interest Rates and Fees: Like any credit card, the Mashreq NOON Platinum Credit Card is subject to standard interest rates and fees associated with credit card usage, which may impact cardholders who carry balances or incur additional charges.

Overall, while the Mashreq NOON Platinum Credit Card offers numerous benefits and rewards, potential applicants should consider these pros and cons to determine if the card aligns with their spending habits and financial goals.

Point-by-point comparison between the Mashreq NOON Platinum Credit Card, Emirates NBD Skywards Visa Infinite Credit Card, and ADCB LuLu Credit Card:

Welcome Bonus:

• Mashreq NOON Platinum Credit Card: Offers a welcome bonus of up to AED 1,000 for new cardholders and AED 100 for existing customers upon meeting spending requirements.
• Emirates NBD Skywards Visa Infinite Credit Card: Provides a welcome bonus of Skywards Miles for new cardholders upon meeting spending requirements. Specific bonus details may vary based on promotions.
• ADCB LuLu Credit Card: May offer a welcome bonus for new cardholders, depending on current promotions and offers.

Cashback Rewards:

• Mashreq NOON Platinum Credit Card: Offers accelerated cashback of up to 5% on purchases made on noon, Sivvi, and NowNow platforms, along with 1% cashback on other transactions. Also provides unlimited free next-day delivery across the UAE on all noon express orders.
• Emirates NBD Skywards Visa Infinite Credit Card: Earns Skywards Miles on every spend, redeemable for flights, upgrades, and other travel benefits. Additional perks include airport lounge access and exclusive discounts on travel bookings.
• ADCB LuLu Credit Card: Offers cashback on LuLu spends, dining, and other transactions. The cashback rates and categories may vary based on the cardholder’s spending behavior and promotions.

Digital Features:

• Mashreq NOON Platinum Credit Card: Provides an Instant Digital Card feature, allowing immediate access to card details for online shopping.
• Emirates NBD Skywards Visa Infinite Credit Card: Offers digital banking features and mobile app access for account management and transactions.
• ADCB LuLu Credit Card: Provides digital banking services and mobile app access for card management and transactions.

Fees:

• Mashreq NOON Platinum Credit Card: No annual fees for both primary and supplementary cardholders. Standard interest rates and fees apply.
• Emirates NBD Skywards Visa Infinite Credit Card: Annual fees apply, with varying rates based on the card variant. Standard interest rates and fees apply for transactions and balances.
• ADCB LuLu Credit Card: May have annual fees for primary and supplementary cardholders, depending on the card variant and promotions. Standard interest rates and fees apply for transactions and balances.

Why Choose Mashreq NOON Platinum Credit Card?

The Mashreq NOON Platinum Credit Card stands out with several benefits over its competitors like the Emirates NBD Skywards Visa Infinite Credit Card and the ADCB LuLu Credit Card:

1. Higher Welcome Bonus: New cardholders can receive up to AED 1,000 as a welcome bonus, which is higher than many other credit cards on the market.
2. Accelerated Cashback Rewards: Enjoy up to 5% cashback on purchases made on noon, Sivvi, and NowNow platforms, and 1% cashback on other transactions. This flexible and valuable cashback structure surpasses many competitors that have specific spending categories for cashback.
3. Unlimited Free Next-Day Delivery: Get free next-day delivery across the UAE on all noon express orders, a feature not commonly found among competitors.
4. Instant Digital Card: Access your card details immediately for online shopping, a convenience that some other cards may lack.
5. No Annual Fees: The card is free for life, with no annual fees for both primary and supplementary cardholders, making it a cost-effective option compared to rivals that may charge annual fees.