Mashreq Solitaire Credit Card

Mashreq Solitaire Credit Card is a super elite card that has been carefully designed and thoughtfully conceptualized to cater to the needs, demands and wants of the ever-so-discerning and affluent population of the UAE region. The card offers umpteen special privileges and benefits to its cardholder right from luxury fine dining to golf privileges. In addition to this, this card entitles the cardholders to a reward program that enables them to turn their everyday spends into extraordinary treats. All in all, this card meets the basic lifestyle need of its card members.                 

Features of Mashreq Solitaire Credit Card

Mashreq Solitaire Credit Card comes with a staggering range of awe-inspiring features. Following are some of the unique features of this card:

Mashreq Merchant Solutions

Being one of the largest card acceptance service providers throughout the United Arab Emirates, Merchant Payment Solutions cater a host of secured tailored card payment solutions. From reinforcing SME merchants & large department stores to restaurants, home-delivery solutions & large conglomerates, it provides an apt solution in order to give the business the competitive edge.

With the innovative Mashreq merchant solutions, you can expand your dream business by providing easy to pay online facility for your clients and customers. In today’s era the market for digital payments is growing substantially therefore it becomes crucial for you as a business owner to add in this facility. 

Balance Transfer

Card members can clear their card outstanding balances with this credit card and enjoy the flexibility of paying back in equated monthly instalments. Following are benefits of this balance transfer facility:

  • A low rate of interest
  • No need of income documentation
  • Fixed instalment with maximum tenure of 36 months
  • Transfer as high as 75% of the available credit limit 

 Now, with the balance transfer facility you can transfer your outstanding financial obligations to your Mashreq Credit card which can be later paid easily at lower rates of interest. However, an important point to be kept in consideration here is that cardholder will have to pay a balance transfer fee to the financial institution while transferring their existing debts to the new credit card.

Credit Shield

Credit shield is one of the best features of the Mashreq Solitaire Credit Card. It helps cardholders to enjoy a waiver of the outstanding balance on their card in a tragic event like permanent disability, Loss of Employment, and death. Also, they will be entitled to avail cash benefit in an event of hospitalization.This feature is quite similar to insurance plans that takes care of your family’s need and outstanding debts in case of any unfortunate event leading to demise or disability of the policyholder. 

0% Easy Payment Plan

Members of this Mashreq credit card can conveniently make large purchases and convert it into monthly instalments at 0% rate of interest.

Pay Protect

Pay Protect is the unique feature of this card that help cardholders and their nominees take care of card dues and other necessary expenses in the unforeseen event of the cardholder’s death or if he/she is diagnosis with a critical illness. The coverage provided includes:

  • Monthly benefit of 10% of the outstanding balance for a maximum of 12 months subject to maximum limit of AED 5000 per month for involuntary loss of employment.
  • Critical illness benefit of up to AED 50,000 upon diagnosis of critical illness.
  • Death benefit of up to AED 50,000

Easy Cash

Easy cash feature is especially designed for such times when the card member needs cash on an urgent basis. During such difficult times, members of this Mashreq credit card can avail extra funds without any paperwork at low rate of interest. Following are the key benefits of this feature: 

  • Loan amount a maximum of 75% of the credit limit on just a phone call.
  • Repayment tenure of as high as 36 months.

Smart Protect

Smart Protect is the unique feature of this card that provides coverage of:

  • AED 100,000 for accidental death
  • AED 50,000 for death due to sickness
  • AED 1000 monthly for a maximum period of 3 months for involuntary loss of job
  • AED 200 per person per day for a maximum period of 30 days as Hospital Cash Benefit
  • AED 500 per incident for ATM Assault globally
  • AED 2500 per incident for fraudulent charges

Revolving Balance Transfer

Card members can transfer their card outstanding amount to the Mashreq Solitaire credit card at 0% rate of interest for 6 months. However, they can transfer as high as 75% of their credit card limit.

Wallet Protect

It offers comprehensive global insurance against identity theft & loss or theft of a wallet. Enjoy unparalleled travelling experience with the wallet protect feature of Mashreq SmartSaver Credit card that gives you freedom and protects you against unforeseen events. 

Convenience Cash

Members of this card can avail extra cash over & above their Mashreq Solitaire credit card limit and get it transferred to their Mashreq Account or any other bank account across the United Arab Emirates. And then, they can repay it via equated monthly instalments at attractive rate of interest. To avail this benefit, there is no need of income documentation.

Benefits of Mashreq Solitaire Credit Card

Here are the key benefits of this Mashreq credit card:

Golf Benefits

The cardholder can avail complimentary golf access at Dubai’s and Abu Dhabi’s some of the premium golf clubs that includes Arabian Ranches, Yas Links, and Trump International Golf Club. Not only this, members of this card can also bring along their golf partner without paying any additional charges.

Complimentary Airport Lounge Access

The Mashreq Solitaire Credit Card offers its cardholder free access at more than 900 airport lounges worldwide with LoungeKey program. This facility can be availed by both primary and supplementary card members along with a guest.

Luxury Fine Dining

Card members can avail dining discounts exclusively at crème de la crème restaurants in the UAE. Also, they can save a maximum of 30% discount on the signature cuisines by some of the best restaurants and hotels across the UAE.

Complimentary Valet Parking

The cardholder can enjoy the free valet parking service at some of the premium locations in Abu Dhabi & Dubai.

Chauffeur Rides

The cardholder can avail free airport pick-up & drop-off service at Abu Dhabi Airport & Dubai International Airport. Please note that this facility is available only within the Emirate & no inter-Emirate.

Multi-Trip Travel Insurance

The Mashreq Solitaire Visa Infinite Credit Card offers comprehensive multi trip travel insurance for the entire family of the cardholder. It safeguards the card member for domestic as well as international trips for a maximum of 90 days duration.  

Marhaba Silver Meet & Greet

Cardholders can avail 6 free Marhaba Silver Meet & Greet services every calendar year with up to 2 services monthly. This service is available in Dubai only.

Health & Fitness

With this credit card, one can enjoy unlimited free visits to FitnessFirst.

Discount on Luxury Yacht Charter

The card member can avail 30% off on Luxury Yacht Charter.

Fees and Charges of Mashreq Solitaire Credit Card

Here are the fees & charges associated with the Mashreq Solitaire Credit Card:

Description Fees and Charges

Annual Membership Fee

AED 1575

Supplementary Card Fee

AED 630

Retail interest rate per month

3.45%

Cash Advance rate per month

3.75%

Cash Advance fee

3.15% or AED 210, whichever is greater

Over limit fee

AED 292.95

Late payment fee

AED 241.5

Card replacement fee

AED 78.8

Paper statement fee

AED 5.25

Returned cheque charge

AED 315

International Transaction Fee

AED 2.79%

Mashreq Solitaire Credit Card Rewards & Offers

Mashreq Solitaire Credit Card members get exclusive access to the UAE’s most popular and best banking loyalty program i.e. Salaam Points. This amazing loyalty program ensures maximum savings for the card members by ensuring maximum rewards on each dirham spent on the credit card. Also, it is backed with multiple redemption options across 2200 retail outlets throughout the UAE.

  • The cardholder can earn 3 Salaam Points on every AED spent internationally.
  • Member of this card can earn 1 Salaam Point on every AED spent locally.

How to Apply For Mashreq Solitaire Credit Card?

Applying for Mashreq Solitaire Credit Card is very easy. Interested applicants can apply for this card either online or offline.

Online

Applicants may visit the official website of Mashreq bank and apply for the Mashreq Solitaire Credit Card. Then he/she will need to fill up an online application form, feed in their personal details including name, address, monthly salary, etc. and submit their application. Upon successful submission of their applications, team at Mashreq Bank would carefully analyse the application and if the applicant qualifies for the card, they are contacted by representatives of Mashreq Credit Card for further documentation.

Offline

Alternatively, those applicants who are not comfortable in applying for the card online can apply for it offline. All they need to visit the nearest branch of the Mashreq bank in order to apply for the Mashreq Solitaire Credit Card.

FAQs on Mashreq Solitaire Credit Card

Q1: Is there an annual fee for the Mashreq Solitaire Credit Card?

Ans: Yes. Mashreq Solitaire Credit Card comes with an annual membership fee of AED 1575.

Q2: Is there any minimum spend threshold to start earning Salaam Points?

Ans: No. There is no minimum threshold for earning Salaam Points on the Mashreq Solitaire Credit Card. This means card members can earn Salaam Points for every dirham spent on the card, be it internationally or locally.

Q3: Can Salaam Points be earned for every transaction made on the Mashreq Solitaire Credit Card?

Ans: Card members can earn Salaam Points for every international and local transactions made on the card except for:

  • Balance transfers
  • Cash Advance
  • Credit Card Cheques
  • Finance Charges
  • Reversed transactions

Q4: Is there a minimum spend requirement in order to enjoy free valet parking?

Ans: Well, yes! You must have a cumulative bill of AED 10,000 to enjoy the benefits of valet parking.

Q5: How many Salaam Points do I earn with Mashreq Solitaire Credit Card?

Ans: For every international spend worth 1 AED, card members earn 3 Salaam points and for every domestic spend worth 1 AED, card members earn 1 Salaam Point.

Q6: How to redeem Salaam Points?

Ans: Salaam Points can be redeemed in 2 different ways. These are:

  1. Instantly at the POS (Point of Sales) at more than 2200 partner outlets.
  2. By redemption in exchange for gift vouchers.

Q7: Does Salaam Points ever expire?

Ans: Yes! Salaam Points expire will expire in 3 years from the date of earning.

Q8: Does the Gift Voucher redeemed against Salaam Points ever expire?

Ans: Yes! Gift Vouchers redeemed against Salaam Points expire in 180 days from the date of issuance. Gift Vouchers cannot be redeemed after expiry and the Salaam Points debited against the Gift Voucher are lost.

Q9: Do card members get supplementary cards with Mashreq Solitaire Credit Card? Is there a fee for supplementary cards?

Ans: Yes! Card members can avail supplementary cards with Mashreq Solitaire Credit Card for the eligible family members. Yes, there is a fee of AED 630 for each supplementary card.

Q10: Are there any penalties on earning Salaam Points?

Ans: Mashreq Bank can forfeit Salaam Points, terminate Salaam Points membership, stop the accumulation of points, or cancel redemption request in the following events:

  • Termination of Mashreq Solitaire credit card account
  • Over 30 days of delay in repayment of any credit card or loans
  • Non-compliance to the terms and conditions
  • Returned or bounced cheques
  • Fraud, money laundering, or any other illegal activities
  • Display of inappropriate behaviour by card holder
  • Expiry or voluntary cancellation of Mashreq Solitaire Credit Card account
  • Non-compliance or breach of Salaam Points Terms and Conditions
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