The UAE has quickly become one of the most vibrant online shopping hubs in the Middle East, with platforms like noon, Namshi, NowNow, and noon Food dominating everyday spending. To make the most of this digital-first lifestyle, shoppers in the UAE are increasingly turning to co-branded credit cards that provide exclusive discounts, cashback, and lifestyle perks.

Among the most popular is the Mashreq noon Credit Card, which is designed specifically for those who spend regularly across noon’s ecosystem. From cashback rewards of up to 10% to exclusive delivery perks and lifestyle discounts, the card makes online shopping smarter and more rewarding.

In this guide, we’ll take a close look at the Mashreq noon Credit Card’s benefits, explore the top 5 reasons it stands out, compare it with the Emirates NBD noon One Visa Credit Card, and share how you can maximize savings with smart strategies—including stacking rewards with the Noon Coupon “VG64” available on GC Coupons.

Key Features of the Mashreq noon Credit Card

Before diving into detailed benefits, here’s a snapshot of what cardholders can expect:

  • Annual Fee: Free for life.

  • Minimum Salary Requirement: AED 5,000.

  • Rewards Type: Cashback credited as noon credits.

  • Cashback Cap: AED 2,000 noon credits per month.

  • Welcome Bonus: AED 500 noon credits after meeting the minimum spend within two months.

  • Exclusive Discounts: Higher cashback on noon.com, noon Food, NowNow, Namshi, and SIVVI.

  • Lifestyle Benefits: Dining, cinema, and wellness perks.

Cashback and Discounts in Detail

The Mashreq noon Credit Card provides cashback in the form of noon credits, which are simple to redeem at checkout across the noon ecosystem. Here are the actual earning rates:

  • 10% back on noon.com, Namshi, and SIVVI purchases.

  • 10% back on NowNow orders (instant delivery).

  • 15% back on noon Food (meal delivery).

  • 1% back on all other spends.

Monthly Cap: A maximum of AED 2,000 in noon credits can be earned per calendar month.

This structure is particularly beneficial for households that spend frequently on groceries, essentials, and takeout—areas where traditional cashback cards typically offer just 1–2%.

Top 5 Benefits of the Mashreq noon Credit Card

1. High Cashback on noon Ecosystem

Cardholders earn up to 15% back on noon Food and 10% back on noon, NowNow, Namshi, and SIVVI—making it one of the highest-earning shopping cards in the UAE.

2. Lifetime Free Card

There are no annual fees, making it affordable for anyone with a minimum salary of AED 5,000. This is a key benefit compared to many other UAE cards that charge AED 300–600 annually.

3. AED 500 Welcome Bonus

New cardholders receive AED 500 in noon credits upon spending AED 5,000 within the first two months. This immediate benefit makes the card highly appealing for new sign-ups.

4. Lifestyle Perks Beyond Shopping

The Mashreq noon Credit Card offers a range of lifestyle benefits through Mashreq’s partnerships:

  • Dining discounts at selected restaurants.

  • Cinema offers include buy-one-get-one-free tickets.

  • Health and wellness perks such as discounts on gyms, spas, and leisure activities.

5. Easy Redemption of Rewards

Unlike many cashback or points-based cards that require complex redemption processes, rewards are credited directly as noon credits, which can be applied instantly during checkout.

Real-Life Savings Scenarios

Scenario 1: Grocery Shopping via NowNow

  • Spend: AED 300

  • Cashback: 10% = AED 30 noon credits

  • Net Spend Value: AED 270 + AED 30 credits for future orders

Scenario 2: Dinner ordered via noon Food

  • Spend: AED 120

  • Cashback: 15% = AED 18 noon credits

  • Net Spend Value: AED 102 + AED 18 credits

Scenario 3: Fashion Order on Namshi

  • Spend: AED 500

  • Cashback: 10% = AED 50 noon credits

  • Net Spend Value: AED 450 + AED 50 credits

By combining these with a promo code like “VG64”, available via GC Coupons, shoppers can layer additional discounts on top of their cashback, further lowering total costs.

Comparison: Mashreq noon Credit Card vs Emirates NBD noon One Visa Credit Card

Both the Mashreq noon Credit Card and the Emirates NBD noon One Visa Credit Card are strong contenders for UAE shoppers. While they share similarities, each has unique strengths.

Feature Mashreq noon Credit Card Emirates NBD noon One Visa Credit Card
Annual Fee Free for life Free for life
Minimum Salary AED 5,000 AED 5,000
Welcome Bonus AED 500 noon credits AED 500 noon credits
Cashback on noon.com, Namshi, SIVVI 10% 5%
Cashback on NowNow 10% 10%
Cashback on noon Food 15% 20%
Other Spends 1% 1%
Extra Discounts None specific 15% instant discount on non-electronics at noon Minutes
Lifestyle Benefits Dining, cinema, wellness Dining, cinema, wellness

Key Takeaway

  • Mashreq noon Credit Card is better for those who want higher cashback on noon, Namshi, and SIVVI.

  • Emirates NBD noon One Visa excels for food delivery and shoppers who frequently use noon Minutes.

Both cards complement each other well, and the choice depends on where a household spends most of its money. Importantly, neither card overshadows the other—they’re both excellent for different spending patterns.

Maximizing Savings with Stacking

The true power of these cards comes when their cashback is combined with noon coupon codes and membership benefits:

  1. Apply the Noon Coupon “VG64” from GC Coupons for upfront discounts.

  2. Pay with the Mashreq noon Credit Card to earn cashback credits.

  3. Redeem credits on your next order, creating a cycle of continuous savings.

For heavy shoppers, this approach can yield savings of 25–30% monthly, depending on category and frequency of spend.

Read: Emirates NBD noon One Visa Credit Card Guide

FAQs

Is the Mashreq noon Credit Card free for life?

Yes, there are no annual fees or hidden charges.

How are cashback rewards credited?

Cashback is credited as noon credits, which can be redeemed instantly at checkout.

Can I earn rewards outside noon?

Yes, you earn 1% cashback on all other spending.

Which card is better—Mashreq noon or Emirates NBD noon One Visa?

Neither is strictly better. The choice depends on your spending habits: Mashreq is stronger for noon.com, fashion, and groceries, while Emirates NBD offers better value on food delivery and noon Minutes.

Conclusion

The Mashreq noon Credit Card is a must-have for UAE residents who shop frequently on noon and its associated platforms. With up to 15% cashback, a lifetime free structure, and instant rewards credited as noon credits, it’s both practical and rewarding.

When paired with savings tools like the Noon Coupon “VG64” from GC Coupons, the value multiplies, making it one of the smartest choices for UAE shoppers in 2025.

At the same time, the Emirates NBD noon One Visa Credit Card remains a strong alternative, especially for heavy users of noon Food and noon Minutes. Both cards together cover almost every shopping category, giving UAE residents maximum flexibility and value.