Emirates NBD Noon One Visa vs Mashreq Cashback Credit Card

Two free everyday cards, one paying inside an ecosystem and one in cash.

Verified 1 Nov 2026

Our verdict

The noon One pays a far higher rate than anything else here, but in noon credits and only on noon — outside that it is an ordinary flat-rate card. It is a good card if your groceries and food delivery already run through noon, and unremarkable if they do not.

Mashreq pays real cashback and pays it anywhere, with a strong dining rate. Note its bill-bundle rate, which is very low and covers a wide list of everyday categories; the table carries the current figures.

Side by side

	ENBD Noon One Visa	Mashreq Cashback Credit Card
Annual fee (year 2+) Annual fee year 2+	Free	Free
Minimum salary Min salary	AED 5,000/mo	AED 5,000/mo
Top earn rate Top earn rate	Dining 20% ↗	Dining 5%
Welcome bonus Welcome bonus	AED 500 noon credits on AED 5,000 spend + 1-year free noon One membership	AED 500 welcome bonus for new credit-card customers (AED 100 for existing customers) on AED 5,000 of spend within the first 2 months.
Lounge access Lounge access	None	None

Adjust spend AED 7,800/month

Compare spend rewards minus card fees on eligible everyday UAE purchases.

Uses each card’s general rate, not boosted or reduced-rate categories, and assumes you pay the balance in full. Welcome offers, perks, paid add-ons, rebates and foreign-currency charges aren’t included. Issuer exclusions and credit limits still apply. Targeted or promotional fee waivers are not modelled unless stated on the estimate.

Model groceries, dining and other categories in the spend-return calculator →