Covered Cards – Al Masraf

We are pleased to introduce The Al Masraf Islamic Covered Cards. Our customers now have the option to choose a fully Sharia’a compliant Covered card designed specially to meet their lifestyle. We offer the full range of cards -World Elite, World, Platinum & Standard.

Al Masraf has designed this as a premium product offering to meet and exceed our discerning customers’ expectations. In addition to this we offer a world of bespoke benefits & experiences for our customers to enjoy.

Promotions Terms & Conditions

  1. In accordance with the Promotion Terms and Conditions. Card Holder will receive upfront credit of the cash back upon activation of the card as agreed at the time of signing the application form. Card Holder understand and acknowledge the minimum spend condition as follows
  2. Cash Back Credit Minimum Retail Spend required
    AED 1,200 AED 75,000 within 12  months from Card Issuance
    AED 1,000 AED 50,000 within 12 months from Card Issuance
    AED 500 AED 30,000 within 12 months from Card Issuance


    1. The Bank is authorized to recover Cash Back related to the Cash Back Promotion and Card Holder authorizes Al Masraf to charge his/her Al Masraf Covered Card or Bank account(s) to claw-back the Cash Back Value without further notice or intimation under any of the below circumstances:
      • Card Holder does not spend the minimum Retail spends as per above table and conditions
      • Card Holder cancels the provided Al Masraf Covered Card within 12 months from date of issuance without meeting above conditions
      • Card Holder defaults on any of his/her obligations to the Bank.


We are committed to offering you a wealth of in-depth global knowledge so you may enjoy the most rewarding experiences possible. Whether it’s the most sought-after reservation in New York, a personal jet to take you there, or the peace of mind to make the journey enjoyable, we are just a call away. More than providing a simple service, we can be your trusted guide for the journey ahead. We bring you a world of bespoke and authentic experiences.


The combination of worldwide acceptance and valuable features means that you have the freedom to do exactly what you want, whenever you feel like it. And travel-specific features and benefits give you the exceptional service you’ve come to expect from your Al Masraf Covered Card.


Our Al Masraf Platinum MasterCard® Covered Card is the defining purchasing tool for premium cardholders looking for worldwide acceptance, excellent service and exceptional benefits. If your passion is savoring life’s pleasures, this card is up to the task.


Our Al Masraf Standard MasterCard® Covered Card can be used for all your shopping needs. Use your card for everyday purchases to help you control expenses. You can use it to pay at places that don’t accept cash or checks, like hotels or online. Use your card to cover large or unanticipated expenses, like major appliances or car repairs, and your card makes travel so convenient. Your MasterCard® Covered card gives you the freedom to be able to support the lifestyle you want.

Security Notice

  1. Please do not share your user ID and Passwords with anybody. Keep it totally Confidential
  2. Please Keep your Passwords Complex and change them regularly
  3. Please do not share your Debit/ATM card or Credit card password with anybody. Keep it totally Confidential
  4. Never respond to any Email or SMS asking for your User ID, Passwords, Credit / ATM Card information or any other information. If you receive any, report to us
  5. For using Al Masraf Online Banking, Ensure you type and avoid following any links received via e-mail, SMS, etc.
  6. Ensure your personal, identification and contact details are up to date in our bank records
  7. Ensure to log off immediately once you have finished using your online banking.

إشعار امني

  1. يرجى عدم مشاركة معرف المستخدم وكلمات المرور مع أي شخص. ابقها سرية تماماً
  2. يرجى أن تختار كلمات مرور معقدة مع الحرص على تغييرها بانتظام
  3. يرجى عدم مشاركة كلمة المرور لبطاقة الايداع / بطاقة الصراف الآلي أو بطاقة الائتمان الخاصة بك مع أي شخص. ابقها سرية تماماً
  4. لا ترد أبدا على أي رسالة بريد إلكتروني أو رسالة قصيرة تطلب منك الإفصاح عن هوية المستخدم الخاص بك أو كلمات المرور أو معلومات بطاقة الائتمان/الصراف الآلي أو أي معلومات أخرى. إذا تلقيت أي من الرسائل المشار إليها أعلاه، يرجى منك أن تبلغنا بذلك
  5. لاستخدام خدمات " المصرف " عبر الإنترنت، تأكد و تجنب اتباع أي روابط ترِدُك عبر البريد الإلكتروني أو الرسائل القصيرة أو غيرها
  6. تأكد من أن معلوماتك الشخصية والتعريفية وتفاصيل الاتصال بك المصرح بها في سجلاتنا المصرفية محدثة
  7. تأكد من تسجيل خروجك فورا بعد الانتهاء من استخدام الخدمات المصرفية عبر الإنترنت.
For better experience, download now our free mobile App
Install Now