Mastercard Credit Cards

A Mastercard credit card lets you borrow and repay over time, with rewards, cash back, and benefits built around how you spend. Mastercard credit cards are designed for everyday spending through to premium travel.

Participating banks across the Middle East and Africa issue Mastercard credit cards. Exact benefits and eligibility depend on your card issuer and market.

Mastercard offers seven credit cards, from Standard Mastercard to World Legend Exclusive Mastercard®. Each card offers a different level of benefits.

The Mastercard credit card range includes:

1. Standard Mastercard is designed for an always-on, always-connected lifestyle.
2. Titanium Mastercard offers everyday e-commerce benefits.
3. Platinum Mastercard offers value offers and select travel benefits.
4. World Mastercard® offers rewards and benefits with seamless payments on the global Mastercard Network.
5. World Elite Mastercard® offers exclusive travel, entertainment, and dining benefits, including VIP lounge access and concierge service.
6. World Legend Mastercard® offers global dining, entertainment, and travel benefits.
7. World Legend Exclusive Mastercard® offers exceptional and exclusive experiences at the very top of the card range.

The availability of each Mastercard credit card depends on your card issuer and market.

A premium or elite Mastercard credit card offers a wider range of travel, lifestyle, and service benefits than an entry-level card. In the Mastercard range, premium cards include Platinum Mastercard and the World range of cards.

Premium Mastercard credit card benefits can include:

1. VIP lounge access is available at eligible airports.
2. Concierge service is available around the clock.
3. Exclusive dining, entertainment, and travel experiences are available worldwide.
4. Priceless® experiences are available in over 45 destinations around the globe.

Premium benefits depend on your card issuer and market.

To choose a premium credit card, match the card's benefits to how you spend and travel. Then compare the fees and eligibility offered by your card issuer.

Follow these steps to choose a premium Mastercard credit card:

1. Review your spending: Identify whether you spend most on travel, dining, entertainment, or everyday purchases.
2. Compare card benefits: Review the benefits of Platinum Mastercard and cards in the World range.
3. Check fees and eligibility: Ask your card issuer about annual fees, interest rates, and eligibility criteria.
4. Confirm local benefits: Check which benefits apply in your market before you apply.

Mastercard credit card rewards are built around how you spend and can include cash back, offers, and access to experiences. Your card issuer defines how rewards are earned and redeemed on your card.

Some benefits, such as Priceless® experiences and The Mastercard Collection, are available through Mastercard programmes. Other rewards, such as cash back, depend on your card issuer.

To understand the rewards on your card: Check the rewards terms provided by your card issuer.

Yes, Mastercard credit cards include security features that help protect you when you pay abroad, in stores, online, or in apps. Mastercard credit cards are accepted wherever Mastercard is accepted around the world.

Follow these precautions when you use your Mastercard credit card abroad:

1. Keep your card in sight when you pay.
2. Use chip or contactless payments where available.
3. Check your transactions regularly in your banking app.
4. Save the Mastercard global emergency number before you travel.

If your card is lost or stolen abroad, call 1-800-MASTERCARD (+1 800 627 8372) in the U.S. or +1 636 722 7111 from outside the U.S. Assistance is available 24/7.

With Mastercard Zero Liability protection, you are protected against unauthorised transactions in shops, online, and in app, subject to conditions.

Extra fees may apply when you use a Mastercard credit card internationally, depending on your card issuer. Your card issuer sets these fees, not Mastercard.

International charges that may apply include:

1. A foreign transaction fee may apply when you pay in a currency other than your card's currency.
2. A cash withdrawal fee may apply when you use an ATM abroad.
3. A currency conversion cost may apply if a merchant offers to charge you in your home currency.

To avoid unexpected costs: Check your card issuer's fee schedule before you travel. You can also check currency conversion rates with the Mastercard currency converter.

Mastercard credit card transactions are secured through several layers of protection in stores, online, and in apps. Mastercard credit cards prioritise safe, secure, and seamless digital experiences.

Security features that protect Mastercard credit card transactions include:

1. Chip technology helps protect in-store card payments.
2. Tokenisation replaces your card number with a unique digital token for digital wallet and online payments.
3. Additional authentication, such as a one-time passcode, may be required for online payments.
4. Mastercard Zero Liability protection covers unauthorised transactions, subject to conditions.

Mastercard advises consumers who suspect a fraudulent transaction to contact the financial institution that issued their card immediately.