Emirates NBD noon One vs Mashreq noon
Our Pick
noon Credit Card
Best for noon Shoppers — You shop heavily on noon.com marketplace (electronics, fashion)
Emirates NBD
noon One Visa
Highest noon Food & NowNow cashback
Mashreq Bank
noon Credit Card
Uncapped 5% on all noon spending
Two free-for-life credit cards built entirely around the noon ecosystem go head-to-head. The ENBD noon One dazzles with up to 20% cashback on noon Food, while Mashreq noon counters with a flat 5% on everything across noon.com, noon Food, noon Minutes, and Namshi. Reddit users have debated this matchup extensively—here's the definitive breakdown.
Quick Comparison
| Feature | noon One Visa | noon Credit Card |
|---|---|---|
| Annual Fee | AED 0 (Free for Life) | AED 0 (Free for Life) |
| Min. Salary | AED 5,000 | AED 5,000 |
| Rewards Rate | Up to 20% noon credits | 5% unlimited on noon platforms |
Detailed Breakdown
noon Marketplace Cashback
noon One Visa
5% noon credits on noon.com, Namshi, supermall
noon Credit Card
5% noon credits on noon.com, noon supermall, Namshi, NowNow
Both earn 5% on marketplace purchases—identical rate
noon Food Cashback
noon One Visa
20% noon credits
noon Credit Card
5% noon credits
ENBD wins massively for food delivery—4x the cashback
NowNow Cashback
noon One Visa
10% noon credits
noon Credit Card
5% noon credits
ENBD doubles the NowNow rewards vs Mashreq
Non-noon Retail Cashback
noon One Visa
1% noon credits on other retail
noon Credit Card
1% noon credits on other retail
Identical 1% on non-noon spending
Cashback Cap
noon One Visa
AED 2,000/month total
noon Credit Card
Unlimited on noon platforms
Mashreq has no cap on noon spending—big win for heavy shoppers
Annual Fee
noon One Visa
AED 0 (Free for Life)
noon Credit Card
AED 0 (Free for Life)
Minimum Salary
noon One Visa
AED 5,000
noon Credit Card
AED 5,000
Welcome Bonus
noon One Visa
AED 500 (spend AED 5K in 2 months)
noon Credit Card
AED 500 (spend AED 5K in 2 months)
Identical welcome offers for new customers
Cinema Perks
noon One Visa
Buy 1 Get 1 Free VOX (3 free/month)
noon Credit Card
50% off Cinepolis (8/month)
ENBD VOX BOGO is better value than 50% off
Free Delivery
noon One Visa
Free noon One membership (1 year)
noon Credit Card
Unlimited free noon Express delivery
Mashreq includes free delivery without membership
Interest-Free Period
noon One Visa
Up to 45 days
noon Credit Card
Up to 55 days
Mashreq gives 10 extra interest-free days
Government Fee Cashback
noon One Visa
No cashback
noon Credit Card
0.33% on government fees
Mashreq offers small cashback on visa/fine payments
The Verdict
Mashreq noon wins for heavy noon.com marketplace shoppers with its uncapped 5% cashback on all noon platforms. ENBD noon One wins for food delivery addicts with 20% back on noon Food and 10% on NowNow. Both are free for life with AED 5,000 salary—the real winner depends on whether you order food or shop electronics more on noon.
Who Should Choose Which?
Choose noon One Visa if:
- You order noon Food 3+ times per week (20% vs 5%)
- You use NowNow for grocery delivery (10% vs 5%)
- You prefer VOX Cinema BOGO offers
- You want ENBD's larger branch network and banking ecosystem
- You value the noon One membership perks (faster delivery, exclusive deals)
Choose noon Credit Card if:
- You shop heavily on noon.com marketplace (electronics, fashion)
- You spend more than AED 2,000/month on noon (no cap vs capped)
- You want 55 days interest-free vs 45 days
- You value unlimited free noon Express delivery
- You prefer Mashreq's instant digital card issuance
- You pay government fees and want 0.33% back
Eligibility Note
Both cards require just AED 5,000 salary—the lowest tier in the UAE market. Cashback is earned as noon credits, not AED cash. noon credits can only be used within the noon ecosystem (noon.com, noon Food, NowNow, Namshi).
Frequently Asked Questions
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