How to Activate Mashreq Bank Credit Card – Complete Guide

Mashreq Bank is one of the most trusted financial institutions in the UAE, known for its digital-first services and innovative banking products. If you’ve recently applied for and received a Mashreq credit card, the first step after unboxing your card is activation—an essential security measure before usage.

This guide covers everything you need to know to activate your Mashreq credit card successfully. Whether you prefer mobile, online banking, or calling customer service, you’ll find a method that suits you.

Why You Need to Activate Your Credit Card

Before diving into the activation methods, here’s why credit card activation is necessary:

• Security: Activation ensures that only the cardholder can start using the card.

• Verification: Confirms that the correct person has received the card.

• Prevents misuse: Unactivated cards cannot be used for purchases or withdrawals.

• Unlock benefits: Your card’s cashback, rewards, and offers are enabled only after activation.

When Will You Receive Your Mashreq Credit Card?

Once approved, your credit card is delivered to your registered UAE address within 3–5 working days. Mashreq will also notify you via SMS with a tracking ID and basic activation info.

Your card will arrive inactive for security reasons, and you’ll need to complete the activation before you can:

• Make any transactions

• Use online banking features

• Set a PIN for ATM use

3 Easy Ways to Activate a Mashreq Credit Card

1. Via Mashreq Mobile App (Recommended)

Mashreq is among the most digital-friendly banks in the UAE, and the mobile app makes activation seamless.

Steps:

1. Download the Mashreq app

   • Available on iOS and Android.

2. Login using your customer ID or mobile number.

3. Navigate to “Cards” section.

4. Select the card you want to activate.

5. Click “Activate Card”.

6. Enter required details like card number, expiry date, and CVV.

7. Set your 4-digit PIN during activation (optional but recommended).

Activation is instant, and you can use the card right away.

2. Using Online Banking (Web Portal)

If you prefer a desktop or laptop:

Steps:

1. Go to www.mashreq.com.

2. Click on Login > Select Online Banking.

3. Enter your username and password.

4. Under “Cards”, select Activate Credit Card.

5. Input the card details and follow the prompts.

6. Set a PIN if prompted.

Your card will be ready for use in a few minutes.

3. By Calling Mashreq Customer Care

For users who are not comfortable with digital platforms, you can activate the card by phone.

Steps:

1. Dial 600 52 4444 (from UAE).

2. Choose your preferred language.

3. Select the option for credit card activation.

4. Follow the IVR prompts or speak to a customer service agent.

5. Verify your identity using your card number, Emirates ID, or phone number.

6. You may be asked to set or confirm your PIN during the call.

Ideal for people who want human assistance or lack app access.

Can You Use ATM for Activation?

No, you cannot activate your Mashreq credit card directly at an ATM. However, once the card is activated through one of the above methods, you can set or change your PIN at any Mashreq ATM across the UAE.

Troubleshooting: Activation Issues

Sometimes activation may fail due to:

• Incorrect card details

• System outage

• Pending documentation

• Card already blocked or reported lost

What to Do:

• Double-check your details

• Ensure the mobile number linked to your account is correct

• Call Mashreq customer support if the issue persists

Tips After Activation

Here’s what you should do right after activating your card:

1. Change Your PIN

Even if you set a PIN during activation, it’s smart to update it to something unique.

2. Sign the Back of Your Card

This is a security measure and helps verify your identity during manual transactions.

3. Add to Mobile Wallets

You can link your card to:

• Apple Pay

• Samsung Pay

• Google Wallet

4. Register for Mashreq Rewards

Most Mashreq credit cards offer:

• Cashback

• Salaam rewards

• Dining discounts

• Airline miles

Ensure you enroll via the Mashreq app to start earning.

Types of Mashreq Credit Cards You Can Activate

Here are some of the most popular cards customers activate through this process:

The activation process is the same regardless of which credit card you’ve received.

FAQs – Mashreq Credit Card Activation

Q: How long does it take to activate the card?
A: Activation is instant through the app or online portal.

Q: Do I need to visit a branch?
A: No. Everything can be done digitally or via phone.

Q: What if I lost my card before activating it?
A: Immediately call 600 52 4444 to block the card and request a replacement.

Q: Can I activate a supplementary card?
A: Yes, the primary cardholder can activate it via the app or customer service.

Final Thoughts

Activating your Mashreq Bank credit card is fast, secure, and can be done from your smartphone or laptop within minutes. Once activated, you’ll unlock a world of benefits including cashback, rewards, and premium lifestyle services—depending on the card type.