To apply for a Mauritius Commercial Bank (MCB) credit card, choose a card, follow the application route MCB lists for that card, and prepare the documents that apply to your residency status. The published checklists are not a guarantee of approval: MCB’s reviewed pages do not specify full underwriting criteria or a universal minimum income. Compare repayment terms and benefits as well as the card’s current fees before applying.
Choose the card that fits your needs
MCB lists Mastercard Primo, Classic and Gold, Visa Gold, Platinum and Signature, and American Express. Benefits and limits vary by card; check MCB’s card comparison before deciding.
| Card | Published features | Best fit to consider |
|---|---|---|
| Mastercard Primo | Lower credit limit and flexible repayment terms. | Someone seeking a card positioned at a lower limit. |
| Classic | Local, international and online acceptance, selected-merchant offers and flexible repayment terms. | Everyday use where broad acceptance matters. |
| Gold (Mastercard or Visa) | Higher spending limit, complimentary travel insurance and shopping, dining and leisure offers. MCB publishes limits from Rs 100,000 to MUR 500,000 on its premium-card page; this is a product range, not a promised individual limit. | Someone who values travel cover and lifestyle offers, subject to the policy terms and approved limit. |
| Visa Platinum | Purchase protection, extended warranty, Visa offers and annual multi-trip travel insurance. | Someone who expects to use purchase protections or travel cover. |
| Visa Signature | Six complimentary LoungeKey airport entries each year and travel insurance up to USD 750,000 for specified family members under 85, subject to policy terms. | Someone likely to use airport lounge visits and whose travel needs match the policy. |
| American Express | MCB promotes worldwide acceptance, Priority Pass membership, a high spending limit and Membership Rewards; its FAQ says the card includes automatic travel insurance. | Someone who values rewards and travel services and confirms acceptance where they plan to pay. |
Features are not a substitute for checking the current tariff, eligibility, insurance conditions and repayment terms. For example, the number of lounge entries or headline insurance limit does not explain every policy exclusion or eligibility condition.
Check the cost and repayment terms before applying
Interest-free credit depends on full repayment
MCB advertises up to 45 days of interest-free credit for Classic and Gold, but the offer applies to a 100% repayment term. Classic repayment options range from 5% to full repayment. If you choose less than full repayment, check the applicable interest and charges in the current tariff before making purchases. The headline interest-free period should not be read as applying regardless of how much you repay.
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Verify the current tariff
MCB’s rates page states a prime lending rate of 6.90% per annum, effective 1 June 2026. That headline rate is not a complete card-specific cost quote. MCB’s individual tariff is the place to check relevant card fees and charges, and the bank says other card charges are available at its counters. Because older indexed tariff versions show differing prime-rate values, use the current MCB rates page and tariff rather than relying on a copied figure.
Before choosing, compare annual and transaction fees, interest, repayment options, and the value of benefits you will actually use. The official starting point is MCB’s rates and fees guide and the linked individual tariff.
Prepare the documents for your card and residency status
Classic applicants
MCB’s Classic page asks applicants to bring:
- A national identity card or passport.
- A birth or marriage certificate.
- Proof of address, such as a CEB, CWA or Mauritius Telecom bill.
If the address bill is in another person’s name, MCB asks for an authorization letter from that person and a copy of their national identity card. Confirm any additional documents with MCB when booking, particularly if your circumstances do not match this checklist.
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Gold applicants who are residents
MCB lists a national identity card, current employer details and proof of income.
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Gold applicants who are non-residents
MCB lists passport details, a local work permit and an employer reference letter stating position and salary. This published checklist indicates that MCB has a route for non-resident applicants, but it does not establish that every non-resident qualifies.
These are product-specific published requirements, not a universal MCB checklist. Check the chosen card’s own page for current instructions; the Classic and Gold pages do not give identical requirements.
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Apply using the route listed for your card
- Classic: Call +230 202 6060 to book an appointment, then bring the documents MCB requests for Classic.
- Gold: Send an SMS in the format MCB [space] your name to 8188, or visit a branch. Have the resident or non-resident documents listed on MCB’s Gold page ready.
- Visa Platinum: MCB also lists the SMS route and a branch option. Confirm the current checklist for your application directly with MCB.
For cards whose application instructions are not covered above, use the relevant card page or ask a branch for the current route and document list. Do not assume the SMS process or Classic appointment instructions apply to every MCB card.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Understand travel insurance before relying on it
MCB says Gold and American Express cards provide automatic travel insurance. Classic and Primo cardholders may subscribe to annual travel insurance for Rs 600, according to MCB’s cards FAQ. The existence of cover does not establish that every trip, traveler or expense is covered: read the linked policy for its scope, payment triggers, exclusions and assistance requirements before travel.
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1Clear out junk files and repair common Windows errors2Fix the driver behind crashes, sound loss and screen glitches3Repair Windows errors before they cause bigger problemsFor Platinum and Signature, review the relevant policy terms as well. Headline descriptions such as annual multi-trip cover or an insurance limit do not replace the policy’s eligibility rules and conditions.
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What MCB does not publish in the reviewed application guidance
The reviewed pages do not set out complete underwriting rules, a universal minimum income, general age or credit-score criteria, or a guaranteed decision time. Having the listed documents therefore does not guarantee approval. Ask MCB what extra evidence, affordability checks or other conditions apply to your circumstances before submitting an application.
Useful official pages: Classic card, Gold card, exclusive cards and benefits, and the cards FAQ.
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