RAKBANK Credit Cards

Minimum Salary
0,00 د.إ

Description

RAKBANK offers a broad spectrum of credit cards—including cashback, rewards, travel, and co-branded options—with consistent 3.45%–3.25% finance rates, transparent fee schedules, clear eligibility criteria, straightforward documentation, and tiered spend requirements for welcome bonuses or fee waivers. Match your primary spend pattern—shopping, dining, travel, or everyday bills—to the card that maximizes rewards.

Features

Card Summary Table

Card Name	Min. Salary (AED)	Annual Fee (AED)	Retail Finance Charge (p.m.)	Welcome / Bonus Offer	Min. Spend Criteria
Emirates Skywards World Elite	25,000	1,499	2.45%	20,000 bonus Skywards Miles on AED 3,000 spend in 30 days	AED 3,000 in 30 days
Air Arabia Platinum	5,000	400	3.45%	20,000 AirRewards on first transaction + free return ticket	N/A
Titanium Credit Card	8,000	0	3.45%	AED 350 back on AED 2,000 spend in 30 days	AED 2,000 in 30 days
FCB Barcelona Credit Card	5,000	0	3.45%	20,000 BarçaRewards on AED 3,000 spend in 30 days	AED 3,000 in 30 days
RAKrewards Credit Card	10,000	0	3.45%	Tiered quarterly RAKrewards bonus up to 50% on cinema spends	N/A
Cashback Credit Card	8,000	0	3.45%	1% cashback (capped AED 1,000/mo); 0.25% on utilities, telecom, government spends	N/A
RED Credit Card	5,000	0	3.45%	1.5% cashback on all spends (capped AED 1,000/mo)	Min. AED 500 redemption threshold
World Credit Card (Visa)	20,000	0	3.25%	10% cashback on travel & supermarket (tiered up to AED 600/mo)	N/A
Classic Mastercard Credit Card	5,000	0	3.45%	1% cashback on all spends	N/A
Business Titanium Credit Card	10,000	0	3.45%	1% cashback on dining; 0.5% on other spends	N/A

Finance Charges & Key Fees

Retail Purchases:45%–3.45% per month
Cash Advances:00% or AED 99 (whichever higher) per withdrawal
Foreign Currency Transactions:20% of transaction amount
Balance Transfer:50% per month on transferred balances
Credit Card Cheques:25% per month; 1% processing fee (min 50, max 250)
Easy Payment Plan (EPP) Fees:
- 3 & 6 months: AED 49 per plan
- 9 months: 1.5% of plan
- 12 months: 2% of plan
- Cancellation: AED 249 per plan
Grace Period: Up to 55 days on purchases if full statement balance paid by due date
Minimum Payment: 5% of statement balance or AED 100 (whichever higher)
Late Payment Fee: AED 230
Over-Limit Fee: AED 275
Card Replacement: AED 75
Duplicate Statement: AED 45 per statement
Sales Voucher Copy: AED 65 per request
Returned Cheque: AED 100
PIN Replacement: Free
Payment via Exchange House: AED 3 per transaction
International Courier: AED 100

Eligibility Criteria

Age: 21–65 years
Residency: Valid UAE residency visa & Emirates ID
Income: AED 5,000–25,000 per month, depending on card
Employment: Salaried with employer nod or self-employed with audited financials
Credit Profile: Clean AECB report

Documents Required

Passport copy with residency visa page
Emirates ID (front and back)
Salary certificate or employment contract
Last three months’ bank statements
Salary transfer mandate (for payroll cards) or audited business financials
Completed RAKBANK credit card application

Additional Info

Emirates Skywards World Elite

Earn Skywards Miles: 1 mile per AED 1 spent; 50% boost on non-bonus categories when meets tier spend
Bonus Miles: 20,000 on AED 3,000 spend
Lounge Access: Unlimited Priority Pass visits
Travel Insurance & Concierge

Air Arabia Platinum

AirRewards Points:25–1.75 points per AED 5 on Air Arabia & retail
Free Return Ticket annually
Airport Lounge Access & 10kg Baggage
0% EPP on travel bookings

Titanium Credit Card

Cashback: 3% on supermarket & dining (capped); 1% on other spends
Tiered Incentive: Earn up to 50% cashback on cinema when monthly spend ≥ AED 5,000
Welcome Bonus: AED 350 back on AED 2,000 spend
0% EPP & BT

FCB Barcelona Credit Card

BarçaRewards: 2 points per AED 1; 1 bonus point at select merchants
Welcome Bonus: 20,000 points on AED 3,000 spend
FCB Fan Experiences & Retail Discounts

RAKrewards Credit Card

RAKrewards Points: Tiered earn rate (1–2 points/AED 1)
Quarterly Bonus: Up to 50% extra on cinema & dining when meets spend tiers
Lifestyle & Partner Offers

Cashback Credit Card

Flat 1% on retail & online; 25% on utilities, telecom, government, real estate, transport, fuel
Monthly Cap: AED 1,000
No annual fee

RED Credit Card

Flat 1.5% on all spends; min AED 500 redemption threshold
Free for life

World Credit Card

10% on travel & groceries when monthly spend ≥ AED 15,000–19,999 (max AED 300); 5% above AED 20,000
2% on other categories; min AED 5,000 tier
No annual fee

Classic Mastercard

1% cashback on all spends; 25% on utility/government categories
No annual fee

Titanium Business Credit Card

1% cashback on dining; 5% on other business expenses
Business installments via EPP