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Cashback %
  • A minimum monthly spend of AED 2,000 is required to qualify for cashback.
  • 5% cashback on all Supermarket and dining spends worldwide.
  • 5% cashback on your dining spends.
  • 1% for other retail spends.
  • 2% for e-wallet spends.
  • 0.25% cashback on all spends under the Government Services and Utility category.
  • Up to 50% Cashback on cinema spending worldwide.
  • Up to 50% cashback on your video streaming spending.

Why We Choose It

  • Free for Life credit card.
  • 5% cashback on dining and Groceries is equal to the percentage offered by other banks.
  • Entertainment cashback is valuable for monthly subscribers.
  • Earning 2% cashback on digital wallet spends adds an innovative touch and exceptional value to the card.

Welcoming Gift/Bonus

RAK Titanium Credit Card offers a welcoming bonus of AED 350 when you apply online.

Annual Fee (inclusive of Vat)

No annual fee

Minimum Salary Requirement

AED 8,000

APR*

Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia compliance
3.65%

Cashback

  • Cashback is subject to meeting the minimum overall retail spend of AED 5,000 each month on your / Monthly Cashback Cap AED 1500.
  • 1% Cashback on others if monthly spending achieved AED  14,999.
  • 2% Cashback on others if monthly spending achieved AED 15,000 and above.
Cashback %:
  • A minimum monthly spend of AED 2,000 is required to qualify for cashback.
  • 5% cashback on all Supermarket and dining spends worldwide.
  • 5% cashback on your dining spends.
  • 1% for other retail spends.
  • 2% for e-wallet spends.
  • 0.25% cashback on all spends under the Government Services and Utility category.
  • Up to 50% Cashback on cinema spending worldwide.
  • Up to 50% cashback on your video streaming spending.

Key benefits

  • 25% discount on your first Fiit App subscription.
  • Exclusive discount on one food or grocery delivery per month through Talabat.

Other benefits

  • Complimentary travel accident coverage
  • Get 25% off your first Fiit subscription.
  • Exclusive deals on Talabat App.
  • Get 1 week complimentary & 50% off subscriptions with Lingokids.

Why We Choose It

  • Free for Life credit card.
  • 5% cashback on dining and Groceries is equal to the percentage offered by other banks.
  • Entertainment cashback is valuable for monthly subscribers.
  • Earning 2% cashback on digital wallet spends adds an innovative touch and exceptional value to the card.

What We Did Not Like

  • A minimum spend of AED 2,000 per month is required to be eligible for the cashback rewards.
  • The cashback on Supermarket, Dining, Cinema, and Video Streaming services is capped at AED 400 per month, limiting your potential earnings beyond this threshold.
  • Total maximum monthly cashback cap is at AED 600 which is the lowest in the UAE

You ask, we answer

we help you figure out which UAE credit card actually fits your spending, instead of whichever one has the biggest ad budget. Answer a few quick questions about your income and how you spend, and we’ll show you up to three cards that genuinely make sense for you: fees, eligibility, rewards, all of it laid out. One thing worth knowing upfront, we’re not a bank. We don’t issue cards or lend money. You apply straight with whichever bank you pick.

We go through the published fees, minimum salary requirements, rewards rates, cashback caps, lounge access and annual costs for cards across UAE banks, category by category — and we keep this updated as banks change their terms. Worth flagging too: some of the banks on our site do have a commercial relationship with us. It doesn’t change what we recommend or how we rank anything. More on that below, under “Is CardsMatcher free?”

Start with the matching survey. It only takes a few minutes and gets you your top card matches. After that, have a browse through our Financial Wellbeing articles. They’re UAE specific and practical, so whichever card you end up with, you’ll actually know how to get the most out of it.

We’ll look over your answers and get back to you within 3 business days with up to three cards that fit your profile. That’s it, no runaround.

Yes, completely. Matching, comparing, browsing, none of it costs you anything. Here’s how we actually make money: some banks pay us when you apply for a card through our site. That’s the whole model. It doesn’t touch which cards we show you or how we rank them. The two are kept separate on purpose.

Yes. Your survey answers exist for one reason, to generate your matches. We’re not selling your personal data, and it doesn’t go to a bank or anyone else unless you decide to move forward with an application yourself. We do use aggregated, anonymized data, things like which types of cards people are searching for, to build market insights, and we may share or sell these reports to banking partners. No individual’s details are ever included in them. If you want the full detail, it’s all in our Privacy Policy.

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*Every response helps us better understand saving behaviors in the UAE and build smarter financial tools for everyone.