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Cashback %

• A minimum monthly spend of AED 10,000 is required to qualify for cashback.
• 10% cashback on Travel: This applies to domestic and international flights and hotel stays.
• 10% cashback at Supermarkets: Valid for purchases at supermarkets worldwide.
• 10% cashback on Dining.
• 1% cashback on other retail spends.
• 3% cashback on e-wallet spends (e-wallet transactions include Apple Pay, Samsung Pay, and Google Pay).
• 0.25% cashback on all spends under the Government Services and Utility category.

Why We Choose It

  • First Year Free offer.
  • Highest cashback rates in the UAE.
  • Earning 3% cashback on digital wallet spends adds an innovative touch and exceptional value to the card.

Welcoming Gift/Bonus

RAK World Credit Card offers an AED 750 welcome bonus for a limited time until 31/03/2026.

Annual Fee (inclusive of Vat)

FYF then AED 950 per year onwards (No annual fee , if you spend a minimum of AED 100,000 per year)

Minimum Salary Requirement

AED 20,000

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 %:

• A minimum monthly spend of AED 10,000 is required to qualify for cashback.
• 10% cashback on Travel: This applies to domestic and international flights and hotel stays.
• 10% cashback at Supermarkets: Valid for purchases at supermarkets worldwide.
• 10% cashback on Dining.
• 1% cashback on other retail spends.
• 3% cashback on e-wallet spends (e-wallet transactions include Apple Pay, Samsung Pay, and Google Pay).
• 0.25% cashback on all spends under the Government Services and Utility category.

Key benefits

  • Complementary airport lounge access for one person.
  • 2 complimentary airport transfers per year with the Careem App.
  • 7% wallet credit on booking.com
  • Exclusive discount on one food or grocery delivery per month through Talabat App.

Other benefits

  • 50% off at VOX Cinemas for select movie experiences at all times.

Why We Choose It

  • First Year Free offer.
  • Highest cashback rates in the UAE.
  • Earning 3% 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 10,000 per month is required to be eligible for the cashback rewards.

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.