RAK Bank
Cashback %
Rewards Mechanism
- 5 RAKrewards on international spends.
- 3 RAKrewards on domestic spends.
Why We Choose It
- Exclusive Eco-friendly card for Emariati.
- Generous Welcoming bonus.
- The profit rate is significantly low.
Welcoming Gift/Bonus
RAKIslamic Watani Credit Card currently offers 50,000 RAKrewards welcome bonus.
Annual Fee (inclusive of Vat)
Minimum Salary Requirement
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia complianceCashback Info:
Rewards program
- RAKrewards Program
Reward Mechanism:
- 5 RAKrewards on international spends.
- 3 RAKrewards on domestic spends.
Redeem points:
Airlines Program:
Key benefits
- Complementary Airport Lounge Access for one.
- 2 complimentary airport transfers per year.
- 20% discount on Careem.
- 2 Valet Parking tickets per month.
Other benefits
- 100% cashback on Salik and DARB.
- Discounted RAK rewards for flight bookings using the RAK rewards portal.
- Free Premium subscription at Playtomic and discounted games.
- Free streaming subscriptions.
Why We Choose It
- Exclusive Eco-friendly card for Emariati.
- Generous Welcoming bonus.
- The profit rate is significantly low.
What We Did Not Like
- Relatively high annual fee.
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.
Rewards Mechanism
- 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, hotels, and dining during your stay.
- 10% Cashback at Supermarkets: Valid for purchases at supermarkets worldwide.
- 10% Cashback on Dining.
- 1% for other retail spends.
- 3% for e-wallet spends (E-wallet transactions are all transactions made through Apple Pay, Samsung Pay, and Google Pay).
- 0.25% cashback on all spends under the Government Services and Utility category.
• 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)
Minimum Salary Requirement
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia complianceCashback Info:
• 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.
Rewards program
Reward Mechanism:
- 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, hotels, and dining during your stay.
- 10% Cashback at Supermarkets: Valid for purchases at supermarkets worldwide.
- 10% Cashback on Dining.
- 1% for other retail spends.
- 3% for e-wallet spends (E-wallet transactions are all transactions made through Apple Pay, Samsung Pay, and Google Pay).
- 0.25% cashback on all spends under the Government Services and Utility category.
Redeem points:
Airlines Program:
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.
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.
Rewards Mechanism
- 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)
Minimum Salary Requirement
APR*
Conventional cards use an annual percentage rate (APR) as the interest rate, while Islamic cards follow a profit rate for Sharia complianceCashback Info:
- 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.
- 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.
Rewards program
Reward Mechanism:
Redeem points:
Airlines Program:
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
