RAKBANK Credit Cards in UAE

Unmatched Lifestyle Privileges with RAKBANK Credit Card

The card member can break the monotony and enter into a world of experiences that are offered only to a few. These well-thought experiences are designed to chuck the mainstream and embrace the extraordinary facets of traveling. The unexpected thrills and pleasures of seasoned traveling come aplenty with the RAKBANK World Credit Card. From discovering delectable delicacies, preferred travel selections to unprecedented access to airport lounges, there is so much that a card member can do with their RAKBANK Credit Cards.

Here are the best offers available with this credit card:

• Dining Offers- This card is a must-have if the applicant wants to enjoy dining and merrymaking moments at leading restaurants. They can make the most of exclusive offers at partner restaurants either with a mobile banking app for app-only offer while on the go or through the website.
• Offers on Fairmont, Raffles, and Swissotel Spa- There is nothing better than getting a 90- minute pampering session that tantalizes and reinvigorates the senses at select Fairmont, Raffles, and Swissotel spas across selected countries. The card member can avail the benefit simply by flashing their World MasterCard to pay for the service.
• Exclusive offers on SPG Hotel and Resorts- There is no better feeling than staying at home away from the home. With RAKBANK Credit Cards, card member can make the most of their stay at SPG Hotel and Resorts properties in the Middle East and Africa. The card offers complimentary hotel stays for booking two/four hotel nights.
• Premium Privileges- The cardholder can enjoy a host of benefits and privileges offered by RAKBANK and MasterCard. They can explore a variety of offers across outlets in UAE ranging from entertainment, dining, fashion, fitness, and jewellery to department stores.
  • The card member can access a handpicked collection of 600 plus attractive offers and services in 27 destinations. The privileges do not stop here, they can avail discounts and offers on dining, availing VIP treatment at luxury hotels or indulging in a shopping spree.
• Buy One Get One Offers with MasterCard- The cardholder is eligible to avail hundreds of exciting offers throughout the Middle East and Africa spanning across hotels, fine dining restaurants, swanky spas, such as:
  • Get one complimentary main menu item upon the purchase of one main menu item.
  • Get one complimentary hotel night upon booking one hotel night.
  • Get a complimentary 60-minute invigorating massage upon booking a 60-minute therapeutic massage.

The card member can avail over 900 offers available across various countries.

Note- Unlimited redemption is applicable to all offers. Download the ‘Buy One Get One’ MasterCard App from Google and Apple Store to avail these offers.

• Bicester Village Shopping- Bicester Village Shopping Collection benefits are ideal for the card members who want to save up to 60% on the retail price, at their select lavish boutiques around the year.
• Shopping Privileges at Reebonz- There is no point denying that Reebonz shopping offers could make a shopaholic go weak at the knees. The card member can avail the offers listed below:
  • New card member gets shopping credits worth AED 350.
  • An additional 6% discount is offered when the card member uses World MasterCard to pay for something.
  • Ardent brand loyal card members can get a plethora of offers on international high-end fashion brands.
• MyUS Premium Shipping Discounts- MyUS is a leading online service provider that enables a user shop from their preferred US-based merchants to score the best deals on their favorite It allows the card member to aggregate all their purchases into a single shipment, which reduces cost significantly and becomes available for shipment around 220 countries across the globe. The cardholder can avail maximum shipping discounts using their RAK Credit Card.
• Unlimited Travel Benefits with RAKBANK World Credit Card- The cardholder can embrace the joy of traveling with the RAKBANK World Credit Card. They can explore a broad range of services, benefits, and savings options that make traveling a fulfilling experience.
• Complimentary Lounge Access- The card member can get complimentary access and bring guest(s) along to 550 plus Airport lounges worldwide. The best-in-class lounge access program- Loungekey works best with RAKBANK Credit Cards. The cardholder does not need to carry an additional membership card; they can flash their World Credit Card and simply mention Loungekey at partner lounges.
• AVIS Rental Services- The cardholder can drive through the busiest highways with AVIS Car Rental Company that offers exciting discounts of up to 10% and 25% on premium chauffeur services.
• Hertz Car Rental- Hertz is a name that needs no introduction in the world of car rental services with a vast network that spans more than 8500 locations in 147 countries. The card member can avail benefits from this service using their RAKBANK Credit Cards.
• Offers on Starwood Hotels and Resorts- With RAKBANK Credit Cards, the cardholder can make the most of their stay at 100 plus Starwood Hotels and Resorts properties throughout the Middle East and Africa. They can get one complimentary hotel night/two hotel nights upon booking two/four hotel nights.
• Discounts on Luxury Serviced Apartments- A luxurious abode awaits RAKBANK World MasterCard members at a discount of up to 15 % at luxury serviced apartments.
• Pick up and Drop off service- It goes without saying that chauffeured airport pick-up/drop off services always come in handy, not to mention when it is offered 6 times as a complementary service each year in the UAE (within the emirate). Optionally, the cardholder can avail the service up to 3 times in India (for select cities only).
• Offers with Cleartrip- There are occasions galore when the card member needs to rely on online flight bookings for their travel needs, be it for leisure or corporate purpose. However, they can avail the best deals on flight bookings with Cleartrip using RAKBANK World MasterCard and enjoy exciting discounts without limiting their experiences.
• Chauffeur Rides with Careem- Careem app offers first ride free to the new customer. After getting the first free ride, the card member can avail a discount of 20% thrice a month by using their RAKBANK MasterCard as a payment option in the app.

Get Much-Needed Peace of Mind with RAKBANK Credit Card

There’s nothing heart-shattering than missing a flight or misplacing personal belonging(s) while traveling. The World Credit Card enables the member to neutralize travel-related risks. It provides maximum coverage for lost luggage, trip delay(s), cancellation and more.

Travel Accident & Medical cover- A comprehensive travel insurance cover is of utmost importance. This plan is especially useful in regards to visa application requirements for different countries including the Schengen area. Under this cover, the cardholder is eligible to avail these benefits:

(Updated as of January 2019)

Travel Inconvenience- With RAKBANK credit card, the card member doesn’t have to worry about all travel-related hassles and inconveniences that could put a big dent on their pocket. This cover offers protection against unwelcomed events such as trip delays, lost luggage, trip cancellations, and more.

Here is the benefit offered under this cover:

(Updated as of January 2019)

Purchase Protection- The best thing about insurance coverage is the level of protection it offers for a purchase that gets damaged or lost due to a variety of reasons. The eligible good must be covered under the Purchase Protection plan and the losses would be reimbursed only if it is lost/ damaged within 30 days from the purchase date.

Secure Wallet- Secure Wallet is an additional cover that comes in handy in case of misplacement or misuse of the RAKBANK credit card. With this feature, the cardholder is eligible to avail a worldwide coverage for up to AED 10,000.

RAKBANK Credit Card Conveniences

The cardholder can step into a world of convenience every day with the below-mentioned features of RAKBANK World Credit Cards:

• The credit card member can get personalized concierge services within the UAE which includes but is not limited to air ticket reservation assistance, car rental assistance, hotel reservation assistance, and events reminders among other services at best rates.
• The card member can make the most of roadside assistance services available round the clock which includes such services as towing service, flat tyre service, battery boost service, lockout service, roadside assistance coverage throughout UAE and Oman, annual renewal of car registration, and pick up and drop services for vehicle servicing two times in a year.
• For every transaction made through the credit card, the cardholder receives a timely alert on his/her mobile number registered with the bank.
• The RAK BANK credit card offers lower interest rates.
• The RAKBANK offers safe and convenient digital banking services known as RAKMoneyTransfer. It can be used to transfer money from any part of the world.
• The RAKBANK Credit Card offers a 0% Payment Plan at various participating merchants. It is available for a period of 3, 6, 9 or 12 months.
• It offers an attractive rate of interest for the credit card balance transfer.
• The cardholder can pay their credit card bill at any RAKBANK ATM or at any of their partner exchange outlets.
• The cardholder can withdraw cash (up to 80% of the available limit) through cash advance service.
• The primary member can apply for free supplementary credit card(s) for their eligible family member(s).
• The card member is eligible to get interest-free credit for up to 55 days.
• All transactions made using RAKBANK Credit Cards are 3D secured for convenient monetary transactions. It ensures that cardholder’s security is never jeopardised.
• The card comes with EMV microchip for additional security for banking transactions. The cardholder doesn’t have to worry about the security of their card.
• The card member can avail exclusive discounts on health insurance policy offered by RAKNIC.

Here are the rewards offered by RAKBANK FC Barcelona Platinum MasterCard Credit Card:

(Updated as of January 2023)

RAKBANK Lifestyle Discounts

The card member can explore a host of benefits and privileges offered by RAKBANK FC Barcelona Platinum Credit Card. They can swipe this card at partner outlets in the UAE ranging from Entertainment, Dining, Fashion, Fitness, and Spa, Getaways, Jewellery and Watches to Department Stores and avail amazing discounts.        

Benefits Galore with RAKBANK

Here is a complete list of the benefits offered by these credit cards:

• It goes without saying that chauffeured airport pick-up/drop off services always come in handy, not to mention when it is offered 6 times as a complementary service each year from the UAE.
• The cardholder can send money using RakMoney Transfer service from anywhere. Transferring money from one country is very easy with RAKBANK credit card. Here are the countries the cardholder can transfer money to with RAKBANK Credit Card- India, Europe, Philippines, Nepal, Sri Lanka, and Pakistan and in other parts of the world.
• The card member is eligible to get interest-free credit for up to 55 days.
• The cardholder can withdraw cash (up to 80% of the available limit) through cash advance service.
• The minimum payment the cardholder needs to pay per month on RAKBANK Credit Card is 3%.
• The credit comes with purchase protection at no extra cost.
• The card offers free travel accident insurance plan- a specialized type of insurance plan that provides coverage against accidental death and physical disability.
• The RAK BANK Credit Card offers 0% Payment Plan at various participating merchants and is available for a period of 3, 6, 9 or 12 months.
• Shopping seems like a never-ending festival with RAKBANK Credit Card as the cardholder can avail fantastic discounts on electronics, jewelry, furnishing, dining, holidays and more.
• The cardholder can avail special dining offers at 220 partner restaurants and eateries across the UAE under RAKfeast Dining Discount program.

MasterCard Benefits for the Convenience of Shopping and Travelling

Listed below are the special offers available on your RAKBANK Credit Card, courtesy of the MasterCard:

• The cardholder can get access to over 25 airport lounges across select airports around the world.
• The cardholder can avail the best deals on travel bookings on Cleartrip.
• The cardholder can drive through the busiest highways with AVIS Car Rental Company that offers exciting discounts on premium chauffeur services.
• The cardholder can enjoy exclusive shopping discounts on luxury products at Reebonz.
• The cardholder can avail MyUS premium shipping discounts and complimentary membership.
• The card member can enjoy an array of benefits and privileges when shopping for Bicester Village Shopping Collection.
• The MasterCard member can benefit from the safety offered through the Purchase protection plan.

Rewards Redemptions with RAKBANK Platinum Credit Card

The card member can avail benefits by redeeming accumulated rewards for flights, meals, seats, baggage etc. Using Air Reward Loyalty Program, they can avail this service on all days, except on blackout dates.

Travel Benefits

• The card member can avail a complimentary airport pick-up and drop-off facility 6 times each calendar year within the UAE and between Sharjah Airport and in any place in Dubai. Inter Emirates transfer from Dubai to Sharjah Airport is to be considered as 2 visits.
• After getting the first free ride, the card member can get a discount of 20% thrice a month by adding their RAKBANK MasterCard as a payment option in the Careem
• The card member can avail benefits like excess baggage and in-flight meal vouchers once they meet minimum spending requirements.
• This RAKBANK Platinum Credit Card member can avail unlimited complimentary lounge access.
• The cardholder can avail purchase protection and travel accident insurance.

Features of the RAKBANK Platinum Credit Card

• It charges a low rate of interest on pending retail transactions.
• It offers fantastic discounts on electronics, jewelry, furnishing, dining, holidays and more.
• It charges no annual fee for the first year. In subsequent years, the card member won’t have to pay an annual fee in case they spend a minimum amount of AED 20,000.
• The card member is eligible to opt for interest-free credit for up to 55 days.
• The cardholder can withdraw cash (up to 80% of the available limit) through cash advance service.
• The primary card member can apply for free supplementary credit card(s) for their eligible family member(s).
• The card member can avail travel accident insurance benefit for free.
• The card member can avail the benefit of MyUS Premium Shipping Discounts using their RAKBANK Credit Card.
• The card member can make the most of special dining offers at 220 partner restaurants and eateries across the UAE, under RAKfeast Dining Discount
• The RAK BANK Credit Card offers a 0% Payment Plan at various participating merchants and is available for a period of 3, 6, 9 or 12 months.

Note-

1. New rules have come into effect since January 1^st, 2018, stating that all purchases under the Government Services payment category are eligible for 0.35 RAKrewards for every 1 Dirham spent.

2. New rules have come into effect since August 2^nd, 2018, stating that all purchases under the Telecom & utility bill payment category, Car Rentals, Transport, and Real Estate are eligible for 0.35 RAKrewards for every 1 Dirham spent.

The card member will get a quarterly RAKrewards bonus of up to 30% as per the following:

(Updated as of January 2023)

Note- Members are eligible to get up to 10,000 RAKrewards on cinema spends each month.

Features of HighFlyer Platinum Credit Card

• It doesn’t charge an annual
• It charges a low-interest rate is on pending retail transactions.
• Shopping seems like a never-ending celebration with RAKBANK Credit Card. It offers superb discounts on electronics, jewelry, furnishing, dining, holidays and more.
• The card member is eligible to get interest-free credit for up to 55 days.
• The primary card members can apply for free supplementary credit card(s) for their eligible family member(s).
• This card offers free travel accident Insurance plan. It is a specialized type of insurance plan that offers coverage against accidental death and physical disability.
• The card member is eligible to avail free purchase protection.
• The cardholder can withdraw cash (up to 80% of the available limit) through cash advance service.
• The cardholder can send money by RakMoney Transfer service.
• RAK BANK Credit Card offers global discounts on various premium hotels and top-notch brands while traveling.
• The MasterCard cardholder can avail Buy One Get One Offers at hotels, fine dining restaurants, cafes, attractions, entertainment zones throughout the Middle East and Africa.
• The cardholder can avail a discount of 20% thrice a month by adding their RAKBANK MasterCard as a payment option.
• The cardholder can avail unlimited complimentary access to airport lounges.
• The cardholder can avail dining offers at 220 partner restaurants and eateries across the UAE, under RAKfeast Dining Discount
• The cardholder can avail 0% Payment Plan at various participating merchants for a period of 3, 6, 9 or 12 months.
• The cardholder can enjoy exclusive shopping discounts on luxury products at Reebonz online store.
• The card member can avail travel discounts up to 30 % on flights and hotel bookings at Cleartrip.
• The card member can avail discounts up to 60 % on Bicester Village Shopping Collection.
• The cardholder can avail exciting discounts of up to 15% on car rental services across the Middle East, Europe, Africa, and Asia and 12% off on services across the United States and Canada at AVIS car rental company.
• The cardholder can avail premium shipping discounts and a complimentary membership with MyUS.

Note-

1. New rules have come into effect since January 1^st, 2018, stating that all purchases under the Government Services payment category are eligible for 0.25% Cashback for every 1 Dirham spent.

2. New rules have come into effect since August 2^nd, 2018, stating that all purchases under the Telecom & utility bill payment category, Car Rentals, Transport, and Real Estate are eligible for 0.25% Cashback for every 1 Dirham spent.

Features of RAKBANK Titanium Credit Card

• It doesn’t charge an annual
• It charges a low-interest rate on pending retail transactions.
• The cardholder can avail superb discounts on electronics, jewelry, furnishing, dining, holidays and more.
• The cardholder can avail interest-free credit for up to 55 days.
• The primary member can apply for free supplementary credit card(s) for their eligible family member(s).
• The card member is eligible to avail free purchase protection.
• The card member can avail free travel accident insurance.
• The cardholder can withdraw cash (up to 80% of the available limit) through cash advance service.
• The MasterCard member can avail Buy One Get One Offers across hotels, fine dining restaurants, cafes, attractions, entertainment zones throughout the Middle East and Africa.
• Shopping seems like a never-ending festival with RAKBANK Titanium Credit Card as the card member can avail fantastic discounts on electronics, jewelry, furnishing, dining, holidays and more.
• The cardholder can avail a discount of 20% thrice a month by adding their RAKBANK Mastercard as a payment option on Careem
• The cardholder can avail unlimited complimentary access to airport lounges.
• The cardholder can transfer money from anywhere with RakMoney Transfer service.
• The cardholder can avail 0% Payment Plan at various participating merchants for a period of 3, 6, 9 or 12 months.

Note-

1. New rules have come into effect since January 1^st, 2018, stating that all purchases under the Government Services payment category are eligible for 0.35 reward points on a spend of 1 AED.

2. New rules have come into effect since August 2^nd, 2018, stating that all purchases under the Telecom & utility bill payment category, Car Rentals, Transport, and Real Estate are eligible for 0.35 reward points on a spend of 1 AED.

Features of My Ras Al Khaimah Visa Platinum Credit Card

• The domestic and international retail spend put on the card helps the cardholder to earn up to 333,334 standard RAKrewards per month.
• The cardholder can earn 50,000 RAKrewards if they spend a minimum of AED 10,00O on a quarterly basis.
• RAKrewards partnership benefits help the cardholder avail fantastic rewards. Here’s a list of the redemption options available:
• It offers an array of travel rewards ranging from more than 300 air carriers to 300,000 plus hotels worldwide.
• It offers an array of discounts on adventure sports, desert safari, dining vouchers, Marhaba service, car rental and more.
• It offers a wide range of discounts on home essentials, electronics, and other product categories.
• It offers a 50% discount on movie tickets on Vox Cinemas, valid only for Sunday movie shows.

Travel Benefits

• The cardholder can enjoy unmatched benefits on hotel booking with the Visa luxury hotels.
• The cardholder can enjoy up to 12% discount at Agoda.
• The cardholder can enjoy up to a 15 % discount on retail spends across 450 destinations worldwide.
• The cardholder can avail up to 20% discount at Avis.
• The card member can avail exclusive DragonPass dining benefits.
• For misplaced or stolen card during a trip, the cardholder can block their credit card avail an emergency replacement card.

Dining Privileges

RAKBANK Platinum Credit Card members can make the most of superb dining offers at 220 partner restaurants and eateries across the region under RAKfeast Dining program.

Lifestyle Offers

• The card member can avail 10% discount on all purchases made on Chic Outlet Villages.
• The card member can avail exclusive access to golf benefits at various golf venues across GCC.

Insurance Benefits

Listed below is an array of insurance benefits offered:

• Purchase Protection
• Extended Warranty by Visa
• Travel Accident Insurance 

Note-

1. New rules have come into effect since January 1^st, 2018, stating that all purchases under the Government Services payment category are eligible for 0.25% discount for every 1 Dirham spent.

2. New rules have come into effect since August 2^nd, 2018, stating that all purchases under the Telecom & utility bill payment category, Car Rentals, Transport, and Real Estate are eligible for 0.25% discount for every 1 Dirham spent.

Features of RED Credit Card

• This RAKBANK Credit Card doesn’t charge an annual fee.
• MasterCard’s tap-and-pay technology helps the cardholder save a lot of time during the transaction.
• The cardholder can send money by RakMoney Transfer service from anywhere and get monthly free remittance.
• The cardholder can avail a wide variety of insurance covers like Credit Shield, Travel Accident Insurance, and purchase protection. These covers are offered in association with Union Insurance Company (P.S.C).
• The RED Credit Card member can make the most of special dining offers at 220 partner restaurants and eateries across the UAE, under RAKfeast Dining Discount
• This RAKBANK Credit Card member can avail a 0% Payment Plan for a period of 3, 6, 9 or 12 months.

Features of RAKBANK Kalyan Jewellers Credit Card

• The card doesn’t charge an annual fee.
• The card charges a low-interest rate on outstanding credit card bill.
• The primary card member can apply for free supplementary credit card(s) for their eligible family member(s).
• The cardholder can withdraw cash (up to 80% of the available limit) through cash advance service.
• The card member is also eligible to avail interest-free credit for up to 55 days.
• The card charges a minimum payment as 3% of the outstanding balance.
• The cardholder can send money using RakMoney Transfer service from anywhere.
• The cardholder can use RAKBANK ATM or any of the participating exchange houses for making the credit card payment.
• The RAKBANK Credit Card member can avail a 0% Payment Plan for a period of 3, 6, 9 or 12 months.
• The cardholder can avail fantastic discounts on electronics, jewelry, furnishing, dining, holidays and more.
• The cardholder can avail a discount of 20% thrice a month by adding their RAKBANK MasterCard as a payment option in the Careem
• The MasterCard members can avail Buy One Get One Offers spanning across hotels, fine dining restaurants, cafes, attractions, entertainment zones throughout the Middle East and Africa.
• The card member can avail unlimited complimentary access to VIP airport lounges across GCC.
• The card member can avail additional benefits like purchase protection and travel accident insurance.
• The RAK credit card member can avail fantastic discounts and privileges on premium brands and hotels worldwide.
• The cardholder can make the most of special dining offers at numerous participating restaurants by courtesy of the RAKfeast Dining Discount

• The cardholder can easily make utility bill payments without any hassle.
• The cardholder can avail additional RAKBANK Titanium Business Credit Cards for their employee(s).
• The cardholder can avail RAKfeast Dining Privileges.
• The MasterCard member can avail premium travel offers.
• The card member can avail unlimited access to key airport lounges in the Middle Eastern region.
• The card offers a host of insurance covers like travel accident insurance and purchase protection. These covers come in handy in case of travel adversities such as travel delay, misplaced baggage, personal liability cover, personal accident cover and more.
• This RAKBANK Titanium Credit Card offers comprehensive credit shield insurance. In case of illness, severe physical losses, and death. The card member can avail the business insurance plan offered by the third-party service providers at discounted rates.

Note-

1. New rules have come into effect since January 1^st, 2018, stating that all purchases under the Government Services payment category are eligible for 0.25% cashback for every 1 Dirham spent.

2. New rules have come into effect since August 2^nd, 2018, stating that all purchases under the Telecom & utility bill payment category, Car Rentals, Transport, and Real Estate are eligible for 0.25% cashback for every 1 Dirham spent.

Insurance Benefits:

• Both executive and premium cardholders are eligible to avail a 100 AED discount for motor insurance.
• Both the executive and premium cardholders are eligible for Secure Wallet cover (up to AED 10,000).
• Both the executive and premium cardholders can avail a travel insurance plan with worldwide coverage.
• Both the executive and premium cards offer enhanced purchase protection (valid up to USD 1,000 per product).
• Both the executive and premium packages offer house contents insurance up to AED 20,000.
• The premium card comes with an extended warranty of 1 year.
• Note- The amount of life insurance coverage varies by the package- AED 25,000 (for executive) and AED 5O, 000 (for premium).

Lifestyle Benefits

When it comes to offering lifestyle benefits, both the executive and premium cards have a lot to offer:

The executive card offers a Gold Package for Roadside Assistance and Concierge Services whereas the premium card offers a Platinum Package for the same.

While both the executive and premium cards come with RAKvalue offers, the service fees vary by package.

• Life Insurance: The RAKBANK primary Credit Card member can avail a life insurance cover. The card member must be 18 years to 65 years of age in order to be eligible for this cover.
• Travel Insurance: The primary credit card member, their spouse, and up to three children are eligible to avail coverage under annual worldwide insurance.
• Note- The insurance cover is subject to terms and conditions.
• Enhanced Purchase Protection: This complimentary insurance cover safeguards the cardholder against unforeseen events like theft, lost or stolen card. The benefit is capped at USD 1,000 per product for a period of 90 days after the date of purchase.

Note- All the repair expenses borne by the card member will be reimbursed.

• Home Contents Insurance: This insurance helps the cardholder safeguard the contents of their house against unforeseen liabilities arising due to unexpected events, accidental damages, and natural disasters.
• Extended Warranty Benefits: The cardholder can avail extended coverage on appliances long after the expiry of the manufacturer’s warranty. The coverage is valid for a period of one additional year and can be extended up to three years from the date of purchase.
• Roadside Assistance and Concierge Service: The cardholder can avail around-the-clock protection for their vehicles against electrical/mechanical breakdown.

Here are the services the cardholder can avail:

• Towing service
• Mechanical breakdown
• Battery repair service
• Flat tyre assistance
• Emergency fuel requirements
• Lockout assistance
• Off-road recovery

Note- The cardholder can also enjoy a host of concierge services on offer.