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RAKBANK Credit Cards

The National Bank of Ras Al Khaimah, popularly known RAKBANK, is one of the earliest banks in the Arab region. The bank was incorporated in 1976, and underwent a radical transformation in the year 2001, shifting its focus entirely from corporate financial services to holistic banking solutions (personal and corporate banking services). Keeping up with the times, the bank has extended its bouquet of offerings to provide its customers with a host of personal and business banking solutions across its 38 branches. One such solution is to offer RAKBANK Credit Cards, not to mention other prominent electronic banking solutions such as telephone and online banking.

RAKBANK is also known for its Sharia-compliant banking services via RAKislamic- its Islamic Banking unit, catering to personal and business banking customers. The bank is headquartered in the emirate of Ras Al Khaimah, (RAKBANK Building on Sheikh Mohammed Bin Zayed Road). The Government of Ras Al-Khaimah exercises control over the bank with the ownership of 52.76%- a fact which can vouch for the bank’s widespread popularity. Nothing attests to this better than the fact that the UAE Banking Federation (UBF) considers this bank as one of its integral members. The bank abides by the UBF-specified customer charter to conduct reliable and transparent banking activities across the finance industry, giving customers not only what they need but also what they want.

RAK BANK Credit Card Types

Listed below are the types of Credit Card offered by RAKBANK:

Types of RAKBANK Credit Card

1. RAKBANK World Credit Card

The World Credit Card unlocks a special world of benefits, awards and privileges for the credit card applicant. It comes as no surprise that RAKBANK Credit Cards offer worth it experiences. RAKBANK World Credit Card takes credit card benefits to another level. This card offers more than what a credit card applicant could expect from a basic credit card. It offers fantastic cashback on all the purchases. RAK BANK Credit Cards come with a plethora of benefits such as lifestyle privileges, travel offers, and loads of savings.

Membership Rewards with RAKBANK Credit Cards

  • The cardholder can satiate their travel pangs as they can earn cashback up to 10% on all their domestic and travel expenses such as booking flight and hotels (dining and accommodation).
  • Who doesn’t love shopping? Shopping becomes much more enjoyable and rewarding with RAKBANK Credit Card as the card member can earn a cashback up to 10% on all supermarket purchases worldwide.
  • For the movie buffs, the World Credit Card brings something so fantastic to rave about- an offer that is too hard to resist for the cinema-goers i.e. flat 50 % cash back on movie tickets at multiplexes around the world.
  • Indulging in a shopping spree becomes more satiating and gratifying than ever. The card member can earn up to 5% cashback on retail purchase transactions worldwide, not to mention cash advances and other digital transactions.
  • For all the local retail spending, the cardholder can earn up to 3% cashback.

Unmatched Lifestyle Privileges with RAK BANK Credit Cards

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 RAK BANK 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 BANK 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 RAK BANK 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 Cards

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:

 

Personal Accident Insurance Cover Up to USD 500,000
Medical Emergency Expenses Cover Up to USD 500,000
Emergency Medical Evacuation & Repatriation Up to USD 500,000 
Hospital daily indemnity Up to USD 100 per day 

(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:

 

Delay of baggage up to USD 300
Loss of baggage up to USD 3,000
Trip curtailment up to USD 7,500
Trip cancellation up to USD 7,500
Missed connection up to USD 300
Trip delays USD 300

(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 RAKBANK 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.

2. RAKBANK FC Barcelona Platinum MasterCard Credit Card

For football lovers, the love for football knows no bounds. Their passion heightens to another level when it comes to one of the greatest football teams ever, FC Barcelona. This RAKBANK Credit Card is designed keeping in mind the needs of football fans. The card member can use this card for daily spends to score exclusive deals and rewards.

RAKBarçaRewards

The RAKBANK FC Barcelona Platinum MasterCard Credit Card is like a dream come true for every shopper and football fanatic alike, courtesy of the RAKBarçaRewards. It is easy for the cardholder to earn instant rewards on all their spend be it daily supplies, shopping, bill payments and more.

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

 

Category Rewards for domestic spends per AED 1 Rewards for international spends per AED 1
Sports shop, sports lounges, restaurants, adventure sports, etc. 1.25 2
Government Services, Telecommunication & Utility Bill Payments, Transport, Real Estate, Gas Stations                                                0.35
Additional Retail spends 1 1.5

(Updated as of January 2019)

 

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 RAKBANK 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.

3. RAKBANK Air Arabia Platinum Credit Card

With RAKBANK Platinum Credit Card, the cardholder can indulge in the privilege of traveling. This card stands out as a great value for money product. They can opt for this credit card and use it for domestic and international spends. They can avail a host of benefits like air rewards points, exclusive discounts and privileges, and great savings on every journey.                    

A joining bonus of 15,000 Air Reward Points will be provided upon payment of initial joining fee and spending minimum retail expenses of AED 5000 in the first three months.

Reward Points

Here are the details of Air Reward Points:

 

Spend Air Rewards Points
For every AED 5 spent at Airarabia.com 1.75
For every AED 5 spent within UAE 1.25
For every AED 5 spent outside UAE 1.75
For every AED 5 spent at Government Merchants Telecommunication & utility bill payments, Real Estate, Transport, and Petrol/Gas Stations, and Car Rental services.   0.30

(Updated as of January 2019)

 

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 RAKBANK Credit Card offers a 0% Payment Plan at various participating merchants and is available for a period of 3, 6, 9 or 12 months.

4. HighFlyer Platinum Credit Card

The new Platinum Credit Card unlocks a special world of rewards, discounts, and privileges for the cardholder. This new card offers an ample choice of selecting any airline from the list of over 300 partner airlines for the redemption of the accumulated travel points. In addition to that, it enables the cardholder to choose from a broad range of over 300,000 hotels and avail various discounts and offers. Additionally, the cardholder gets to earn the particular airline loyalty miles.

Rewards Galore with RAKBANK Credit Card

The RAKBANK Highflyer Platinum credit card also offers a point-based loyalty program known as RAKrewards. Under this program, the cardholder can get up to 350,000 RAKrewards on their international and domestic spends each month.

Here are the details:

 

Monthly Spend Rakrewards on domestic spend each month per AED 1 Rakrewards on international spend each month per AED 1
Up to AED 14,999 1.75 3
15,000 and above 3 5
Max Cap 175,000 175,000

(Updated as of January 2019)

 

Note-

1. New rules have come into effect since January 1st, 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 2nd, 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:

 

Total Retail Spend in three months in AED Bonus Reward Rate Max Cap- RAKrewards
15,000-19,999 10 % 33,333
20,000-24,999 20 % 75,000
25,000 and above 30 % 138,889

(Updated as of January 2019)

 

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.
  • RAKBANK 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.

5. RAKBANK Titanium Credit Card

The RAKBANK Titanium Credit Card offers an array of benefits and privileges that are hard to find elsewhere. The card offers a 5 % cashback on all dining and supermarket purchases not to mention the RAKBANK Credit Card movie offers, which offers a cashback of up to 50% on cinema spends worldwide.

Here are the details:

 

Minimum Monthly Spend in AED Monthly Cashback on Dining and Supermarkets Monthly Cashbacks on Cinemas
5,000 5% 50%
Max monthly Cashback Cap AED 150 AED 70

 

Standard Cashback*

Additionally, the card member will earn up to 2 % cashback on digital transactions, international Cash Advances, and retail purchase transactions (both local and international).

Here are the details:

 

 Monthly Spend - Domestic & International (AED) Monthly Standard Cashback
1 - 14,999 1%
15,000 & above 2 %
Maximum Cashback Cap For Each Month AED 1500

 

Note-

1. New rules have come into effect since January 1st, 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 2nd, 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.

6. My Ras Al Khaimah Visa Platinum Credit Card

Some of the best things in life come for free, the same can be said for My Ras Al Khaimah Visa  Credit Card. The credit card member can make the most of this free-for-life card as it offers great savings, a multitude of benefits, plenty of privileges etc.

RAKBANK- RAKrewards

The RAKBANK Platinum Credit Card comes with a point-based loyalty program known as RAKrewards. Here are the details:

 

Overall Monthly Spend RAKrewards in case of a local transaction for every 1 Dirham spent RAKrewards in case of an International transaction for every 1 Dirham spent
Equal to AED 14,999 Earn 1.25 points Earn 2.5 points 
From AED 15,000 and higher Earn 2.5 points Earn 3.75 points

(Updated as of January 2019)

 

Note-

1. New rules have come into effect since January 1st, 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 2nd, 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 

7. RAKBANK RED Credit Card

The cardholder can save more and get more bang-for-buck with the new RAKBANK RED Credit Card. This RAKBANK Credit Card is ideal for the card applicant who wants to pay less and save more. The cardholder can avail a 1.5% discount on both local and international spends upon spending AED 1000 or above in a month.

Here are the details of the offered discounts:

 

Spend     Discount 
From AED 1,000 to AED 2999            1% 
From AED 3,000 & above   1.5% 
Max cap for each month    AED 300 

(Updated as of January 2019)

 

Note-

1. New rules have come into effect since January 1st, 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 2nd, 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.

8. RAKBANK Kalyan Jewellers Credit Card

RAKBANk Kalyan Jewellers credit card is the only card that offers Goldback. The card member is eligible to get a certain percentage of Goldback on all purchases made at Kalyan Jeweller’s stores. The card offers a 5% Goldback on all international spends and up to 3% Goldback on local transactions. The Goldback can be redeemed at Kalyan Jewellers showroom.

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

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

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 RAKBANK 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

9. RAKBANK VISA Credit Card

This RAKBANK Credit Card helps the cardholder get control of their finances and avail various benefits such as:

  1. The cardholder can earn up to 1% Cashback on all international retail transactions including cash advances.
  2. The cardholder can earn up to 1% Cashback on overall monthly local retail purchases if they fulfil the minimum monthly spend requirement of AED 1000.

Benefits of RAKBANK VISA Credit Card

  • This RAKBANK Visa Credit Card doesn’t charge an annual fee.
  • It charges a low-interest rate on outstanding credit card bill.
  • The Visa Credit Card member is eligible to avail interest-free credit for up to 55 days.
  • The eligible primary credit card member can apply for free supplementary credit card(s) for their family member(s).
  • 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 from anywhere.
  • The card charges minimum payment i.e. 3% of the outstanding bill.
  • The cardholder can make the most of special dining offers at numerous participating restaurants by courtesy of the RAKfeast Dining Discount
  • The RAKBANK Credit Card member can avail privileged discounts on dining and shopping spends.
  • The card offers additional benefits like purchase protection and travel accident insurance.
  • The RAKBANK Credit Card comes with a 0% Payment Plan for a period of 3, 6, 9 or 12 months.

10. RAKBANK nmc Credit Card

There is nothing better than getting a credit card that offers a host of wellness benefits along with features. The card has been formulated in partnership with the nmc Group- a pioneering leader in healthcare services.

Benefits of RAKBANK nmc Credit Card

  • This RAKBANK Credit Card doesn’t charge an annual fee.
  • It enables the cardholder to earn up to 1% Cashback on all international retail transactions including cash advances and online transactions.
  • It enables the cardholder to earn up to 1% Cashback on all local retail purchases if cardholder’s minimum monthly transaction is more than 1000 Emirati Dirham.
  • The card member can earn hefty discounts at nmc hospitals, opticians, pharmacies, restaurants, beauty salons, and jewelry
  • The primary card member can apply for free supplementary credit cards for their eligible family member.
  • It charges a low-interest rate on pending retail transactions.
  • It provides interest-free credit for up to 55 days.
  • The cardholder can withdraw cash (up to 80% of the available limit) through cash advance service.
  • It offers additional benefits like purchase protection and travel accident insurance.
  • This RAKBANK Credit Card offers lucrative discounts on shopping and dining spends.
  • The card charges a minimum payment as 3% of the total outstanding bill.
  • The cardholder can send money by RakMoney Transfer service from anywhere.
  • The cardholder can make the most of special dining offers at numerous participating restaurants by courtesy of the RAKfeast Dining Discount
  • The RAKBANK Credit Card comes with a 0% Payment Plan at various participating merchants for a period of 3, 6, 9 or 12 months.

11. RAKBANK GÉANT LA CARTE MasterCard Credit Card

RAKBANK Géant La Carte MasterCard Credit Card offers various benefits such as a unique loyalty points program. It offers much-needed safety and security to the credit cardholders.

Benefits of RAKBANK GÉANT LA CARTE MasterCard Credit Card

Listed below are the benefits offered by RAKBANK Géant La Carte MasterCard Credit Card:

  • Under a unique loyalty points program, the cardholder earns reward points for every eligible transaction.
  • This RAKBANK Credit Card doesn’t charge an annual fee.
  • The RAKBANK Géant La Carte Credit Card member is eligible to get credit without interest for a definite time period.
  • The card charges a low-interest rate is on pending retail transactions.
  • The primary card member can apply for free supplementary card(s) for their eligible family member(s).
  • The card offers additional benefits such as purchase protection and travel accident insurance.
  • The card member can send money by RakMoney Transfer service from anywhere. The cardholder can withdraw cash (up to 80% of the available limit) through cash advance service.
  • The cardholder can avail special discounts up to 30 % at Geant
  • The card member can earn special discounts by shopping at Geant and Le Marche shopping centres.
  • The card member can earn additional reward points as they shop and spend across the region. These points, known as La Carte Points, can be redeemed as per applicable terms and conditions.
  • The cardholder can make the most of special dining offers at various partner restaurants and eateries across the UAE, by courtesy of the RAKfeast Dining Discount program.
  • The RAKBANK Credit Card comes with a 0% Payment Plan at various participating merchants and is available for a definite time period.

12. RAKBANK MasterCard Credit Card

It is a standard MasterCard that fulfils various credit card needs of various credit card applicants.

MasterCard Credit Card Benefits

The RAKBANK MasterCard credit card offers the following benefits:

  • It offers up to 1% Cashback on all international retail transactions including cash advances and online transactions.
  • It offers up to 1% Cashback on all local retail purchases put on the card in a month if the cardholder’s minimum monthly transaction is more than 1000 Emirati Dirham.
  • The card comes with a zero annual fee.
  • The RAKBANK MasterCard credit cardholder is eligible to get credit without interest for a definite time period.
  • The card charges a low-interest rate on pending retail transactions.
  • The eligible card members can apply for free supplementary 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 offers additional benefits like purchase protection and travel accident insurance.
  • The cardholder can make the most of special dining offers at various partner restaurants and eateries across the UAE, by courtesy of the RAKfeast Dining Discount program.
  • RAKBANK MASTERCARD Credit Card offers privileged discounts on dining and shopping spends.
  • The cardholder can send money by RakMoney Transfer service from anywhere. The RAKBANK Credit Card comes with a 0% Payment Plan at various participating merchants and is available for a definite period of time.

13. RAKBANK Titanium Business Credit Card

The RAKBANK Titanium Business Credit Card is designed after keeping the business requirements of credit card applicants in mind. It is the go-to card for all the business transactions around the globe such as purchasing of such stock as raw materials or instruments, making payment for services rendered by the third-party etc.

Titanium Business Credit Card Benefits

Here are the benefits of RAKBANK Titanium Credit Card:

  • The card comes with a zero annual fee.
  • The card offers a cashback* of 1% on all spends across categories such as retail (both international and domestic) and online transactions and cash payments.
  • It comes with a high
  • The cardholder can withdraw cash (up to 90% of the available limit) through cash advance service.
  • A RAKBANK Titanium Credit Card member is eligible to get credit without interest for a definite time period.
  • The card is accepted worldwide in all establishments that support MasterCard services.
  • 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 1st, 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 2nd, 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.

14. RAKBANK Rakvalue Credit Card

Rakvalue Credit Card is perfect for the credit card applicants looking for value-for-money deals. These cards offer savings along with a plethora of services such as complimentary insurance, monthly offers, roadside assistance and what not.

Rakvalue Credit Cards Benefits

Listed below are the benefits offered by this RAKBANK Credit Card:

  • Both executive and premium package are eligible for international remittance through a mechanism called SWIFT every month.
  • Both executive and premium packages provide a monthly duplicate statement.
  • The premium card member can opt for a credit card cheque once a year.
  • The premium card member can opt for a monthly cheque collection facility from their home.

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.

How to Apply for RAKBANK Credit Card?

An applicant can apply for RAKBANK Credit Card by filling the online application form at the website or visiting the nearest bank branch.

Nowadays, the majority of banks in the UAE offer credit cards online. The credit card applicant can fill up the online application form at the official website of RAKBANK. The credit card experts recommend comparing various features, benefits, and eligibility criteria of the various credit cards. They can select the card that fits their credit card requirements.

RAKBANK Credit Cards Frequently Asked Questions

Question 1- Is there an annual fee charged on RAKBANK Credit Cards?

Answer- No, there is no annual fee charged on these cards. The same applies to a primary and up to 9 supplementary cards.

Question 2- Can I make utility bill payment(s) using RAKBANK Credit Card?

Answer-Yes, you can make utility bill payment(s) using RAKBANK Credit Card.

Question 3- What is the main feature of RAKBANK Titanium Credit Card?

Answer- The card offers maximum rewards on all spends, without charging an annual fee. It is the first premium Titanium card that offers a host of benefits which other credit cards cannot match.

Question 4- Do I need to pay enrolment fees for RAKBANK Credit Card?

Answer- There are no enrolment charges as yet.

Question 5- What is RAKvalue-Credit Card?

Answer- RAKvalue credit card provides a host of insurance, banking, and various lifestyle benefits.

Question 6- Who is eligible to avail car insurance benefits on these cards?

Answer- The primary cardholder can avail roadside assistance and insurance benefits.

Question 7- Is it possible for the existing cardholder to apply for Rakvalue Credit Card?

Answer- Yes, it is possible. The cardholder can visit the nearest branch, or apply for Rakvalue Credit Card online.

Question 8- Can I transfer my Rakvalue package to another credit card?

Answer- The benefits offered by credit card cannot be transferred to another card.

Question 9- Currently, I have two cards- RAKBANK RED Credit Card and RAKBANK Titanium Credit Card. Can I combine limits for both the cards?

Answer- Yes, you can combine limits for these cards. Let’s say, your limit on RAKBANK RED Credit Card is AED 23,000/- and the limit on your RAKBANK Titanium Credit Card is AED 20,000/-, the new total limit will be AED 43,000/-

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