RAKBANK Emirates Skywards Credit Card in UAE

By Krunal Gandhi
  | Published: 26 October 2021

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Established in 1976, RAKBANK is one of the leading and profitable members of the UAE Banking Federation (UBF), which is headquartered in the Emirate of Ras Al Khaimah in the UAE. The bank operates through more than 27 branches in the country and offers Sharia-compliant digital banking products to help its customers manage their finances easily. 

Among all the banking products such as bank accounts, loans, mortgages, insurance, etc., credit cards are one of the most popular products. RAKBANK Emirates Skywards Credit Card offers attractive deals and discounts on dining, travel, shopping, entertainment, lifestyle and much more. 

Let us go ahead and know more about the RAKBANK Emirates Skywards Credit Card with its benefits, features and eligibility criteria.

RAKBANK Emirates Skywards World Elite MasterCard Credit Card

RAKBANK Emirates Skywards World Elite MasterCard Credit Card comes with a minimum salary requirement of AED 25,000. The cardholders need to pay an annual fee of AED 1,499 to keep using this credit card.

RAKBANK Emirates Skywards World Elite MasterCard Credit Card

Airport Lounge Access
  • Minimum Salary AED 20,000
  • Annual Fee AED 1499
  • Airport Lounge Access
  • Dining offers
  • Careem Chauffeur Discounts
  • Golf offers
  • Travel Insurance

Features & Benefits of this Credit Card

  • Discovery Black Membership: RAKBANK Emirates Skywards World Elite MasterCard Credit Card members are automatically enrolled for Discovery Black Membership. The membership benefits the cardholders in more than 35 hotel brands with more than 570 hotels across 78 countries. The cardholders get various exclusive benefits such as early check-in from 09:00 AM, double room upgrades, late checkout until 06:00 PM, guaranteed room availability and much more.
  • RAKfoodie Benefits: RAKBANK Emirates Skywards World Elite MasterCard Credit Card offers attractive discounts on RAKfoodie App. The best part about this service is that the cardholders can enjoy fine dining benefits without getting any subscription to the app. With RAKBANK Emirates Skywards World Elite MasterCard Credit Card, the cardholders can get up to 30 per cent off at more than 2,000 restaurants. In addition, they can enjoy Best Foodie Fridays and Buy 1 Get 1 free offer at their preferred restaurants.
  • Insurance Covers: RAKBANK Emirates Skywards World Elite MasterCard Credit Card offers multiple insurance covers including travel medical insurance and travel inconvenience insurance for the cardholders. These insurance covers help them deal with sudden expenses arising due to an unfortunate event during their travel.
  • Car Rental Benefits: RAKBANK Emirates Skywards World Elite MasterCard Credit Card offers cardholders attractive car rental benefits at Avis and Hertz. Moreover, the cardholders can enjoy a 10 per cent discount when booking through rentalcars.com and up to 10% cashback when booking through Booking.com using this RAKBANK Credit Card.
  • Discounts on ClearTrip: RAKBANK Emirates Skywards World Elite MasterCard Credit Card offers up to 10 percent discount on bookings made using ClearTrip. The cardholders can use the promo code MCWORLD to avail of this offer.
  • Shopping Benefits: RAKBANK Emirates Skywards World Elite MasterCard Credit Card offers attractive discounts on hundreds of retail stores while providing exciting shopping benefits to cardholders.
  • Hotel Discounts: RAKBANK Emirates Skywards World Elite MasterCard Credit Card offers exclusive deals and discounts at premium hotels and stays for the cardholders.
  • Travel Visa: RAKBANK Emirates Skywards World Elite MasterCard Credit Card enables global travellers to apply for a travel visa for only USD 15.
  • Access to Lounges: RAKBANK Emirates Skywards World Elite MasterCard Credit Card offers free lounge access to Global Blue fast track services at the Airport VIP Fast Lanes and Global Blue Tax Refund City VIP Lounges.
  • Luxury Resorts Benefits: RAKBANK Emirates Skywards World Elite MasterCard Credit Card offers up to 20 percent off on booking at Soneva Luxury Resorts.
  • Fine Dining Offers: RAKBANK Emirates Skywards World Elite MasterCard Credit Card offers exclusive discounts and offers at various fancy restaurants. 
  • Purchase Protection: RAKBANK Emirates Skywards World Elite MasterCard Credit Card purchase protection coverage for the cardholders against expenses that occurred due to theft or accidental damage caused to products bought using this credit card within 30 days from the date of purchase as mentioned on the receipt. 
  • Secure Wallet: RAKBANK Emirates Skywards World Elite MasterCard Credit Card offers secure wallet cover of up to AED 10,000 in case the cardholders get their credit card lost or stolen. The service also helps policyholders manage the expenses caused due to fraudulent transactions or misuse of their credit cards.
  • Lower Interest Rates: RAKBANK Emirates Skywards World Elite MasterCard Credit Card offers lower interest rates depending upon the ongoing offers.
  • Discounted Uber Rides: RAKBANK Emirates Skywards World Elite MasterCard Credit Card offers a 20 percent discount capped up to AED 12 for the first three UBER rides every month. The cardholders can simply install the Uber App from any of the app stores (Google Play Store or Apple App Store) and add their RAKBANK credit card to it to avail of this benefit.
  • Cash in Advance: RAKBANK Emirates Skywards World Elite MasterCard Credit Card allows cardholders to withdraw cash in advance of up to 80 percent of their available credit limit.
  • Easy Payment Plan: RAKBANK Emirates Skywards World Elite MasterCard Credit Card allows cardholders to convert their huge transactions into easy monthly EMIs at a zero percent interest rate.
  • Other Benefits: RAKBANK Emirates Skywards World Elite MasterCard Credit Card offers various other benefits on dining, lifestyle, furnishing, electronics, and more.

Skywards Miles Benefits

  • Welcome Bonus: RAKBANK Emirates Skywards World Elite MasterCard Credit Card offers 20,000 Skywards Miles as a joining bonus for the cardholders. The cardholders can avail of this bonus only after paying the annual membership fee for the credit card. The bonus miles get credited to the cardholder’s account within a week of the next billing cycle.
  • Extra Skywards Miles: RAKBANK Emirates Skywards World Elite MasterCard Credit Card offers 50 percent extra Skywards Miles based on the retail spending of the cardholders. The bonus miles get credited to the cardholder’s account within a week of the next billing cycle.
  • Spend Tiers for Skywards Miles: Here is how the cardholders can earn more Skywards Miles by using a RAKBANK Emirates Skywards World Elite MasterCard Credit Card.

Amount

Skywards Miles

AED 2,000 to AED 4,999

600 Skywards miles

AED 5,000 to AED 9,999

2,000 Skywards miles

AED 10,000 to AED 19,999

5,000 Skywards miles

AED 20,000 to AED 29,999

8,000 Skywards miles

AED 30,000 to AED 39,999

11,000 Skywards miles

AED 40,000 to AED 49,999

16,000 Skywards miles

AED 50,000 to AED 74,999

20,000 Skywards miles

AED 75,000 to AED 99,999

30,000 Skywards miles

AED 100,000 or more

40,000 Skywards miles

  • Balance Transfer: RAKBANK Emirates Skywards World Elite MasterCard Credit Card enables cardholders to earn Skywards Miles when using the balance transfer facility. With this service, the cardmembers can transfer their other bank’s credit card outstanding amount to RAKBANK Credit Card. Moreover, they can repay this consolidated debt in easy monthly installments at a zero percent interest rate for the first three months.
    The cardholders need to pay a processing fee of 2.99 per cent to avail of this service. Here is how the cardholders can earn Skywards Miles with the balance transfer facility.

Balance Transfer Amount

Skywards Miles

AED 25,000 or more

10,000 Miles

AED 40,000 or more

25,000 Miles

AED 60,000 or more

30,000 Miles

AED 80,000 or more

40,000 Miles

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Here are a few terms and conditions that cardmembers need to follow for earning Skywards Miles through balance transfer. 

  • The Skywards Miles earned through balance transfer will get credited to the cardholder’s account within a week of the billing cycle.
  • Skywards Miles will be calculated individually for all the balance transfer transactions.
  • RAKBANK Credit Cards with a credit balance will not be eligible for making the balance transfer.
  • The cardholders can cancel their balance transfer transaction within seven days of placing the request. Please note the cardholders need to pay cancellation charges for this service. 

Eligibility Criteria to Apply for a RAKBANK Emirates Skywards Credit Card

Here are the eligibility criteria to apply for a RAKBANK Emirates Skywards Credit Card.

  • The applicant must be 21 years of age or above.
  • All UAE residents are eligible to apply for RAKBANK Emirates Skywards Credit Cards.
  • The applicant must meet the minimum salary requirement to get their chosen RAKBANK Credit Card.
  • The applicant must have a good credit score to apply for this credit card.

Documents Required to Apply for a RAKBANK Emirates Skywards Credit Card

Here are the documents required to apply for a RAKBANK Emirates Skywards Credit Card.

  • Emirates ID 
  • Passport with Residency Visa
  • A working UAE mobile number
  • Last three months bank statement 
  • Appointment Letter or Salary Transfer Letter 
  • Utility Bills copy for address verification 
  • Trade License for self-employed employees

How to Apply for a RAKBANK Emirates Skywards Credit Card?

Here are the simple ways to apply for a RAKBANK Emirates Skywards Credit Card.

  • Visit a Branch: The applicants can visit the nearest branch of RAKBANK and apply for their RAKBANK Emirates Skywards Credit Card. They need to fill up the application form and submit it with all the essential documents. 
  • Call the Customer Support: Emirates Islamic Bank offers 24/7 available help and support lines to answer their customers’ queries as and when they require. The applicants can call this helpline number and apply for their RAKBANK Emirates Skywards Credit Card. 
  • Online Banking: The applicants can also log in to their online banking portal and apply for their RAKBANK Emirates Skywards Credit Card. They need to download, fill and submit the application form with all the necessary documents. 
  • Mobile Banking: RAKBANK offers a mobile banking app for its customers. If the applicant is an existing customer and registered on the mobile app, they can easily apply for their RAKBANK Emirates Skywards Credit Card in just a few taps.
  • Our Website: The applicants can also visit our website and go to the credit cards section to find the RAKBANK Emirates Skywards Credit Card. They can go through the features and benefits of all the credit cards on our website. This helps them make an informed decision based on their financial preferences. 
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Krunal Gandhi
Krunal Gandhi0 Post

Hi there, myself Krunal Gandhi. I have five years of experience in the content industry and have worked in diverse fields such as sports, technology and education. I'm a sports enthusiast who loves watching Cricket and Tennis. I also like to watch web series and movies having good content – after all, 'Content is King' and it's applicable everywhere.