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RAKBANK offers a free for life My Ras Al Khaimah Visa Platinum Credit Card which gives the cardholders an advantage of great benefits, savings and more. This RAKBANK Credit Card offers them RAKrewards on all their spendings. They can also enjoy privileges and discounts on shopping, traveling, entertainment and more. Some of the benefits this card includes are balance transfers at a low cost, an interest-free period for up to 55 days, easy payment plan and more.
This RAK credit card offers a variety of benefits to the cardholders. Some of these are as follows:
This RAK credit card offers a plethora of benefits and offers to the cardholders which makes it a good choice for the applicants. Following are the reasons why to choose My Ras Al Khaimah Platinum Credit Card:
This RAKBANK credit card offers reward points (in the form of RAKrewards) and cashback against eligible purchases that can be redeemed for booking hotels and air tickets, securing gift vouchers and other amazing deals.
My Ras Al Khaimah Platinum Credit Card offers a variety of benefits to its cardholders which include dining benefits, insurance benefits, lifestyle benefits, travel benefits, and movie benefits.
RAKBANK provides 24/7 customer care service by giving the credit cardholders access to their services and support anytime they need. The friendly customer care agents support and guide the card members in an informative manner, resolving their doubts and queries efficiently (if any).
This Ras Al Khaimah Platinum Credit Card charges no annual fee from the cardholders making it free for life. There is no fee charged on supplementary cards as well.
My Ras Al Khaimah Platinum Credit Card charges very low fees and interests from its cardholders. The fees and charges are as follows:
|Annual Fees on Supplementary Cards||NA|
|Retail Transaction Fee (monthly)||3.45 percent|
|Balance Transfer (monthly)||1.50 percent|
|Credit Card Cheques (monthly)||2.25 percent|
|Cash Advances (monthly)||3.45 percent|
|Smart Cash (monthly)||2 percent|
|Cash Advance Charge||3% or 99 AED (whichever is higher)|
|Card Replacement Charge||75 AED|
|Over-limit Charge||275 AED|
|Late Payment Charge||230 AED|
|Duplicate Statement Charge||45 AED (per statement)|
|Returned Cheque Charge||100 AED|
|Sales Voucher Copy Charge||65 AED|
|International Courier Fees||100 AED|
|Credit Card Cheque Processing Charge||1%, minimum AED 50 and maximum AED 250|
|Smart Cash Processing Charge||100 AED|
|Processing Fee for EPP with participating merchants||3 months- 49 AED6 months- 49 AED9 months- 1.5%12 months- 2%|
|Cancellation Fee||249 AED|
|International Transaction Charge for Purchase||In non-AED currency: 2% on the transaction amountIn AED currency: 2.5% on transaction amount|
|Credit Shield Insurance||0.99 percent|
|Payment through Exchange House Charge||3 AED (each transaction)|
|International Remittance Charge||75 AED|
(These charges will be applicable w.e.f. 27-02-2019)
This RAKBANK Credit Card offers its cardholders rewards on the purchases they make. Some of these rewards are-
The cardholders can redeem their RAKrewards instantly anytime and anywhere online. They simply need to login into their RAKrewards account in order to redeem their points. They can redeem these points to use for the following choices:
The applicants who seek to obtain My Ras Al Khaimah Visa Platinum Credit Card can apply online or through call or by visiting any of our branches.
For RAKBANK Credit Card Application, the applicant requires the following documents-
|Other RAKBANK Credit Card|
Q1: What is a credit card balance transfer?
Ans: When you transfer the amount available in one credit card account to another credit card account, it is referred to as a balance transfer. In case of some credit cards, you may have to pay a fee to avail the facility of the balance transfer.
This RAKBANK Credit Card charges 1.50% on balance transfers.
Q2: What is 0% Instalment Payment Plan?
Ans: As per 0% Instalment Payment Plan, you can easily convert your credit card purchases made at selected or partner merchants to monthly installments at no interest.
Q3: What is Credit Shield Insurance?
Ans: Credit Shield Insurance is a protection benefit which gives coverage for the outstanding balance of your credit card. In case you are not able to meet your credit card dues because of unfortunate circumstances such as critical illness, involuntary loss of employment or even death, this insurance ensures that you and your family are not burdened unnecessarily.
This RAK Credit Card charges 0.99% for Credit Shield Insurance.
Q4: What do I do if my RAKBANK credit card is lost or stolen?
Ans: In case your credit card is lost or stolen, report it to the bank and the local police as soon as possible. The more time you take to report about the missing or stolen card, the more risk you might have to bear. If any such situation arises, you should let the bank know immediately by calling +9714 2130000 from within the UAE or +9717 2064444 if you are outside UAE. You have 24/7 access to their customer care.
Q5: How many remittances can I make through RAKMoney Transfer using My Ras Al Khaimah Visa Platinum Credit Card?
Ans: You can remit funds to Nepal, India, Philippines, Pakistan and Sri Lanka using this RAKBANK credit card through RAKMoney Transfer. Keeping within the maximum retail remittance limit, you can make as many remittances as you want. You can also send funds over the predefined maximum retail limit but only up to the cash limit available on your credit card. Any remittance made above the maximum retail remittance limit would be considered as a cash transaction and finance charges may be levied on it starting from the transaction date. Cash advance fee will not be charged on such transactions.
The Maximum Retail Remittance Limit for My Ras Al Khaimah Visa Platinum Credit Card is AED 5000 per billing cycle. The minimum amount of remittance is AED 100.