RAKBANK Roadside Assistance Credit Cards in UAE

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RAKBANK or the National Bank of Ras Al Khaima is one of the oldest banks in the UAE. Since its establishment in 1976, the bank has achieved numerous milestones by focusing on customer service and satisfaction. In the year 2001, the bank shifted its operations from corporate banking to personal and business banking and currently operates across the UAE with over 27 branches and numerous digital portfolios. With a range of customer-centric products, the bank offers personal, business, and corporate bank accounts, including investment banking, deposit schemes, loans, and credit services. 

Getting stuck on the road during an accident can be a tedious task and getting your damaged vehicle off the road can be expensive. To provide a solution to this issue, the bank offers RAKBANK credit cards with complimentary roadside assistance. Using your RAKBANK credit card, you can avail yourself of vehicle assistance services such as flat tyre fixing, fuel delivery, and towing services without having to pay from your pocket. In the article below, you will find various features and benefits of RAKBANK credit cards with free roadside assistance. 

Best RAKBANK Credit Cards with Free Roadside Assistance in UAE

RAKBANK World Credit Card

RAKBANK World Credit Card
Balance Transfer
  • Minimum Salary AED 20,000
  • Annual Fee Free for life
  • Balance Transfer
  • Free for Life
  • Airport Lounge Access
  • Cinema Offers
  • Cashback
  • Airport pick-up and drop off service
  • Dining Offers
  • Travel Insurance
  • Roadside Assistance

Features & Benefits for this RAKBANK Roadside Assistance Credit Card

  • Using the RAKBANK World credit card, you get comprehensive roadside assistance that includes -
    • Mechanical breakdown repairs
    • Towing within the city limits
    • Emergency fuel delivery
    • Flat tyre fixing
    • Lockout services
    • Off-road recovery
    • Battery boost and more
  • You get complimentary vehicle registration and concierge services across the UAE, including an international driving license at a discounted rate.
  • With the World credit card, you get up to 10% cashback on travel bookings and supermarket expenses. On each international spending, you get 5% cashback and 3% cashback on every local spending. 
  • Using the credit card, you can avail yourself of exclusive lifestyle benefits such as dining offers through RAKfoodie, up to 50% discount on movie tickets and various offers through Buy1Get1 MasterCard. 
  • As a part of your travel benefits, you can avail yourself of free access to over 1000 airport lounges across the globe and get discounted flight tickets.
  • Using your credit card, you can enjoy up to 6 complimentary airport transfers every year. 
  • As a part of your travel security, you get personal accident and travel inconvenience coverage of up to USD 500,000.
  • With the purchase protection facility, you can secure your purchased items for up to 30 days against theft, damage, failure, and more. 
  • As a RAKBANK credit cardholder, you get financial features like cash advances, easy installment plans, balance transfers, and more. 
  • With the RAKBANK World credit card, you get a range of lifestyle, travel, entertainment, and shopping benefits. 

RAKBANK FC Barcelona Credit Card

RAKBANK FC Barcelona Credit Card
Airport Lounge Access
  • Minimum Salary AED 8,000
  • Annual Fee AED 300
  • Airport Lounge Access
  • Dining Discounts
  • Airport Pick-Up / Drop
  • Roadside Assistance

Features & Benefits for this RAKBANK Roadside Assistance Credit Card

  • With the RAKBANK FC Barcelona credit card, you get extensive roadside assistance that includes -
    • Towing within the city limits
    • Emergency fuel delivery
    • Flat tyre fixing
    • Mechanical breakdown repair
    • Battery boost and more
  • Along with roadside assistance, you get complimentary vehicle registration and concierge services across the UAE.
  • With every expense made using the FC Barcelona credit card, you get RAKBarcaRewards that you can redeem to avail of numerous discounts. 
  • As a part of your travel benefits, you get access to over 25 airport lounges at regional and international airports. Additionally, you get up to 6 free airport transfers in the UAE. 
  • Using the RAKBANK credit card, you get up to 10% discount on hotel bookings at Booking.com.
  • As a cardholder, you enjoy access to various Buy 1 Get 1 offers on shopping, dining, entertainment and other lifestyle expenses. 
  • For convenient financial management, you get various features like an extended interest-free period of 55 days, easy instalment plans, low finance charges, cash advance facility and more. 
  • Along with the above-mentioned features and benefits, you can enjoy a host of travel, entertainment, shopping and lifestyle benefits. 

RAKBANK High Flyer Credit Card

HighFlyer Platinum Credit Card
Free for Life
  • Minimum Salary AED 8,000
  • Annual Fee Free for Life
  • Free for Life
  • Airport Lounge Access
  • Dining Discounts
  • Purchase Protection & Extended Warranty
  • Roadside Assistance

Features & Benefits for this RAKBANK Credit Card with Roadside Assistance

  • Using the RAKBANK High Flyer credit card, you get extensive roadside assistance services as mentioned below - 
    • Towing within the city limits
    • Emergency fuel delivery
    • Flat tyre fixing
    • Mechanical breakdown repair
    • Battery boost and more
  • Along with roadside assistance, you also get free car registration once a year and vehicle concierge services across the UAE.
  • As a part of your loyalty benefits, you earn RAKRewards for every expense you make using the credit card. You can redeem the RAKRewards to enjoy exclusive discounts on future expenses. 
  • With the High Flyer credit card, you can enjoy complimentary access to over 10 Marhaba lounges, including free access to over 15 regional and international airport lounges. 
  • To secure your trip, the High Flyer credit card comes with multi-trip travel insurance.
  • The credit card also offers a range of travel benefits such as discounted flight tickets and offers on hotel bookings through booking.com.
  • With RAKFoodie, you can enjoy up to a 30% discount on dining expenses at over 2,000 restaurants.
  • For effective financial management, you get cash advance facilities, balance transfers, easy payment plans, and up to 55 days of interest-free period.

RAKBANK Ras Al Khaima Platinum credit card

RAKBANK Ras Al Khaima Platinum Credit Card
Free for Life
  • Minimum Salary AED 8,000
  • Annual Fee Free for Life
  • Free for Life
  • Airport Lounge Access
  • Dining Discounts
  • Movie Discounts
  • Roadside Assistance

Features & Benefits for this RAKBANK Roadside Assistance Credit Card

  • With the RAKBANK Ras Al Khaima credit card, you get comprehensive roadside assistance that includes - 
    • Towing within the city limits
    • Emergency fuel delivery
    • Flat tyre fixing
    • Mechanical breakdown repair
    • Lockout services 
    • Off-road recovery
    • Battery boost and more
  • Along with a free car service pick up and drop facility, you get complimentary vehicle registration and concierge services across the UAE. 
  • As loyalty benefits, you earn RAKRewards on every credit card purchase, whether local or international.
  • You can enjoy complimentary access to over 10 Marhaba lounges, including free access to over 15 regional and international airport lounges using your Ras Al Khaima credit card. 
  • For travel bookings, you can enjoy up to 30% discount on flight tickets booked through Cleartrip. 
  • To secure your trip, the Ras Al Khaima Platinum credit card comes with multi-trip travel insurance.
  • Using the RAKBANK credit card, you can enjoy up to a 20% discount on the first three travel bookings every month.
  • To help you manage your finances conveniently, the credit card comes with financial features such as easy payment plans, a cash advance facility, up to 55 days of interest-free period and more. 
  • As a RAKBANK Ras Al Khaima credit cardholder, you enjoy a host of travel, lifestyle, entertainment and shopping benefits. 

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Features of RAKBANK Credit Cards with Complimentary Roadside Assitance

RAKBANK improvises its products based on extensive surveys about customers’ financial requirements. RAKBANK credit card features help you deal conveniently with daily finances. Following are the key features of RAKBANK credit cards offering free roadside assistance.

  • Annual Membership Fee - RAKBANK credit cards with free roadside assistance services may include an annual membership fee. The fee depends on the type of credit card you are applying for. RAKBANK credit cards with free roadside assistance have an annual membership fee of up to AED 400. 
  • Salary Requirement - Each RAKBANK credit card with roadside assistance includes salary criteria that you need to satisfy before applying for the card. The salary requirement may range between AED 5,000 and 20,000, depending on the credit card.
  • Complimentary Roadside Assistance - The RAKBANK credit card comes with complimentary roadside assistance offered by Derby Auto Assists across the UAE. Along with the assistance, you get a comprehensive vehicle concierge service such as car registration, servicing, airport transfers and an international driving license at a discounted rate. 
  • Cashbacks and Rewards - Every RAKBANK credit card is loaded with an exclusive loyalty program and fetches you rewards and cashback on each credit card expense. You are entitled to earn rewards on every local and international spending. 
  • Purchase Protection - For extensive security of your purchased products, the RAKBANK credit card comes with a purchase protection feature that offers you security against loss, theft, breakdown or damage caused to the items. 
  • Free Supplementary Cards - You can extend your credit card services to your family without any additional charges. The bank offers free supplementary credit cards to your loved ones on your behalf. 
  • Interest-Free Days - RAKBANK has one of the longest grace periods of up to 55 days. If you pay your outstanding balance in full within the interest-free period, the bank does not charge any interest.
  • Airport Lounge Access - As a part of your travel benefits, you get complimentary airport lounge access at major regional and international airports. Before accessing the lounges, you need to do a one-time registration with the service providers such as LoungeKey or Veloce. 
  • Exclusive offers on Travel and Hotel Bookings - With the RAKBANK credit cards, you get attractive discounts on travel and hotel bookings. On hotel reservations with Booking.com, you get up to 10% discount and up to 30% off on travel bookings via Cleartrip. 
  • Easy Payment Plans - Using the easy payment plan, you can convert your expensive purchases into easy installments at as low as 0% interest rate and repay the outstanding amount in flexible tenures of 3, 6, 9, or 12 months. 

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Benefits of RAKBANK Credit Cards with Roadside Assistance

RAKBANK designs its credit cards by focusing on individuals’ financial requirements. Along with various roadside assistance services, you can also enjoy exclusive discounts on shopping, travelling and lifestyle expenses.

  • With a RAKBANK credit card, you can avail yourself of various roadside assistance services provided by Derby Auto Assist and IMC. 
  • The roadside assistance includes the following services for the vehicle registered under the cardholder’s name: 
    • Towing service to the nearest garage
    • Mechanical repair services
    • Battery boost
    • Flat tyre fixing or changing with the spare one 
    • Emergency fuel services
    • Lockout services
    • Off-road recovery services and more
  • For every expense, whether local or international, you earn cashback and rewards with exclusive loyalty program access. 
  • Using the RAKBANK credit card, you can enjoy 50% discounts on cinema tickets every month or get two tickets for the price of one. 
  • The credit cards also come with online utility bill payments that you can use for paying government, water, telecom and electricity bills. Additionally, you get 0.25% cashback on using the online bill payment facility. 
  • With the RAKBANK credit cards, you can also avail yourself of unlimited access to airport lounges at regional and international airports. 
  • The credit card comes with exclusive access to Buy 1 Get 1 offers on dining, entertainment and cafe expenses across the Middle East and Africa.
  • With RAKFoodie, you get up to 30% discount at over 2,000 restaurants across the UAE. 
  • Using the RAKBANK credit card, you get attractive travel discounts on Cleartrip and Booking.com. 
  • You can conveniently manage your expenses with various financial features such as interest-free periods, easy payment plans, low finance charges and more. 

Eligibility Criteria for RAKBANK Credit Cards with Roadside Assistance

Prior to a credit card application, you need to ensure you satisfy the eligibility criteria laid down by the bank. Each credit card has its own set of criteria to be fulfilled. Following are the common requirements of RAKBANK credit cards with complimentary roadside assistance.

  • Income Requirements - Depending on the type of card, you need to satisfy the salary requirements. Most reward credit cards with complimentary roadside assistance have salary criteria between AED 5,000 and 20,000.
  •  Age - In order to apply for a RAKBANK credit card with complimentary roadside assistance, you must be 21 years old or above. Depending on the bank’s requirements and your profession, you may need to satisfy the upper age limit. 
  • Residency/Nationality - You need to ensure you fulfil the residency/nationality requirements before applying for a credit card. While most RAKBANK credit cards are available to UAE nationals and residents, an ex-pat needs to verify his eligibility before applying for the credit card.  
  • Credit Score - To acquire a RAKBANK credit card with free roadside assistance, you need to maintain a healthy credit score and history. The bank checks your creditworthiness through your credit history before approving the credit card application. 

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Documents Required for RAKBANK Credit Cards with Roadside Assistance

Once you have ensured your eligibility, you need to produce a few documents supporting your identity, financial situation and residency. Following is the set of documents you need for the RAKBANK credit card application. 

  • A valid passport in original and a copy for record
  • A valid Emirates ID for UAE nationals and residents
  • Utility bills, rent or lease agreement for the proof of residence
  • Bank account statements of the last 6 months
  • Income certificate or latest salary slip issued by the present employer (not older than a month)

Note - Since the documents are subject to personal finances, income and employment status, the bank may ask for additional documents during the credit card application. 

How to Apply for a RAKBANK Credit Card with Complimentary Roadside Assistance?

RAKBANK accepts applications through various online and offline modes. You can choose the online mode to apply from anywhere and anytime without having to visit the bank in person. Additionally, you can also apply by visiting the nearest branch at your ease. 

  •  Online Applications - For an online application, you need to visit the bank’s web portal and navigate to the credit card section. Later, you need to select the RAKBANK credit card offering complimentary roadside assistance and fill in an online application form for a credit card. The online form consists of your contact and personal details such as name, address, email ID, mobile number, etc. Once you submit your application form, the bank will contact you for the further application process.
  • Offline Applications - To apply offline, you need to visit the bank in person with all the required documents. Subsequently, choose the RAKBANK credit card that suits your requirements and fill in an offline application form. Later, attach all the documents and submit them to the bank’s representative. After approval, the bank will deliver the credit card to your registered address.
  • Application through Phone - You can use the IVR service or reach out to the bank’s customer support team to apply for a RAKBANK credit card. The team will guide you through the subsequent application process. You can visit the bank’s official website to retrieve the customer support contact number.
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Charges & Fees on RAKBANK Credit Cards with Complimentary Roadside Assistance

Following is the schedule of charges on various RAKBANK credit cards with complimentary roadside assistance. 

Type of RAKBANK Credit Card

Annual Charges

RAKBANK World Credit Card

No Annual Fee

RAKBANK Air Arabia Credit Card

AED 400

RAKBANK FC Barcelona Credit card

AED 300

RAKBANK High Flyer Credit Card

No Annual Fee

RAKBANK Ras Al Khaima Platinum credit card

No Annual Fee

Other Fees and Charges

Monthly Finance Charges

3.45%

Cash Advance Fee

3% or AED 99 (whichever is higher)

Over Limit Fee

AED 285

Late Payment Fee

AED 230

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Terms & Conditions for Availing of Free Roadside Assistance with RAKBANK Credit Cards

Before availing of the complimentary roadside assistance services, you need to go through the terms and conditions. A few important conditions pertaining to roadside assistance services are as follows:

  • Roadside assistance services are available to light motor vehicles, including 4-wheel drives that do not exceed the weight of 3.5 tons. 
  • The provider company offers the services within the city limits and the same Emirates. 
  • The services are available for breakdowns only on public roads. 
  • For major mechanical breakdowns requiring part replacement and removal, the vehicle owner needs to bear the replacement cost. 
  • The roadside assistance membership is non-transferable. 
  • For vehicle registration, you need to book the service 72 hours in advance.

Frequently Asked Questions 

How can I avail myself of roadside assistance using the RAKBANK credit cards?

In order to avail of the roadside assistance services, you need to contact the service provider at the concierge helpdesk on the numbers mentioned below. 

Derby Auto Assists

04-7047190

IMC

04 - 387 6633

What are the roadside assistance services I can get with RAKBANK credit cards?

 

RAKBANK credit cards with free roadside assistance come with the following vehicle assistance and concierge services. 

  • Towing Service to the nearest garage
  • Mechanical repair services
  • Battery boost
  • Flat tyre fixing or changing with the spare one
  • Emergency fuel services
  • Lockout services
  • Free car registration service
  • Free service pick-up and drop-off
  • Off-road recovery services and more
Do I need to pay for using roadside assistance services if I am a RAKBANK credit cardholder?

As a RAKBANK cardholder, you can enjoy roadside assistance services free of cost. However, if the repair involves the replacement of spare parts, you will need to bear the cost of repair and replacement. Similarly, in the case of vehicle registration, you need to bear the government fees and charges. 

Which is the most affordable RAKBANK credit card with free roadside assistance services?

Considering the various charges and income criteria, the RAKBANK Ras Al Khaima credit card is the most affordable credit card with complimentary roadside assistance.