Current Account
Everyday account; separate October salary reward
Published salary minimum: Confirm with bank
Account source reviewed 2026-10-22.
RAKBANK UAE Credit Cards and Bank Accounts
Explore 3 current card products and 1 accounts in our source-reviewed catalogue. Issuer approval, relationship requirements and current campaign terms apply. No bank pays for its position here.
RAKBANK accounts and salary options
All values in AED No paid rankings Conventional & Islamic Terms snapshot 18 Oct · catalogue reviewed 19 Oct 2026
THE UAE REWARDS DIRECTORY
UAE Credit Card Comparison
47 current cards · 13 banksSource-reviewed catalogue. Dated promotions expire automatically; bank changes require a fresh source check.
LIMITED-TIME BOOSTAED 750 digital welcome bonusEnds in 13 days · Terms need confirmation
Conventional banking
RAKBANKBANK-SOURCED
RAKBANK World Cashback Credit Card
Dirham Score 3.2/570% data coverage · editorial methodHow this score works
- + Published first-year fee waiver
- + Published airport lounge benefit
- + Reward limitations disclosed
- − Reward forecast needs further verified terms
- − Bank FX charge 2.57%; scheme charges may apply
Annual fee AED 997.5First year waived
VALUE NOT FULLY MODELLED
Not estimated
View breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 0
Fee waiver+ AED 997.5
Joining-fee refund+ AED 0
Annual fee− AED 997.5
Actual modelled netAED 0
Not estimated: World cashback depends on monthly spend bands, category caps and e-wallet payment method; a headline 10% or 3% is not applied to all spend.
Calculation assumptionsRewards, fees & important conditions
Read the full RAKBANK World Cashback Credit Card review and fee maths
50% off selected VOX screenings, up to four tickets per card per month; partner terms apply. · Mastercard Travel Pass: complimentary airport lounge access subject to activation and eligibility. Complete qualifying non-AED spend and register at least 72 hours before travel; confirm the current annual visit allowance.
Monthly interest rate: 3.65%. Bank FX charge: 2.57%.
First-year fee waiver requires AED 100,000 spend within 365 days. Your forecast meets the spend target.
AED 750 digital welcome bonus. The official landing page does not expose the qualifying spend amount and full campaign terms in retrieved content. No promotional amount is included in the forecast.
Not estimated: World cashback depends on monthly spend bands, category caps and e-wallet payment method; a headline 10% or 3% is not applied to all spend.
Linked VAT-inclusive tariff: AED 997.50 from year two, waived after AED 100,000 qualifying prior-year spend; first year free. Cash/remittances and balance transfers do not qualify for that waiver.
Headline travel/hotel cashback capped at AED 400/month; groceries AED 300, dining AED 300, e-wallet other retail AED 150, non-wallet other retail AED 100. The product page requires AED 10,000 total monthly net spend for the accelerated features. Full tier matrix must be confirmed before a forecast is enabled.
FX tariff charge is 2.57% including VAT, plus network processing approximately 1.15%; do not describe 2.57% as the full foreign-currency cost.
Monthly finance rate 3.65%; may rise by 0.5 percentage points when the previous statement is past due.
One 12-month Careem Plus membership for the primary cardholder; pay eligible Careem transactions with this card. Lounge activation uses foreign-currency spend equivalent to USD 1 and recurring eligibility; verify the allowance in Mastercard Travel Pass.
Official bank source · checked 2026-10-18Current card comparison: salary and fee waiver
VAT-inclusive service and price guide
Exact official issuer artwork; retrieved and visually inspected. Card design may change. WebP copy resized without cropping or changing the depicted card. Image source
Promotional sign-up booster
AED 750 digital welcome bonusIssuer headline; qualification remains to be confirmed. Excluded from the forecast.
Ends in 13 days · Apply by 2026-10-31 (UAE date, inclusive)
- The official landing page does not expose the qualifying spend amount and full campaign terms in retrieved content.
Qualifying extra bonus in this forecast: AED 0.
The official landing page does not expose the qualifying spend amount and full campaign terms in retrieved content.
Official offer terms
Conventional banking
RAKBANKBANK-SOURCED
RAKBANK Air Arabia Platinum Credit Card
Dirham Score 3.5/570% data coverage · editorial methodHow this score works
- + Official fees and product sources linked
- + Published airport lounge benefit
- + Reward limitations disclosed
- − Reward forecast needs further verified terms
- − Bank FX charge 2.57%; scheme charges may apply
Annual fee AED 420Conditional first-year waiver
VALUE NOT FULLY MODELLED
Not estimated
View breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 0
Fee waiver+ AED 420
Joining-fee refund+ AED 0
Annual fee− AED 420
Actual modelled netAED 0
Not estimated: AirRewards are not assigned an unverified AED conversion, and the current 20,000-point offer/no-joining-fee headline conflicts with the linked KFS and tariff.
Calculation assumptionsRewards, fees & important conditions
Read the full RAKBANK Air Arabia Platinum Credit Card review and fee maths
Live offer and linked KFS disagree on the first-year fee and welcome points. Confirm the written offer; both welcome rewards and AED reward value remain excluded.
50% off selected VOX screenings, up to two tickets per card per month; partner terms apply. · Mastercard lounge programme at selected 20+ lounges; confirm the participating lounges, visit allowance and eligibility before travelling.
Monthly interest rate: 3.65%. Bank FX charge: 2.57%.
First-year fee waiver requires AED 20,000 spend within 365 days. Your forecast meets the spend target.
Not estimated: AirRewards are not assigned an unverified AED conversion, and the current 20,000-point offer/no-joining-fee headline conflicts with the linked KFS and tariff.
Current page advertises 20,000 AirRewards after AED 5,000 qualifying spend within three months for new-to-bank customers and no joining fee. Government and utility payments are excluded from the offer spend.
Conflict: the linked KFS still states 15,000 joining points, payment of a joining fee and AED 420 first-year annual fee; the linked tariff lists AED 420 joining/annual fee including VAT. Confirm the written application offer. The conservative record retains AED 420 and excludes welcome rewards from the forecast.
From subsequent years, AED 420 is waived after AED 20,000 qualifying prior-year retail spend.
Earn 1.75 AirRewards/AED 5 on AirArabia.com and eligible international retail, 1.25/AED 5 on domestic retail, and 0.30/AED 5 on listed reduced MCCs including school fees, fuel, utilities, telecom and government. Bank-channel transactions are excluded.
Annual return-flight voucher after AED 30,000 qualifying retail spend; taxes payable, UAE-origin travel and voucher conditions apply. AED 20,000 qualifying spend unlocks annual 10 kg baggage and two meal vouchers. These non-cash perks are not treated as guaranteed cash.
FX tariff charge 2.57% including VAT plus network processing approximately 1.15%. Monthly finance rate 3.65%, with a 0.5 percentage-point past-due increase.
Official bank source · checked 2026-10-18VAT-inclusive service and price guide
Current salary and annual-fee comparison
Exact official issuer artwork; retrieved and visually inspected. Card design may change. WebP copy resized without cropping or changing the depicted card. Image source
LIMITED-TIME BOOSTAED 300 digital welcome bonusEnds in 13 days · Terms need confirmation
Conventional banking
RAKBANKBANK-SOURCED
RAKBANK RED Cashback Credit Card
Dirham Score 2.5/5100% data coverage · editorial methodHow this score works
- + Published free-for-life annual fee
- + Published salary criteria
- + Reward limitations disclosed
- − Reward estimate has stated exclusions
- − Bank FX charge 2.57%; scheme charges may apply
Annual fee Free for life
ESTIMATED FIRST-YEAR VALUE
AED 1,275
Partial estimate · see detailsView breakdown
Regular welcome+ AED 0
Promotional booster+ AED 0
Annual rewards+ AED 1,275
Fee waiver+ AED 0
Joining-fee refund+ AED 0
Annual fee− AED 0
Actual modelled netAED 1,275
Models 1% at AED 1,000–2,999 monthly spend, 1.5% at AED 3,000+, 0.25% direct reduced-category spend and AED 300 monthly cap. Bank-channel bills and remittances excluded; redemption requires AED 100 cashback.
Calculation assumptionsRewards, fees & important conditions
Read the full RAKBANK RED Cashback Credit Card review and fee maths
No cinema benefit verified. · No complimentary access verified
Monthly interest rate: 3.65%. Bank FX charge: 2.57%.
AED 300 digital welcome bonus. The official landing page does not expose the qualifying spend amount and full campaign terms in retrieved content. No promotional amount is included in the forecast.
Models 1% at AED 1,000–2,999 monthly spend, 1.5% at AED 3,000+, 0.25% direct reduced-category spend and AED 300 monthly cap. Bank-channel bills and remittances excluded; redemption requires AED 100 cashback.
Free for life. AED 1,000 minimum monthly net spend; 1% standard retail cashback at AED 1,000–2,999 and 1.5% from AED 3,000. AED 300 maximum cashback per billing cycle.
Reduced MCCs earn 0.25%: charities, government, bills, education, transit/transport, telecom, real estate and fuel. RAKBANK-channel payments, cash and remittances earn no rewards.
AED 100 minimum cashback redemption and 15-month reward expiry. Cash-remittance benefit is one qualifying international transfer per month; bank terms and FX rates apply.
Finance 3.65% monthly, with a possible 0.5 percentage-point past-due increase. Foreign transaction charge 2.57% including VAT plus approximately 1.15% network fee.
Official bank source · checked 2026-10-18VAT-inclusive service and price guide
Exact official issuer artwork; retrieved and visually inspected. Card design may change. WebP copy resized without cropping or changing the depicted card. Image source
Promotional sign-up booster
AED 300 digital welcome bonusIssuer headline; qualification remains to be confirmed. Excluded from the forecast.
Ends in 13 days · Apply by 2026-10-31 (UAE date, inclusive)
- The official landing page does not expose the qualifying spend amount and full campaign terms in retrieved content.
Qualifying extra bonus in this forecast: AED 0.
The official landing page does not expose the qualifying spend amount and full campaign terms in retrieved content.
Official offer termsFirst-year value uses AED 10,000 monthly spending across our benchmark categories. Foreign spending assumes eligible non-European general retail and excludes FX charges. Miles use editorial assumptions. See the maths and exclusions.
Read the bank’s terms before applying
The individual reviews link to the issuer’s product pages and available fee schedules. Relationship tiers, employer listing, residence, salary-transfer channels and bureau checks can affect your eligibility independently of a card’s minimum published salary.
Compare salary-transfer commitments and offers