RAKBANK · UAE CARD REVIEW

RAKBANK Air Arabia Platinum Credit Card: UAE Review

Compare published eligibility, rewards, fees and benefit conditions. Bank terms reviewed 2026-10-18. This is an independent review, not bank approval.

Salary eligibility, annual fees and borrowing charges

Minimum monthly salary

AED 5,000

Annual fee

AED 420

Bank FX charge

2.57%; scheme fees may apply

Monthly interest rate

3.65%

Reward programme

AirRewards

Salary transfer required

No published requirement

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.

Cashback or points earning rules, thresholds and caps

Base earning: 0 points per AED.

Monthly spend gate: See issuer conditions. Monthly reward cap: See specific categories and issuer terms. Reward earning delay: 0 modelled months.

First-year AED value and conditional welcome offers

The cash value of this reward programme is not verified. No total reward estimate is presented.

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.

Calculate this card using your own monthly spending. The interactive panel below applies current offer dates and exposes the full fee and welcome breakdown.

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

Min. salary: AED 5,000

Cinema perksLounge access

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 assumptions

View bank offer Add to compareCard details & offers

Rewards, fees & important conditions

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 2026-10-18

Official product page

Air Arabia card KFS

VAT-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

RAKBANK

RAKBANK Air Arabia Platinum Credit Card

Regular welcome offer

Qualifying welcome value: AED 0.

Fees, rewards & eligibility

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 2026-10-18

Official product page

Air Arabia card KFS

VAT-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

Lounge, cinema, valet and golf conditions

• Airport lounges: Mastercard lounge programme at selected 20+ lounges; confirm the participating lounges, visit allowance and eligibility before travelling.
• Cinema: 50% off selected VOX screenings, up to two tickets per card per month; partner terms apply.
• Valet: No published benefit verified
• Golf: No published benefit verified

Exclusions and important product notes

• 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 sources and application information

• RAKBANK Air Arabia Platinum Credit Card official product terms
• RAKBANK: Official product page
• RAKBANK: Air Arabia card KFS
• RAKBANK: VAT-inclusive service and price guide
• RAKBANK: Current salary and annual-fee comparison
• RAKBANK Air Arabia Platinum Credit Card official artwork source

Eligibility is subject to the bank’s full assessment. Figures are a source-reviewed snapshot. Confirm current terms before applying. Read the reward calculation and Dirham Score methodology.