RAKBANK · UAE CARD REVIEW

RAKBANK World Cashback 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 20,000

Annual fee

AED 997.5

Bank FX charge

2.57%; scheme fees may apply

Monthly interest rate

3.65%

Reward programme

Cashback

Salary transfer required

No published requirement

Cashback or points earning rules, thresholds and caps

Base earning: 0 % cashback.

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: 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.

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

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

Min. salary: AED 20,000

Cinema perksLounge access

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 assumptions

View bank offer Add to compareCard details & offers

Rewards, fees & important conditions

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 2026-10-18

Official product page

Current 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 bonus

Issuer 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

RAKBANK

RAKBANK World Cashback Credit Card

Regular welcome offer

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.

Qualifying welcome value: AED 0.

Promotional sign-up booster

AED 750 digital welcome bonus

Issuer 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

Fees, rewards & eligibility

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 2026-10-18

Official product page

Current 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

Lounge, cinema, valet and golf conditions

• Airport lounges: 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.
• Cinema: 50% off selected VOX screenings, up to four tickets per card per month; partner terms apply.
• Valet: No published benefit verified
• Golf: No published benefit verified

Exclusions and important product notes

• 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 sources and application information

• RAKBANK World Cashback Credit Card official product terms
• RAKBANK: Official product page
• RAKBANK: Current card comparison: salary and fee waiver
• RAKBANK: VAT-inclusive service and price guide
• RAKBANK World Cashback 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.