RAKBANK Titanium Cashback Credit Card: UAE Review
Compare published eligibility, rewards, fees and benefit conditions. Bank terms reviewed 2026-10-22. This is an independent review, not bank approval.
Dirham Score 3.1/570% data coverage · editorial methodHow this score works
- + Published free-for-life annual fee
- + Published cinema benefit
- + Reward limitations disclosed
- − Reward forecast needs further verified terms
- − Perk activation and qualifying conditions apply
Explore all RAKBANK cards and accounts · Conventional credit card · Primary bank sources reviewed 2026-10-22
Personalise this card’s AED value
The same rewards engine powers the comparison directory and personal selector. Start from our AED 10,000 monthly benchmark, then enter your actual category spending. Estimates assume full repayment.
Published renewal fee used; unverified discretionary or relationship waivers are excluded.
Annual rewards are not estimated: wallet versus non-wallet retail and shared caps across lower-earning categories require rules not yet supported by this calculator. The published category facts remain available below. International spending here assumes eligible general retail outside restricted markets; FX charges and lifestyle perks are excluded. Use the detailed rewards calculator for market splits and verified FX deductions. No borrowing costs are included. Negative values remain visible.
Open the detailed personal rewards calculatorSalary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- AED 8,000
- Annual fee
- AED 0
- Bank FX charge
- Confirm with bank
- Monthly interest rate
- 3.65%
- Reward programme
- Cashback
- Salary transfer required
- No published requirement
No annual fee ever.
Cashback or points earning rules, thresholds and caps
Earn 5% on groceries and dining, capped at AED 100 per category a month, after AED 2,000 monthly spend.
Minimum earning gate: See published category rules. Accelerated-rate spending gate: AED 2,000. Monthly reward cap: AED 600. Reward earning delay: 0 modelled months.
| Spend category | Published model rate | Category cap / month | Below-gate rate |
|---|---|---|---|
| Groceries | 5 % cashback | AED 100 | 0 |
| Dining | 5 % cashback | AED 100 | 0 |
| School Fees | 0.25 % cashback | Shared/general conditions | 0 |
| Utilities | 0.25 % cashback | Shared/general conditions | 0 |
| Fuel | 0.25 % cashback | Shared/general conditions | 0 |
First-year AED value and conditional welcome offers
The cash value of this reward programme is not verified. No total reward estimate is presented.
Annual rewards are not estimated: wallet versus non-wallet retail and shared caps across lower-earning categories require rules not yet supported by this calculator. The published category facts remain available below.
Calculate this card using your own monthly spending. The interactive panel below applies current offer dates and exposes the full fee and welcome breakdown.
RAKBANK Titanium Cashback Credit Card
Dirham Score 3.1/570% data coverage · editorial methodHow this score works
- + Published free-for-life annual fee
- + Published cinema benefit
- + Reward limitations disclosed
- − Reward forecast needs further verified terms
- − Perk activation and qualifying conditions apply
No annual fee ever.
View breakdown
Annual rewards are not estimated: wallet versus non-wallet retail and shared caps across lower-earning categories require rules not yet supported by this calculator. The published category facts remain available below.
Calculation assumptionsRewards, fees & important conditions
Read the full RAKBANK Titanium Cashback Credit Card review and fee maths
Earn 5% on groceries and dining, capped at AED 100 per category a month, after AED 2,000 monthly spend.
50% cashback on cinema spending, capped at AED 100 a month, after AED 2,000 total monthly spend. · No complimentary access verified.
Monthly interest rate: 3.65%. Bank FX charge: Confirm with bank.
Annual rewards are not estimated: wallet versus non-wallet retail and shared caps across lower-earning categories require rules not yet supported by this calculator. The published category facts remain available below.
The September 2026 leaflet gives other non-wallet retail spending 1%, capped at AED 100, and wallet spending 2%, capped at AED 100. These caps must not be applied independently to every spending input.
Specified lower-earning categories share an AED 50 monthly cap. Overall cashback is capped at AED 600 a month.
Streaming earns 50% with a separate AED 100 monthly cap. Bank-channel payments earn no rewards.
Official bank source · checked 2026-10-22September2026 cashback leaflet
Official product artwork resized proportionally without cropping, recolouring or changing the depicted card. Image source
Lounge, cinema, valet and golf conditions
- Airport lounges: No complimentary access verified.
- Cinema: 50% cashback on cinema spending, capped at AED 100 a month, after AED 2,000 total monthly spend.
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- The September 2026 leaflet gives other non-wallet retail spending 1%, capped at AED 100, and wallet spending 2%, capped at AED 100. These caps must not be applied independently to every spending input.
- Specified lower-earning categories share an AED 50 monthly cap. Overall cashback is capped at AED 600 a month.
- Streaming earns 50% with a separate AED 100 monthly cap. Bank-channel payments earn no rewards.
Other charges to check in the official tariff
Supplementary card, cash advance and late-payment fees are not consistently verified across this catalogue. They are not assumed to be zero and are excluded from rewards-only estimates. Check the linked bank schedule and key facts statement before borrowing.
How this card compares
These alternatives share its published salary bracket and broad reward type. Values use the same AED 10,000 monthly benchmark, rather than paid placement. Bank-specific approval and exclusions still apply.
ADCB 365 Cashback Credit Card
ADCB · minimum salary AED 5,000
Compare RAKBANK Titanium Cashback Credit Card with ADCB 365 Cashback Credit CardADCB Islamic 365 Cashback Card
ADCB · minimum salary AED 5,000
Compare RAKBANK Titanium Cashback Credit Card with ADCB Islamic 365 Cashback CardCBD Super Saver Visa Signature Credit Card
CBD · minimum salary AED 5,000
Compare RAKBANK Titanium Cashback Credit Card with CBD Super Saver Visa Signature Credit CardOfficial bank sources and application information
- RAKBANK Titanium Cashback Credit Card official product terms
- RAKBANK: Official Titanium page
- RAKBANK: September2026 cashback leaflet
- RAKBANK: Titanium KFS
- RAKBANK Titanium 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.