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Rakbank Air Arabia Platinum Credit Card
Joining Fee
AED 420
Annual Fee
AED 420
Minimum Salary
AED 5,000

Rakbank Air Arabia Platinum Credit Card

Earn AirRewards on UAE, international and Air Arabia purchases, plus a yearly return ticket after eligible spend.

Updated Sep 2026

WebsiteVisit Rakbank Air Arabia Platinum Credit Card credit card website

At a glance

Welcome offer

Welcome bonus
15,000 AirRewards Joining Bonus

Top benefits

Annual Air Arabia Return Ticket
Baggage and Meal Vouchers
Careem Airport Transfers
VOX Cinema Tickets
Air Arabia Flight Instalments
See all benefits

Fees and eligibility

Joining Fee
AED 420
Annual Fee
AED 420
Minimum SalaryAED 5,000
Monthly Interest Rate
3.65%
See all fees

Rewards

Per AED 5 spent at AirArabia.com or internationallyAirRewards 1.75
Per AED 5 of eligible UAE retail spendAirRewards 1.25
Per AED 5 in reduced earning categoriesAirRewards 0.3
See all rewards

Welcome offer

15,000 AirRewards Joining Bonus

Pay the joining fee and spend AED 5,000 on eligible retail purchases in the first three months.

The bonus is credited after paying the first-year fee and spending AED 5,000 on retail purchases within three months. Government, utilities, cash advances, transfers, card cheques and Smart Cash do not count.

See full breakdown

Rewards

1.75AirRewards

per AED 5 spent at AirArabia.com or internationally.

Eligible purchases at AirArabia.com and international retail purchases earn 1.75 AirRewards per AED 5.

See full breakdown

1.25AirRewards

per AED 5 of eligible UAE retail spend.

Other eligible domestic retail purchases earn 1.25 AirRewards per AED 5.

See full breakdown

0.3AirRewards

per AED 5 in reduced earning categories.

Charities, government, bills, education, transport, telecom, real estate, fuel, utilities, quasi-cash merchants and vehicles earn 0.30 AirRewards per AED 5. Cash transactions, RAKMoneyTransfer and banking-channel payments earn none.

See full breakdown

My Wallet

Already have the Rakbank Air Arabia Platinum Credit Card?

Add it to your wallet, include any other cards you own, and see exactly where this card should be used.

Open My Wallet

Eligibility

21

Minimum Age

5,000AED

Minimum Income

Self-employed applicants

Maintain AED 50,000 minimum balance and AED 300,000 total credit turnover over six months.

Security cheque

A cheque for the approved card limit is required.

Documents ready

Emirates ID + passport with residence visa

Have your Emirates ID and passport with residence visa on hand — UAE banks require these for any credit card application.

Check your AECB report

Recent rejections or missed payments can stall approval

A recent credit-card rejection or missed payment on your AECB report is one of the most common reasons a UAE card application stalls — worth checking your report before applying if you're unsure.

October Spotlight

Emirates NBD

Three Emirates NBD credit cards spanning everyday rewards to premium travel — the ENBD noon One Visa Card earns up to 20% back as noon Credits on noon Food with no annual fee, the ENBD Voyager World Credit Card earns 6 Voyager Miles per AED 1 on the Voyager Travel Portal with complimentary airport lounge access, and the premium ENBD Voyager World Elite doubles that to 12 Voyager Miles per AED 1 with added airport transfers and fast-track privileges.

See all
ENBD noon One Visa Credit Card Design
4.1/5

EMIRATES NBD

ENBD noon One Visa Credit Card

  • Salary: AED 5,000+
  • No Annual Fee
  • AED 500 bonus on AED 5,000
  • 20% back in credits on noon Food
  • 5% back in credits on noon
ExploreLearn more about ENBD noon One Visa Credit Card credit card benefits and features
ENBD Voyager World Credit Card Design
3.9/5

EMIRATES NBD

ENBD Voyager World Credit Card

  • Salary: AED 12,000+
  • 75,000 Miles on AED 35,000
  • No Annual Fee
  • 6 Miles/AED on Voyager Portal
  • 3 Miles/AED on other travel
ExploreLearn more about ENBD Voyager World Credit Card credit card benefits and features
ENBD Voyager World Elite Credit Card Design

EMIRATES NBD

ENBD Voyager World Elite Credit Card

  • Salary: AED 25,000+
  • 150,000 Miles on AED 70,000
  • No Annual Fee for the first year
  • 12 Miles/AED on Voyager Portal
  • 6 Miles/AED on other travel
ExploreLearn more about ENBD Voyager World Elite Credit Card credit card benefits and features

Additional Benefits

Annual Air Arabia Return Ticket

One return ticket each year after AED 30,000 eligible annual retail spend.

One voucher for a return Air Arabia flight originating from the UAE to an Air Arabia destination. Spend AED 30,000 on eligible retail purchases in the year; government and utility payments do not count. You pay the airport taxes.

See full breakdown

Baggage and Meal Vouchers

10 kg baggage and two meal vouchers each year after AED 20,000 eligible retail spend.

Spend AED 20,000 on eligible retail purchases in a year for 10 kg of additional baggage and two meal vouchers, available once per year. Government and utility payments do not count.

See full breakdown

Careem Airport Transfers

Up to two airport transfers a year, capped at AED 100 per ride.

Primary cardholders can use code RAK100 for up to two airport pick-up or drop-off rides each year. The discount is capped at AED 100 per ride on Comfort, Executive, Max and Kids car types.

See full breakdown

VOX Cinema Tickets

50% off up to two eligible VOX Cinema tickets per month.

Select the Rakbank Air Arabia Platinum offer when booking through the VOX website or app as a signed-in VOX member, then pay with the card. The offer covers up to two eligible tickets per card per month.

See full breakdown

Air Arabia Flight Instalments

Convert eligible Air Arabia flights of AED 500 or more into a 0% plan for up to 12 months.

Air Arabia website ticket purchases of at least AED 500 can be converted to an Easy Payment Plan for up to 12 months at 0% interest and no processing fee. Contact Rakbank to opt in.

See full breakdown

Fees

420AED

Annual Fee

Charged from year one; waived from year two with AED 20,000 eligible retail spend in the previous year

3.65%

Monthly Interest Rate

43.8% annual rate on reducing balance

241.5AED

Late Payment Fee

Per delayed minimum payment

Over-Limit FeeAED 299.25
Cash Advance Fee3.15%*

*3.15% of the advance or AED 105, whichever is higher

Liability Letter FeeAED 52.5*

*Per letter

Cash Product CancellationAED 261.45*

*For cancellation of a cash product on the card

Important Stuff

Key Fact Statement

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Service and Price Guide

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Product Details

Opens in a new tab

Frequently Asked Questions

Get answers to common questions about Rakbank Air Arabia Platinum Credit Card credit card

Eligible AirArabia.com and international purchases earn 1.75 AirRewards per AED 5; other eligible UAE retail purchases earn 1.25 per AED 5. The reduced categories listed in the Key Fact Statement earn 0.30 per AED 5. There is no cap on earning AirRewards.

Pay the first-year fee and spend AED 5,000 on eligible retail purchases within the first three months. Government and utility spending is excluded. The Key Fact Statement sets the bonus at 15,000 AirRewards.

The AED 420 annual fee applies in the first year. From the second year onward, it is waived if you spent AED 20,000 on eligible retail purchases in the previous year.

AirRewards expire 24 months after they are earned. You need at least 3,000 points to redeem them for flights or baggage rewards.

The voucher covers a return Air Arabia flight originating in the UAE to an Air Arabia destination. Government and utility payments do not count toward qualifying spend, and you pay the airport taxes.

Primary cardholders can use code RAK100 for airport pick-up or drop-off rides on Comfort, Executive, Max and Kids car types. The benefit has an annual ride limit and a per-ride discount cap.

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