How do the Elevate Prime, Plus and Privilege tiers differ?

Prime, Plus and Privilege earn 2, 3 and 4 RAKrewards per AED 1 on regular eligible spend. They charge AED 51.45, AED 103.95 and AED 299 per month respectively, waived at AED 5,000, AED 10,000 and AED 20,000 monthly spend.

Can the Elevate tier change?

Yes. RAKBANK describes Elevate as one card that can move between Prime, Plus and Privilege monthly. The selected tier controls the earn rate, monthly fee, waiver target and some benefits.

RAKBANK Elevate Credit Card Benefits

Q: Does Elevate really have no foreign transaction fee?

Only Privilege removes RAKBANK's bank FX surcharge. Mastercard's 1.15% processing charge still applies.

Welcome offer

First 3 months of Privilege free

Try Elevate's highest tier before monthly fees begin.

Get the first three months of Elevate Privilege free. Activate the card and review the selected tier in the RAKBANK app; eligibility and bank terms apply.

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Rewards

2RAKBANK Rewards

per AED 1 on eligible spend in Prime.

Prime earns 2 RAKrewards per AED 1 on regular eligible spend. Selected merchant categories earn reduced rates regardless of tier.

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3RAKBANK Rewards

per AED 1 on eligible spend in Plus.

Plus earns 3 RAKrewards per AED 1 on regular eligible spend. Selected merchant categories earn reduced rates regardless of tier.

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4RAKBANK Rewards

per AED 1 on eligible spend in Privilege.

Privilege earns 4 RAKrewards per AED 1 on regular eligible spend. Selected merchant categories earn reduced rates regardless of tier.

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Rewards Calculator

Additional Benefits

Airport lounge access

Access to 1,300+ lounges with one guest.

Make an international purchase of at least USD 1 every three months to maintain complimentary access. Mastercard Travel Pass activation and programme terms apply.

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Airport transfers

6 complimentary transfers per year.

Available across Elevate tiers through the bank's designated booking flow. Geographic limits, advance booking and programme terms apply.

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No bank FX surcharge on Privilege

RAKBANK's foreign-transaction surcharge is 0%.

Privilege removes RAKBANK's bank FX surcharge. Mastercard's 1.15% processing charge still applies.

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Elevate Premium Pass

Beach club, pool and gym access by tier.

Plus includes weekday Viya access and Privilege includes unlimited access. Prime does not include the pass; venue and family-access conditions apply.

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Padel cashback

Up to 4 games and AED 400 per month.

Plus covers up to two games and AED 200 per statement cycle; Privilege covers up to four and AED 400. Prime is not eligible. Each game is capped at AED 100.

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Streaming and Careem Plus

Up to AED 200 streaming cashback plus Careem Plus.

Streaming cashback is capped at AED 50 in Prime, AED 100 in Plus and AED 200 in Privilege per statement cycle. All tiers include Careem Plus.

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Zofeur chauffeured rides

2 complimentary rides per month.

Available in Dubai and Abu Dhabi across all three tiers, capped at AED 80 per ride. Pay with Elevate and use the current monthly promotional code.

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VOX Cinema savings

50% off 4 tickets per month.

Available across all Elevate tiers through the participating booking channel, subject to the monthly allowance and programme terms.