RAKBANK Islamic Credit Cards
Compare Platinum, Watani and World by eligibility, RAKrewards and travel benefits.
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What to consider
RAKislamic Platinum, Watani and World all earn RAKrewards under separate card terms. Platinum is the entry choice, with no annual fee and an AED 5,000 monthly salary requirement. Watani is available to UAE nationals and has its own toll and lifestyle benefits. World has a different rewards structure and travel privileges. Compare eligibility, fees and the benefits you expect to use before choosing.
Check eligibility first
Platinum has an AED 5,000 salary threshold, Watani is reserved for UAE nationals, and World has a higher salary requirement. Review each card's eligibility before comparing rewards.
Compare rewards and privileges
All three cards earn RAKrewards under different rules. Check their spending categories and redemption terms, then consider the travel and lifestyle conditions on Watani and World.
RAKBANK Islamic cards compared
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
 | Free | AED 5,000 | No annual fee, AED 5,000 salary threshold and RAKrewards on eligible purchases |
 | Free | AED 15,000 | UAE nationals only, with RAKrewards and toll and lifestyle benefits |
 | Free | AED 20,000 | RAKrewards and travel privileges with separate spending rules |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| Free | AED 5,000 | No annual fee, AED 5,000 salary threshold and RAKrewards on eligible purchases |
| Free | AED 15,000 | UAE nationals only, with RAKrewards and toll and lifestyle benefits |
| Free | AED 20,000 | RAKrewards and travel privileges with separate spending rules |
Rakbank Islamic Platinum Credit Card
Annual feeFree
Min. salaryAED 5,000
HighlightNo annual fee, AED 5,000 salary threshold and RAKrewards on eligible purchases
Rakbank Islamic Watani Credit Card
Annual feeFree
Min. salaryAED 15,000
HighlightUAE nationals only, with RAKrewards and toll and lifestyle benefits
Rakbank Islamic World Credit Card
Annual feeFree
Min. salaryAED 20,000
HighlightRAKrewards and travel privileges with separate spending rules
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.
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
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
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
Choose an Islamic card by eligibility and use
1.
Platinum for a lower salary threshold
Platinum has no annual fee and requires AED 5,000 in monthly salary. It earns RAKrewards on eligible purchases under its own card terms.
2.
Watani for eligible UAE nationals
Watani combines RAKrewards with toll and lifestyle benefits. Check the conditions for each benefit against your regular spending.
3.
World for rewards and travel
RAKIslamic World earns RAKrewards and includes travel privileges. Its earn rates and benefit conditions differ from Watani's.
3 cards in the UAE
RAKBANK
IslamicRakbank Islamic Platinum Credit Card
- Salary: AED 5,000+
- No Annual Fee
- Earn RAKrewards
- Travel Takaful
- Purchase protection
RAKBANK
IslamicRakbank Islamic Watani Credit Card
- Salary: AED 15,000+
- No Annual Fee First Year
- Exclusive for UAE nationals
- 50,000 RAKrewards Bonus
- 100% Cashback on Salik + DARB
RAKBANK
IslamicRakbank Islamic World Credit Card
- Salary: AED 20,000+
- No Annual Fee
- RAKrewards on Every Spend
- Cash Advance: Up to 80% of the credit limit
- Free Supplementary Card
Eligibility criteria
General requirements for credit card applications in the UAE. Exact thresholds vary by bank and card tier.
| Minimum age | 21 years |
| Monthly salary | AED 5,000–20,000 |
| Employment | Salaried employees or self-employed professionals |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | AECB credit score is checked; a clean record strengthens approval |
| Minimum age | 21 years |
| Monthly salary | AED 5,000–20,000 |
| Employment | Salaried employees or self-employed professionals |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | AECB credit score is checked; a clean record strengthens approval |
Always confirm the latest eligibility details with the issuing bank before applying.
Documents you will need
Prepare these before you start an application. Some banks accept digital uploads; others require originals at a branch.
UAE nationals
1.Emirates ID
2.Khulasat Al Qaid (Family Book)
3.Salary certificate (less than 30 days old)
4.Bank statements — last 3 months
5.Passport copy
Expats & residents
1.Emirates ID
2.Valid passport with residence visa page
3.Salary certificate or employment letter
4.Bank statements — last 3 months
5.Proof of address (utility bill or tenancy contract)
The final list of required documents may differ based on the bank and card. Self-employed applicants may also need a trade licence and audited financial statements.
Frequently asked questions
Common questions about RAKBANK Islamic Credit Cards in the UAE
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