RAKBANK Premium Credit Cards
Compare RAKBANK premium cards by travel benefits, membership tiers and ongoing fees.
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What to consider
RAKBANK's higher-tier choices do not share one rewards structure. Elevate uses RAKrewards and a membership tier that changes both benefits and cost. World centres on eligible category cashback and adds travel privileges. RAKislamic World offers an Islamic card with its own RAKrewards and travel benefits. Compare annual or membership cost with the rewards and privileges you expect to use, then review the salary requirement and each benefit's eligibility terms.
Put cost beside benefits
An airport or lifestyle privilege only adds value if you qualify for and use it. Compare Elevate's tier cost and World's renewal fee with the benefits relevant to you; RAKislamic World has no annual fee.
Keep reward systems distinct
World cashback and the RAKrewards on Elevate and RAKislamic World redeem differently. Review earn rules and redemption choices rather than comparing points at face value.
RAKBANK premium cards compared
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
 | AED 617.40 (waivable) | AED 35,000 | Tier-based RAKrewards, premium travel privileges and membership cost |
 | AED 997.50 (waivable) | AED 20,000 | Eligible category cashback, travel benefits and a renewal-fee waiver condition |
 | Free | AED 20,000 | Islamic World card with RAKrewards and travel benefits |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 617.40 (waivable) | AED 35,000 | Tier-based RAKrewards, premium travel privileges and membership cost |
| AED 997.50 (waivable) | AED 20,000 | Eligible category cashback, travel benefits and a renewal-fee waiver condition |
| Free | AED 20,000 | Islamic World card with RAKrewards and travel benefits |
Rakbank Elevate Credit Card
Annual feeAED 617.40 (waivable)
Min. salaryAED 35,000
HighlightTier-based RAKrewards, premium travel privileges and membership cost
Rakbank World Credit Card
Annual feeAED 997.50 (waivable)
Min. salaryAED 20,000
HighlightEligible category cashback, travel benefits and a renewal-fee waiver condition
Rakbank Islamic World Credit Card
Annual feeFree
Min. salaryAED 20,000
HighlightIslamic World card with RAKrewards and travel benefits
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 the premium structure that fits
1.
Elevate for tier-based rewards
Prime, Plus and Privilege change the rewards and travel package. Check the tier cost, eligibility and benefits you will actually use.
2.
World for category cashback
World suits eligible spending in its rewarded categories. The monthly spend threshold, category caps and renewal-fee waiver determine its ongoing return.
3.
RAKislamic World for an Islamic option
This card has a separate RAKrewards and travel proposition. Compare its published fees and eligibility with the conventional World card.
3 cards in the UAE
RAKBANK
Rakbank Elevate Credit Card
- Salary: AED 35,000+
- Tier fee from AED 51.45/month
- Up to 4 RAKrewards/AED
- Up to 3.2% travel value
- Privilege: 0% bank FX fee
RAKBANK
Rakbank World Credit Card
- Salary: AED 20,000+
- No Annual Fee First Year
- 10% Cashback on Travel & Hotel Spends
- 10% Cashback on Supermarket Spends
- 10% Cashback on Dining Spends
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 20,000–35,000 |
| 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 20,000–35,000 |
| 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 Premium Credit Cards in the UAE
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