Free
Annual Fee
No annual fee for the primary cardholder, per Rakbank's current Key Facts Statement and fee guide.
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Sharia-compliant rewards card for UAE nationals — up to 5 RAKrewards per AED 1, unlimited lounge access, and toll/streaming cashback.
Updated Sep 2026
| Category | Rate |
|---|---|
International | 4% 5 points per AED |
Grocery, Insurance | 0.48% 0.6 points per AED |
Government, Utilities +6 more | 0.32% 0.4 points per AED |
All other spend | 2.4% 3 points per AED |
| Category | Rate |
|---|---|
International | 4% 5 points per AED |
Grocery, Insurance | 0.48% 0.6 points per AED |
Government, Utilities +6 more | 0.32% 0.4 points per AED |
All other spend | 2.4% 3 points per AED |
50,000 RAKrewards Welcome Bonus
on AED 10,000 minimum spend within the first 3 statement cycles.
5RAKrewards
per AED 1 on international transactions.
3RAKrewards
per AED 1 on domestic transactions.
0.6RAKrewards
per AED 1 on supermarket and Takaful (insurance) spend.
0.4RAKrewards
per AED 1 on government, bills, transit, education, real estate, fuel, automotive and charity spend.
My Wallet
Add it to your wallet, include any other cards you own, and see exactly where this card should be used.
21
Minimum Age
15,000AED
Minimum Income
UAE Nationals Only
This Sharia-compliant card is issued exclusively to UAE (Emirati) nationals.
Self-Employed Alternative
AED 500,000 minimum quarterly credit turnover, or AED 150,000 average quarterly account balance, in place of the salaried income requirement.
Security Cheque Required
A security cheque covering the approved credit limit must be provided before the card is issued.
Documents ready
Emirates ID + passport with residence visa
Check your AECB report
Recent rejections or missed payments can stall approval
November Spotlight
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.
EMIRATES NBD
EMIRATES NBD
EMIRATES NBD
Global Airport Lounge Access
Unlimited complimentary access to 1,200+ lounges via Mastercard Travel Pass.
Airport Transfer Service
2 complimentary pick-up or drop-off transfers per year within the UAE.
Salik & Darb Toll Cashback
100% cashback on Salik and Darb tolls, up to AED 200 per month.
Video Streaming Cashback
100% cashback on video streaming subscriptions, up to AED 100 per month.
Playtomic Premium
6 months of complimentary Playtomic Premium, plus a first-booking discount up to AED 100.
Balance Transfer
Transfer up to 95% of your available balance from other cards.
Smart Cash / Credit Card Cheque
Cash cheque up to 80% of your credit limit or 95% of available balance, whichever is lower.
5-Day Cooling-Off Period
Cancel the card without fees within 5 business days of issuance.
Free
Annual Fee
313.95AED
Supplementary Card
2.75%
Monthly Profit Rate
Get answers to common questions about Rakbank Islamic Watani Credit Card credit card
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