No. It's issued exclusively to UAE (Emirati) nationals who meet the salary or self-employed turnover requirement.
RAKislamic Watani Credit Card
Sharia-compliant rewards card for UAE nationals — up to 5 RAKrewards per AED 1, unlimited lounge access, and toll/streaming cashback.
≈ AED 19,304 potential value / year · incl. perks · incl. welcome bonus
Welcome offer
50,000 RAKrewards Welcome Bonus
on AED 10,000 minimum spend within the first 3 statement cycles.
Earn 50,000 RAKrewards after spending AED 10,000 within the first 3 statement cycles from card issuance.
See full breakdownExtra 500 RAKrewards (Limited-Time)
Additional 500 RAKrewards via the RAKBANK app, 20 July – 15 September 2026.
Limited time · valid till 15 Sep 2026RAKBANK's promotional communication (20 July – 15 September 2026) offers an additional 500 RAKrewards through the RAKBANK app. Published terms don't detail whether this stacks on top of, or is part of, the standard 50,000-point welcome bonus.
See full breakdownRewards
5RAKrewards
per AED 1 on international transactions.
Earn 5 RAKrewards for every AED 1 spent outside the UAE. Spend settled in European Economic Area currencies earns a reduced 0.5 RAKrewards per AED 1 instead.
3RAKrewards
per AED 1 on domestic transactions.
Earn 3 RAKrewards for every AED 1 spent within the UAE, outside the reduced-rate categories below.
0.6RAKrewards
per AED 1 on supermarket and Takaful (insurance) spend.
Supermarket and hypermarket purchases, plus Takaful (Sharia-compliant insurance) premiums, earn a reduced 0.6 RAKrewards per AED 1.
0.4RAKrewards
per AED 1 on government, bills, transit, education, real estate, fuel, automotive and charity spend.
Government services, utility and telecom bills, transit and toll spend, school fees, real estate, fuel, automotive purchases, exchange houses and charitable donations earn a reduced 0.4 RAKrewards per AED 1.
Rewards Calculator
Eligibility
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
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.
August 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.
EMIRATES NBD
ENBD noon One Visa Credit Card
Salary: AED 5,000+
No Annual Fee
Welcome Bonus: AED 500 when you spend AED 5,000 in the first two months
Get 20% back as noon credits when you spend on noon food
Get 5% back as noon credits when you spend on noon
EMIRATES NBD
ENBD Voyager World Credit Card
Salary: AED 12,000+
75,000 Miles after AED 35,000 spend
No Annual Fee
6 Voyager Miles on every AED spent on Voyager Travel Portal
3 Voyager Miles on every AED spent on other travel bookings
EMIRATES NBD
ENBD Voyager World Elite Credit Card
Salary: AED 25,000+
150,000 Miles after AED 70,000 spend
No Annual Fee for the first year
12 Voyager Miles on every AED spent on Voyager Travel Portal
6 Voyager Miles on every AED spent on other travel bookings
Additional Benefits
Global Airport Lounge Access
Unlimited complimentary access to airport lounges worldwide.
RAKBANK advertises unlimited airport lounge access on this card. The specific lounge network and any per-visit or annual limits are not disclosed in the published Key Facts Statement.
See full breakdownAirport Transfer Service
2 complimentary pick-up or drop-off transfers per year within the UAE.
2 complimentary airport pick-up or drop-off transfers per year, valid within the UAE only.
Salik & Darb Toll Cashback
100% cashback on Salik and Darb tolls, up to AED 200 per month.
100% cashback on Salik and Darb toll charges made via specific apps, capped at AED 200 per month, when monthly card spend reaches AED 10,000. Stacks with RAKrewards earned on the same spend. Auto-credited by the 7th of the following month.
Video Streaming Cashback
100% cashback on video streaming subscriptions, up to AED 100 per month.
100% cashback on eligible video streaming subscriptions (MCC 4899, 5968), capped at AED 100/month, when monthly spend reaches AED 10,000. Stacks with RAKrewards; auto-credited by the 7th of the following month.
Playtomic Premium
6 months of complimentary Playtomic Premium, plus a first-booking discount up to AED 100.
6 months of complimentary Playtomic Premium subscription. An additional discount on your first Playtomic court booking, capped at AED 100, requires a promo code and payment with this card.
Balance Transfer
Transfer up to 95% of your available balance from other cards.
Transfer balances from other credit cards up to 95% of the available credit limit. An early settlement fee of AED 261.45 applies if the transfer is repaid before the agreed term.
Smart Cash / Credit Card Cheque
Cash cheque up to 80% of your credit limit or 95% of available balance, whichever is lower.
Request a Smart Cash or credit card cheque up to 80% of your credit limit, or 95% of your available balance — whichever is lower.
5-Day Cooling-Off Period
Cancel the card without fees within 5 business days of issuance.
Cancel the card free of charge within 5 business days of issuance, provided it has not yet been activated.
Fees
1,048.95AED
Annual Fee
Waived permanently for applications submitted 2023–31 December 2026 (primary card only); otherwise waived the following year with AED 120,000+ annual spend.
313.95AED
Supplementary Card
First supplementary card free; AED 313.95 per year for each additional card (2nd–9th).
2.75%
Monthly Profit Rate
2.75% monthly reducing balance on a Murabaha contract, equivalent to 33% per annum.
Late Payment FeeAED 156.45*
*Charged per delayed payment; collected as a charitable donation to keep the card Sharia-compliant.
Cash Advance Fee3.15%*
*3.15% of the amount or AED 103.95, whichever is higher. Cash withdrawals capped at 80% of the credit limit.
Over-Limit FeeAED 262.5
International Transaction Fee (non-AED)1.15%
Card Replacement (Digital)AED 52.5
Card Replacement (Other)AED 78.75
Easy Payment Plan (3–6mo)AED 51.45*
*Flat processing fee for 3 to 6 month instalment plans.
Easy Payment Plan (9mo)1.58%
Easy Payment Plan (12mo)2.1%
International RemittanceAED 78.75
Balance Transfer Early SettlementAED 261.45
Frequently Asked Questions
Get answers to common questions about RAKislamic Watani Credit Card credit card
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