Introducing the RAKislamic World Credit Card

Embrace ethical banking with RAKBANK's Islamic world credit card. Check for travel benefits, lifestyle privileges and unmatched savings at RAKBANK. Explore now!


Islamic World Credit Card with RAKrewards | RAKBANK

RAKislamic World Credit Card

Terms and Conditions

Eligibility

Turn your RAKrewards into unforgettable travel experiences. Redeem your earned rewards for flights, hotels and travel packages, making your dream vacations more accessible. The RAKislamic World Credit Card helps you create lasting memories with your loved ones through incredible travel opportunities. Enhance your lifestyle by using RAKrewards for dining, entertainment and more. Treat yourself and your loved ones to fine dining experiences, exciting events and exclusive offers by redeeming your earned RAKrewards. The RAKislamic World Credit Card truly enriches your life with unique experiences and unforgettable moments.

My Rewards - Travel Rewards and Lifestyle Experiences

Travel rewards and lifestyle experiences

Introducing the Platinum Credit Card

RAKislamic platinum credit card offers you RAKrewards, and many more rewards and benefits. It comes with the new mastercard contactless tap. Learn at RAKislamic.


RAKislamic Platinum Credit Card Features and Benefits | RAKislamic UAE

RAKislamic Platinum Credit Card

My Rewards - Benefit Cards Container

Each additional card

Make your daily spending more rewarding with the RAKislamic World Credit Card. Earn RAKrewards on daily necessities, shopping, monthly bills and more. Enjoy a special earning rate of 0.35 RAKrewards for every AED 1 spent on select categories, maximising the value of your everyday expenses.

My Rewards - Complimentary Travel 

Everyday earnings

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feature card - RAKrewards on every spend

Get the most out of your purchasing power and earn RAKrewards on your spends! What’s more, with your RAKislamic World Credit Card, you can even fast track your way into earning more points by simply using your card for transactions under the special categories as listed below. 
 
<div class="rak-table">
<table style="width: 100%; border-collapse: collapse;" border="1">
<thead>
<tr>
<th>
&nbsp;
</th>
<th>
Minimum Spent in a month
</th>
<th>
Minimum Spent in a month
</th>
</tr>
<tr>
<th>
Special Categories
</th>
<th>
&gt;= AED 10,000 &lt; AED 15,000
</th>
<th>
&gt;= AED 15,000
</th>
</tr>
</thead>
<tbody>
<tr>
<td width="249">
1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Restaurants
</td>
<td rowspan="5" width="249">
3.75 RAKrewards for spends of AED 1
</td>
<td rowspan="5" width="249">
6.25 RAKrewards for spends of AED 1
</td>
</tr>
<tr>
<td width="249">
2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fitness &amp; Beauty
</td>
</tr>
<tr>
<td width="249">
3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Electronics
</td>
</tr>
<tr>
<td width="249">
4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fashion &amp; Apparel
</td>
</tr>
<tr>
<td width="249">
5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Online Transactions
</td>
</tr>
<tr>
<td width="249">
Max rewards cap
</td>
<td width="249">
37,500 RAKrewards
</td>
<td width="249">
80,000 RAKrewards
</td>
</tr>
</tbody>
</table>
 
With your RAKislamic World Credit Card, shopping while travelling is even more rewarding.Use your card for international transactions and earn up to 6.25 RAKrewards for every AED 1 you spend!
 
<table style="width: 100%; border-collapse: collapse;" border="1">
<thead>
<tr>
<th>
&nbsp;
</th>
<th>
Domestic Transactions
</th>
<th>
International Transactions
</th>
</tr>
<tr>
<th>
Spend Tiers
</th>
<th>
RAKrewards on spends/month per AED 1
</th>
<th>
RAKrewards on spends/month per AED 1
</th>
</tr>
</thead>
<tbody>
<tr>
<td width="234">
Up to AED 14,999
</td>
<td width="234">
1.25
</td>
<td width="234">
3.75
</td>
</tr>
<tr>
<td width="234">
AED 15,000 &ndash; AED 29,999
</td>
<td width="234">
2.5
</td>
<td width="234">
5
</td>
</tr>
<tr>
<td width="234">
AED 30,000 &amp; above
</td>
<td width="234">
3.75
</td>
<td width="234">
6.25 &nbsp;
</td>
</tr>
<tr>
<td width="234">
Reward CAP in month (statement cycle)
</td>
<td width="234">
187,500
</td>
<td width="234">
312,500
</td>
</tr>
</tbody>
</table>
</div>

Notes: 
Transactions made through any of the banking channels i.e. IVR, Internet Banking, Mobile, CDMs, ATM’s, Branches or any other RAKBANK payment channels will not be eligible for RAKrewards. 
Domestic and international transactions under the category of Charities, Government Services, Bill Payments, Schools, Education, Transits, Transport, Telecommunication, Real Estate, Petrol/Gas stations, will earn 0.35 RAKrewards for every AED 1 spent.

RAKrewards on every spend

Scan the QR code to download the app from the Apple App Store

Download the RAKBANK Mobile app!

Discover the RAKBANK App and enjoy cutting-edge Digital Banking services at your fingertips. Seamlessly manage your accounts, conduct secure transactions, and enjoy a range of innovative features – all in one user-friendly platform.

Scan the QR code to download the app from the Google Play Store

Standard Current Account - RakMobile

Bank on the go anytime, anywhere

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Card Features

The RAKislamic World Credit Card offers you a world of rewards, privileges and benefits, every day. Expect RAKrewards, travel benefits, lifestyle privileges and unmatched savings.

The credit card that keeps on giving

Monthly installment amount

Travel - Travel, Lounge, and Transport Perks

Travel, lounge and transport perks

 Rewards reduced for certain merchant categories

Rewards earning is reduced for certain merchant categories. Please refer to our website for more details. Transactions made through any of RAKBANK's banking channels such as IVR, Internet Banking, Mobile, CDMs, ATMs, branches or any other RAKBANK payment 

feature card - Cash Advance

In case of emergencies or unexpected expenses, access cash instantly with the RAKislamic World Credit Card. Get cash advance of up to 80% of your credit limit, ensuring you have financial support when you need it most.

Cash advance

First year: No annual fee

First year: No annual fee. Subsequent years: Free upon spending AED 50,000 in the previous year

Use our branch and ATM machine locator to find the nearest RAKBANK facility to you within the Middle East, in just a few clicks. Timings are available too.


RAKBANK Branches And ATM Machines Near Me In UAE |RAKBANK UAE

Branches & ATMs

Fees

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Simplified utility payments through Digital Banking

feature card - Seamless Bill Payments

Paying your credit card bills has never been easier. 
With the RAKislamic World Credit Card, you can make bill payments at any RAKBANK ATM, EDM or partner exchange outlets. Additionally, make utility payments effortlessly through our Digital Banking platform.

Seamless bill payments

Travel

Eligibility & Fees

Step into a world of benefits

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Supplementary cards free for the first year

From second year 

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AED 50,000-above

Minimum monthly salary / income AED 20,000

Min monthly salary/income AED 20,000

Personal - Apply From RakMobile

Download the RAKBANK App and apply instantly

Apply through the RAKBANK App

Annual fee

Profit per month: 3.65%

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Maximise your rewards with focused spending

feature card - Exclusive Rewards and Privileges

Boost your RAKrewards earning potential by spending in select categories like charities, government services, bill payments, schools, education, transits, transport, telecommunications, real estate, petrol / gas stations, and more. For every AED 1 spent in these categories, earn 0.35 RAKrewards and make your spending even more rewarding.

Earn extra RAKrewards on select categories

Earn extra RAKrewards 

Key Fact Statement

Service & Price Guide

Terms & Conditions

Murabaha Agreement

Takaful Credit Shield Policy

Offer Terms and Conditions

Relevant Links

&nbsp;Key Terms and Conditions
<ul>
<li> The Bank may amend the features, fees, charges, terms and conditions of the Credit Card with 60 days&rsquo; notice to you in advance.</li>
<li> The Bank may amend the profit rates for the Credit Card with 30 days&rsquo; notice to you in advance.</li>
</ul>
&nbsp;
Warnings
<ul>
<li> If you are late in payment or fail to make the applicable payments on the due date, you will&nbsp; pay a late payment donation at the amount described below.</li>
<li> If you make only the minimum payments during each billing period, it will take you longer to pay off your outstanding balance.</li>
<li>&nbsp;If you fail to make a payment or otherwise breach the Credit Card terms, this will be a default and the Bank will be entitled, among other things, to:</li>
</ul>
(a) cancel the Credit Card and demand full payment immediately;
(b) report the default to the appropriate regulatory authorities and other credit rating agencies, which will affect your credit rating;&nbsp;
(c) Bring legal proceedings against you. 
Risks and Limitations
<ul>
<li> 5% tolerance allowed over and above the Credit Card limit to approve the transaction - any transaction in excess of the Credit Card limit will attract upgrade fee.</li>
<li> Cash withdrawals are permitted only up to 80% of the Credit Card limit.</li>
<li> Balance transfer is permitted up to 95% of available balance.</li>
<li> Smart cash is permitted up to 80% of the Credit Card limit or 95% of the available balance (whichever is lower).</li>
<li> Credit Card Cheque is permitted up to 80% of the Credit Card limit or 95% of the available balance (whichever is lower).</li>
</ul>
These services are offered subject to approval of the Bank.
&nbsp;
Customer Obligations
<ul>
<li> Customer must disclose their income accurately, provide valid identity and employment details and evidence them with authentic documents.</li>
<li> Customer is obligated to make monthly payments due under the Credit Card as per due date to avoid donation amount &amp; finance charges.</li>
</ul>

Key Terms & Conditions

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*if minimum spend of AED 50,000 (excluding RAKMoneyTransfer transactions) is not achieved in the previous year
&nbsp;
For full details of fees and charges, please refer to our <a href="/globalassets/rakbank/all-pdfs/002---islamic---service-and-price-guides/bilingual/013-j00686-sp-vat-consumercreditcard-islamic-en.pdf?MOD=AJPERES&amp;CVID=olN.FZC" target="_blank" rel="noopener">Service and Pri</a><a href="https://rakbank.ae/wps/wcm/connect/abde3594-5bf4-41cc-8146-cbfce66028a9/012-J00686-S%26P-VAT-ConsumerCreditCard-221212.pdf?MOD=AJPERES&amp;CVID=olN.FZC">ce Guide</a><a href="https://rakbank.ae/wps/wcm/connect/abde3594-5bf4-41cc-8146-cbfce66028a9/012-J00686-S%26P-VAT-ConsumerCreditCard-221212.pdf?MOD=AJPERES&amp;CVID=olN.FZC">.</a>

Help Card

Islamic World - Payments

Credit Card Payment

For every AED 1 spent, earn up to 6.25 RAKrewards

For every AED 1 spent in these categories, earn 6.25 RAKrewards

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My Rewards

AED 5,000-19,999

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AED 20,000-49,999

Terms and Conditions Notification

Important Information

Upgrade your airport experience with the world-class airport lounge access program - Mastercard Travel Pass, and enjoy complimentary access to over 550 luxurious lounges across the globe. With this exclusive benefit, you can relax and unwind in style before your flight, without worrying about any additional charges. Say goodbye to the hassle of carrying a physical card - simply download the &ldquo;Mastercard Travel Pass&rdquo; app and effortlessly generate a QR code or membership number to present to the lounge receptionist for instant access. Plus, with the Mastercard Travel Pass app, you can easily check for participating lounges nearby and quickly determine your eligibility for complimentary access. Take advantage of this unparalleled offer and elevate your travel experience to the next level with Mastercard Travel Pass - the ultimate airport lounge access program.

Travel - Complimentary Lounge Access Worldwide

Complimentary lounge access worldwide

<ul>
<li>Minimum 21 years&nbsp;</li>
</ul>

Experience stress-free travel with complimentary airport transfers.
Book your ride with Careem and have your own personal driver take you to the airport. Choose the car type that suits your taste, book on the spot or schedule for a later pickup and enjoy the comfort of your ride. Travel across countries in the Middle East &amp; enjoy 2 complimentary airport rides per year.
Use promo code : MAUAE2
<a title="FAQs" href="/globalassets/rakbank/all-pdfs/001---campaign/faq---careem---airport-transfers.pdf" target="_blank" rel="noopener">Click here</a> for FAQs.
Validity: 30 June 2025

World Credit card - BenefitCardItem -  complimentary airport transfers

2 complimentary airport rides per year with Careem

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RAKIslamic Credit Card - Call me back option

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Fast track your way into earning up to 80,000 RAKrewards monthly for transactions under the special categories such as restaurants, electronics, online and more.

Fast track your way into earning up to 80,000 RAKrewards 

Travel - Benefit Cards Container

From second year

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Access Money Transfer service through Digital Banking

Access RAKMoneyTransfer service through Digital Banking (RMT amount considered as retail transaction: AED 7,500)

Cross Sell

My Rewards - Mastercard For You App

Features & Benefits

Not sure about something? Check our frequently asked questions to find what you’re looking for.

FAQ’s Help Card - Islamic

FAQs

<ul>
<li style="font-weight: 400;" aria-level="1">Minimum monthly salary of AED 20,000</li>
<li style="font-weight: 400;" aria-level="1">Self-employed persons must have a quarterly credit turnover of AED 500,000</li>
<li style="font-weight: 400;" aria-level="1">Provide a security cheque for the value of the credit card limit</li>
</ul>

Other Requirements

feature card - Free Supplementary Card

Share the amazing benefits and privileges of the RAKislamic World Credit Card with your loved ones. Get a free supplementary card and let your family members enjoy the same rewards, security and convenience that you do. 
*Free for the 1st year, then an annual fee of AED 200 will apply from 2nd year onwards

Free supplementary card

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<ol>
<li>Your Emirates ID</li>
<li>Your Passport with valid residency visa</li>
<li>Any of the following proof of income</li>
</ol>
<ul>
<li>Salary Certificate</li>
<li>Bank Statements</li>
<li>Payslips</li>
<li>Labour Contract</li>
</ul>

Visit A Branch

A specialist will be able to assist you with the process

Visit a branch

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feature card - Advanced Chip & PIN Features

Your RAKislamic World Credit Card is equipped with advanced security features, ensuring your transactions remain protected. Enjoy 3D Secure for safe online transactions, Chip & PIN technology for added security, and receive SMS alerts for every card transaction, allowing you to keep better track of your expenses.

Card Features

The credit card that keeps on giving

Eligibility & Fees

Step into a world of benefits

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We’re here to help

Bank on the go anytime, anywhere

Card Features

The credit card that keeps on giving

RAKrewards on every spend

Advanced security features

Seamless bill payments

Free supplementary card

Cash advance

Earn extra RAKrewards

Eligibility & Fees

Step into a world of benefits

Explore other products

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We’re here to help

Bank on the go anytime, anywhere