Cashback (any category) only accrues in months where total retail spend reaches AED 10,000. Below that threshold, no cashback is earned that month, though the higher-rate categories and other-retail tiers still apply once the threshold is met.
RAKBANK World Credit Card
Mastercard World cashback card: up to 10% on travel, hotels, supermarkets and dining, plus lounge access and Careem Plus.
Updated Aug 2026
≈ AED 16,751 potential value / year · incl. perks · incl. welcome bonus
Welcome offer
AED 750 Welcome Bonus
New digital applicants who apply 15 Jul-15 Sep 2026 and spend AED 10,000 within 60 days of issuance.
Limited time · valid till 15 Sep 2026Apply for and be issued the card via the RAKBANK digital app, 15 Jul-15 Sep 2026 (new to RAKBANK credit cards), then spend AED 10,000 within 60 days of issuance for an AED 750 cashback, credited within 90 days after the promo ends.
See full breakdownRewards
10%
cashback on travel and hotel bookings, capped at AED 400 a month.
Earn 10% cashback on travel and hotel purchases, capped at AED 400/month. No cashback accrues in any month total retail spend is under AED 10,000.
See full breakdown10%
cashback on supermarket spend, capped at AED 300 a month.
Earn 10% cashback on supermarket purchases, capped at AED 300/month. Travel, supermarket and dining cashback combine to a AED 1,000/month maximum.
See full breakdown10%
cashback on dining spend, capped at AED 300 a month.
Earn 10% cashback on dining purchases, capped at AED 300/month, under the same AED 10,000 monthly retail-spend requirement as the other categories.
See full breakdown3%
cashback on other retail paid via Apple Pay, Samsung Pay or Google Pay, up to AED 150/month.
Retail spend outside the bonus categories earns 3% cashback when paid via a supported mobile wallet, capped at AED 150/month.
See full breakdown1%
cashback on other retail spend, capped at AED 100 a month.
All other retail purchases outside the bonus categories earn 1% cashback, capped at AED 100/month. Standard plus wallet retail cashback combine to AED 250/month max.
See full breakdown0.25%
cashback on government, bills, education, transport, telecom, real estate and fuel spend.
Charities, government services, bills, schools, transit, telecom, real estate and petrol/gas stations earn 0.25% cashback, capped at AED 50/month.
See full breakdownRewards Calculator
Eligibility
21
Minimum Age
20,000AED
Minimum Income
Self-employed alternative
Self-employed applicants need AED 500,000 quarterly credit turnover, or an AED 150,000 average quarterly account balance, instead of the salary requirement.
Security cheque required
A security cheque covering the approved credit limit must be provided before the card is issued.
UAE citizen or resident
Open to UAE citizens and UAE residents who meet the income or self-employed criteria.
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
Airport Lounge Access
Unlimited complimentary access to 1,300+ lounges via Mastercard Travel Pass.
Validate the card, spend USD 1 and enrol at least 72 hours before travel through the Mastercard Travel Pass app; repeat every 3 months for uninterrupted access.
See full breakdownCareem Airport Transfers
2 complimentary Careem airport transfers a year, up to USD 30 each.
2 complimentary Careem airport rides a year within the UAE using promo code MAUAEW2, each capped at USD 30. Excess fare, Hala taxi and Apple Pay bookings are excluded.
See full breakdownCareem Plus Membership
12 months free: 10% cashback on up to 10 rides/month, free Careem Food delivery and more.
Free 12-month Careem Plus for the primary cardholder: 10% cashback on up to 10 rides/month, unlimited free Careem Food/Quik delivery, Buy-1-Get-1 DineOut and 30% off Bike passes. Pay with this card each time to keep the perks.
See full breakdownFlexiroam Global Data Roaming
1GB of complimentary global data roaming a year via Flexiroam, plus 15% off future plans.
1GB of complimentary Flexiroam data roaming each year, valid for 5 days from your chosen start date, plus 15% off additional Flexiroam data plans.
See full breakdownTravel & Medical Insurance
Travel and medical insurance cover up to USD 500,000, plus baggage and trip cover.
Personal accident, medical evacuation and medical-expense cover up to USD 500,000 each, plus baggage loss (USD 3,000), trip cancellation (USD 7,500) and other standard Mastercard World travel cover.
See full breakdownPurchase Protection
Purchase protection against damage, theft or loss on eligible purchases.
Eligible purchases made with the card are covered against damage, theft or loss. RAKBANK has not published a specific coverage limit for this benefit.
See full breakdownVOX Cinemas Discount
50% off VOX Cinemas tickets, any time.
Get 50% off VOX Cinemas movie tickets at any time, across all cinema experiences, subject to the linked terms and conditions.
See full breakdownTalabat Discount
20% off one Talabat food or grocery order a month.
Use promo code MASTERCARD for 20% off one Talabat food or grocery delivery order per month.
See full breakdownIHG Hotels & Resorts Discount
15% off IHG hotels across Europe, the Maldives, India, the Middle East and Africa.
15% off room rates at participating IHG Hotels & Resorts across Europe, the Maldives, India, the Middle East and Africa, plus a complimentary welcome drink and late checkout at select properties.
See full breakdownRentalcars.com Discount
10% off car rental bookings via Rentalcars.com.
Save 10% on car rental bookings made through Rentalcars.com.
See full breakdownFarfetch Discount
10% off selected Farfetch brands on orders of USD 200 or more.
Get 10% off selected Farfetch brands when you spend USD 200 or more on a qualifying order.
See full breakdownMyUS International Shipping
2 years free MyUS Premium membership plus international shipping discounts.
Free 2-year MyUS Premium membership (worth $120) and free account setup ($20), plus 30% off shipping in month 1 and 20% off for the rest of the 2-year term.
See full breakdownFiit Discount
25% off your first Fiit fitness subscription payment.
Get 25% off the first payment when you subscribe to Fiit, the on-demand fitness app.
See full breakdownTravel Insurance Letter
Instant travel insurance letter for visa applications.
Generate a travel insurance letter online instantly, for example when applying for a Schengen visa.
See full breakdownFees
Free
Joining Fee
997.5AED
Annual Fee
Free in year 1 for the primary and first supplementary card. From year 2, AED 997.50 applies unless prior-year card spend reached AED 100,000.
210AED
Extra Supplementary Card
First supplementary card is free for life; AED 210/year applies from the 2nd supplementary card onward.
Monthly Finance Charge3.65%*
*Fixed effective rate of 3.65%/month (43.8% annualised), reducing balance, on amounts unpaid past the due date.
Late PaymentAED 241.5
Over-LimitAED 299.25
Cash Advance3.15%*
*3.15% of the amount advanced or AED 105, whichever is higher. Cash advances are capped at 80% of the credit limit.
Liability LetterAED 52.5
Cash Product CancellationAED 261.45
FX Transaction Fee1.15%*
*Approximately 1.15% processing fee charged by Mastercard on non-AED transactions, plus standard bank-fee VAT.
Frequently Asked Questions
Get answers to common questions about RAKBANK World Credit Card credit card
Similar cards
RAKBANK
RAKBANK Titanium Credit Card
Salary: AED 8,000+
No Annual Fee
Joining Bonus: AED 500
5% Cashback on Supermarkets, Dining
2% Standard Cashback
RAKBANK
RAKislamic 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
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Traveller Credit Card
Salary: AED 20,000+
Annual Fee: AED 1,575
10% Cashback on airline tickets
10% Cashback on hotel stays
1.5% Cashback on all domestic spends
Other credit cards from this bank
RAKBANK
RAKBANK High Flyer Platinum Credit Card
Salary: AED 10,000+
No Annual Fee
Up to 5 RAKrewards/AED international
4 airport lounge visits/year
20% off Avis car rental
RAKBANK
RAKBANK Titanium Credit Card
Salary: AED 8,000+
No Annual Fee
Joining Bonus: AED 500
5% Cashback on Supermarkets, Dining
2% Standard Cashback
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
RAKislamic 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
RAKBANK
RAKBANK Air Arabia Platinum Credit Card
Salary: AED 5,000+
Annual Fee: AED 420
20,000 AirRewards Bonus Points
Complimentary Annual Ticket
Free Airport Transfers
RAKBANK
RAKislamic 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
Related Collections
