# RAKBANK Credit Card Eligibility **Published:** 2022-04-20T14:32:03.717Z **Updated:** 2026-07-30T16:27:20.834Z **Author:** Tanvi Pathak **Original Url:** https://www.paisabazaar.ae/credit-cards/articles/rakbank-credit-card-eligibility/ RAK BANK credit card eligibility requirements are important to understand before applying for a card. This ensures you meet the financial needs necessary for responsible credit use. Factors like minimum income, employment type, age, and residency status are the major factors affecting your chances of RAKBANK credit card approval. ...read more Most Popular Credit Card in UAE Salary Range Free for Life ### Cashback Credit Card CashbackAirport Lounge AccessTravel DiscountsDining DiscountsFood Delivery OffersIslamic / Shariah Compliance Minimum Salary:**5,000** Annual Fee:**Free for Life** 5% cashback on two categories below Grocery, Educations, Fuel, International spends, Dining Enjoy complimentary airport lounge access to over 25 lounges worldwide. Cashback ### ULTRACASH Mastercard Touch Card Valet ParkingBalance Transfer Facility0% Installment Plans Minimum Salary:**10,000** Annual Fee:**500** Welcome Offer : Make one retail transaction in the first 30 days of card issuance and receive bonus cashback upon payment of annual fee.AED 500 UAE Nationals and AED 300 Expatriates 10% cashback on Fuel for the first 3 months and 5% thereafter Reward Points ### TouchPoints Visa Infinite Credit Card Airport Lounge AccessMovie DiscountsDining DiscountsGolf BenefitsTravel Insurance CoverageTravel DiscountsFood Delivery OffersBalance Transfer Facility0% Installment PlansSchool Fee Installment PlanInstant Cash Loan Minimum Salary:**25,000** Annual Fee:**1,050** 15,000 Bonus TouchPoints for spends of AED 15,000 VOX Cinemas Buy one get one FREE ## RAKBANK Credit Card Eligibility in the UAE Refer to the common entry requirements for a [RAKBANK card in the UAE](https://www.paisabazaar.ae/credit-cards/rakbank-credit-cards/) — ### **Age**  You must be at least 21 years old. ### **Nationality**  You must be a UAE national or a resident. ### **Salary**  As a salaried employee, you must have a minimum monthly salary of AED 5,000. ### **Annual Turnover**  As a self-employed applicant, your quarterly turnover must be at least AED 25,000. Alternatively, you must maintain a quarterly account balance of AED 50,000. Jump to the next section for detailed entry requirements for each RAKBANK card. ## Top RAKBANK Credit Cards Eligibility Criteria The definite eligibility for each card ensures that you qualify for the particular card and manage your finances efficiently without any strain. The table below enlists all the RAK BANK credit card eligibility criteria — | Card Name  | Entry Requirements | Apply | | --- | --- | --- | | Elevate Credit Card  | Minimum Age — 21 years
Residency — UAE Resident
Minimum Monthly Salary (For Salaried Applicants) — AED 35,000
For Self-employed ApplicantsQuarterly Turnover — AED 600,000 OR
Average Quarterly Account Balance — AED 200,000 | View Offers | | World Credit Card  | Minimum Age — 21 years
Residency — UAE Resident
Minimum Monthly Salary (For Salaried Individuals) — AED 20,000
For Self-employed ApplicantsQuarterly Turnover — AED 500,000 OR
Average Quarterly Account Balance — AED 150,000 | View Offers | | Titanium Credit Card  | Minimum Age — 21 years
Residency — UAE Resident
Minimum Monthly Salary (For Salaried Applicants) — AED 8,000
For Self-employed Individuals Quarterly Turnover — AED 100,000 OR
Average Quarterly Account Balance — AED 300,000 | View Offers | | Air Arabia Platinum Credit Card  | Minimum Age — 21 years
Residency — UAE Resident
Minimum Monthly Salary (For Salaried Applicants) — AED 5,000
For Self-employed Individuals Quarterly Turnover — AED 25,000 OR
Average Quarterly Account Balance — AED 50,000 | View Offers | | RED Credit Card  | Minimum Age — 21 years
Residency — UAE Resident
Minimum Monthly Salary (For Salaried Applicants) — AED 5,000
For Self-employed Individuals Quarterly Turnover — AED 75,000 OR
Average Quarterly Account Balance — AED 150,000 | View Offers | ## Factors Affecting RAKBANK Credit Card Eligibility Certain aspects affect your RAKBANK eligibility. Let’s understand them in more detail —  * **Minimum Income Requirement** — This is the card-specific monthly salary threshold. It starts at AED 5,000, although it can go as high as AED 35,000. Similar requirements apply to self-employed applicants. * **Age Criteria** — Applicants below the age of 21 years are strictly not eligible for a card. * **Credit Score** — A good AECB score, usually above 650, improves chances of approval. * **Existing Debt Obligations** — High loans or existing debts can impact approval. In the UAE, your debt-to-income ratio does not cross 50%. * **Employer Listing** — Some banks prefer applicants working in companies present on the approved list. ## How to Improve Your Eligibility for RAKBANK Cards? Now that we have understood what really impacts your RAKBANK credit card eligibility, the next step is to know how to enhance your approval chances. Here are some easy-to-follow tips —  * Build a Positive Credit Score Use existing cards responsibly, keep accounts active, and avoid applying for multiple cards in one go. Try to keep your score above 700 for easy approvals and favourable terms. * Maintaining a Good Credit History  Make all payments, whether for utility bills or loan instalments, on time. This increases your score and shows you as a responsible borrower.  * Show Stable Income Ensure steady employment and salary deposits that meet or exceed card requirements. * Reduce Outstanding Debts Improve your debt-to-income ratio by clearing your existing loans and other card balances. As mentioned earlier, this cannot go above 50% in the UAE. However, for a good score and better approval chances, try to keep it below 30 ## FAQ's About RAKBANK Credit Card Eligibility Q1: I’m a self-employed individual. Am I eligible for the Air Arabia Platinum credit card if my quarterly turnover is AED 30,000? Yes, you are eligible for the Air Arabia Platinum card as the required minimum quarterly turnover is AED 25,000. Q2: What is the minimum salary required for a RAKBANK credit card? The minimum monthly salary required for a RAKBANK card in the UAE is AED 5,000. However, this requirement is for salaried applicants only. If you’re a self-employed individual, you need to fulfil requirements related to quarterly turnovers, account balances, and so on. Q3: Can I apply for an Elevate credit card by RAKBANK if my monthly salary is AED 15,000? 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