RAKBANK MasterCard Credit Card
Choosing a card with a vast range of benefits is now easy. The RAK BANK World Mastercard brings you a host of perks — from hotel discounts to insurance for the entire family. Suitable for both daily use and travel, this card helps you save significantly on your purchases with cashback across several ...read more
Best credit cards with 0 Annual fee*
- Cashback up to AED 2,000
- Rewards + Welcome Offers
- No Annual Fee
- Travel benefits
- Dining Discounts
- Entertainment Benefits
Top Features and Benefits of the RAKBANK World Mastercard
Whether you’re travelling or spending on your daily needs, this RAKBANK card serves all purposes. Here is a detailed list of the privileges you get —
- Earn up to 10% cashback on —
- International and domestic hotel and airline bookings
- Supermarket spending
- Dining across the world
- Earn up to 3% cashback on all online and offline retail transactions
- Get worldwide coverage of up to AED 10,000 in case of stolen or lost card with the Secure Wallet feature
- Save on movie tickets with 50% discount on VOX Cinemas
- Enjoy complimentary access to more than 1,300 airport lounges across the globe
- Receive a 10% discount on car rentals at Rentalcars.com
- Get exclusive deals on booking your stay at IHG Hotels across the Middle East, Africa, India, Europe, and the Maldives
- Enjoy 2 airport rides with Careem without any charges
- Get up to 7% credits in your Booking.com wallet
- Complimentary global data roaming package of 1 GB per year available
- Get 20% off on Talabat grocery and food deliveries
- Receive free MyUS membership and shipping discounts
- Save 25% on your first Fiit subscription
- Stay protected with Travel Medical Care & Emergency Assistance and Medical Insurance
Do You Qualify for the RAK BANK Mastercard?
In this section, you can find the entry requirements for the RAKBANK Credit Card for both self-employed and salaried employees in the UAE —
For Salaried Employees
| Eligibility Factors | Requirements |
|---|---|
| Minimum Age | 21 years |
| Residency | UAE citizen or resident |
| Minimum Salary | AED 20,000 |
For Self-Employed Individuals
| Eligibility Factors | Requirements |
|---|---|
| Minimum Age | 21 years |
| Residency | UAE citizen or resident |
|
Quarterly Turnover |
A minimum quarterly turnover of AED 500,000 |
Documents Required for the RAK BANK World Mastercard
RAKBANK usually requires a few documents, such as your Emirates ID, bank account statements, and salary/ revenue proof, to verify your card application. However, it is advisable to check with the bank regarding the essential documents before starting your application.
RAKBANK Mastercard Credit Card Fees and Charges
Banks impose specific fees — such as late payment fees — if you miss your card bill payment, over-limit charges if you exceed your monthly credit limit, or even foreign transaction fees for international fund transfers. You must stay up to date on these fees to avoid any last-minute surprises.
The table below lists all the key fees of the RAK BANK World Mastercard -
| Type of Fee | Charges |
|---|---|
| Late Payment Fee | AED 241.5 |
| Overlimit Fee | AED 299.25 |
| International Courier Charges | AED 105 |
| Cash Advance Fee | 3.31% or AED 105 (whichever is higher) |
| Card Replacement Fee via Digital Banking | AED 52.5 |
| Card Replacement Fee via Other Channels | AED 78.75 |
| Liability/ No Liability Letter | AED 52.5 |
| International Remittance Fee | AED 78.75 |
| Rescheduling Fees | Up to 1.05% of the Card Outstanding |
| Smart Cash Processing Fee | AED 105 |
| Returned Cheque Fee | AED 105 |
| Sales Voucher Copy | AED 68.25 |
| Credit Shield Insurance | AED 1.04% |
Frequently Asked Questions
You must maintain a quarterly account balance of AED 150,000 or more to be eligible for the card.
Yes, you can benefit from several hotel deals, including 7% wallet credit back at Booking.com, IGH Hotel privileges, and 10% cashback on hotel bookings worldwide.
The minimum salary requirement for the card is AED 20,000.
Use the RAK card to get 20% off on Talabat grocery deliveries.
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