RAKBANK nmc Credit Card
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Airport Lounge
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Best credit cards with 0 Annual fee*
Monthly Income (Dirhams)
Below 5k
5k - 8k
8k - 12k
12k - 15k
15k - 20k
20k - 25k
25k - 30k
Above 35k
- Cashback up to AED 2,000
- Rewards + Welcome Offers
- No Annual Fee
- Travel benefits
- Dining Discounts
- Entertainment Benefits
Top RAKBANK Credit Cards
The RAKBANK nmc Credit Card has been designed in association with nmc Group, which is a well-renowned leader in healthcare. This exclusive RAKBANK credit card offers a wide range of wellness benefits, enabling its card member to make the most of it. In addition to offering the exciting benefits, this credit card comes with unmatched rewarding features that other credit cards simply can’t match.
Features & Benefits of the RAKBANK nmc Credit Card
Given below are the list of the main features and benefits of the RAKBANK nmc Credit Card:
- No Annual Fee: This RAKBANK credit card is a ‘free for life’ credit card as there is no annual fee charged on it.
- Low Interest Rate: This card charges a low interest rate on outstanding retail purchase transactions.
- No-Interest credit: The RAKBANK nmc Credit Card offers no-interest credit for a maximum of 55 days.
- Supplementary Cards: The card member can avail supplementary RAKBANK nmc Credit cards for their eligible family members.
- Purchase Protection: This card offers it cardholder complimentary purchase protection.
- Travel Accident Insurance: It offers the primary card member and their eligible family members free travel accident insurance. It includes medical cover, travel inconvenience cover, accident cover, and much more.
- Cash Advance: The cardholder can withdraw instant cash up to 80 percent of the total credit limit in times of financial emergency.
- Discounted Offers: Member of this RAKBANK credit card can avail plenty of exclusive discounts across nmc hospitals, beauty salons, pharmacies, jewelers, and restaurants.
- ‘Minimum Monthly Payment’: Member of this card can make the lowest monthly payment of just 3 percent.
- RAKMoney Transfer: The cardholder can send money utilizing the service of RAKMoney Transfer via Digital Banking across the globe. Else, the card member can directly send money through any of the RAKBANK branches.
- Easy Installment Plan: The card member can convert their credit card purchases at participating merchants into easy to pay monthly installment through a 0 percent easy payment plan for up to 12 months.
Rewards & Offers of the RAKBANK nmc Credit Card
| Category | Cashback |
|---|---|
| International Retail Transactions including Internet Transactions & Cash Advances | 1% |
| Domestic Retail Transactions | 1% |
*Please note that the cardholder can avail 1 percent cashback on total monthly domestic retail transaction subject to a minimum spends of 1000 AED in a month.
**The cardholder can avail 0.25 percent cashback for every 1 AED spent on Telecommunication & utility bill payments, car rentals, real estate, petrol or gas stations, and transport.
Fees & Charges of the RAKBANK nmc Credit Card
Here is the list of fees & charges of the RAKBANK nmc Credit Card:
| Type of Charges | Amount |
|---|---|
| Annual Membership Fee of Primary Card | Free For Life |
| Annual Membership Fee of Supplementary Card | Free For Life |
| Finance Charges - Retail Transactions (per month) | 3.45 percent |
| Finance Charges - Balance Transfer (per month) | 1.50 percent |
| Finance Charges - Credit Card Cheques (per month) | 2.25 percent |
| Finance Charges - Cash Advances (per month) | 3.45 percent |
| Finance Charges - Smart Cash (per month) | 2 percent |
Other Fees & Charges
| Types of Charges | Amount |
|---|---|
| Cash Advance Charge | 3% or 99 AED, whichever is greater |
| Card Replacement Charge | 75 AED |
| Over limit Charge | 275 AED |
| Late Payment Charge | 230 AED |
| Duplicate Statement Charge (for each statement) | 45 AED |
| Returned Cheque Charge | 100 AED |
| Charge For Procuring A Copy Of Sales Voucher | 65 AED |
| Fee of International Courier | 100 AED |
| Processing Charge for ‘Credit Card Cheque’ | 1 percent (Min 50 AED & Max 250 AED) |
| Processing Charge for Smart Cash | 100 AED |
| Processing Charge for Easy Payment Plan (EPP) at selected merchants |
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| Cancellation Charge Or Early Settlement For Credit Card Cheque, Smart Cash, Balance Transfer, And All Easy Payment Plans | 249 AED |
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| Credit Shield Insurance (CSI) | 0.99 percent of the outstanding balance |
| International Remittance Charge | 75 AED |
| Rescheduling Charges | Maximum of a 1 percent of the card’s total outstanding balance |
| E-statement Charge | Nil |
| Case Release Fee | 525 AED |
| Printed statement delivery charges | AED 5 per statement |
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Additional Benefits of RAKBANK nmc Credit Card
- Discount with RAkfoodie: The cardholder can avail a maximum of 30 percent off at 2000+ restaurants using this RAKBANK credit card.
- Other Exclusive Offers
- The card member can enjoy 10 percent off across Ultra Sound, X-ray, CT, Mammography, & MRI Scans at ‘National Hospital Abu Dhabi’, ‘nmc Hospital Dubai & Abu Dhabi’, and ‘nmc Medical Centre Sharjah’.
- The cardholder can enjoy 8 percent off of the purchase of non-pharmaceutical products at ‘Bait Al Shifaa Pharmacy, Dubai’, ‘New Medical Centre Pharmacy, Abu Dhabi’, ‘Reema Pharmacy, Abu Dhabi’, & ‘New Pharmacy LLC, Abu Dhabi’
- With this card, member of this card can avail 15 percent off on optical products at ‘Focus Optics, Dubai’ & ‘nmc Opticals, Abu Dhabi’.
- The cardholder can avail 10 percent off on gold jewelry at ‘Aabharan Jewellers in Dubai & Abu Dhabi’.
- Member of this card can avail 10 percent off on dining at ‘Lotus Hotel & Dakshin Restaurant in Dubai’, ‘Foodlands Restaurant in Dubai & Abu Dhabi’ & ‘Zari Zardozi & Le M�ridien in Abu Dhabi’.
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