# RAKBANK World Credit Card **Original Url:** https://www.paisabazaar.ae/credit-cards/rakbank-world-credit-card/ RAKBANK World Credit Card ensures more than just credit. It offers convenience and benefits like cashback rewards. You can enjoy shopping and travelling around the world with this credit card. Read on to know more! ...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 World Credit Card Benefits Tabulated below are the RAKBANK World Credit Card benefits:  | Benefits | Details | | --- | --- | | Cashback | Up to 10% cashback on travel and hotel spends
Up to 10% cashback on supermarket spends
Up to 10% cashback on all dining spends
Up to 3% cashback on retail spends | | Cinema | Up to 50% off at VOX Cinemas
Up to 4 tickets per card per month | | Travel | Complimentary access to more than 1,300 international airport lounges via MasterCard’s Travel Pass app
2 complimentary airport rides per year with Careem
Up to 7% wallet credit on Booking.com
Complimentary global data roaming package of 1 GB once a year
Reclaim VAT with Global Blue VIP Services at over 300,000 stores worldwide
10% discount on car rentals at Rentalcars.com
15% off or more at IHG Hotels | | Lifestyle | 50% off on movie tickets
10% off at Farfetch at select brands when you spend USD 200 or more
Free membership and up to 30% shipping discounts on MyUS
25% off on first subscription Fiit payment
20% off 1 food or grocery orderper month via Talabat app | | Travel Insurance | Loss of baggage - up to USD 3,000 with no deductible
Trip cancellation - up to USD 7,500
Trip delays - up to USD 300
Delay of baggage - up to USD 300
Trip curtailment - up to USD 7,500
Missed connection - up to USD 300
Purchase protection
Medical care and emergency assistance —Personal accident insurance - up to USD 500,000
Emergency medical evacuation and repatriation - up to USD 500,000
Medical emergency expenses - up to USD 500,000
Daily in-hospital cash benefit - USD 100 per day
Spouse cover of 100%, your children’s cover 25%, and your domestic helper's 25%Comprehensive medical insurance for you and your family
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| | Annual/Joining Fee | Free for 1st year, AED 997.5 | | Finance Charges per Month | 3.65% | | Cash Advance Fee | 3.31% or AED 105 (whichever is higher) | | Overlimit Fee | AED 299.5 | | Late Payment Fee | AED 241.5 | | Returned Cheque Fee | AED 105 | | International Courier Charges | AED 105 | | Liability/No Liability Letter | AED 52.5 | | International Remittance Fee | AED 78.75 | | Smart Cash Processing Fee | AED 105 | | Sales Voucher Copy Fee | AED 68.25 | | Credit Card Cheque Processing Fee | 1.05% (minimum - AED 52.5, maximum - AED 262.5) | | Early Settlement/Cancellation Fee | AED 261.45 | | Minimum Amount Due | 4% or AED 100 (whichever is higher) | | Rescheduling Fees | Up to 1.05% of the card outstanding  | ## RAK Bank World Credit Card  Eligibility Criteria If you travel often, are a professional who values lifestyle benefits, or simply want a safe and rewarding card, you can apply for the RAKBANK World Credit Card. Here is who can apply for the RAKBANK World Credit Card. * Minimum Age - 21 years * Minimum Monthly Salary Requirement - AED 20,000 (for salaried employees) * Residency - UAE National or resident of the UAE * Minimum Income (for self-employed) - Quarterly turnover of AED 500,000 or an average quarterly account balance of AED 150,000 ## FAQs on RAKBANK World Credit Card ### Q1: What is the minimum income for the application of the World Credit Card?  **Ans:** To qualify for the World Credit Card, you need to earn AED 20,000 a month. ### Q2: Is there an annual fee for the World Credit Card? Yes. The card is free for the first year, and from the second year, an annual fee of AED 950 + 5% VAT applies. ### Q3: Which one of the spending categories has the highest cashback?  **Ans:** Get up to 10% cashback on your groceries, dining, and travel. The cashback percentage may be lower for volume tiers and can vary for domestic spend versus foreign spend. ### Q4: What are the reimbursement rates based on the spending categories of the World Credit Card?  **Ans:** Cashback is tiered, meaning the percentage depends on your spending amount and category. Full details are provided in RAKBANK’s cashback structure. ### Q5: What travel and insurance protections of the World Credit Card are you entitled to?  **Ans:** The card comes with complimentary multi-trip travel insurance, covering areas such as medical emergencies, baggage loss, trip cancellations, and delays. Exact coverage limits are detailed in the policy document provided by RAKBANK.