Pay abroad, rack up rewards

Using your RAKBANK Credit Card overseas offers you plenty of benefits.
From low currency conversion rates to international cashback, there’s something for every traveller to enjoy.


Exchange Rate Conversion

Dynamic Currency Conversion (DCC) is when you buy something abroad using your card, and the seller offers to charge you in your home currency instead of the local currency. It sounds convenient, but it often comes with higher fees and a less favorable exchange rate. When you opt for DCC on your overseas transactions, you will realise that you are spending more than you should. After all, every penny saved is a penny earned.

When you use your RAKBANK Credit Card abroad, you can rest assured that we will convert your card charges at favourable conversion rates for you.


5% Cashback

With your RAKBANK Credit Card, you can earn up to 5% cashback on all international retail spends and international cash advances.

Please note that the 5% cashback doesn’t apply to transactions billed in AED but spent outside the UAE.


**These percentages are applicable only for RAKBANK World Credit Card


Low Currency Conversion Rates

Use your RAKBANK Cards for your spends abroad and enjoy low currency conversion rates. Your RAKBANK Cards will be accepted on all chip and non-chip-enabled terminals.

Please refer to the table below suggesting the extra earnings on your RAKBANK Cards by not choosing to make payments in the national currency (AED).

  With DCC Without DCC
Transaction amount (INR) 10000 10000
Exchange Rate (AED - INR)* 0.072 0.0684
DCC Billing Amount as per the POS slip (value in AED) 720 702.81
Maximum Cashback Earned** 3% 5%
Cashback Amount (value in AED)** 21.6 34.2

*Exchange rate computed by the Merchant

**These percentages are applicable only for RAKBANK World Credit Card

The above example clearly shows that a customer performing a transaction without opting for DCC will be charged AED 17.2 less and also earns higher cashback for that transaction.

Paying in AED while outside of UAE leads to application of a processing fee of 2.5% for international transactions as per our Schedule of Fees and Charges.

Please note that some merchants (e.g. iTunes, Uber, Facebook, Jet Airways, SpiceJet, Indigo Airlines, Deliveroo,), although offering services in UAE and charging in AED, process their card payments outside of UAE. Such transactions are considered as international transactions and thus are subject to the international transaction fee as mentioned above.

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