Introducing the all new Watani Credit Card

Discover the Watani Credit Card, tailored for Emiratis and UAE nationals. 
Explore the best credit card for locals, offering unbeatable travel rewards in Dubai, Ras Al Khaimah, Abu Dhabi, Sharjah, Ajman, Umm Al Quwain, and Fujairah. 
Unlock exclusive travel offers for Emirati cardholders: 100% cashback on Salik and DARB,Free Padel subscription, Free streaming subscriptions and lot more
#PerfectlyEmirati

Best card in UAE for Emirati | Rakbank Islamic | Watani Credit Card

Watani Credit Card

Unique privileges that match your lifestyle

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Introducing the Platinum Credit Card

RAKislamic platinum credit card offers you RAKrewards, and many more rewards and benefits. It comes with the new mastercard contactless tap. Learn at RAKislamic.


Rakbank Islamic Platinum Credit Card Features and Benefits | Rakbank Islamic UAE

RAKislamic Platinum Credit Card

RAKislamic Platinum Credit Card Features and Benefits | RAKislamic UAE

Rakbank Islamic Platinum Credit Card

Cross Sell

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Eligibility

Generate a travel coverage letter seamlessly and instantaneously for your visa application needs.
Obtaining a travel coverage confirmation letter has never been easier. As a Watani Credit Cardholder, you can generate a letter online seamlessly and immediately for your Schengen or other visa requirements.

Watani Credit Card - Travel insurance letter for visa applications

Travel coverage letter for visa applications

Open up your world with true hospitality for good.
Explore IHG Hotels &amp; Resorts offers across Europe, Maldives, India, Middle-East &amp; Africa when you pay with your Watani Credit Card:
<ul>
<li style="font-weight: 400;" aria-level="1">15% discount on hotel rooms</li>
<li style="font-weight: 400;" aria-level="1">Complimentary welcome drink on arrival at participating properties</li>
<li style="font-weight: 400;" aria-level="1">Complimentary late check-out from the participating properties</li>
</ul>

Travel - 15% Off & More at IHG Hotel

15% off & more at IHG Hotels

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Upgrade your airport experience with the world-class airport lounge access program -Mastercard Travel Pass, and enjoy complimentary access to over 1200+ luxurious lounges across the globe. With this exclusive benefit, you can relax and unwind in style before your flight, without worrying about any additional charges. Say goodbye to the hassle of carrying a physical card - simply download the &ldquo;Mastercard Travel Pass&rdquo; app and effortlessly generate a QR code or membership number to present to the lounge receptionist for instant access. Plus, with the Mastercard Travel Pass app, you can easily check for participating lounges nearby and quickly determine your eligibility for complimentary access. Take advantage of this unparalleled offer and elevate your travel experience to the next level with Mastercard Travel Pass - the ultimate airport lounge access program.
<a href="https://mastercardtravelpass.dragonpass.com" target="_blank" rel="noopener" aria-label="Click here to know more" data-uw-rm-ext-link="" data-uw-rm-vglnk="">Click here</a> to know more.

Travel - Complimentary Lounge Access Worldwide

Complimentary lounge access worldwide

Travel - Travel, Lounge, and Transport Perks

Travel, lounge and transport perks

Scan the QR code to download the app from the Apple App Store

Download the Rakbank Mobile app!

Discover the Rakbank App and enjoy cutting-edge Digital Banking services at your fingertips. Seamlessly manage your accounts, conduct secure transactions, and enjoy a range of innovative features – all in one user-friendly platform.

Scan the QR code to download the app from the Google Play Store

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Bank on the go anytime, anywhere

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Experience stress-free travel with complimentary airport transfers.
Here's how:
<div class="body-large rak-table">
<ol>
<li>Download Careem app from the&nbsp;<a href="https://apps.apple.com/us/app/careem-ride-delivery-pay/id592978487" target="_blank" rel="noreferrer noopener" data-uw-rm-brl="PR" data-uw-original-href="https://apps.apple.com/us/app/careem-ride-delivery-pay/id592978487" aria-label="App Store - open in a new tab" data-uw-rm-ext-link="">App Store&nbsp;</a>or&nbsp;<a href="https://play.google.com/store/apps/details?id=com.careem.acma&amp;hl=tr&amp;gl=US&amp;pli=1" target="_blank" rel="noreferrer noopener" data-uw-rm-brl="PR" data-uw-original-href="https://play.google.com/store/apps/details?id=com.careem.acma&amp;hl=tr&amp;gl=US&amp;pli=1" aria-label="Google Play Store - open in a new tab" data-uw-rm-ext-link="">Google Play Store</a></li>
<li>Save your Watani Credit Card as the mode of payment</li>
<li>Select your ride "to" or "from" the airport</li>
<li>Enter the promo code &ldquo;MAUAEW2&rdquo;&nbsp;at the time of payment</li>
</ol>
Important information:
<div class="body-large rak-table">
<ul>
<li>The promo code is only applicable if you add your Watani Credit Card to your account on the Careem app and select it as the mode of payment when booking your ride.</li>
<li>The promo code does not apply when you pay with Apple Pay.</li>
<li>The promo code does not apply to Hala taxis.</li>
<li>Each Careem ride is capped at USD 30. In case your ride exceeds this amount, you will need to pay the additional amount.</li>
<li>Valid on rides within the UAE only.</li>
</ul>
</div>
</div>
</div>

Watani card - BenefitCardItem - Careem Airport

2 complimentary airport rides per year with Careem

Watani-World Credit Card  - Travel

Travel 

Watani-feature card - Exclusive offers

From dining deals, shopping specials and travel perks, we've collected them all just for you. 
Browse through our fantastic offers, <a href="https://www.rakbank.ae/en/cards/watani">click here</a>

Save money with exclusive offers

Terms and Conditions

Use our branch and ATM machine locator to find the nearest RAKBANK facility to you within the Middle East, in just a few clicks. Timings are available too.


RAKBANK Branches And ATM Machines Near Me In UAE |RAKBANK UAE

Branches & ATMs

Terms and Conditions Notification

Important Information

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&nbsp;Key Terms and Conditions
<ul>
<li> The Bank may amend the features, fees, charges, terms and conditions of the Credit Card with 60 days&rsquo; notice to you in advance.</li>
</ul>
Warnings
<ul>
<li> If you are late in payment or fail to make the applicable payments on the due date, you will&nbsp; pay a late payment donation at the amount described below.</li>
<li> If you make only the minimum payments during each billing period, it will take you longer to pay off your outstanding balance.</li>
<li>&nbsp;If you fail to make a payment or otherwise breach the Credit Card terms, this will be a default and the Bank will be entitled, among other things, to:</li>
</ul>
(a) cancel the Credit Card and demand full payment immediately;
(b) report the default to the appropriate regulatory authorities and other credit rating agencies, which will affect your credit rating;&nbsp;
(c) Bring legal proceedings against you. 
Risks and Limitations
<ul>
<li> 5% tolerance allowed over and above the Credit Card limit to approve the transaction - any transaction in excess of the Credit Card limit will attract upgrade fee.</li>
<li> Cash withdrawals are permitted only up to 80% of the Credit Card limit.</li>
<li> Balance transfer is permitted up to 95% of available balance.</li>
<li> Smart cash is permitted up to 80% of the Credit Card limit or 95% of the available balance (whichever is lower).</li>
<li> Credit Card Cheque is permitted up to 80% of the Credit Card limit or 95% of the available balance (whichever is lower).</li>
</ul>
These services are offered subject to approval of the Bank.
&nbsp;
Customer Obligations
<ul>
<li> Customer must disclose their income accurately, provide valid identity and employment details and evidence them with authentic documents.</li>
<li> Customer is obligated to make monthly payments due under the Credit Card as per due date to avoid donation amount &amp; finance charges.</li>
</ul>

Key Terms & Conditions

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Elevate your travel experience with complimentary access to Global Blue Tax Refund City VIP Lounges and fast-track services at Airport VIP Fast Lanes. Enjoy the added convenience of automatic tax-free form completion, making your shopping experience effortless.
 For Complimentary Access Present your Watani Credit card at Global Blue City VIP Lounges or Global Blue Airport VIP Fast Lanes. For the Shop Tax Free Card Simply visit <a title="https://members.globalblue.com/registration?language=en&amp;amp;sourcecode=OTPNS001MEAXXXXXX001" href="https://members.globalblue.com/registration?language=en&amp;amp;sourcecode=OTPNS001MEAXXXXXX001">https://www.globalblue.com/mastercardmea</a> to register for the Shop Tax-Free Card and set your Watani Credit card as the preferred non-cash refund target. Terms and conditions apply.

Travel - Global Blue VIP Services

Global Blue VIP Services

Minimum monthly salary / income AED 15,000

Min monthly salary/income AED 15,000

AED 50,000-above

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Personal - Apply From RakMobile

Download the Rakbank app and apply instantly

Not a Rakbank customer?

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Card Features

Elevate your lifestyle with unmatched rewards and benefits designed exclusively for you.
The Shariah-compliant Watani Credit Card has been thoughtfully printed using recyclable materials, making it a proud reflection of the UAE&rsquo;s sustainability vision and spirit of innovation.
Apply for a Rakbank Islamic Watani Credit Card through the Rakbank app from 20 July to 15 September 2026 and receive AED 500* welcome bonus.
*Minimum spend criteria required. Terms &amp; conditions apply.

A card that’s uniquely designed for you #PerfectlyEmirati

<ul>
<li style="font-weight: 400;" aria-level="1">Monthly income of AED 15,000 and above</li>
</ul>

Other Requirements

Complimentary airport lounge access worldwide

&nbsp;
<ul>
<li>No annual fee for the first year</li>
<li>No annual fee second year onwards if the card has a minimum spend of AED 120,000 in the prior year*</li>
<li>0 Annual fee for life for cardholders who apply till the 31st of December 2026</li>
<li>2.75% profit rate per month (the lowest rate offered throughout Rakbank)</li>
<li>One free supplementary card</li>
</ul>
* RAKMoneyTransfer transactions are excluded from the annual spend requirement calculation.
For full details about our fees and charges, please refer to our <a href="/globalassets/rakbank/all-pdfs/002---islamic---service-and-price-guides/bilingual/013-j00686-sp-vat-consumercreditcard-islamic-en.pdf" target="_blank" rel="noopener">Service and Price Guide</a>.

Fees

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Enjoy a welcome bonus of 50,000 RAKrewards

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Travel - Hotel & Accommodation Offers

Hotel & accommodation offers

Key Fact Statement

Service & Price Guide

Terms & Conditions

Murabaha Agreement

Takaful Credit Shield Policy

Watani Benefits Terms & Conditions

Terms and Conditions of the Annual Fee Campaign

Offer Terms and Conditions

Relevant Links

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RAKIslamic Watani Card - Call me back option

Submit your details and we'll be in touch soon

Call me back

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Watani-feature card - Complimentary SALIK and DARB

• To earn cashback on Salik, simply pay through the Rakbank App using the ‘Add Payee’ feature or by using the Smart Salik app to top up your Salik account. 
• For DARB you can pay directly through the DARB app. 
• Spend AED 10,000 a month to avail 100% cashback on Salik & DARB credited into your account on the 7th of the next month 
• Maximum cap of redemption is AED 200 monthly

100% cashback on Salik and DARB

Free to roam with 100% Cashback on SALIK and DARB

Login to RAKrewards

Watani-feature card - Earn up to 50,000 RAKrewards

Enjoy a welcome bonus of 50,000 RAKrewards* on spends worth a minimum of AED 10,000 
Plus! 
 
Get RAKrewards for every AED spent in the following categories: 
 
• 5 for international transactions 
• 3 for domestic transactions 
• 0.6 for insurance and supermarkets 
• 0.5 on spends made in European Economic Area (EEA) countries 
• 0.4 on government, bill payment, transit, schools, real estate, fuel, vehicles, exchange houses, and charity 

*spends should be made within the first 3 cycles / statements

50,000 RAKrewards welcome bonus

AED 5,000-19,999

Going on a holiday or travelling for a business trip? Book your ticket on Cleartrip using your Watani Credit Card and enjoy:
<ul>
<li>10% discount on any international round-trip airfare</li>
<li>No minimum amount restrictions</li>
<li>Unlimited usage of the offers</li>
</ul>
 Discounts on airfares are applicable on all airlines. Simply go to <a title="https://www.cleartrip.ae/" href="https://www.cleartrip.ae/" target="_blank" rel="noopener">www.cleartrip.ae</a>, select your flights, and enter the promo code MCWORLD.

Travel - Cleartrip Airline Discount

Cleartrip airline discount

AED 20,000-49,999

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<ul>
<li>Minimum 21 years&nbsp;</li>
</ul>

​Get 20% off 3 Careem rides every month
Choose the car type that suits your taste, book on the spot, or schedule for a later pickup and enjoy the comfort of your ride.&nbsp; Travel across countries in the Middle East with your Watani Credit Card and enjoy 20% off three rides every month.&nbsp;
Please&nbsp;<a href="https://www.priceless.com/travel/product/163208/careem-chauffeur-service" target="_blank" rel="noopener noreferrer" aria-label="Please click here for more details" data-uw-rm-ext-link="" data-uw-rm-vglnk="">click&nbsp;here</a>&nbsp;for more details. 
25% off two rides per month on Hala Taxi via the Careem app Book your Hala Taxi ride on the Careem app and get 25% off on two rides per month capped at AED 9 per ride.
Follow these simple steps:
<ol dir="ltr">
<li>Go to your Careem app</li>
<li>Select &lsquo;Hala Taxi&rsquo; &amp; enter your destination</li>
<li>Choose your car type, use Mastercard as your payment method, and enter the promo code 'MASTERCARD25'</li>
</ol>
Enjoy your ride!

Travel - Embrace the spirit of travel with Careem

20% discount on Careem

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Help Card

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Watani-feature card - Discounted RAKrewards for flight bookings

How to avail this benefit:
<ul>
<li>Earn RAKrewards on your day to day transactions with your Watani credit card</li>
<li>Go to the RAKrewards portal and select your desired flight</li>
<li>Redeem your accumulated RAKrewards to book your desired flight</li>
<li>Your discounted RAKrewards will automatically be calculated and displayed at checkout!</li>
</ul>

Discounted RAKrewards for flight bookings using the RAKrewards portal

Discounted RAKrewards for flight bookings

Watani-World Credit Card - Large Tabs

Watani-feature card - Special rates on card services

<ol>
<li>Avail balance transfer services with a minimal profit rate of 1.5% p.a. and no processing fee for up to 90% of your credit limit or 95% of your available balance (whichever is lower). 
To avail, call 600544049, SMS BT to 7010 or log into your Rakbank app and apply in minutes.
 </li>

<li>Smart Cash (loan on card) is also permitted up to 80% of your credit limit or 95% of your available balance (whichever is lower) with a profit rate of only 2% p.a. and a processing fee of AED 105 (inclusive of VAT). 
 
To avail, call 600544049, SMS CCC or SC to 7010 or log into your Rakbank app and apply in minutes. </li>

<li>Acquire Credit Card Cheques for up to 80% of your credit limit or 95% of your available balance (whichever is lower) at a minimal rate of 2.25% p.a.
 
To avail, call 600544049, SMS CCC to 7010 or log into your Rakbank app and apply in minutes.</li>
</ol>

Special rates on card services

Rewards

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Complimentary hotel nights at Starwood Hotels & Resorts

Expect a range of advantages at over 100 participating Starwood Hotel &amp; Resorts properties in Middle East and Africa:
<ul>
<li style="font-weight: 400;" aria-level="1">One complimentary hotel night on booking two hotel nights</li>
<li style="font-weight: 400;" aria-level="1">Two complimentary hotel nights on booking four hotel nights</li>
<li style="font-weight: 400;" aria-level="1">Visit <a title="https://www.marriott.com/default.mi" href="https://www.marriott.com/default.mi" target="_blank" rel="noopener">www.spg.com/mastercard</a> to get complimentary nights using your Watani Credit Card</li>
</ul>

Travel - Complimentary Hotel Nights at Starwood Hotels & Resorts

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Watani-feature card - Enjoy 0 annual fee for lifetime

Customers who will apply/ have applied for the Watani Credit Card from 2023 till the 31st of December 2026 are now eligible for a lifetime annual fee waiver!
 
<a href="/globalassets/rakbank/all-pdfs/002---islamic---terms-and-conditions/watani-lifetime-free-tcs.pdf" target="_blank">Terms and conditions apply*</a>

Enjoy 0 annual fee for lifetime

Features & Benefits

Have a question?
You’ll likely find the answer in our FAQs.

FAQ’s Help Card - Islamic

FAQs

Eligibility & Fees

Step into a world of benefits

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Nationality

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Introducing the Rakbank Islamic World Credit Card

Embrace ethical banking with RAKBANK's Islamic world credit card. Check for travel benefits, lifestyle privileges and unmatched savings at RAKBANK. Explore now!


Islamic World Credit Card with RAKrewards | RAKBANK

RAKislamic World Credit Card

World Credit Card

<ol>
<li>Your Emirates ID</li>
<li>Your Passport with valid residency visa</li>
<li>Any of the following proof of income</li>
</ol>
<ul>
<li>Salary Certificate</li>
<li>Bank Statements</li>
<li>Payslips</li>
<li>Labour Contract</li>
</ul>

Visit A Branch

A specialist will be able to assist you with the process

Visit a branch

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Terms And Conditions

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Scan the QR code to download the RAKBANK app from the Apple App Store

Download the RAKBANK App!

Discover the Rakbank app and enjoy digital banking designed to fit your day. Manage your accounts, make secure transactions, and access smart features all in one simple, easy-to-use app

Download the Rakbank App!

RAKBANK mobile and digital banking features enabling customers to bank anytime, anywhere

Card Features

A card that’s uniquely designed for you #PerfectlyEmirati

Eligibility & Fees

Step into a world of benefits

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Bank on the go, anytime, anywhere