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

Terms and Conditions

Eligibility

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Turn your RAKrewards into unforgettable travel experiences. Redeem your earned rewards for flights, hotels and travel packages, making your dream vacations more accessible. The RAKislamic World Credit Card helps you create lasting memories with your loved ones through incredible travel opportunities. Enhance your lifestyle by using RAKrewards for dining, entertainment and more. Treat yourself and your loved ones to fine dining experiences, exciting events and exclusive offers by redeeming your earned RAKrewards. The RAKislamic World Credit Card truly enriches your life with unique experiences and unforgettable moments.

My Rewards - Travel Rewards and Lifestyle Experiences

Travel rewards and lifestyle experiences

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

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Each additional card

Make your daily spending more rewarding with the RAKislamic World Credit Card. Earn RAKrewards on daily necessities, shopping, monthly bills and more. Enjoy a special earning rate of 0.35 RAKrewards for every AED 1 spent on select categories, maximising the value of your everyday expenses.

My Rewards - Complimentary Travel 

Everyday earnings

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feature card - RAKrewards on every spend

Get the most out of your purchasing power and earn RAKrewards on your spends! What’s more, with your Rakbank Islamic World Credit Card, you can even fast track your way into earning more points by simply using your card for transactions under the special categories as listed below. 
 
<div class="rak-table">
<table style="width: 100%; border-collapse: collapse;" border="1">
<thead>
<tr>
<th>
&nbsp;
</th>
<th>
Minimum Spent in a month
</th>
<th>
Minimum Spent in a month
</th>
</tr>
<tr>
<th>
Special Categories
</th>
<th>
&gt;= AED 10,000 &lt; AED 15,000
</th>
<th>
&gt;= AED 15,000
</th>
</tr>
</thead>
<tbody>
<tr>
<td width="249">
1.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Restaurants
</td>
<td rowspan="5" width="249">
3.75 RAKrewards for spends of AED 1
</td>
<td rowspan="5" width="249">
6.25 RAKrewards for spends of AED 1
</td>
</tr>
<tr>
<td width="249">
2.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fitness &amp; Beauty
</td>
</tr>
<tr>
<td width="249">
3.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Electronics
</td>
</tr>
<tr>
<td width="249">
4.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fashion &amp; Apparel
</td>
</tr>
<tr>
<td width="249">
5.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Online Transactions
</td>
</tr>
<tr>
<td width="249">
Max rewards cap
</td>
<td width="249">
37,500 RAKrewards
</td>
<td width="249">
80,000 RAKrewards
</td>
</tr>
</tbody>
</table>
 
With your Rakbank Islamic World Credit Card, shopping while travelling is even more rewarding.Use your card for international transactions and earn up to 6.25 RAKrewards for every AED 1 you spend!
 
<table style="width: 100%; border-collapse: collapse;" border="1">
<thead>
<tr>
<th>
&nbsp;
</th>
<th>
Domestic Transactions
</th>
<th>
International Transactions
</th>
</tr>
<tr>
<th>
Spend Tiers
</th>
<th>
RAKrewards on spends/month per AED 1
</th>
<th>
RAKrewards on spends/month per AED 1
</th>
</tr>
</thead>
<tbody>
<tr>
<td width="234">
Up to AED 14,999
</td>
<td width="234">
1.25
</td>
<td width="234">
3.75
</td>
</tr>
<tr>
<td width="234">
AED 15,000 &ndash; AED 29,999
</td>
<td width="234">
2.5
</td>
<td width="234">
5
</td>
</tr>
<tr>
<td width="234">
AED 30,000 &amp; above
</td>
<td width="234">
3.75
</td>
<td width="234">
6.25 &nbsp;
</td>
</tr>
<tr>
<td width="234">
Reward CAP in month (statement cycle)
</td>
<td width="234">
187,500
</td>
<td width="234">
312,500
</td>
</tr>
</tbody>
</table>
</div>

Notes: 
Transactions made through any of the banking channels i.e. IVR, Internet Banking, Mobile, CDMs, ATM’s, Branches or any other Rakbank payment channels will not be eligible for RAKrewards. 
Domestic and international transactions under the category of Charities, Government Services, Bill Payments, Schools, Education, Transits, Transport, Telecommunication, Real Estate, Petrol/Gas stations, will earn 0.35 RAKrewards for every AED 1 spent.

RAKrewards on every spend

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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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Card Features

The Rakbank Islamic World Credit Card offers you a world of rewards, privileges and benefits, every day. Expect RAKrewards, travel benefits, lifestyle privileges and unmatched savings.
Apply for a Rakbank Islamic World Credit Card through the Rakbank app from 20 July to 15 September 2026 and receive AED 750* welcome bonus.
*Minimum spend criteria required. Terms &amp; conditions apply.

The credit card that keeps on giving

Monthly installment amount

Travel - Travel, Lounge, and Transport Perks

Travel, lounge and transport perks

 Rewards reduced for certain merchant categories

Rewards earning is reduced for certain merchant categories. Please refer to our website for more details. Transactions made through any of RAKBANK's banking channels such as IVR, Internet Banking, Mobile, CDMs, ATMs, branches or any other RAKBANK payment 

feature card - Cash Advance

In case of emergencies or unexpected expenses, access cash instantly with the RAKislamic World Credit Card. Get cash advance of up to 80% of your credit limit, ensuring you have financial support when you need it most.

Cash advance

First year: No annual fee

First year: No annual fee. Subsequent years: Free upon spending AED 50,000 in the previous year

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

Fees

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Simplified utility payments through Digital Banking

feature card - Seamless Bill Payments

Paying your credit card bills has never been easier. 
With the RAKislamic World Credit Card, you can make bill payments at any RAKBANK ATM, EDM or partner exchange outlets. Additionally, make utility payments effortlessly through our Digital Banking platform.

Seamless bill payments

Eligibility & Fees

Step into a world of benefits

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Supplementary cards free for the first year

From second year 

Free Careem Plus annual membership - Islamic

What do you get with Careem Plus?
Rides: 10% back on 10 rides* Food: Unlimited free delivery Quik: Free delivery + exclusive savings DineOut: Buy 1 Get 1 deals &amp; discounts&nbsp; E-Bike: 30% off unlimited daily passes Careem Pay: Member-only rates on global transfers Home&amp;Spa: 10% off home cleaning, laundry and salon &amp; spa Priority support from Careem top agents 
How to use?
<ol>
<li>Open the Careem app on your phone&nbsp;</li>
<li>Tap your profile icon in the top right corner</li>
<li>Select &lsquo;Careem+&rsquo; and tap &lsquo;See the benefits&rsquo;</li>
<li>Go to &lsquo;Offers&rsquo; and select the Rakbank offer</li>
<li>Add your World Credit Card to the Careem app</li>
<li>Your membership will activate automatically once your card is verified</li>
<li>Use your World Credit Card as your payment method at checkout to enjoy Careem Plus benefits</li>
</ol>
Important information
<ul>
<li>This benefit is available to primary cardholders only and is non-transferable</li>
<li>To receive Careem Plus benefits (e.g. ride discounts, free delivery), you must use your World Credit Card as the payment method for each transaction</li>
<li>The membership is valid for 12 months from the date of activation</li>
<li>If you are an existing paid Careem Plus member, you must cancel your current subscription before activating the complimentary offer</li>
<li>Rakbank reserves the right to modify or discontinue this benefit at any time. Any such modification shall be effective prospectively from the date of notification to cardholders and shall not adversely impact benefits already accrued or utilized prior to such notification. </li>
<li>Only one complimentary Careem Plus membership is available per eligible primary cardholder, no matter how many qualifying Rakbank credit cards they hold.</li>
<li>The complimentary Careem Plus membership is a one time annual membership.</li>
</ul>
* The 10% cashback on up to 10 rides applies only to the Rides option and does not include School Rides.

FREE Careem Plus membership for 12 months

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AED 50,000-above

Minimum monthly salary / income AED 20,000

Min monthly salary/income AED 20,000

Personal - Apply From RakMobile

Download the Rakbank app and apply instantly

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Travel

Annual fee

Profit per month: 3.65%

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Maximise your rewards with focused spending

feature card - Exclusive Rewards and Privileges

Boost your RAKrewards earning potential by spending in select categories like charities, government services, bill payments, schools, education, transits, transport, telecommunications, real estate, petrol / gas stations, and more. For every AED 1 spent in these categories, earn 0.35 RAKrewards and make your spending even more rewarding.

Earn extra RAKrewards on select categories

Earn extra RAKrewards 

Key Fact Statement

Service & Price Guide

Terms & Conditions

Murabaha Agreement

Takaful Credit Shield Policy

Offer Terms and Conditions

Relevant Links

&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>
&nbsp;
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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*if minimum spend of AED 50,000 (excluding RAKMoneyTransfer transactions) is not achieved in the previous year
&nbsp;
For full details of 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?MOD=AJPERES&amp;CVID=olN.FZC" target="_blank" rel="noopener">Service and Pri</a><a href="https://rakbank.ae/wps/wcm/connect/abde3594-5bf4-41cc-8146-cbfce66028a9/012-J00686-S%26P-VAT-ConsumerCreditCard-221212.pdf?MOD=AJPERES&amp;CVID=olN.FZC">ce Guide</a><a href="https://rakbank.ae/wps/wcm/connect/abde3594-5bf4-41cc-8146-cbfce66028a9/012-J00686-S%26P-VAT-ConsumerCreditCard-221212.pdf?MOD=AJPERES&amp;CVID=olN.FZC">.</a>

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Islamic World - Payments

Credit Card Payment

For every AED 1 spent, earn up to 6.25 RAKrewards

For every AED 1 spent in these categories, earn 6.25 RAKrewards

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My Rewards

AED 5,000-19,999

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AED 20,000-49,999

Terms and Conditions Notification

Important Information

Upgrade your airport experience with the world-class airport lounge access program - Mastercard Travel Pass, and enjoy complimentary access to over 550 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.

Travel - Complimentary Lounge Access Worldwide

Complimentary lounge access worldwide

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

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Fast track your way into earning up to 80,000 RAKrewards monthly for transactions under the special categories such as restaurants, electronics, online and more.

Fast track your way into earning up to 80,000 RAKrewards 

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From second year

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<div class="body-large rak-table">
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 RAKislamic World 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 RAKislamic World 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>

Islamic World card - BenefitCardItem - Careem Airport

2 complimentary airport rides per year with Careem

Access Money Transfer service through Digital Banking

Access RAKMoneyTransfer service through Digital Banking (RMT amount considered as retail transaction: AED 7,500)

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Rewards

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Features & Benefits

AED 30,000 & above

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

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FAQs

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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<ul>
<li style="font-weight: 400;" aria-level="1">Minimum monthly salary of AED 20,000</li>
<li style="font-weight: 400;" aria-level="1">Self-employed persons must have a quarterly credit turnover of AED 500,000</li>
<li style="font-weight: 400;" aria-level="1">Provide a security cheque for the value of the credit card limit</li>
</ul>

Other Requirements

feature card - Free Supplementary Card

Share the amazing benefits and privileges of the RAKislamic World Credit Card with your loved ones. Get a free supplementary card and let your family members enjoy the same rewards, security and convenience that you do. 
*Free for the 1st year, then an annual fee of AED 200 will apply from 2nd year onwards

Free supplementary card

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<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

feature card - Advanced Chip & PIN Features

Your RAKislamic World Credit Card is equipped with advanced security features, ensuring your transactions remain protected. Enjoy 3D Secure for safe online transactions, Chip & PIN technology for added security, and receive SMS alerts for every card transaction, allowing you to keep better track of your expenses.

Advanced security features

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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!

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Card Features

The credit card that keeps on giving

Eligibility & Fees

Step into a world of benefits

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