RAKBANK Air Arabia Platinum Credit Card
A travel credit card by RAKBANK earning 0.35 points/AED on travel and international spend, plus an anniversary free return flight.
AED 420.00
Up to 0.35 pts/AED
AED 5,000
1.05%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You fly Air Arabia regularly and spend AED 5,000+ monthly on travel and international purchases.
Not ideal if
You rarely use Air Arabia or spend mostly on dining, groceries, or domestic purchases.
Watch out for
AED 20,000 annual spend required to waive the AED 420 fee, or it cuts into rewards.
Calculate This Card’s Value
Earning Rates
0.25 pts/AED
0.35 pts/AED
0.35 pts/AED
0.006 pts/AED
0.006 pts/AED
Perks
Key Strengths and Weaknesses
Strengths
0.35 points/AED on travel and international spend with no cap.
Anniversary free return flight on Air Arabia for cardholders.
20,000 AirRewards bonus points after spending AED 5,000 in 90 days.
Lounge access, airport transfer, and cinema buy-one-get-one perks included.
Watch out for
AED 420 annual fee waived only with AED 20,000 annual spend.
Utilities and education earn just 0.006 points/AED, nearly zero rewards.
AED 5,000 minimum salary restricts eligibility for some applicants.
Fees & Conditions
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Frequently Asked Questions
Is the annual fee worth it?
The AED 420 annual fee is waived if you spend AED 20,000 per year. The anniversary free return flight on Air Arabia can offset the fee if you fly the airline regularly, but you must redeem AirRewards points for flights to see value.
How does the welcome bonus work?
You receive 20,000 AirRewards bonus points after spending AED 5,000 within 90 days of card activation. These points can be redeemed for Air Arabia flights or upgrades.
What is the earn rate on travel and international spend?
You earn 0.35 points per AED on travel and international purchases, with no monthly cap. All other spend earns 0.25 points per AED.
Does this card earn on school or university fees?
Yes, but the rate is only 0.006 points per AED on education spend, which is nearly negligible. This card is not designed for education rewards.
Can I use this card abroad?
Yes, the card works internationally and earns 0.35 points per AED on foreign transactions. The 1.05% foreign exchange markup is low compared to many UAE cards.