RAKBANK Titanium Credit Card
A no-fee cashback credit card by RAKBANK with 5% cashback on groceries and dining, plus 2% on shopping.
Free
5% groceries
AED 8,000
1.05%
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend AED 5,000 to 10,000 monthly on groceries, dining, and shopping.
Not ideal if
You spend heavily on education, utilities, or categories outside the capped trio.
Watch out for
Caps of AED 100 per month on groceries and dining, AED 200 on shopping.
Calculate This Card’s Value
Earning Rates
5%
Cap: Up to AED 100/mo
5%
Cap: Up to AED 100/mo
2%
Cap: Up to AED 200/mo
1%
0.25%
0.25%
Perks
Key Strengths and Weaknesses
Strengths
5% cashback on groceries and dining with no annual fee.
2% cashback on shopping capped at AED 200 per month.
1% cashback on all other spending with no cap.
AED 350 welcome bonus with limited-time offer until 31 March 2026.
Watch out for
Groceries and dining cashback capped at AED 100 per month each.
Only 0.25% cashback on education and utilities.
1.05% foreign exchange markup on international transactions.
Fees & Conditions
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Frequently Asked Questions
Is there an annual fee for the RAKBANK Titanium Credit Card?
No, the RAKBANK Titanium Credit Card has no annual fee and no joining fee, making it a cost-free option for everyday cashback.
What are the cashback caps on groceries and dining?
You earn 5% cashback on groceries and dining, but each category is capped at AED 100 per month. Once you spend AED 2,000 in a category, additional spending earns 1%.
Does this card earn cashback on school or university fees?
Yes, but only 0.25% cashback on education spending. If school fees are a major expense, other cards may offer better value.
Can I use this card abroad?
Yes, but international transactions carry a 1.05% foreign exchange markup, which reduces the effective cashback on overseas spending.
What is the welcome bonus and how do I get it?
New cardholders receive an AED 350 cash bonus converted to points, available until 31 March 2026. A minimum spend requirement applies, though the exact amount is not specified in the terms provided.