RAKBANK Titanium Credit Card
A no-fee cashback credit card by RAKBANK with 5% 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 focus spending on travel, international purchases, or premium lifestyle categories.
Watch out for
Monthly caps of AED 100 each on groceries and dining limit high earners.
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 March 2026.
Watch out for
AED 100 monthly cap on groceries and dining limits high spenders.
Only 0.25% cashback on education and utilities.
Weak rewards for travel and international spending.
Fees & Conditions
Cards Worth Comparing
Explore similar UAE credit cards and alternatives worth comparing based on rewards, fees, salary requirements, and spending fit.
Similar Cards
Close alternatives with similar reward patterns, eligibility requirements, and fee positioning.
FAB Islamic
Cashback Credit Card
Similarity score84/100
ADCB
365 Cashback Credit Card
Similarity score83/100
Mashreq
Platinum Plus Credit Card
Similarity score79/100
Citibank
Premier Credit Card
Similarity score78/100
Compare With
Cards that solve a similar need but with different trade-offs in fees, rewards, eligibility, or reward currency.
ADCB Islamic
365 Cashback Credit Card
Comparison fit81/100
FAB
Cashback Credit Card
Comparison fit78/100
RAKBANK
World Credit Card
Comparison fit77/100
Emirates Islamic
Switch Cashback Credit Card (Lifestyle Option)
Comparison fit73/100
Frequently Asked Questions
Is there an annual fee for the RAKBANK Titanium Credit Card?
No, this card has zero annual fee and no joining fee, so you keep all your cashback without fee offsets.
What is the cashback rate on groceries and dining?
You earn 5% cashback on groceries and 5% on dining, each capped at AED 100 per month. Shopping earns 2% capped at AED 200 monthly, and all other spending earns 1% with no cap.
Does this card earn cashback on school or university fees?
Yes, education spending earns 0.25% cashback with no cap. This rate is lower than the 5% on groceries and dining or 2% on shopping.
Can I use this card abroad without high fees?
The foreign exchange markup is 1.05%, which is low compared to many UAE cards. However, the card's cashback structure favors local groceries, dining, and shopping over travel.
How does the welcome bonus work?
You receive 350 points (equivalent to AED 350 cash bonus) as a limited-time offer until 31 March 2026. Minimum spend criteria apply, though the exact threshold is not specified.