RAKBANK World Credit Card
A cashback credit card by RAKBANK with 10% cashback on travel, groceries, and dining for high spenders.
AED 997.50
10% travel
AED 20,000
1.05%
This card also has an Islamic/Sharia-compliant version (RAKBANK Islamic World Credit Card).
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend AED 10,000 or more monthly on travel, groceries, and dining combined.
Not ideal if
You earn below AED 20,000 salary or rarely use premium travel perks.
Watch out for
AED 10,000 minimum monthly spend required to activate all cashback earn rates.
Calculate This Card’s Value
Earning Rates
10%
Cap: Up to AED 400/mo · Min AED 10,000/mo spend
10%
Cap: Up to AED 300/mo · Min AED 10,000/mo spend
10%
Cap: Up to AED 300/mo · Min AED 10,000/mo spend
1%
Cap: Up to AED 250/mo · Min AED 10,000/mo spend
0.25%
Cap: Up to AED 125/mo · Min AED 10,000/mo spend
0.25%
Cap: Up to AED 125/mo · Min AED 10,000/mo spend
Perks
Key Strengths and Weaknesses
Strengths
10% cashback on travel, groceries, and dining with AED 10,000 monthly spend.
AED 750 welcome bonus after spending AED 7,500 in first 60 days.
Annual fee waived if you spend AED 100,000 per year.
Includes lounge access, Careem Plus, and cinema buy-one-get-one offers.
Watch out for
AED 10,000 minimum monthly spend required to earn any cashback at all.
AED 997.50 annual fee unless you meet AED 100,000 annual spend waiver.
Education and utilities earn only 0.25% cashback with low AED 125 caps.
Fees & Conditions
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Frequently Asked Questions
What is the minimum monthly spend to earn cashback?
You must spend at least AED 10,000 every month to activate all cashback earn rates. If you spend less than AED 10,000 in any month, you earn zero cashback that month.
Is the AED 997.50 annual fee worth it?
Yes, if you consistently spend AED 10,000 or more monthly on travel, groceries, and dining. The 10% cashback on these categories can easily offset the fee, and the fee is waived if you spend AED 100,000 annually.
How does the welcome bonus work?
You receive AED 750 cashback after spending AED 7,500 within the first 60 days of card approval. This bonus helps offset the annual fee in your first year.
Does this card earn cashback on school or university fees?
Yes, education spending earns 0.25% cashback, capped at AED 125 per month. You still need to meet the AED 10,000 minimum monthly spend to activate this rate.
Can I use this card abroad without high fees?
The card has a 1.05% foreign exchange markup, which is low compared to many UAE cards. Combined with 10% travel cashback, it can be cost-effective for international purchases if you meet the monthly spend threshold.