RAKBANK World Credit Card
A cashback credit card by RAKBANK with 10% on travel, groceries, and dining, plus 1% on all other spends.
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.
Not ideal if
Your salary is below AED 20,000 or you prefer cards without minimum spend.
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 clear monthly caps.
AED 750 welcome bonus after AED 7,500 spend in 60 days.
Lounge access, Careem Plus, and cinema buy-one-get-one perks included.
1% cashback on all other spends, capped at AED 250 monthly.
Watch out for
AED 10,000 minimum monthly spend required to earn any cashback.
AED 997.50 annual fee waived only with AED 100,000 annual spend.
AED 20,000 minimum salary requirement limits eligibility.
Fees & Conditions
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Frequently Asked Questions
What is the minimum spend to earn cashback on this card?
You must spend at least AED 10,000 per month to activate all cashback earn rates. If you spend below this threshold in any month, you earn zero cashback that month.
Is the AED 997.50 annual fee worth it?
If you consistently spend AED 10,000 or more monthly, the 10% cashback on travel, groceries, and dining, plus the AED 750 welcome bonus, can easily offset the fee. The fee is waived if you spend AED 100,000 per year.
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 reduce the effective cost of the first year's annual fee.
Can I use this card abroad?
Yes, the card works internationally with a 1.05% foreign exchange markup, which is at the low scheme-fee level. You still earn 10% cashback on eligible travel purchases abroad if you meet the AED 10,000 monthly spend.
Does this card earn cashback on school or university fees?
Yes, education spending earns 0.25% cashback, capped at AED 125 per month, provided you meet the AED 10,000 minimum monthly spend requirement.