RAKBANK World Credit Card
A premium cashback credit card by RAKBANK offering 10% cashback on travel, dining, and groceries with monthly caps.
AED 997.50
10% travel
AED 20,000
1.05%
Who Is This Card For?
Calculate This Card’s Value
Key Strengths and Weaknesses
Strengths
10% cashback on travel, dining, and groceries with high monthly caps.
Travel cashback capped at AED 400 monthly, among the highest available.
Annual fee waived with AED 100,000 annual spend.
Includes lounge access, airport transfer, and cinema buy-one-get-one perks.
Watch out for
Requires AED 10,000 minimum monthly spend to earn any cashback.
High annual fee of AED 997.50 if spend threshold not met.
Minimum salary requirement of AED 20,000 limits eligibility.
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 100/mo · Min AED 10,000/mo spend
0.25%
Min AED 10,000/mo spend
Perks
Fees & Conditions
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 any cashback earning. If you spend less than AED 10,000 in a month, you earn zero cashback for that month regardless of your spending.
How much cashback can I earn on dining and groceries?
You earn 10% cashback on both dining and groceries, capped at AED 300 per month for each category. This means you need to spend AED 3,000 in each category to reach the monthly cap.
Is the annual fee waived?
The AED 997.50 annual fee is waived if you spend AED 100,000 or more per year. This works out to approximately AED 8,333 per month on average.
Can I use this card abroad without high fees?
The card charges a 1.05% foreign exchange markup on international transactions, which is relatively low compared to many other cards. However, there is no specific foreign spend bonus beyond the standard earn rates.
What is the welcome bonus offer?
You must spend AED 7,500 within the first 60 days to qualify for the welcome bonus. Specific bonus details are subject to current promotional terms at the time of application.