RAKBANK Islamic World Credit Card Sharia-compliant
A Sharia-compliant credit card by RAKBANK Islamic earning up to 3.75 points/AED on dining, shopping, and international spend.
AED 787.50
Up to 3.75 pts/AED
AED 20,000
1.05%
This card also has a conventional version (RAKBANK World Credit Card).
Who Is This Card For?
Quick answer before the detailed explanation
Good fit if
You spend AED 50,000+ monthly on dining, shopping, and international transactions.
Not ideal if
You prefer cashback rewards or spend mostly on domestic groceries and fuel.
Watch out for
Annual fee of AED 787.50 applies unless you spend AED 50,000 monthly.
Calculate This Card’s Value
Earning Rates
3.75 pts/AED
Cap: Up to AED 37,500/mo
3.75 pts/AED
Cap: Up to AED 37,500/mo
3.75 pts/AED
Cap: Up to AED 312,500/mo
0.35 pts/AED
0.35 pts/AED
1.25 pts/AED
Cap: Up to AED 187,500/mo
Perks
Key Strengths and Weaknesses
Strengths
Earns 3.75 points/AED on dining, shopping, and international spend with high caps.
Sharia-compliant structure for customers seeking Islamic banking products.
Includes Careem Plus membership as a complimentary perk.
Welcome bonus of AED 750 after spending AED 7,500 in 60 days.
Watch out for
AED 787.50 annual fee waived only if you spend AED 50,000 monthly.
Minimum salary requirement of AED 20,000 limits eligibility.
Education and utilities earn only 0.35 points/AED with no cap benefit.
Fees & Conditions
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Comparison fit72/100
Frequently Asked Questions
Is the annual fee worth it?
The AED 787.50 annual fee is waived if you spend AED 50,000 or more monthly. If you meet this threshold and regularly spend on dining, shopping, and international transactions at 3.75 points/AED, the card can deliver strong value.
What is the minimum salary to apply?
You need a minimum monthly salary of AED 20,000 to be eligible for the RAKBANK Islamic World Islamic Credit Card.
How does the welcome bonus work?
You receive AED 750 in value after spending AED 7,500 within the first 60 days of card membership.
Does this card earn rewards on school or university fees?
Yes, education spending earns 0.35 points/AED with no monthly cap, though this is lower than the 3.75 points/AED on dining, shopping, and international spend.
Can I use this card abroad?
Yes, international spending earns 3.75 points/AED up to AED 312,500 monthly. However, a 1.05% foreign exchange markup applies to all foreign currency transactions.