RAKBANK
Elevate Credit Card (Privilege)
The Elevate Credit Card (Privilege) is a travel credit card from RAKBANK. It has an annual fee of AED 2,507.40, and needs a minimum salary of AED 35,000 a month.
Annual fee
AED 2,507.40
Joining fee
Free
Min. salary
AED 35,000/mo
Rewards in
RAKrewards
Card highlights
- Earn 4 RAKrewards per AED 1 on most spend (worth up to 3.2% on flights and hotels)
- Complimentary airport lounge access for you and 1 guest (1,300+ lounges) plus 6 airport transfers a year
- Elevate Premium Pass: unlimited beach club, pool and gym access; plus 4 padel games a month
- 50% off VOX cinema (up to 4 tickets a month), video streaming cashback and Careem Plus membership
Earn rates
| Category | Rate |
|---|---|
| Travel | 3.2% |
| Retail | 3.2% |
| Dining & food | 3.2% |
| Education | 3.2% |
| Online shopping | 3.2% |
| International spend | 3.2% |
| Supermarket | 0.48% |
| Fuel | 0.32% |
| Utilities | 0.32% |
| Transport | 0.32% |
| Real estate | 0.32% |
Spend in European Economic Area countries earns 0.5 RAKrewards per AED 1 instead of the tier rate, per the Elevate Key Fact Statement. The reduction applies on all three tiers, including the zero foreign transaction fee Privilege tier. In Perkly's terms that is about 0.4% back, not the international rate shown above.
Current welcome offer
Earn 125,000 RAKrewards plus 3 months free on the Privilege tier
- 125,000 RAKrewards when you spend AED 20,000 within 60 days of card issuance
- First 3 months on the Elevate Privilege tier at no charge
- Apply via the RAKBANK app and have the card issued between 31 August and 31 October 2026
- Existing RAKBANK customers only, no current RAKBANK credit card held, self-employed applicants not eligible
Expected offer expiry: October 2026
Benefits & perks
- •AED 200/month cashback on video streaming subscriptions
- •Elevate Premium Pass: unlimited access to premium beach clubs, pools and gyms
- •Airport lounge access at 1,300+ lounges for you and 1 guest (requires at least 1 international purchase of USD 1+ per 3-month period)
- •6 complimentary airport transfers per year
- •Up to 4 complimentary padel games per month
- •50% off VOX Cinema: up to 4 tickets per month
- •Careem Plus annual membership
- •2 complimentary Zofeur chauffeured rides per month (capped at AED 80 per ride)
- •Airport fast-track
- •Travel insurance
- •Dedicated RAKBANK concierge
Every card is checked against official bank sources. Last updated September 2026.
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More from RAKBANK
RAKBANK Elevate Credit Card (Plus)
- Earn 3 RAKrewards per AED 1 on most spend (supermarkets, insurance, government, petrol and utilities earn less)
- Lounge access at 1,300+ lounges plus 1 guest, 6 airport transfers a year and airport fast-track
Updated September 2026