TravelIslamic
RAKBANK
RAKislamic World Credit Card
Benefits unlock at AED 15,000 minimum monthly spend
The RAKislamic World Credit Card is a travel credit card from RAKBANK. It has no annual fee, and needs a minimum salary of AED 20,000 a month.
Annual fee
Free
Joining fee
Free
Min. salary
AED 20,000/mo
Rewards in
RAKrewards
Min. monthly spend
AED 15,000
Card highlights
- Earn 6.25 RAKrewards per AED on restaurants, fitness, electronics, fashion and online; 5 on international spend; 2.5 on domestic spend
- No annual fee for the primary card, ever
- Complimentary Careem Plus membership for 12 months (10% back on rides, unlimited free food delivery and more)
Earn rates
| Category | Rate |
|---|---|
| Retail | 5% |
| Dining & food | 5% |
| Online shopping | 5% |
| International spend | 4% |
| Travel | 2% |
| Supermarket | 2% |
| Fuel | 0.28% |
| Utilities | 0.28% |
| Education | 0.28% |
| Transport | 0.28% |
| Real estate | 0.28% |
Rewards on this card are capped at AED 2,800 a month across all categories (about AED 33,600 a year).
Current welcome offer
Earn an AED 750 welcome bonus
- Spend AED 10,000 within 60 days of card issuance to qualify
- Apply and have your card issued between 20 July and 31 October 2026 via the RAKBANK app
- New RAKBANK customers, or existing customers with no RAKBANK Islamic product; self-employed not eligible
Expected offer expiry: October 2026
Benefits & perks
- •Free Careem Plus membership for 12 months (includes 10% back on rides, unlimited free food delivery and more)
- •First supplementary card free for life
- •No annual fee for the primary card
Every card is checked against official bank sources. Last updated September 2026.
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More from RAKBANK
TravelWelcome offer
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
AED 1,247.40/yrView card
Updated September 2026