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 an annual fee of AED 787.5, and needs a minimum salary of AED 20,000 a month.
Annual fee
AED 787.5
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 dining, fitness, electronics, fashion and online; 5 on international spend; 2.5 on local
- Free Careem Plus for 12 months: 10% back on rides, unlimited free food delivery and DineOut BOGO
- No annual fee in year 1; AED 787.50 from year 2, waived with AED 50,000 annual spend
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
No annual fee in the first year
- AED 787.50 annual fee from year 2, waived if you spend AED 50,000 in the previous year
Benefits & perks
- •Free Careem Plus membership for 12 months (10% back on rides, unlimited free food delivery, DineOut BOGO, 30% off e-bike passes and more)
- •Free supplementary card (first card free for life)
- •Cash advance up to 80% of the credit limit
- •No annual fee in year 1; waived from year 2 with AED 50,000 annual spend
- •Sharia-compliant Mastercard (RAKislamic)
Every card is checked against official bank sources. Last updated July 2026.
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More from RAKBANK
RED Credit Card
Benefits unlock at AED 1,000 minimum monthly spend
- Earn 1% cashback on all local and international spend (AED 1,000-2,999/month, capped AED 300)
- Free for life with one free monthly international remittance
Updated June 2026
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