TravelIslamic
RAKBANK
RAKislamic World Credit Card
Standard rate below AED 10,000 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
Card highlights
- Earn 3.75 RAKrewards per AED on international spend, 1.25 on domestic
- No annual fee for the primary card
- Free Careem Plus membership for 12 months (10% back on rides, free food delivery and more)
Earn rates
| Category | Rate |
|---|---|
| International spend | 3% |
| Travel | 1% |
| Retail | 1% |
| Supermarket | 1% |
| Dining & food | 1% |
| Online shopping | 1% |
| 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 cash bonus
- Spend AED 10,000 within 60 days of card issuance to qualify
- Apply via the RAKBANK app and have the card issued between 20 July and 31 October 2026
- New RAKBANK customers or existing customers with no RAKBANK Islamic product only, self-employed applicants are 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, DineOut BOGO and more)
- •No annual fee for the primary card
- •First supplementary card free for life (additional supplementary cards at AED 210/year)
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