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RAKBANK
Watani Credit Card
The Watani Credit Card is a travel credit card from RAKBANK. It has no annual fee, and needs a minimum salary of AED 15,000 a month.
Annual fee
Free
Joining fee
Free
Min. salary
AED 15,000/mo
Rewards in
RAKrewards
Card highlights
- Earn 5 RAKrewards per AED 1 on international spend, 3 on domestic spend
- Unlimited complimentary airport lounge access worldwide via Mastercard Travel Pass, plus 2 complimentary Careem airport rides a year (capped at USD 30 each)
- 100% cashback on Salik/DARB toll top-ups (up to AED 200/month) and video streaming (up to AED 100/month), both requiring AED 10,000 monthly spend
- Free for life, zero bank FX markup, Global Blue Tax Refund VIP Lounges and airport fast-track lanes
Earn rates
| Category | Rate |
|---|---|
| International spend | 4% |
| Travel | 2.4% |
| Retail | 2.4% |
| Dining & food | 2.4% |
| Online shopping | 2.4% |
| Supermarket | 0.48% |
| Fuel | 0.32% |
| Utilities | 0.32% |
| Education | 0.32% |
| Transport | 0.32% |
| Real estate | 0.32% |
Spend in European Economic Area countries earns 0.5 RAKrewards per AED 1, against 5 per AED 1 on other international spend. In Perkly's terms that is about 0.4% back, not the international rate shown above.
Current welcome offer
Earn 50,000 RAKrewards plus an AED 500 bonus and a fee waiver
- 50,000 RAKrewards when you spend AED 10,000 in the first 3 statement cycles
- AED 500 bonus: apply via the RAKBANK app, card issued between 20 July and 31 October 2026, then spend AED 5,000 within 60 days of card issuance
- Lifetime annual fee waiver for applications received by 31 December 2026
- After that date: first year free, then AED 1,048.95 a year unless annual spend reaches AED 120,000
- New RAKBANK customers or existing customers with no RAKBANK Islamic product; self-employed applicants not eligible
Expected offer expiry: December 2026
Benefits & perks
- •Unlimited complimentary airport lounge access worldwide via Mastercard Travel Pass
- •100% cashback on Salik and DARB toll top-ups: up to AED 200/month (with AED 10,000 monthly spend)
- •100% cashback on video streaming subscriptions: up to AED 100/month (with AED 10,000 monthly spend)
- •2 complimentary airport rides per year with Careem within the UAE (capped at USD 30 each)
- •Complimentary Playtomic premium subscription for 6 months, with first padel game discounted up to AED 100
- •Global Blue Tax Refund City VIP Lounges access
- •Airport VIP fast-track lanes via Global Blue
- •Zero bank foreign exchange markup (only 1.15% Mastercard scheme charge applies)
- •Free valet parking at select locations
- •IHG Hotels 15% off and other hotel offers
- •Car rental savings
- •First supplementary card free
- •Exclusive Mastercard offers
- •Free for life (no annual fee)
- •Card printed on recyclable materials
About this card
- •Salik/DARB toll cashback: up to AED 2,400 per year (capped at AED 200 per month)
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