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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
- Zero FX markup plus 100% cashback on SALIK and DARB toll top-ups (up to AED 200/month)
- 1,200+ complimentary airport lounges (Mastercard Travel Pass) plus 2 Careem airport rides a year
- Free valet parking, 15% off IHG Hotels and discounts on flight bookings via RAKrewards portal
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% |
Current welcome offer
Earn 50,000 RAKrewards as a welcome bonus
- 50,000 RAKrewards for spending AED 10,000 within the first 3 statement cycles
- Lifetime annual fee waiver for all applications received by 31 December 2026
Expected offer expiry: December 2026
Benefits & perks
- •Complimentary access to 1,200+ airport lounges 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)
- •Zero bank foreign-exchange markup (only the 1.15% Mastercard scheme charge applies)
- •2 complimentary Careem airport rides per year
- •Global Blue Tax Refund City VIP lounge access
- •Airport VIP fast-track lanes
- •Free valet parking at select locations
- •IHG Hotels 15% discount 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 July 2026.
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More from RAKBANK
Cashback
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
No annual feeView card
Updated June 2026
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