Cashback
RAKBANK
World Credit Card
The World Credit Card is a cashback credit card from RAKBANK. It has an annual fee of AED 997.50, and needs a minimum salary of AED 20,000 a month.
Annual fee
AED 997.50
Joining fee
Free
Min. salary
AED 20,000/mo
Rewards in
Cashback
Min. monthly spend
AED 10,000
Card highlights
- 10% cashback on travel (cap AED 400/mo), dining and supermarkets (cap AED 300 each/mo)
- 3% cashback on e-wallet retail spend (cap AED 150/mo), 1% on standard retail (cap AED 100/mo)
- Complimentary airport lounge access via Mastercard Travel Pass (1,300+ lounges) plus 2 free Careem airport rides a year
- USD 500,000 travel medical cover, 50% off VOX Cinemas (up to 4 tickets a month) and free Careem Plus for 12 months
Earn rates
| Category | Rate | Monthly cap |
|---|---|---|
| Travel | 10% | AED 400 |
| Supermarket | 10% | AED 300 |
| Dining & food | 10% | AED 300 |
| Retail | 3% | AED 150 |
| Online shopping | 1% | AED 100 |
| International spend | 1% | No cap |
| Fuel | 0.25% | No cap |
| Utilities | 0.25% | No cap |
| Education | 0.25% | No cap |
| Transport | 0.25% | No cap |
| Real estate | 0.25% | No cap |
Rewards on this card are capped at AED 1,250 a month across all categories (about AED 15,000 a year).
Current welcome offer
Earn AED 750 as a welcome bonus
- Spend AED 10,000 within 60 days of card issuance to qualify
- Apply via the RAKBANK app and have the card issued between 31 August and 31 October 2026
- Open to existing RAKBANK customers without a current RAKBANK credit card; self-employed applicants are not eligible
- Bonus credited within 90 business days of promotion end; reversed if card is cancelled within 12 months
Expected offer expiry: October 2026
Benefits & perks
- •Complimentary access to 1,300+ airport lounges worldwide via Mastercard Travel Pass
- •2 complimentary airport rides per year with Careem within the UAE (up to USD 30 each)
- •Travel medical cover up to USD 500,000 for emergency medical expenses
- •Baggage and trip inconvenience cover
- •Mastercard purchase protection against damage, theft or loss
- •Secure Wallet cover up to AED 10,000 worldwide against card misuse after loss or theft
- •Free Careem Plus membership for 12 months
- •50% off selected VOX Cinemas tickets: up to 4 tickets per card per month
- •20% off 1 talabat order per month
- •1 GB complimentary global roaming data per year with Flexiroam
- •First supplementary card free for life
Every card is checked against official bank sources. Last updated September 2026.
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Featured in the Perkly Card Index
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No annual feeView card
Updated September 2026