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RAKBANK Titanium Business Credit Card

The RAKBANK Titanium Business Credit Card is different from the Personal RAKBANK Titanium Credit Card that you may already have. It is ideal for all your business transactions worldwide. You can use it to pay for purchase of goods such as new stock, raw materials or equipment as well as for services rendered by your local or overseas suppliers.

RAKBANK Titanium Business Credit Card comes with the following benefits:

  • No annual fee EVER!
  • Low interest rate on outstanding Retail Purchases
  • Enjoy 1% Cashback on all domestic and international retail, internet, cash transactions. Please refer to limitations below. 
  • High Credit Limit
  • Cash Advance of up to 90% of your Credit Limit
  • Up to 55 days interest free credit
  • Easy Credit Card Cheque (CCC) facility
  • Global acceptance in over 36 million establishments displaying the MasterCard® logo
  • Make Utility payments by calling 600 54 4049, using Online Banking or ATM services.
  • Additional Business Credit Cards for your key employees
  • Premium Lifestyle Privileges 

  • Premium Travel Benefits from MasterCard®. Visit http://www.mastercardmoments.com/ for details of ongoing offers and hospitality privileges worldwide.
  • Unlimited airport lounge access at Dubai, Abu Dhabi, Cairo, Kuwait, and Jordan airports. Please click here for more details.
  • Complimentary Insurance Benefits like Purchase Protection and Travel Accident Insurance benefits. that cover travel delay and abandonment, delayed baggage, loss of baggage, personal accident cover and personal liability cover. These insurance covers are brought to you by RAKBANK and offered by RAK Insurance.
  • Comprehensive Credit Shield insurance benefit that covers your Credit Card outstanding balance in the event of critical illness, permanent total disablement and death. The Credit Shield cover comes to you as complimentary for the first two Credit Card statements and thereafter a nominal monthly premium will be applicable on the outstanding balance of each month's Credit Card statement. Please refer to the Service & Price guide for the Credit Shield premium rate, and the Terms & Conditions for cover details.
  • Avail exclusive covers and discounts on premium rates on Office and Business insurance plans, provided by Third Party Insurance Companies, including but not limited to securing your office and business contents, office and business money, tenants liability, employers liability and workmen's compensation. Please call 04-213 00 00 and press 5 for Insurance for further details.

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  • Maximum Cashback is AED 1,000 per month.
  • Effective May 14th, 2020, domestic and international transactions under the category of Charities, Government Services, Bill Payments, Schools, Education, Transits, Transport, Telecommunication, Real Estate, Petrol/Gas stations, will earn 0.25% cashback for every AED 1 spent.
  • The minimum threshold to redeem cashback for the Titanium Business card is AED 100.
  • Transactions made through any of the banking channels i.e. IVR, Internet Banking, Mobile, CDMs, ATM’s, Branches or any other RAKBANK payment channels will not be eligible for any cashback/rewards.
  • 5% tolerance allowed over and above the Credit Card limit to approve the transaction - any transaction in excess of the Credit Card limit will attract over limit fee.
  • Cash advances are permitted only up to 90% of the Credit Card limit
  • Balance transfer is permitted up to 95% of available balance
  • Smart cash is permitted up to 90% of the Credit Card limit or 95% of the available balance (whichever is lower)
  • Credit Card cheque is permitted up to 90% of the Credit Card limit or 95% of the available balance (whichever is lower).
  • These services are offered subject to approval of the Bank.
  • You must provide valid identity proofs and company details and evidence them with authentic documents.
  • You are obligated to make payments under the Credit Card as per due date to avoid late payment fees & finance charges.
  • The Bank may amend the features, fees, charges, terms & conditions of the Credit Card on 60 days’ notice to you in advance.
  • The Bank may amend the interest rate for the Finance on 30 days’ notice to you in advance.

 

Warnings:

  • If you are late in payment or fail to make the applicable payments on the due date, you will pay default interest at the rates described in the Service & Price Guide. 
  • If you make only the minimum payments during each billing period, you will pay more in interest and it will take you longer to pay off your outstanding balance.
  • If you fail to make a payment or otherwise breach the Credit Card terms, this will be a default and the Bank will be entitled, among other things, to:
    • (a) Cancel the Credit Card and demand full repayment immediately;
    • (b) Report the default to the appropriate regulatory authorities including the UAE Central Bank, Al Etihad Credit Bureau and other credit rating agencies, which will affect your credit rating;
    • (c) Bring legal proceedings against you.
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  • RAKdirect Number 600 54 4049
  • Phone Banking 042130000