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Your RAKislamic Cards always offer you the best! 

As a RAKBANK Customer, you will be delighted to know that using your RAKislamic Card overseas will earn you upto 5% Cashback on all International Retail spends and International Cash Advances.

While using your RAKislamic Cards overseas, you will not have to select your home currency (AED) for payment of retail purchases, when offered to at Retail outlets as you will stand to miss out on two counts:

  • Exchange Rate Conversion: International Transactions when billed in home currency (AED) will be converted at an unknown exchange rate as determined by the acquiring bank in that country. This is called Dynamic Currency Conversion (DCC). When you opt for DCC on your overseas transaction you will realize that you are spending more than what you should. Every penny saved is a penny earned - RAKBANK always cares for its customers.
  • 5% Cashback: All transactions billed in your home currency (AED), but spent outside UAE will not earn you International Cashback. You deserve the reward for choosing RAKislamic Cards, so why let it go.

Please refer to the table below suggesting the extra earnings on your RAKislamic Cards by not choosing to make payments in your home currency (AED)

  With DCC Without DCC
Transaction amount (INR)
Exchange Rate (AED - INR)* 0.072 0.0684
DCC Billing Amount as per the POS slip (value in AED) 720 702.81
Maximum Cashback Earned** 3% 5%
Cashback Amount (value in AED) 21.60 34.20

*Exchange rate computed by the Merchant 
**These percentages are applicable only for World Cards

The above example clearly shows that a customer performing a transaction without opting for DCC will be charged AED 17.2 less and also earns higher Cashback for that transaction.

Use your RAKislamic Card for your spends abroad and enjoy low currency conversion rates. What's More? Your RAKislamic Cards will be accepted on all Chip and non-Chip enabled terminals.

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