Introducing the RAKislamic Emirates Skywards World Elite Mastercard Credit Card

Dive into a world of benefits with RAKBANK's Emirates Skywards Islamic World Elite Card. Apply now and enjoy exclusive privileges at RAKislamic from RAKBANK.


Apply for Emirates Skywards Islamic Elite Card | RAKislamic

Emirates Skywards World Elite

RAKislamic Emirates Skywards World Elite Credit Card

Experience stress-free travel with complimentary airport transfers. Make your journeys more comfortable and convenient with up to six complimentary airport transfers annually. Check out our brochure for more information.
To schedule or arrange for your airport pick-up / drop-off, please call&nbsp;Derby Concierge Airport at 04 4941515.

Travel - Complimentary Airport Transfers

Six complimentary airport transfers

Terms And Conditions

Terms and Conditions

Be treated to dedicated VIP lifestyle concierge services 24/7 around the world.
For luxury travel planning, access to the best in fine dining and exclusive events for your entertainment, let the World Elite&trade; Mastercard&reg; Concierge take care of everything for you while you make the most of your time.
Our exceptional concierge professionals are prepared to help you create extraordinary experiences or assist in planning your perfect vacation &mdash; from reserving the chef's table for a special anniversary to lining up a celebrity guest for a party. And, we can assist with tasks like purchasing event tickets, making dinner reservations, securing a limousine, or finding a babysitter.
Our concierge can also help you pocket those impossible-to-find concert tickets, see limited edition designer collection items, and gain exclusive access to VIP events and previews.

Travel - 24/7 VIP Lifestyle Concierge Services

 24/7 VIP lifestyle concierge services

Profit per month: 3.45%

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Card Features

Elite lifestyle and travel benefits

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Buy Skywards Miles for yourself or as a gift

feature card - 15% discount

You can enjoy 15% discount when buying Skywards Miles for yourself or as a gift to another Emirates Skywards member. 
 
Skywards Miles can be purchased online by visiting emirates.com. Simply login to your Emirates Skywards Account and follow the Buy Miles or Gift Miles process. Certain limitations may apply. 
 
The 15% discount will automatically be applied upon payment for Skywards Miles, so long as you are logged in and pay with your RAKislamic Emirates Skywards World Elite Credit Card.

15% discount on 'Buy and Gift Miles'

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Download the RAKBANK Mobile app!

Discover the RAKBANK App and enjoy cutting-edge Digital Banking services at your fingertips. Seamlessly manage your accounts, conduct secure transactions, and enjoy a range of innovative features – all in one user-friendly platform.

Scan the QR code to download the app from the Google Play Store

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Bank on the go anytime, anywhere

Earn up to 40,000 Skywards Miles or up to your card's assigned limit, with a minimum spend of AED 2,000 required before earning any Skywards Miles. Note: Skywards Miles awarded will be halved if special category spends (see website for details) exceed 50% of total transactions for the month.

Earn up to 40,000 Skywards Miles or up to your card's assigned limit, with a minimum spend of AED 2,000 required before earning any Skywards Miles. Note: Skywards Miles awarded will be halved if special category spends (see website for details) exceed 50%

Terms and Conditions Notification

<ul>
<li>The Bank may amend the features, fees, charges, terms and conditions of the Credit Card with 60 days&rsquo; notice to you in advance.</li>
<li>The Bank may amend the profit rates for the Credit Card with 30 days&rsquo; notice to you in advance.</li>
</ul>

Key Terms and Conditions

Use our branch and ATM machine locator to find the nearest RAKBANK facility to you within the Middle East, in just a few clicks. Timings are available too.


RAKBANK Branches And ATM Machines Near Me In UAE

Branches & ATMs

feature card - 20,000 Skywards Miles Joining Bonus

Your benefits start the moment you join the cardholders club! 
You will receive a joining bonus of 20,000 Skywards Miles if you go with an annual fee of AED 1,499. The bonus Skywards Miles will be credited within a week of the next statement cycle. 
The card is also available with a first-year-free offer without the joining bonus miles.

20,000 Skywards Miles joining bonus

Travel

10% cashback on hotel bookings with Booking.com

With millions of properties in over 200 countries and territories, Booking.com provides incomparable choices. Now when you book your next staycation or vacation using your RAKislamic Emirates Skywards World Elite Credit Card, you can expect up to 10% cashback at hundreds of thousands of properties locally and around the world.

Travel - 10% Cashback on Hotel Bookings with Booking.com

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Islamic Emirates Skywards World Elite

Minimum monthly salary / income AED 25,000

Min monthly salary/income AED 25,000

Member benefits throughout your card validity

feature card - Silver Tier Membership

Upgrade your lifestyle with the many benefits granted by the Emirates Skywards Silver tier membership.
 
You will be entitled to Emirates Skywards Silver tier membership throughout the life of this card. If you’re an existing Silver member, the validity of your membership will be extended. Gold and Platinum members are unaffected by this offer.
 
Enjoy savings on vacation packages and privileges at more than 2,500 luxury hotels and resorts. You'll also receive unique benefits on a selection of cruises.

Guaranteed Emirates Skywards Silver tier membership

Guaranteed Silver tier membership

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Islamic

AED 50,000-above

Personal - Apply From RakMobile

Download the RAKBANK App and apply instantly

Apply through the RAKBANK App

Emirates Skywards World Elite - fee item

Transactions made through any of RAKBANK's banking channels such as IVR, Internet Banking, Mobile, CDMs, ATMs, branches or any other RAKBANK payment channels, including RMT, do not qualify for earning miles

Benefits

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When are statements issued?

<ul>
<li style="font-weight: 400;" aria-level="1">If you are late in payment or fail to make the applicable payments on the due date, you will pay default finance charges at the rates described in the Service &amp; Price Guide.</li>
<li style="font-weight: 400;" aria-level="1">If you are late in payment or fail to make a payment on the due date, you will pay default interest at the rates described in the Service &amp; Price Guide.</li>
<li style="font-weight: 400;" aria-level="1">If you make only the minimum payments during each billing period, you will pay more in finance charges</li>
<li style="font-weight: 400;" aria-level="1">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:</li>
</ul>
<ul style="list-style-type: circle;">
<li>(a) Cancel the Credit Card and demand full repayment immediately;</li>
<li>(b) Report the default to the appropriate regulatory authorities and other credit rating agencies, which will affect your credit rating;</li>
<li>(c) Bring legal proceedings against you.</li>
</ul>

Warnings

Key Fact Statement

Service and Price Guide

Murabaha Agreement

Card Offers 

Relevant Links

FAQ's

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Travel - Exclusive Booking and Global Services

Exclusive booking and global services

Annual fee: AED 1,499

Who can open this account?

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AED 5,000-19,999

AED 20,000-49,999

<ul>
<li>An additional 5% over and above the credit card limit will be allowed to process the transaction. However, any transaction in excess of the credit card limit will attract over limit fees.</li>
<li>Cards with credit balance will not be eligible for balance transfer.</li>
<li>Cardholders can earn a max monthly cap of 40,000 Skywards Miles or Miles earned on spends up to credit limit.</li>
<li>Awarding of Skywards Miles will be reduced to 50% if spend in special categories (such as charities, government services, bill payments, schools, transits, transport, telecommunication, real estate, petrol/gas stations, supermarkets, health &amp; beauty, club membership, motion pictures &amp; theatres, computer services, automobiles &amp; vehicles) exceeds 50% of total domestic and international transactions for the month.</li>
<li>Transactions made through any of the banking channels, i.e. IVR, Internet Banking, Mobile, CDMs, ATMs, branches or any other RAKBANK payment channels will not be eligible for any cashback / rewards.</li>
<li>Skywards Miles are valid 36 months from earned date, and if not redeemed within the expiry period, they will automatically lapse and will be forfeited on the expiry date as specified in the rewards statement.</li>
<li>Cash withdrawals are permitted only up to 80% of the credit card limit.</li>
<li>Balance transfer is permitted up to 95% of available balance.</li>
<li>Smart Cash is permitted up to 80% of the credit card limit or 95% of the available balance (whichever is lower).</li>
<li>Credit Card Cheque is permitted up to 80% of the credit card limit or 95% of the available balance (whichever is lower).</li>
</ul>
These services are offered subject to approval of the Bank.
&nbsp;

Risks and Limitations 

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<ul>
<li>Customer must disclose their income accurately, provide valid identity and employment details and evidence them with authentic documents.</li>
<li>Customer is obligated to make monthly payments due under the credit card as per due date to avoid donation amount &amp; finance charges.</li>
</ul>

Customer Obligations

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What is a RAKBANK Savings Account?

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Upgrade your experience

Explore our other products

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Personalized concierge services and RAKMoneyTransfer service

Enjoy exclusive personalized concierge services and RAKMoneyTransfer service through Digital Banking (RMT amount considered as retail transaction: AED 7,500)

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Annual fees for supplementary cardholder with silver tier membership and (AED 200) without silver tier membership

Emirates Skywards World Elite - fee item(2)

Travel - Emirates Skywards World Elite

Travel 

FAQ Accordion Items

feature card - Fast track

As a RAKislamic Emirates Skywards World Elite Credit Cardholder, you're entitled to fast track to an Emirates Skywards Gold tier membership by placing a deposit of AED 500,000 in a RAKislamic Emirates Skywards Savings Account. 
 
Any balance that exceeds AED 500,000 will also earn you more Skywards Miles. It has never been easier to get Gold Tier membership with Emirates Skywards.

Fast track to Gold tier membership

Earn up to 40,000 Skywards Miles monthly

Earn up to 40,000 Skywards Miles monthly (Subject to a min. spend of AED 2,000 per month)

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feature card - Earn up to 40,000 Skywards Miles

The RAKislamic Emirates Skywards World Elite Mastercard enables you to earn Skywards Miles on all your spends. 
We’re also keeping it simple for you. Skywards Miles are awarded based on total monthly spends in Dirhams.

Earn up to 40,000 Skywards Miles

feature card - Boost your Tier Miles

Boost your Tier Miles balance on the ground and fast-track to the next Emirates Skywards tier. From now until 31 March 2024, you will receive an extra Tier Mile for every 4 Skywards Miles you earn when you use your Emirates Skywards World Elite Credit Card on anything from online shopping to groceries, education, and more. 
 
You can use these miles to enjoy benefits like bonus Skywards Miles when you fly with Emirates or flydubai, Emirates lounge access, and additional baggage allowance.

Boost your Tier miles

Boost your Tier Miles

Features & Benefits

Not sure about something? Check our frequently asked questions to find what you’re looking for.

FAQ’s Help Card - Islamic

FAQs

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Experience exclusive benefits with the Emirates Skywards Islamic savings account from RAKBANK. A perfect blend of savings and rewards. Join RAKislamic, today!


Best Islamic Emirates Skywards Savings Account | RAKislamic

RAKislamic Emirates Skywards Savings Account

The best way to save meets the best way to fly

Travel - Exclusive discounts on hotels and airport transfers

Exclusive discounts on hotels and airport transfers

Travel - Personalized Airport and Travel Services

Personalised airport and travel services

With Salary Transfer

 10% off international roundtrip airfares

Going on holiday or making a business trip? Book your ticket on Cleartrip using your RAKislamic Emirates Skywards World Elite Credit Mastercard and enjoy:
<ul>
<li style="font-weight: 400;" aria-level="1">10% discount on any international roundtrip airfare</li>
<li style="font-weight: 400;" aria-level="1">No minimum amount restriction</li>
</ul>
Discounts on airfares are applicable on all airlines.

Travel -  10% Off on International Roundtrip Airfare

Introducing the RAKislamic World Credit Card

Embrace ethical banking with RAKBANK's Islamic world credit card. Check for travel benefits, lifestyle privileges and unmatched savings at RAKBANK. Explore now!


Islamic World Credit Card with RAKrewards | RAKBANK

RAKislamic World Credit Card

<ol>
<li>Your Emirates ID</li>
<li>Your Passport with valid residency visa</li>
<li>Any of the following proof of income</li>
</ol>
<ul>
<li>Salary Certificate</li>
<li>Bank Statements</li>
<li>Payslips</li>
<li>Labour Contract</li>
</ul>

Card Features

Elite lifestyle and travel benefits

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