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RAKislamic Platinum Credit Card

We believe you simply deserve the best. That’s why in keeping with your lifestyle we have created the Platinum Credit Card just for you.


Introducing the new Sharia compliant Platinum Credit Card which is more customer friendly than ever and offers you a world of rewards, and benefits.  The Platinum Credit Card offers you RAKrewards, Global Acceptance & Cash Withdrawals Anywhere, Premium Lifestyle Privileges, RAKfoodie dining privileges, Premium Global Mastercard® Privileges, Travel benefits, Takaful Benefits, Easy Payment of Utility Bills, Flexible Payments, and No Annual Fee Ever!  Moreover, it comes with the new Mastercard Contactless Tap & Pay technology making retail transaction payments hassle free, quick and easy.

Use your Platinum Credit Card today and start earning RAKrewards right away. The more you spend, the more you earn.*

Spend Tires RAKrewards on spends/month per AED 1 on domestic transactions RAKrewards on spends/month per AED 1 on International transactions
Up to AED 14,999.99 1.25 1.25
AED 15,000 - AED 29,999 2.50 2.50
AED 30,000 & above 3.75 3.75
Max Reward Cap in a month (statement cycle) 125,000 125,000

​For redemption, the minimum available RAKrewards balance should be 10,000.

You benefit from the RAKrewards partnerships to earn and redeem your rewards. Amongst  the large range of redemption choices available are:

  • Over 300+ Airlines, 300,000+ hotels and a host of travel experiences
  • Dining Vouchers
  • Wide range of electronics and home appliances
  • RAKrewards are valid for 36 months.

Please click here to view more information and redeem RAKrewards

IHG Hotels and Resorts discounts

  • 15% discount on ‘Best Available Rate’
  • A complimentary welcome drink on arrival at the relevant Participating Property
  • Complimentary late checkout from the Participating Property (i.e., checkout at 16h00 at the latest)

Budget Truck and Car Rental offer
Get access to affordable car rental offers with Budget with up to 10% off on car or truck rental.

Avis Car Rental 
Whether you are traveling with your family or on a business trip, enjoy exclusive benefits with Avis:

  • Up to 20% off your next car rental
  • A complimentary upgrade with every rental
  • No annual fee EVER!
  • Exclusive offers on electronics, jewellery, holidays, dining, furnishing and much more
  • Up to 55 days to make the payment.
  • FREE Supplementary Cards
  • FREE Purchase Protection
  • FREE Travel Accident Takaful
  • Cash Advance of up to 80% of your Credit Limit
  • Privileged discounts on dining and shopping
  • Lowest minimum monthly payment of just 3%
  • Travel in style! Exclusive global discounts and privileges on premium brands and hotels on your Credit Card
  • Enjoy hundreds of complimentary Buy 1 Get 1 offers throughtout Middle East & Africa across dining, cafes, entertainment and attractions  powered by the Buy 1, Get 1 Mastercard for You app
  • Book with Uber and enjoy 20% OFF the first three rides every month up to AED 12 on each ride. Simply download the Uber app from the Google Play Store or App Store and add your RAKBANK Mastercard as your payment method to get 20% discount automatically renewed every month.
  • Complimentary access to over 10 VIP lounges in unlimited airport lounge access at Dubai, Abu Dhabi, Cairo, Kuwait, Saudi Arabia and Jordan airports. Please click here for more details.
  • MyUS Premium Shipping Discounts and Complimentary Membership. Simply register at: www.myus.com/welcome/MasterCard/
  • Cleartrip travel discounts upto 30% – Airline and Hotel bookings. Simply go to http://www.cleartrip.ae/offers/united-states/Mastercard, select your airfare and/or hotel nights, and enter promo code MASTERCARD.
  • European Shopping Villages Luxurious shopping discount Up to 60%. Click here to know more.
  • Pay your Credit Card bills at any RAKBANK ATM or EDM, or one of the following exchange houses: UAE Exchange, Redha Al Ansari Exchange, Al Ansari Exchange, Sharaf Exchange, Al Fardan Exchange or Lulu Exchange outlets.
  • Up to 10% discount on the price of your booking at properties in over 200 countries and territories. Simply visit https://www.hotels.com/hotel-deals/mastercard-ar and apply the promo code ‘MastercardMEA’ upon checkout with your RAKislamic Mastercard. Applicable to bookings paid in full online with an eligible card.
  • Farfetch 10% discount on over 700 boutiques and brands from around the world, Farfetch ships to customers in almost 190 countries. Explore the marketplace at Farfetch.com, and use the code ‘MASTERCARD10’ to avail 10% off site wide products. This discount is eligible off full priced items only.
  • On your next vacation get up to 10% Cashback on Booking.com with your RAKislamic Mastercard Credit Card. Simply register on www.booking.com/mastercardmea and make a booking entering your eligible RAKislamic Mastercard Credit Card details upon checkout. (Please note that the Cashback will be credited to your Card. The time to credit cashback may vary as per the T&Cs).*
  • Enjoy 10% OFF the price of your booking on rentalcars.com, the world’s leading online car rental aggregator. It arranges car rentals from major and local brands in 60,000 locations, across 160 countries. Simply go to https://www.rentalcars.com/?affiliateCode=mastercard047&enabler=mastercardme to make your booking. The discount will be applied at checkout, after you enter your eligible RAKislamic Mastercard Credit Card details.*
  • Explore 2–for-1 Priceless offers and discounts to discover new restaurants and treat the family to a vacation for less. Use it across the UAE, KSA, Bahrain, Oman, Kuwait, Jordan, and Lebanon. For new users, simply download the Priceless Specials mobile app from the App Store or Google Play Store and register with the first 8 digits of your Card to start saving. For existing users, your Mastercard Buy 1 Get 1 app will be updated to Priceless Specials app.*

*Terms and conditions apply

With RAKfoodie you can enjoy up to 30% Discount at over 2,000 restaurants using your RAKislamic Cards.

  • 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 upgrade fee.
  • Cash withdrawals are permitted only up to 80% of the Credit Card limit.
  • Balance transfer is permitted up to 95% of available balance.
  • Smart cash is permitted up to 80% of the Credit Card limit or 95% of the available balance (whichever is lower).
  • Credit Card cheque is permitted up to 80% of the Credit Card limit or 95% of the available balance (whichever is lower).
  • Effective May 17th, 2020, all spends under the category of Charities, Government Services, Bill Payments, Schools, Education, Transits, Transport, Telecommunication, Real Estate will earn 0.35 RAKrewards for every AED 1 spent.
  • 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
  • These services are offered subject to approval of the Bank.
  • Customer must disclose their income accurately, provide valid identity and employment details and evidence them with authentic documents.
  • Customer is obligated to make monthly payments due under the Credit Card as per due date to avoid donation amount & 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 profit rates for the Credit Card on 30 days’ notice to you in advance.



  • 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 & Price Guide.
  • If you make only the minimum payments during each billing period, you will pay more in finance charges 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.
*Note: Verification Image text is case sensitive

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