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Life’s more rewarding in Ras Al Khaimah, and wherever you go

Now you can enjoy even more with My Ras Al Khaimah Platinum Credit Card. Take advantage of great savings, benefits and more in Ras Al Khamiah and beyond. Not only do you earn RAKrewards on all your spends, you also enjoy discounts and privileges to suit your lifestyle, from holidays and dining to fashion, entertainment and jewelry. Shopping is also easier thanks to flexible repayments and low profit rates.

Win 500,000 RAKrewards every 3 months**

  • Spend over AED 10,000* quarterly on My Ras Al Khaimah Card and get a chance to win 500,000 RAKrewards and redeem comfortably through www.RAKrewards.ae.
  • 25 winners every quarter allows multiple opportunities for you to win the grand draw.

*25 winners inclusive of My RAK conventional and Islamic variant

**Please note that the draw for the 1st quarter of 2020 has been postponed due to the COVID-19 situation. Cardholders will still be eligible to participate in the draw on the new draw date that will be announced after the COVID-19 situation is resolved. We apologize for any inconvenience caused

Earn Triple RAKrewards on Fuel and up to 10,000 RAKrewards on cinema spends

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
  • Vouchers for Dining, Desert Safari, Boating adventure, Marhaba service, Rent a Car   
  • Wide range of electronics and home appliances and many more 

To know more about RAKrewards, please view the RAKreward leaflet

  • Free for life 
  • Competitive finance charges of 3.45% on retail and cash advance transaction 
  • Free supplementary Cards
  • Up to 55 days Profit free credit
  • Cash Advance of up to 80% of your Credit Limit
  • Lowest minimum monthly payment of just 3%
  • Send money using RAKMoneyTransfer service through Digital Banking from wherever you are, or directly from any of our branches. You can now send money to India, Sri Lanka, Philippines, Nepal, Pakistan, Europe and various other parts of the world with RAKMoneyTransfer. 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
  • 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
  • Travel Accident Insurance and Purchase Protection
  • Cardless payments with Apple Pay, Samsung Pay, Google Pay, Fitbit Pay or Garmin Pay plus cardless cash withdrawals at contactless enabled RAKBANK ATMs
  • Purchase protection in case of theft or accidental damage offered by Mastercard
  • 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.
  • Unlimited, complimentary access to Lounges to over 10 Marhaba and CAC lounges in UAE, KSA, Jordan, Kuwait and Egypt.15 regional and international LoungeKey lounges across USA, UK, Canada, Germany, France, Singapore, and more. Please click here for more details.
  • Avis Car Rental Discounts: 15% off on car rental across Europe, the Middle East, Africa and Asia and 12% off on car rental in the United States and Canada.
  • Cleartrip travel discounts upto 30% – Airline and Hotel bookings. Simply go to https://www.cleartrip.ae/offers/uae/Mastercard, select your airfare and/or hotel nights, and enter promo code MASTERCARD.
  • MyUS Premium Shipping Discounts and Complimentary Membership. Simply register at: www.myus.com/welcome/mastercardpremium/
  • European Shopping Villages Luxurious shopping discount Up to 60%. Click here to know more. 
  • Bicester Village Shopping Collection Benefits offer savings of up to 60% on the recommended retail price, in their own luxuriously appointed boutiques, all year round.
  • You will be able to apply and book appointments for your travel visa needs for a flat
    fee of USD 15 With Fulfill visa assistance. Visit www.fulfillsolutions.com/mastercard to access
    the Fulfill website and apply for your travel visa. 
  • 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). Terms and conditions apply.
  • 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. Terms and conditions apply.
  • 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.

For detailed information on your Card benefits, please view the Card guide.

Enjoy up to 30% Discount at over 2,000 restaurants, Buy 1 Get 1 offers and Best Foodie Fridays offers with RAKfoodie using My Ras Al Khaimah Platinum Credit Card.

  • 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.

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