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RAKBANK Emirates Skywards Savings Account

By opening a RAKBANK Emirates Skywards Savings Account with a minimum balance of AED 500,000 and spending AED 5,500 on Emirates flights using your RAKBANK Emirates Skywards World Elite Mastercard Credit Card.

  • Start enjoying exclusive benefits of RAKBANK Elite when you avail this account
    • • Dedicated Relationship Manager
    • • Exclusive Service Centres
    • • Preferential Exchange Rates
    • • Golf Course Access
    • • Valet Services
  • Fast track to Emirates Skywards Gold tier membership
  • Earn Skywards Miles on your account balances over AED 500,000 and spends on RAKBANK Emirates Skywards World Elite Mastercard Credit Card
  • Customers will need to open this Account with fresh funds.
  • Customer must hold the below to avail this account:
  • RAKBANK Emirates Skywards World Elite MasterCard Credit Card
  • Emirates Skywards Loyalty Program Membership
  • For Joint Accounts opened, the tier benefits will be available for the eligible primary account holder only. Also in such cases, accrued miles, if any, will be credited in favor of the primary account holder.
  • Gold tier renewal at the annual anniversary is subject to RAKBANK Emirates Skywards World Elite MasterCard Credit Card being active and AED 500,000 as account balance.
  • AED 5,000 will be placed on hold at all times on account balances, If customer does not maintain average quarterly balances of AED 500,000 and if Emirates Skywards Gold Tier is held by customer through this account, bank will recover quarterly benefit cost of AED 1,250.
  • A Debit card is required for accessing Digital Banking facilities.

You are required to:

  • Review all other terms & conditions set out in the application form in detail;
  • Regularly check our website (www.rakbank.ae) for updates;
  • Notify the Bank in writing if there is a change in your employment or income details, contact details, residential status, identification details, financial details or any other material information as declared in the application form; and
  • Always safeguard sensitive banking details such as a/c number, cheque book, Debit Card, login ID, passwords, pin number etc.
  • The Bank may amend the features, fees, charges, terms & conditions of the Account on 60 days’ notice to you in advance.
  • If the Account is not used for a period of 1 year, it will be designated as inactive and you will not be able to transact unless activated again.
  • If the account is closed, the accumulated Skywards miles will be credited to the primary account holders’ Skywards membership account.
  • By applying for this Account, it is deemed that customer accepts terms and conditions of Emirates Skywards loyalty program operated and governed by Emirates Skywards.
  • Emirates Skywards will solely reserve the right to change, modify or amend any part of the Emirates Skywards loyalty Program at any time in accordance with their rules.
  • If the Account balance is not sufficient to settle outstanding dues, these will be recovered as and when the Account is funded or alternatively from any other account held by the customer with the Bank.
  • Click here to view the terms & conditions of RAKBANK Emirates Skywards Savings Account



  • RAKBANK Emirates Skywards Savings Account is available to individual customers. Any account found being used for business purposes will be disqualified.
  • Although there is no monthly minimum balance to be maintained in this account, the average quarterly balance (AQB) to be maintained is AED 500,000 to avoid quarterly gold tier benefit cost of AED 1,250 .
  • The Bank may close the account if KYC or identification documents are not updated regularly, or if required as internal policies or upon request from regulatory / judiciary entities.
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