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HighFlyer Platinum Credit Card

At home or away, the new RAKBANK HighFlyer Platinum Credit Card offers a world of rewards, benefits, discounts and privileges. Spend and travel for free. Unlike Airline co-brand Credit Cards, HighFlyer Platinum Credit Card is not restricted to any particular airline; rather you will have the choice of selecting any airline from the list of 300+ airlines for travel at the time of redemption. Additionally, you can also choose from a wide range of 300,000+ hotels and other travel experiences. Moreover, there are no ‘black-out’ periods while redeeming RAKrewards for travel tickets. In addition, you will earn the specific airline loyalty miles at the time of redemption for air tickets through RAKrewards.ae

  • Earn up to 350,000 standard RAKrewards monthly on all your domestic & international spends*
Total Monthly Spend (AED) RAKrewards on Domestic spend/month per AED 1 RAKrewards on International spend/month per AED 1
Up to AED 14,999 1.75 3
15,000 and above 3 5
Max Cap 175,000 175,000


*Effective May 17th, 2020, domestic and international transactions under the category of Charities, Government Services, Bill Payments, Schools, Education, Transits, Transport, Telecommunication, Real Estate, Petrol/Gas stations, will earn 0.35 RAKrewards for every AED 1 spent.

The minimum threshold to redeem RAKRewards for the HighFlyer Credit card is 10,000

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.

  • Enjoy up to 30% quarterly bonus RAKrewards
Total Retail Spend in 3 months (AED) Bonus Reward Rate Max Cap (RAKrewards)
15,000 to 19,999 10% 33,333
20,000 – 24,999 20% 75,000
25,000 and above 30% 138,889
*The bonus RAKrewards calculated will be on the total rewards earned during each quarter (eg. Jan, Feb, Mar - Q1, Apr, May, June - Q2 etc.) For example:
Month Retail Domestic Spend(AED) RAKrewards earned Remarks
Jan ‘17 2,000 3,500 @ 1.75 RAKrewards for every AED 1 spend
Feb ‘17 16,000 48,000 @ 3.00 RAKrewards for every AED 1 spend
Mar ‘17 3,000 5,250 @ 1.75 RAKrewards for every AED 1 spend
Total 21,000 56,750  
Since the total spends during the quarter is between AED 20,000 to 24,999 you will earn 11,350 (i.e. 56,750 * 20%) additional quarterly bonus RAKrewards.

Cinema Reward Offerings
 

Overall Monthly Spend (AED) On Cinema Spend RAKrewards
AED 5,000 and above AED 1 50
Maximum RAKrewards monthly cap on cinema spend is 10,000

Please click here to view more information and redeem RAKrewards  

  • No annual fee EVER!
  • Low interest rate on outstanding Retail Purchases
  • Exclusive offers on electronics, jewellery, holidays, dining, furnishing and much more
  • Up to 55 days interest free credit
  • FREE Supplementary Cards
  • FREE Travel Accident Insurance
  • Cash Advance of up to 80% of your Credit Limit
  • Privileged discounts on dining and shopping
  • Lowest minimum monthly payment of just 4%
  • Travel in style! Exclusive global discounts and privileges on premium brands and hotels on your Credit Card
  • 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 Related:

  • Complimentary access to over 25 regional and international LoungeKey Marhaba, and CAC lounges across UAE, Saudi Arabia, Jordan, Kuwait, Egypt, Morocco, USA, UK, Canada, Germany, France, Singapore
  • Up to 30% discount on travel booking via Cleartrip
  • 10% discount on Rentalcars.com 
  • 20% off AVIS car rental
  • 20% discount on Careem rides
  • 10% off on car or truck rentals with Budget
  • Hassle-free travel visa fulfilment with Fulfill Visa Services

Hotel Related:

  • 10% cashback on hotel bookings via bookings.com
  • 15% discount at IHG Hotels and Resorts

Lifestyle Related:

  • Bicester Village Shopping Collection discounts
  • Luxury brands discounts with Farfetch
  • MyUS free Premium Membership and discounts up to 30%
  • 25% discount on your first Fiit subscription
  • 20% off on grocery or food orders at Talabat
  • LingoKids learning app - 2 months-free trial (new users)  or 30% off on monthly subscriptions 
  • Priceless Specials offers on dining, leisure and more

Insurance Related:

  • Purchase protection in case of theft or accidental damage 

Click here for detailed information on Mastercard benefits and redemption process.

Shopping just got easier with the 0% Easy Payment Plan for RAKBANK Credit Cards. Convert your purchase into a 0% Easy Payment Plan, for 3, 6, 9 or 12 months, at a wide range of participating merchants. Click here for more details.

Risks & Limitations:

  • 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.
  • Please note the following on RAKrewards:
  • The Max cap on domestic spends is 175,000 RAKrewards monthly, and the max cap on international spends is 175,000 RAKrewards monthly.
  • The minimum threshold to redeem RAKRewards for the HighFlyer Credit Card is 10,000.
  • The quarterly bonus RAKrewards calculated will be on the total rewards earned during each quarter (eg. Jan, Feb, Mar - Q1, Apr, May, June - Q2 etc.)
  • Effective May 17th, 2020, domestic and international transactions under the category of Charities, Government Services, Bill Payments, Schools, Education, Transits, Transport, Telecommunication, Real Estate, Petrol/Gas stations, 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.
  • RAKrewards points 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.
  • Cash advances 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).
  • These services are offered subject to approval of the Bank.

Customer Obligations:

  • You must disclose your 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 late payment fees & finance charges.

Key Terms & Conditions:

  • 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 interest rates for the Credit Card on 30 days’ notice to you in advance.

Warnings:

  • If you are late in payment or fail to make the applicable payments on the due date, you will pay default interest 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 interest 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

Kindly Note: Minimum salary requirement is AED 10,000.

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