- Annual fee
- Free for life
- Minimum monthly salary
- AED 5,000
- Welcome bonus
- None listed right now
Free for life
Our take
Free-for-life card paying up to 1.5% cashback on local and international spending, plus one free international transfer a month.
Good for
Low earners who want simple cashback with no fee.
Watch out for
Cashback caps at AED 300 a month and needs a minimum spend RAKBANK doesn't publish on the card page.
Written by Joe Hickman from RAKBANK's published terms. Not personal advice.
What it's worth in practice
Spend AED 6,000 a month and you'd get up to AED 90 back at the 1.5% top rate: up to AED 1,080 a year, on a card that's free for life and works the same abroad. The feature expats notice is one free international money transfer a month, worth having if you send money home. ADCB Essential Cashback is the safer free alternative if you want a published rule: 1.25% in any month you spend AED 5,000. RAKBANK's cashback needs a minimum spend each statement that it doesn't publish on the card page. That unknown threshold is the catch, along with 0.25% on fuel, bills, school fees, telecom and government payments, and a cap of AED 300 cashback a month.
What you need
| Minimum salary | AED 5,000 a month |
|---|---|
| Reward cap | AED 300 a month |
Taken from RAKBANK's own page. Spend rules usually count retail purchases only, not cash, bills or government payments, unless the bank says otherwise.
How it compares
It's one of 11 free-for-life cashback cards on MoneyVS, out of 35. The AED 5,000 minimum salary compares with a typical AED 8,000 for cashback cards; 0 of 28 ask for less. It has no welcome offer listed right now; 10 of the 34 other cashback cards do.
RAKBANK has 4 other cards on MoneyVS: RAKBANK Titanium Cashback, RAKBANK World Cashback, RAKBANK Air Arabia Platinum, RAKBANK Elevate.
Compared with the 35 cashback cards on MoneyVS, using each bank's published figures as of 2 Nov 2026.
What you earn
- Up to 1.5% cashback on local and international spends
- 0.25% on government, bills, schools, telecom, transport, real estate and fuel
- One free international money transfer a month
Included benefits
No headline benefits listed by the bank.
RAKBANK Red Cashback: common questions
What salary do I need for the RAKBANK Red Cashback?
RAKBANK asks for a minimum monthly salary of AED 5,000.
Does the RAKBANK Red Cashback have an annual fee?
No. The bank says it is free for life.
Does RAKBANK Red include free international transfers?
Yes. RAKBANK lists one free international money transfer a month.
What's the minimum spend for RAKBANK Red cashback?
RAKBANK says cashback needs a minimum spend each statement cycle but doesn't publish the amount on the card page. Ask the bank before relying on the 1.5% rate.
Compare with
- ADCB Essential Cashback: the closest alternative
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No welcome bonus right now
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