- Annual fee
- Free for life
- Minimum monthly salary
- AED 8,000
- Welcome bonus
- None listed right now
Free for life
Our take
Free for life, with 5% back on supermarkets and dining and 50% back on cinema and streaming once you spend AED 2,000 a month.
Good for
Families whose spend is mostly groceries, eating out and subscriptions.
Watch out for
Each category caps at AED 100 a month, AED 600 in total.
Written by Joe Hickman from RAKBANK's published terms. Not personal advice.
What it's worth in practice
This card rewards a lifestyle mix. Take AED 4,000 a month: AED 1,500 at supermarkets, AED 800 on dining, AED 100 at the cinema, AED 60 on streaming and the rest elsewhere. That earns AED 75 + 40 + 50 + 30 + about 15, roughly AED 210 a month, or AED 2,500 a year, with no annual fee. The 50% cashback on cinema and streaming is the unusual part. Each category caps at AED 100 a month, so grocery cashback stops growing at AED 2,000 of supermarket spend. If you'd rather not track categories, Wio Credit Mastercard World pays a flat 2% on all purchases. The catch: you earn nothing in any month your total spend is under AED 2,000.
What you need
| Minimum salary | AED 8,000 a month |
|---|---|
| Top earn rates need | AED 2,000 a monthAED 2,000 total monthly spend to earn any cashback |
| Reward cap | AED 600 a month in total |
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 8,000 minimum salary compares with a typical AED 7,000 for cashback cards; 15 of 28 ask for less. It has no welcome offer listed right now; 10 of the 34 other cashback cards do. The headline rates need AED 2,000 of spending a month, so it suits people who'll put their main spending on it.
RAKBANK has 4 other cards on MoneyVS: RAKBANK Red 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.
Related RAKBANK cards side by side
This RAKBANK Titanium Cashback has no annual fee, needs a AED 8,000 salary, and earns: 5% cashback on supermarkets and dining (max AED 100 each a month). RAKBANK also offers:
- RAKBANK World Cashback: fee AED 997.5 from yr 2, salary AED 20,000. Headline earn: 10% cashback on travel (max AED 400), supermarkets (max AED 300) and dining (max AED 300).
What you earn
- 5% cashback on supermarkets and dining (max AED 100 each a month)
- 50% cashback on cinema and video streaming (max AED 100 each a month)
- 2% on e-wallet retail spends and 1% on other retail (max AED 100 each)
Included benefits
- Airport lounges
- Cinema offers
Many benefits need a minimum monthly spend or app registration. Check the bank's terms.
RAKBANK Titanium Cashback: common questions
What salary do I need for the RAKBANK Titanium Cashback?
RAKBANK asks for a minimum monthly salary of AED 8,000.
Does the RAKBANK Titanium Cashback have an annual fee?
No. The bank says it is free for life.
Is there a minimum monthly spend?
Yes. AED 2,000 total monthly spend to earn any cashback.
What's the cashback cap on RAKBANK Titanium?
AED 100 per category a month and AED 600 a month in total.
Does RAKBANK Titanium give cashback on Netflix?
RAKBANK pays 50% cashback on video streaming and cinema, up to AED 100 a month each.
Compare with
- Wio Credit Mastercard World: the closest alternative
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