MoneyVS

RAKBANK World Cashback Credit Card

Cashback card from RAKBANK.

RAKBANK World Cashback Credit Card
View on RAKBANK site Compiled by Joe Hickman ยท details checked 2 Nov 2026 against RAKBANK's own page
Annual fee
AED 997.5 from yr 2

No fee in year one. AED 997.50 (incl. VAT) after that, waived if you spend AED 100,000 in the previous year.

Minimum monthly salary
AED 20,000
Welcome bonus
None listed right now

Our take

10% cashback on travel, supermarkets and dining once you spend AED 10,000 a month, with lounge access and airport transfers.

Good for

High spenders who travel and eat out a lot.

Watch out for

The AED 997.50 fee from year two is only waived at AED 100,000 annual spend.

Written by Joe Hickman from RAKBANK's published terms. Not personal advice.

What it's worth in practice

At AED 12,000 a month (AED 2,000 on travel, AED 2,500 at supermarkets, AED 1,500 on dining, AED 6,000 elsewhere) you'd earn AED 200 + 250 + 150 + 60, about AED 660 a month or AED 7,900 a year, within the category caps. That covers the AED 997.50 fee (charged from year two) within two months. The card only pays anything in months you spend AED 10,000 or more. If your spending is lower or uneven, RAKBANK Titanium Cashback is free and pays 5% on supermarkets and dining from AED 2,000 a month. The catch: drop below AED 10,000 in any month and you earn nothing, and the fee is only waived at AED 100,000 of spend a year.

What you need

Minimum salaryAED 20,000 a month
Annual fee waivedSpend AED 100,000 a yearAbout AED 8,334 a month
Top earn rates needAED 10,000 a monthAED 10,000 total monthly spend to earn any cashback
Reward capAED 1,250 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

Its AED 997.5 annual fee is higher than 31 and lower than 3 of the other 34 cashback cards with a published fee, and the bank waives it at AED 100,000 of spend a year, with the first year free. The AED 20,000 minimum salary compares with a typical AED 7,000 for cashback cards; 24 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 10,000 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 Titanium Cashback, RAKBANK Elevate, RAKBANK Air Arabia Platinum.

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 World Cashback has an annual fee of AED 997.5 from yr 2, needs a AED 20,000 salary, and earns: 10% cashback on travel (max AED 400), supermarkets (max AED 300) and dining (max AED 300). RAKBANK also offers:

  • RAKBANK Titanium Cashback: fee Free for life, salary AED 8,000. Headline earn: 5% cashback on supermarkets and dining (max AED 100 each a month).

What you earn

  • 10% cashback on travel (max AED 400), supermarkets (max AED 300) and dining (max AED 300)
  • 3% on e-wallet retail spends (max AED 150)
  • 1% on other retail spends (max AED 100)
  • Free Careem Plus for 12 months

Included benefits

  • Airport lounges
  • Airport transfers
  • Cinema offers

Many benefits need a minimum monthly spend or app registration. Check the bank's terms.

RAKBANK World Cashback: common questions

What salary do I need for the RAKBANK World Cashback?

RAKBANK asks for a minimum monthly salary of AED 20,000.

Does the RAKBANK World Cashback have an annual fee?

Yes, AED 997.5, free in the first year. It's waived if you spend AED 100,000 a year.

Is there a minimum monthly spend?

Yes. AED 10,000 total monthly spend to earn any cashback.

What happens if I spend under AED 10,000 in a month on RAKBANK World?

You earn no cashback that month. RAKBANK requires AED 10,000 of total monthly spend before any cashback is paid.

What are the RAKBANK World cashback caps?

AED 400 on travel, AED 300 each on supermarkets and dining, AED 150 on e-wallet spend and AED 100 on other retail, and AED 1,250 a month in total.

Is there an Islamic version of the RAKBANK World card?

RAKBANK says it's also offered as an Islamic card through RAKislamic.

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