The RAKBANK Titanium Credit Card offers cashback with no annual fee. It’s ideal for shoppers, diners, and streamers in the UAE.
You can apply online and unlock monthly cashback up to AED 600. This guide covers everything from eligibility to fees and lifestyle perks.
Card Highlights and Essentials
This card provides lifetime value with low entry requirements and wide earning categories. It’s best for daily users who want consistent cashback without yearly charges.
You’ll also benefit from dining, supermarket, and entertainment rewards. Support and control tools are available through mobile access.
Eligibility Criteria
To qualify for this card, you need to meet a few clear requirements. These criteria ensure you’re eligible for its full benefits.
Minimum Requirements
Here are the basic qualifications for applicants.
- Minimum income: AED 8,000 per month
- Age: 21 years or older
- Must be a UAE resident with a valid Emirates ID
Who Can Apply?
This card is open to a broad segment of working residents.
- Salaried individuals meeting the income threshold
- Existing or new RAKBANK customers
- Applicants looking for a free-for-life cashback card
How to Apply Online?
The RAKBANK Titanium Credit Card is available through a streamlined online process. It’s designed to work across devices and doesn’t need in-branch interaction.
Simple Application Steps
Follow these quick steps to start your application.
- Visit the RAKBANK website and select this card
- Enter your name, salary, ID, and contact details
- Upload your documents securely online
- Wait for approval or document verification
Required Documents
Make sure to prepare these documents in advance.
- Emirates ID (both sides)
- Salary certificate or last 3-month bank statements
- Active UAE mobile number and personal email
Cashback Rewards Breakdown
The RAKBANK Titanium Credit Card is known for its high cashback rates. Each spending category earns different percentages.
Supermarkets and Dining
You get rewarded more when you shop and dine.
- Earn up to 5% cashback on supermarket spends globally
- Get up to 5% cashback on dining, including local and international restaurants
- Cashback is credited monthly to your account
- Use the card frequently at eligible outlets to maximize value
Entertainment Cashback
This section covers streaming and cinema offers.
- Earn up to 50% cashback on cinema ticket purchases
- Enjoy up to 50% cashback on approved video streaming services
- These rewards are capped monthly under the overall cashback limit
- You must spend in the entertainment category each month to qualify
Standard Cashback
You still earn even outside core categories.
- Get up to 2% cashback on all other valid purchases
- This rate applies to both local and international spends
- Cashback builds without restriction to specific merchant types
- The reward is credited to your monthly statement
Spend & Cashback Limits
Knowing the card’s limits ensures you don’t miss out on rewards. The total cashback is capped, but you can plan to reach the max.
Monthly Cashback Cap
Here’s what to expect each month.
- Maximum AED 600 cashback per month
- Category-specific caps may apply (e.g., supermarkets vs. dining)
- Unused cashback may expire if not used on time
- Cashback calculation is based on monthly statement cycles
Travel and Lifestyle Benefits
Besides cashback, this card adds value through lifestyle offers. These vary depending on merchants and campaigns.
Perks You Can Use
Use this card for more than just purchases.
- Get dining deals and discounts at partner restaurants
- Save on travel bookings and holiday packages
- Access limited-time offers on retail, spas, and experiences
- Offers rotate monthly and are shown on the RAKBANK promotions page
0% Easy Payment Plan (EPP)
This feature turns big purchases into manageable payments. It’s useful if you want interest-free flexibility.
Details of the EPP
You must meet the merchant and transaction criteria.
- Enjoy 0% interest on eligible purchases at selected stores
- Payment terms available from 3 to 12 months
- A minimum spend may be required to activate EPP
- Offers may change monthly based on partner merchants
Fees and Interest Rates
The RAKBANK Titanium Credit Card is transparent with its costs. You avoid fees by using the card responsibly.
Main Charges to Know
Pay attention to these fees and rates.
- Annual Fee: AED 0 (Free for life)
- Retail Interest Rate: 3.45% per month
- Cash Advance Fee: 3.15% or minimum AED 105
- Late Payment Fee: AED 230
- Over-limit Fee: AED 275
RAKBANK Titanium Credit Card vs Others
The RAKBANK Titanium Credit Card is a solid choice for everyday use, especially if your goal is earning cashback over travel perks.
Its strengths include no annual fee, high cashback on groceries, dining, and entertainment, and a simple online application with full digital control. It suits UAE residents who spend consistently on daily categories.
However, it may not be ideal if you want airline miles, carry a balance, or prefer premium benefits like lounge access. Choose this card if your lifestyle matches its reward focus and spending structure.
Welcome Bonus Offer
The welcome bonus gives new cardholders an immediate reward for meeting simple conditions. You can earn AED 350 cashback after completing the qualifying spend within the required timeframe.
The offer applies when you submit your online application before 31st March 2026. Once all conditions are met, the bonus is credited automatically to your account.
Customer Support and Contact
RAKBANK provides full support through multiple touchpoints. Use these to get help or submit queries.
Verified Contact Information
Here are the official support channels.
- Head Office: RAKBANK Building, Emirates Road, Ras Al Khaimah, UAE
- Alternative Address: P.O. Box 1531, Dubai, UAE
- Customer Support (UAE): 600 54 4049
- International Support: +971 4 213 0000
- Email: [email protected]
Tips to Maximize Card Benefits
You can earn more rewards if you plan your spending. Use the card consistently in high-reward categories.
Smart Usage Advice
Follow these simple actions each month.
- Use the card for groceries and restaurants every billing cycle
- Pay for your Netflix or other streaming subscriptions with it
- Book cinema tickets online using this card to earn higher cashback
- Convert eligible large purchases into 0% installment plans
- Set billing alerts and monitor via the RAKBANK mobile app
- Avoid using the card for cash withdrawals or penalty-prone charges
Security and Digital Access
Digital tools give you full control over your account. The mobile app is equipped with safety and convenience features.
Key Digital Features
Protect and manage your card from anywhere.
- Freeze or unfreeze the card instantly
- Get real-time notifications on every transaction
- Set custom limits for spending or category use
- View and download e-statements or cashback summaries
Application Rejection – Common Reasons
Not all applications get approved. Avoid these common mistakes to improve your chances.
Avoid These Mistakes
Make sure your application is accurate and complete.
- Upload clear, valid documents with no missing fields
- Meet the AED 8,000 minimum salary requirement
- Ensure your mobile number and email are correct
- Avoid recent missed credit payments or defaults
- Don’t apply for too many cards in a short time
- Make sure your credit score meets the bank’s internal policy
Key Benefits Recap
The RAKBANK Titanium Credit Card gives strong everyday value. It’s simple to apply and powerful when used well.
- 5% cashback on dining and supermarkets
- 50% cashback on cinema and video streaming
- 2% cashback on all other spend worldwide
- No annual fee — free for life
- AED 350 welcome bonus if you apply online by the deadline
- Full app support and card controls for safety and ease
Should You Apply? Final Thoughts
The RAKBANK Titanium Credit Card is a great fit if you want maximum cashback with minimal fees. It’s ideal for regular spenders who use their card for groceries, meals, and entertainment.
If you’re a UAE resident earning at least AED 8,000 per month, this card is worth applying for. Use it wisely, and you’ll earn every dirham back.
Disclaimer
Card details, rewards, and promotions may change over time. Please visit the official RAKBANK website for the latest information before applying. This article is intended for educational purposes only.
