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RAKislamic World Credit Card
Points card earning RAKrewards. Strongest on dining at 1.25 pts.
Reward rates by category
| Category | Rate | Notes from the bank’s terms |
|---|---|---|
| Dining | 1.25 pts | 1.25 RAKrewards per AED, rising to 2.5 from AED 15,000 monthly spend and 3.75 from AED 30,000. Shariah-compliant. |
| Groceries | 1.25 pts | |
| Fuel | 0.35 pts | 0.35 RAKrewards per AED on fuel, transport, bills and education. |
| Travel | 1.25 pts | |
| Online shopping | 1.25 pts | |
| Cinema | 1.25 pts | 1.25 RAKrewards per AED. No cinema offer on the bank's page. |
| International spend | 3.75 pts |
Cashback is a percentage of spend. Points and miles are shown the way each bank states them: as % back, or as points or miles per AED 1, with an approximate % value (≈) where the bank publishes what a point is worth. Miles and hotel points have no fixed cash value, so they are never converted. Cashback, points and miles are ranked separately.
Benefits
- AED 750 welcome bonus if you apply in the RAKBANK app by 31 Oct 2026
- Free in year 1, then AED 200 a year
From RAKBANK’s website, checked October 2026. Welcome offers and perks change often.
Last checked against the bank’s terms on 28 Aug 2026. Rates, fees and eligibility change often. Always confirm on RAKBANK’s own page before applying. Spotted something wrong? Tell us.
Other points cards for dining
Ajman Bank · No fee7%2SHAMS Infinite
Dubai Islamic Bank · AED 2,00010 pts (≈5%)3SHAMS Platinum
Dubai Islamic Bank · AED 52510 pts (≈5%)4SHAMS Signature
Dubai Islamic Bank · AED 1,05010 pts (≈5%)
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