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Cashback
RAKBANK
Titanium Credit Card
No salary transfer needed
Min. salary
AED 8,000
Annual fee
AED 0
Monthly rate
3.65%
Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
53.8%
Free for life
Applying happens on the bank's site. Himma may earn a commission at no cost to you.
01Fees & rates
What it costs.
- Annual fee
- AED 0
- Fee note
- Free for life
- Monthly rate
- 3.65%
- Effective APRiThe real annual cost when monthly interest compounds: (1 + monthly rate)¹² − 1. It is always higher than monthly rate × 12.
- 53.8%
- Minimum salary
- AED 8,000
- Salary transfer
- Not required
Bank-level rates and FX markups from official schedules of charges live in the UAE credit card rates tool; always confirm current terms in the bank's Key Fact Statement before applying.
02Rewards & perks
What you get.
- No annual fees ever; welcome offer AED 500 bonus for digital applications from 15 July to 15 September 2026 (minimum spend criteria apply)
- 5% cashback on supermarket spends and 5% on dining worldwide, capped at AED 100 per category per month
- 50% cashback on cinema and 50% on video streaming subscriptions, capped at AED 100 per category per month
- 2% cashback on e-wallet retail spends and 1% on standard retail spends, each capped at AED 100 per month
- All cashback requires minimum overall spend of AED 2,000 per month; if not achieved, no cashback is earned
- Combined cashback cap of AED 400 per month for supermarkets, dining, streaming and cinemas
- Reduced categories (charity, government services, bill payments, schools, education, transits, transport, telecommunication, real estate, petrol/gas stations) earn 0.25%, capped at AED 50 per month
- Complimentary airport lounge access and complimentary travel insurance
- IHG Hotels & Resorts offer: 15% off room rates, complimentary welcome drink, late check-out
- Discount offers on lifestyle privileges such as Talabat and Fiit
- Cashback valid 15 months; minimum redemption AED 100
Educational tool only: not financial advice and not a recommendation of any card. Figures reflect Himma's card catalogue as of July 2026. Banks reprice frequently and individual offers vary by credit profile. Always verify current terms in the bank's Key Fact Statement and schedule of charges, and consult the Central Bank of the UAE's consumer-protection resources before borrowing.