The RAKBank World Mastercard comes with substantial cashback rewards and lifestyle perks. If you’re planning to apply, it’s essential to know the whole process before getting started.
This guide will walk you through the steps to request the card online. You’ll also learn what documents you need and what benefits to expect.
Eligibility Requirements
You need to meet a few basic conditions to apply. These include your age, residency, and income level.
Age
You must be at least 21 years old to apply. This is a basic rule set by the bank. Younger applicants will not be approved. Make sure you meet this minimum age requirement before starting the process.
Residency
Only UAE citizens or residents can apply for this card. You must provide valid documents proving your residency status. Visitors or tourists are not eligible. The bank needs to confirm you live and work in the UAE.
Income
You need to earn at least AED 20,000 per month. This shows that you can handle the credit limit responsibly. Submit salary slips or bank statements as proof. Without this minimum income, your application won’t move forward.
How to Apply Online?
There are two ways to apply. The fastest way is through the app, but a callback option is also available.
Option 1 – RAKBANK App (Recommended)
The app is the easiest method. It works on both iOS and Android.
Download the RAKBANK App (Available on App Store and Google Play)
Go to the App Store or Google Play and search for “RAKBANK.” Download the official app. Make sure it’s the latest version. Open the app once installed.
Register or Log In to Your Account
If you’re new, tap “Register” and enter your details. If you already have an account, just log in. Use accurate information. Keep your login details secure.
Select “World Credit Card” and Follow the Prompts
Choose the “World Credit Card” from the list of products. The app will guide you step-by-step. Follow all instructions carefully. Don’t skip any fields.
Submit the Required Documents
Upload your Emirates ID, proof of income, and any additional required files. Use your phone’s camera if needed. Make sure documents are clear. Blurry uploads can delay your application.
Receive Instant Application Status (In Most Cases)
The app usually gives you a quick response. You’ll see if you’re approved, rejected, or if more info is needed. If it’s pending, the bank may contact you. Most decisions are made fast.
Option 2 – Request a Callback
If you prefer human help, this method works better. Just provide your contact info and wait.
Go to the RAKBANK Website
Open the official RAKBANK website in your browser. Make sure the connection is secure. Find the credit card section. Look for the “Call Me Back” option.
Fill Out Your Details in the “Call Me Back” Section
Enter your full name, phone number, and other basic info. Check everything before you submit. It only takes a few minutes. Be sure to agree to receive the call.
Wait for a Representative to Contact You
A bank representative will call you shortly. They’ll explain the next steps and ask for your documents. Have your Emirates ID and salary proof ready. You can ask any questions during the call.
Required Documents
Before you apply, you need to prepare a few documents. These prove your identity, income, and residency status.
Valid Emirates ID
You must upload a valid Emirates ID. It should be clear and not expired. Make sure both front and back sides are included. The bank uses this to confirm your identity and residency.
Proof of Income
You need to show proof of income. A recent salary certificate or last 3 months of bank statements will work. Make sure they show your name and income clearly. This proves you meet the income requirement.
Residency Documents (For Non-Citizens)
Non-UAE citizens need to show a valid residency visa or similar document. Make sure it’s not expired. This confirms you are legally allowed to live and work in the UAE.
Key Benefits of the RAKBANK World Mastercard
This card offers useful features if you meet the terms. You’ll earn cashback, enjoy discounts, and have protection benefits.
Cashback Offers
You earn cashback every time you spend in selected categories. The cashback is capped monthly per category.
10% Cashback on Travel and Hotels (Up to AED 400/Month)
You get 10% cashback when booking flights, hotels, and travel sites. This benefit has a monthly limit of AED 400. It’s useful if you book often. Make sure to use eligible platforms.
10% Cashback on Supermarkets (Up to AED 300/Month)
Earn 10% cashback on supermarket purchases. The limit is AED 300 monthly. This works well for regular grocery spending. Use the card at approved stores.
10% Cashback on Dining (Up to AED 300/Month)
Spending on food and restaurants earns 10% cashback. There’s a cap of AED 300 per month. It covers dine-in, takeout, and delivery. Track spending to stay within the limit.
Up to 3% Cashback on E-Wallet Retail Spends (Capped at AED 150/Month)
When you pay using Apple Pay, Samsung Pay, or similar, you get up to 3% cashback. The monthly cap is AED 150. Only retail payments qualify. Not all e-wallet payments are included.
1% Cashback on Other Retail Spends (Capped at AED 100/Month)
For everything else, you get 1% cashback. That includes retail buys not listed in other categories. The cap here is AED 100 per month. It’s automatic, no extra steps needed.
Cinema Perks
You get discounts for movies with this card. It works at VOX Cinemas with no date or time limits.
50% Off VOX Cinemas Any Day, Any Time
Get 50% off movie tickets at VOX. This applies any day, anytime. You must book through VOX’s platform. No minimum spend required.
Step-by-Step to Activate and Use the Offer via the VOX Platform
Here’s how to claim your discount:
- Log in to the VOX Cinemas website or app.
- Select your movie and preferred cinema location.
- At checkout, choose your card as the payment method.
- The 50% discount applies automatically if it’s eligible.
Security Features
This card also includes protection for lost or stolen use. It applies worldwide and covers unauthorized spending.
Secure Wallet: Global Protection Up to AED 10,000 for Lost/Stolen Card Misuse
If someone misuses your card, you’re protected up to AED 10,000. This applies even if you’re abroad. You must report the issue quickly. The bank will review the case and refund if valid.
Things to Consider Before Applying
Before you apply, review the conditions. Make sure this card fits your needs.
Monthly Salary Requirement
The bank only accepts applicants with a monthly income of AED 20,000 or more. If your salary is lower, you won’t qualify. Double-check your income first. Submit valid income proof.
Cashback Caps and Spending Limits
Each cashback category has a monthly limit. You won’t earn rewards beyond that cap. Track your spending to maximize rewards. The app may help with this.
Terms May Change—Always Check the Latest Policy
The terms, offers, and limits may be updated at any time. Visit the official site or app to stay informed. Don’t rely on old information. Check before applying or spending.
Contact Information
If you have questions or need help with your application, you can call 600 54 4049. The head office is located in the RAKBANK Building on Sheikh Mohammed Bin Zayed Road in Ras Al Khaimah. It’s best to contact them during business hours for faster assistance.
Disclaimer: Card features, limits, and eligibility requirements may change without prior notice. Always check the official RAKBANK website for the latest terms and conditions before applying.
Final Summary: Key Points to Remember
Applying for the RAKBANK World Mastercard online is simple if you meet the eligibility requirements. Ensure your documents are valid and choose the right method—either via the app or website.
Review all benefits and limits before you apply. Stay updated by checking the bank’s official site for current terms.
