Getting a travel rewards card that aligns with your routine can make a difference. The RAKBANK Air Arabia Platinum credit card is built for frequent flyers who want to earn while they spend.
It offers an easy way to collect AirRewards and use them for future travel. This guide explains everything you need to know to get started.
How Does the Card Work?
This card is a co-branded product by RAKBANK and Air Arabia. The RAKBANK Air Arabia Platinum credit card lets you earn AirRewards automatically when you spend.
It functions like a regular credit card but focuses on flight perks. If you often fly with Air Arabia, this card will help you save.
AirRewards Earning Explained
AirRewards are loyalty points linked directly to your Air Arabia account. You earn 1.75 AirRewards for every AED 5 spent on eligible transactions.
The rewards are credited automatically to your AirRewards account. These points can be used for free flights, upgrades, or baggage.
Welcome Bonus
New cardholders receive a generous welcome offer. You get 20,000 AirRewards after meeting the minimum spend. This helps you book flights faster. It’s a strong incentive to apply.
Benefits That Matter
This card comes with perks tailored for travelers and everyday spenders. The benefits cover both flight savings and lifestyle convenience. Using it consistently gives you ongoing value. Here’s what to expect.
Travel-Related Advantages
Flights booked using AirRewards help cut travel costs. You also get early access to Air Arabia deals and offers.
With regular use, you earn points quickly and fly more often. The card is ideal for budget-conscious travelers.
Lifestyle and Daily Spending
You can use the card for local and global purchases. Contactless payment options are supported for added speed.
Cardholders also enjoy access to Mastercard benefits like dining offers. It’s functional beyond just flights.
Digital and App Integration
Manage your account via the RAKBANK mobile app. You can track expenses, lock or unlock your card, and redeem points.
The app is available for both Android and iOS. It helps you stay in control of your finances.
Fees and Interest You Should Know
Understanding the fees will help you avoid unexpected costs. This section covers the key charges and rates associated with the card.
While there are some fees, the benefits often outweigh them. Know what you’ll pay and when.
Annual Fee and Waiver
The RAKBANK Air Arabia Platinum credit card is free for the first year. From the second year, you pay AED 400 annually.
The fee is standard for travel cards with rewards. Make sure your rewards usage offsets this cost.
Monthly Interest Rates
The retail interest rate is 3.45% per month. For cash advances, the rate increases to 3.65% per month.
These rates apply if you don’t pay your full balance. Always pay on time to avoid extra charges.
- Late payment fee: AED 230
- Overlimit fee: AED 275
- Foreign transaction fee: 2.49% to 2.75%
These charges are common across UAE credit cards. Review your statement to avoid penalties.
Who Can Apply and What Do You Need?
To qualify, you must meet a few basic requirements. The card is accessible to residents with stable income. Documentation is also important. Here’s what you need to know.
Salary Requirement
You need a minimum monthly income of AED 5,000. This makes it one of the more accessible travel cards. Salaried employees and self-employed professionals can apply. Proof of income is required.
Required Documents
Have your documents ready before applying. These will speed up the process and reduce delays.
- Emirates ID copy
- Passport and residence visa (for expats)
- Salary certificate or income proof
- Recent bank statement (3–6 months)
- AirRewards account (optional, but useful)
How to Apply Online?
You can apply from your phone or laptop. RAKBANK has made the process fully digital. It’s quick, secure, and requires minimal paperwork. Follow these steps.
The Application Process
Start your application online and submit the required info. Make sure all details match your documents.
- Visit the RAKBANK official website
- Choose the Air Arabia Platinum Credit Card
- Click “Apply Now”
- Fill in your name, mobile number, and email
- Upload required documents
- Submit your application and wait for review
Comparing Similar RAKBANK Cards
RAKBANK offers multiple credit cards for different needs. If you’re not sure this one fits, compare the options. Here’s how it stacks up.
World Credit Card
This card suits high earners. You need an AED 20,000 monthly salary. You get 10% cashback on selected categories. It’s great for big spenders who travel and dine often.
Titanium Credit Card
This is ideal for supermarket and dining cashback. It needs a salary of AED 8,000. You can get up to AED 600 cashback monthly. It’s free for life.
RED Credit Card
A basic option with an AED 5,000 income requirement. Offers 1.5% cashback and one free international transfer per month. Cashback is capped at AED 300 monthly. Suitable for low to moderate spenders.
When This Card Makes Sense?
This card works best when your travel habits match the program benefits. It is most valuable when you frequently fly with Air Arabia.
Frequent Flyers with Air Arabia
If you fly with Air Arabia often, this card gives you consistent rewards. You earn points on every AED spent and can redeem them for tickets.
The value increases as your travel frequency rises. This card directly supports regular airline customers.
Those Seeking Low Entry Requirements
You only need an AED 5,000 monthly income to qualify. That makes it more accessible than many travel cards in the UAE.
It gives travel benefits to those with modest salaries. You don’t need a high income to start collecting AirRewards.
Users Who Prioritize Simplicity
The card is easy to manage through the RAKBANK app. AirRewards are credited automatically; no manual claim is needed.
You see transactions, points, and balances in one place. This works well if you prefer simple, app-based tracking.
People Who Want an Immediate Bonus
The 20,000 AirRewards welcome bonus is attractive. It helps you book a flight quickly after signing up. For those needing quick value, this incentive delivers. Use it right away to maximize its worth.
Important Considerations
Before applying, understand some limits that may affect your choice. These points matter depending on how you travel and spend.
Limited to Air Arabia Redemptions
AirRewards can only be used with Air Arabia. If you prefer flexible airline options, this may not suit you. You can’t redeem rewards for other carriers. It works best for those loyal to one airline.
Reward Expiry Rules Apply
AirRewards points expire after 24 months. If you don’t travel or redeem in time, you lose them.
You need to plan and track usage to avoid waste. Inactivity leads to lost benefits.
Annual Fee After Year One
The first year is free, but AED 400 applies after that. If you don’t use the card often, this fee can outweigh the rewards.
Always check if your usage justifies the cost. Consider downgrading if your needs change.
Interest Rates Are Standard but High
If you carry a balance, interest applies monthly. At 3.45%, the rate adds up quickly.
This card works best if you pay off balances in full. Otherwise, your rewards may be offset by interest.
Contact Support
If you need help, RAKBANK offers multiple support options. Call 600 54 4049 within the UAE for assistance. You can also email [email protected]. The mobile app offers 24/7 live chat support.
Get More from Your Card
This card rewards consistency. Use these habits to increase the benefits you receive.
- Use the card for all eligible purchases, including local and international spending.
- Monitor your AirRewards balance regularly to avoid expiration and plan redemptions.
- Pay your credit card bill in full each month to skip high-interest charges.
- Log in to the RAKBANK app to track usage, manage the card, and view AirRewards in real-time.
Final Thoughts on This Travel Card
The RAKBANK Air Arabia Platinum credit card is a solid choice for frequent flyers. Its low salary requirement and bonus rewards make it accessible and rewarding.
It’s best used when paired with regular Air Arabia travel. If that’s your routine, this card can stretch your budget.
Disclaimer: Terms, conditions, and rates can change without notice. Always confirm the latest details with RAKBANK or Air Arabia before applying or using the card.
