RAKBANK Titanium Credit Card
Up to 5% cashback on daily spends — free for life
at RAKBANK's secure site
Minimum spend criteria apply to the welcome bonus See rates & fees.
Cashback rate
The Titanium's headline rates are real — 5% on groceries and dining, 50% on cinema and streaming — and the card genuinely never charges a fee. Just know the ceilings: 100 per bonus category per month, and an all-or-nothing 2,000 minimum spend. Inside those limits, it's about the best free cashback engine in the UAE.
How the Titanium cashback works
Spend at least 2,000 on the card in a month and every eligible earns: 5% at supermarkets and restaurants anywhere in the world, 50% on cinema tickets and video streaming subscriptions, 2% on e-wallet payments and 1% on everything else. Each of those buckets is capped at 100 of cashback per month, so the four bonus categories top out at 400 combined, with another 200 possible from standard and e-wallet spend.
The catches are typical RAKBANK: miss the 2,000 minimum and you earn nothing at all that month; fuel, utilities, education, government services and similar categories pay a token 0.25% capped at 50; and payments made through banking channels earn nothing. Cashback stays valid for 15 months and redeems from 100.
Rates and fees
- Annual fee
- 0 — free for life, no joining fee
- Interest rate
- 3.65% per month (43.8% APR) on carried balances; up to 55 days interest-free if paid in full
- Foreign transaction fee
- 2.57% of the transaction amount, plus the Mastercard scheme fee of roughly 1.15%
- Cash advance
- 3.15% of the amount, minimum 105 (up to 80% of your limit)
- Late payment fee
- 241.50
- Over-limit fee
- 299.25
- Minimum payment
- 4% of the outstanding balance or 100, whichever is higher
Fees include 5% VAT. Sources: RAKBANK Titanium Key Facts Statement (V012026) and Service & Price Guide effective 13 May 2025.
Card benefits
Four-way cashback engine
5% at supermarkets and on dining, 50% on cinema and streaming, 2% on e-wallets and 1% standard — each capped at 100 a month.
Airport lounge access
The Key Facts Statement lists complimentary airport lounge access; RAKBANK doesn't publish the network or visit limits, so confirm before you rely on it.
Travel insurance and flight-delay support
Complimentary travel insurance per the KFS, with flight-delay assistance advertised on the card page.
Hotel and car rental savings
Exclusive hotel discounts with cashback and car rental savings through RAKBANK's travel partners.
0% school-fee instalments
Convert school fees into an Easy Payment Plan with zero processing fee.
Talabat and Fiit offers
Discount offers across lifestyle privileges such as Talabat and Fiit.
Pros and cons
- Free for life — no joining or annual fee, ever
- 5% cashback at supermarkets and on dining, worldwide
- 50% cashback on cinema and video streaming subscriptions
- 2% cashback on e-wallet spends on top of the 1% standard rate
- Low 100 minimum redemption threshold
- No cashback at all if you spend under 2,000 in a month
- Tight 100 monthly cap per bonus category ( 400 combined)
- Fuel, utilities, education and government payments earn just 0.25%, capped at 50
- High 3.65% monthly interest rate (43.8% APR) if you carry a balance
- 2.57% foreign transaction fee, plus the card scheme's ~1.15% processing fee
Is it right for you?
Get this card if
- You reliably spend 2,000+ a month, mostly on groceries and dining
- You want strong cashback without ever paying an annual fee
- You pay for cinema tickets or streaming subscriptions on your card
- You pay your balance in full every month
Consider skipping it if
- Your monthly card spend often dips below 2,000
- Most of your spend is fuel, utilities, school fees or government payments
- You spend heavily abroad — the ~3.7% total FX cost stings
- You carry a balance — 43.8% APR is among the highest around
Alternatives to consider
RAKBANK's Red card is also free for life with a gentler 1,000 monthly minimum, a lower 5,000 salary requirement and a free international transfer every month — you just settle for up to 1.5% flat cashback.
Best no-annual-fee cards →
FAB's Cashback card trades the Titanium's category juggling for a flatter earn structure — worth a look if the per-category caps annoy you.
Best cashback cards →
RAKBANK's Elevate card is the bank's newer flagship with a richer benefits stack for bigger spenders — at the cost of steeper requirements than the free Titanium.
Not sure which way to go? Put them side by side in our card comparison tool or browse the full ranked list.
Frequently asked questions
Is there a minimum spend required to start earning cashback?+
Yes. You need to spend at least AED 2,000 in total retail transactions each month on the card. If you miss the minimum, no cashback is earned that month — in any category.
Which categories earn higher cashback on the Titanium Credit Card?+
Supermarkets and dining earn 5% each, and cinema and video streaming subscriptions earn 50% each. Every bonus category is capped at AED 100 in cashback per month, so the four together max out at AED 400.
How are other retail spends rewarded?+
Standard retail spends earn 1% cashback capped at AED 100 per month, and e-wallet spends earn 2% capped at AED 100 per month.
Which transactions earn reduced or no cashback?+
Charity, government services, bill payments, schools and education, transit and transport, telecom, real estate and petrol stations earn just 0.25%, capped at AED 50 per month combined. Payments through banking channels (IVR, online banking, ATMs, branches) earn nothing.
Does the cashback expire?+
Yes — cashback is valid for 15 months from the date it is earned. If you don't redeem it within that window it lapses automatically.
Is there a minimum amount to redeem cashback?+
Yes, the minimum redemption threshold for the Titanium card is AED 100.
Does the Titanium Credit Card have an annual fee?+
No. The card is free for life — no joining fee and no annual fee, ever.
What salary do I need to apply?+
A minimum monthly salary of AED 8,000. Self-employed applicants need a quarterly turnover of AED 100,000 or an average quarterly account balance of AED 300,000, and all applicants must be 21 or older and UAE citizens or residents.
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank or card issuer, and have not been reviewed, approved or otherwise endorsed by any of these entities.