Air Arabia Platinum Credit Card review
Cardholders earn 1.75 AirRewards points per AED 5 on airarabia.com and international spend and 1.25 points per AED 5 on UAE domestic purchases, while restricted categories such as government, bills and fuel earn a reduced 0.30 points per AED 5. A joining bonus of 15000 points (some sources cite 20000) is available after paying the joining fee and spending a minimum AED 5000 on retail within three months.
Points redeem for Air Arabia flights, upgrades, baggage and meals, and a 'Fly now, pay later' option adds flexibility. The card also bundles a complimentary annual return ticket, up to six free Careem airport transfers a year, baggage and meal vouchers, and 50% off at VOX Cinemas.
With a low AED 5000 salary requirement and the AED 400 annual fee waived from year two when spend criteria are met, it is one of the more accessible co-branded travel cards in the UAE.
Card details
| Bank | RAKBANK |
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| Card type | Travel |
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| Card network | Mastercard |
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| Co-brand | Air Arabia (AirRewards) |
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| Minimum salary | AED 5,000 |
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| Annual fee | AED 420 |
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| Fee waiver | AED 420 (incl VAT) charged as a joining fee on the first statement; from the 2nd year onwards the card is free if AED 20,000 retail spend is achieved in the previous year (RAKMoney Transfer and BT/CCC/SC cash transactions excluded) |
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| Interest (monthly) | 3.65% |
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| Reward type | AirRewards points |
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| Reward rate | 1.75 AirRewards points per AED 5 on airarabia.com and international spend; 1.25 points per AED 5 on UAE domestic spend; 0.30 points per AED 5 on restricted categories (government, bills, real estate, car rentals, transport, fuel)Restricted categories earn the reduced rate, and the welcome bonus counts retail transactions only AirRewards points are redeemable for Air Arabia flights, upgrades, baggage and meals, with a 'Fly now, pay later' option |
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| Welcome bonus | 20,000 bonus AirRewards points on card sign-upBonus AirRewards points; detailed spend/fee conditions in card offers PDF (not accessible as text) |
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| Lounge access | Airport lounge access included |
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| Quick cash | Cash advance of up to 80% of the credit limit, plus a credit card cheque option |
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| Balance transfer | Available |
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| Instalment plan | 0% Easy Payment Plan |
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Welcome bonus: 20,000 bonus AirRewards points on card sign-up
Terms: Bonus AirRewards points; detailed spend/fee conditions in card offers PDF (not accessible as text)
Air Arabia Platinum Credit Card benefits
✓Co-branded Air Arabia AirRewards earning
✓Complimentary annual return ticket
✓Free airport pick-up and drop-off up to 6 times per year via Careem
✓Complimentary baggage and meal vouchers
✓50% discount at VOX Cinemas
✓Fly now, pay later option
Offers and payment options
Quick cashCash advance of up to 80% of the credit limit, plus a credit card cheque option
Balance transferAvailable
Instalment plan0% Easy Payment Plan
Air Arabia Platinum Credit Card fees & charges
| Annual percentage rate (APR) | 43.8% |
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| Cash advance fee | 3.31% of cash advanced or AED 105, whichever higher (incl VAT) |
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| Late payment fee | 241.5 |
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| Over-limit fee | 299.25 |
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| Foreign currency fee | 2.57% of transaction amount plus ~1.15% Mastercard network fee (per SP Guide) |
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| Minimum payment | 4% or AED 100, whichever higher |
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| Interest-free period | Up to 55 days |
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| Card replacement fee | 52.5 (digital) / 78.75 (other channels) (per SP Guide) |
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From the bank’s Key Facts Statement / Schedule of Charges. Some figures include and some exclude 5% VAT, a bank’s marketing page can differ from its Key Facts Statement, and fees change - always confirm with the bank before you apply.
Who should get this card?
It is ideal for budget-conscious UAE travellers who regularly fly Air Arabia and want co-branded flight rewards.
What works well
- ✓Low salary requirement for a travel card
- ✓Complimentary annual return ticket
- ✓Free airport transfers
What to weigh up
- −AED 400 annual fee, waived only if spend criteria are met
- −Points are mainly useful for Air Arabia
- −Reduced earning across many everyday categories
Air Arabia Platinum Credit Card eligibility
Minimum salary of AED 5000; UAE resident
▤Emirates ID▤Passport/Visa copy▤Salary certificate or bank statements
Air Arabia Platinum Credit Card FAQs
Minimum salary of AED 5000; UAE resident
The listed annual fee is AED 420. AED 420 (incl VAT) charged as a joining fee on the first statement; from the 2nd year onwards the card is free if AED 20,000 retail spend is achieved in the previous year (RAKMoney Transfer and BT/CCC/SC cash transactions excluded)
1.75 AirRewards points per AED 5 on airarabia.com and international spend; 1.25 points per AED 5 on UAE domestic spend; 0.30 points per AED 5 on restricted categories (government, bills, real estate, car rentals, transport, fuel)
It is ideal for budget-conscious UAE travellers who regularly fly Air Arabia and want co-branded flight rewards.
Product details are indicative and compiled from each bank’s official pages and Key Facts Statements; figures can differ between a bank’s marketing page and its Key Facts Statement, and fees, rates and VAT treatment change. We are not affiliated with, or authorised by, any bank - always confirm current fees, eligibility, rewards and terms directly with the issuing bank before applying. This page does not constitute financial advice.
