High Flyer Platinum Credit Card review
Earning is tiered by spend: domestic purchases earn 1.75 points per AED up to AED 14999 and 3 points above AED 15000, while international spend earns 3 points and 5 points across the same bands. Cinema spend earns a generous 50 RAKrewards per AED once monthly spend reaches AED 5000, and a 10-30% quarterly bonus stacks on top depending on your spend tier.
Cinema rewards are capped at 10000 points a month and total earning is capped at up to 350000 points monthly, but redemption stays wide open across 300+ airlines and 300000+ hotels through rakrewards.ae.
With no annual fee, airport lounge access, concierge and roadside assistance, the card offers a low-cost route to flexible travel points, best suited to those who can push monthly spend past AED 15000 for the higher rates.
Card details
| Bank | RAKBANK |
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| Card type | Travel |
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| Card network | Mastercard |
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| Minimum salary | AED 10,000 |
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| Annual fee | Free for life |
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| Fee waiver | Free for life with no annual fee ever |
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| Interest (monthly) | 3.65% |
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| Reward type | RAKrewards points |
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| Reward rate | Domestic: 1.75 pts/AED up to AED 14999 monthly spend and 3 pts/AED above AED 15000. International: 3 pts/AED up to AED 14999 and 5 pts/AED above AED 15000. Cinema: 50 RAKrewards per AED (requires AED 5000+ monthly spend). Plus a 10-30% quarterly bonus by spend tier.Higher point tiers unlock above AED 15000 monthly spend; the cinema bonus requires AED 5000+ monthly spend; and quarterly bonus tiers scale from AED 15000 to AED 25000+ quarterly spend Cinema rewards are capped at 10000 RAKrewards per month, with a monthly cap of up to 350000 points on all spending (per RAKBANK page) Points are redeemable across 300+ airlines and 300000+ hotels via rakrewards.ae and are not restricted to a single airline |
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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 Plans |
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High Flyer Platinum Credit Card benefits
✓Free-for-life travel rewards card
✓Up to 5 points per AED on international spend
✓Flexible redemption across 300+ airlines and 300000+ hotels
✓30% quarterly bonus points on top of regular earning
✓50 points per AED on cinema spend
✓Airport lounge access, concierge and roadside assistance
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 Plans
High Flyer 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 works best for UAE travellers who want flexible airline-agnostic points without paying an annual fee.
What works well
- ✓No annual fee with flexible travel rewards
- ✓Airline-agnostic redemption
- ✓Quarterly bonus lifts overall earning
What to weigh up
- −Top earn rates need AED 15000+ monthly spend
- −Cinema points capped at 10000 per month
- −No welcome bonus
High Flyer Platinum Credit Card eligibility
Minimum salary of AED 10000; UAE resident
▤Emirates ID▤Passport/Visa copy▤Salary certificate or bank statements
High Flyer Platinum Credit Card FAQs
Minimum salary of AED 10000; UAE resident
The card is listed as free for life with no annual fee. Confirm that this remains part of the final bank offer before applying.
Domestic: 1.75 pts/AED up to AED 14999 monthly spend and 3 pts/AED above AED 15000. International: 3 pts/AED up to AED 14999 and 5 pts/AED above AED 15000. Cinema: 50 RAKrewards per AED (requires AED 5000+ monthly spend). Plus a 10-30% quarterly bonus by spend tier.
It works best for UAE travellers who want flexible airline-agnostic points without paying an annual fee.
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.
