Titanium Credit Card review
Cardholders earn up to 5% back on supermarkets, dining and fuel, plus a headline 50% on cinemas and video streaming, while government and utility payments earn 0.25% and general retail earns 1% rising to 2% on higher monthly spend. To unlock the boosted 5% and 50% rates you need a minimum overall retail spend of AED 5000 per month, and standard rates apply below that.
Combined cashback across supermarket, dining, cinema and streaming is capped at AED 400 per month, with any spend beyond that earning the standard rate. Rewards are credited as statement cashback through RAKrewards and can be redeemed once you reach the AED 500 threshold.
With no annual fee, 0% Easy Payment Plans and lifestyle discounts, the card works well for cost-conscious residents. Its low AED 8000 salary requirement also makes it a practical entry-level pick.
Card details
| Bank | RAKBANK |
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| Card type | Cashback |
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| Card network | Mastercard |
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| Minimum salary | AED 8,000 |
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| Annual fee | Free for life |
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| Fee waiver | Free for life with no annual fee |
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| Interest (monthly) | 3.65% |
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| Reward type | Cashback |
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| Reward rate | Up to 5% back on supermarkets, dining and fuel; up to 50% on cinemas and video streaming; 0.25% on government and utility payments; a standard 1% on lower spend that rises to 2% on higher monthly retail spendThe boosted 5% (supermarket, dining, fuel) and 50% (cinemas, streaming) rates require a minimum overall retail spend of AED 5000 per month; standard cashback rates apply below that. Minimum redemption threshold is AED 500. Combined cashback on supermarket, dining, cinema and video streaming is capped at AED 400 per month; spend beyond the cap earns the standard rate Cashback is redeemed as statement credit through RAKrewards, with up to 55 days of interest-free period |
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| Welcome bonus | AED 500 welcome bonus when you apply digitally and meet the minimum spend within 60 days of card issuance (new customers, 15 Jul-15 Sep 2026)New customers only (no existing RAKBANK credit card, previous card closed 6+ months) | Apply digitally via RAKBANK app/online | Meet minimum spend within 60 days of issuance | Cashback credited within 90 days | Reversed if card cancelled within 12 months | Promotion valid 15 Jul 2026 to 15 Sep 2026 |
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| Lounge access | Complimentary access to select regional airport lounges (per third-party source) |
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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 (per card guide) |
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| Instalment plan | 0% Easy Payment Plan available, with 0% processing fee on school fee payments |
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Welcome bonus: AED 500 welcome bonus when you apply digitally and meet the minimum spend within 60 days of card issuance (new customers, 15 Jul-15 Sep 2026)
Terms: New customers only (no existing RAKBANK credit card, previous card closed 6+ months) | Apply digitally via RAKBANK app/online | Meet minimum spend within 60 days of issuance | Cashback credited within 90 days | Reversed if card cancelled within 12 months | Promotion valid 15 Jul 2026 to 15 Sep 2026
Titanium Credit Card benefits
✓Free for life with no annual fee
✓Up to 5% cashback on supermarkets, dining and fuel
✓Up to 50% cashback on cinemas and video streaming
✓Travel discounts and lifestyle privileges
✓0% Easy Payment Plans
Offers and payment options
Quick cashCash advance of up to 80% of the credit limit, plus a credit card cheque option
Balance transferAvailable (per card guide)
Instalment plan0% Easy Payment Plan available, with 0% processing fee on school fee payments
Titanium 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 (non-AED and AED), 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 banking) / 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 suits everyday UAE spenders who want free-for-life cashback across groceries, dining and cinema.
What works well
- ✓No annual fee
- ✓Standout cinema and streaming cashback
- ✓Accessible AED 8000 salary requirement
What to weigh up
- −AED 400 combined monthly cashback cap limits total value
- −Boosted rates need AED 5000 monthly spend
- −AED 500 minimum redemption threshold
Titanium Credit Card eligibility
Minimum salary of AED 8000; UAE resident
▤Emirates ID▤Passport/Visa copy▤Salary certificate or bank statements
Titanium Credit Card FAQs
Minimum salary of AED 8000; 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.
Up to 5% back on supermarkets, dining and fuel; up to 50% on cinemas and video streaming; 0.25% on government and utility payments; a standard 1% on lower spend that rises to 2% on higher monthly retail spend
It suits everyday UAE spenders who want free-for-life cashback across groceries, dining and cinema.
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.
