A Guide To Rewards Credit Cards

Rewards credit cards appear in various forms and colors.

How points are earned and used varies from company to company and card to card.

Rewards Credit Cards - Your guide to make the right choice

In choosing the best credit card with rewards offer, the applicant needs to evaluate his priorities and lifestyle in order to determine which type of rewards best suit him.

Also, the rewards should not only benefit him, but his family as well.

To help you choose the best rewards credit card that is appropriate for you, read on for more information.

Different Rewards Credit Cards

Reward Credit Cards - Know the different rewards credit cardsMost websites that offer rewards credit cards have a complete listing of all the best credit cards with rewards.

These sites can offer a wide selection of credit cards so you will definitely find the right rewards program for you.

  • Cash Back Credit CardCash back credit card provides you cash back merely by buying goods and services with your credit card.These rewards cards usually offer one percent up to five percent cash back on all your purchases.

    The downside of credit cards with cash back is that these cards normally have higher interest rate than the platinum creditcards.

     


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    Because of the high interest rate, cash back cards are appropriate for cardholders who pay off their card balance in full each month.

    Examples of best cash back credit cards are Discover More Card, Discover Motiva Card, Blue Cash Everyday (SM Card) from American Express, and others.

  • Travel Rewards Credit CardGenerally, travel reward credit card lets you to earn points that are redeemable for hotel stays, free air travels, and cruises.Commonly, the credit card owner will earn one point for every one dollar charged on his credit card.

    Many travel reward credit cards also offer free bonus points when they become a cardholder.

    However, most of travel rewards card come with higher interest rates and annual fee.

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    Again, due to the higher interest and annual fees, these credit cards are more appropriate to cardholder who frequently use their card and pay off their card balance each month.

    Examples of the best travel credit cards are Miles by Discover Card, Blue Sky form American Express, and others.

  • Gas Rewards Credit CardA gas card permits you to earn cash back on every gas purchase you make with your credit card.These cards normally offer two up to five percent cash back on your gas purchases.

    Many gas credit cards also offer one percent cash back on all your purchases made with your credit card.

    Similar with travel and cash back cards, these cards also have high interest rates that make them appropriate for cardholders who pay their credit balance in full each month.

    Good examples of these cards are Discover More Card, Blue Cash Everyday Card from American Express, Discover Open Road Card, and others.

  • Rewards Points Credit CardRewards points credit card makes you earn points every time you make a purchase with your credit card.Your rewards points are redeemable for gift cards, merchandise, or cash back.

    Several cards this type offers one to five points for every dollar that you spend on your card.

    Generally, rewards points credit cards bear a higher interest rate that make them appropriate for cardholders who pay their credit card balance monthly in full.

    The best example of this card is American Express Gold Card.

    What Is Your Choice For The Best Card For You?

    Rewards Credit Cards - Have you chosen the right one?So there you have it, you can now make your choice.

    If you have evaluated your priorities and lifestyle, you should have chosen the best card for you by this time.

    The only secret to take advantage of the rewards is to use your credit card wisely and pay your card balance in full each month.

    The high interest that these cards bear will not affect you if you always pay on time the full amount.

    So, go ahead and enjoy the convenience and advantages of rewards credit cards.

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Reduce Credit Card Debt on Your Own and Take Control

Reduce Credit Card Debt- Credit Cards

To reduce credit card debt is the usual course of action for people who have incurred tremendous debts due to either negligence or uncontrollable economic situations.

Actually, credit cards are supposedly one of the best financial tools to provide you with convenience and safety in purchasing goods and services.

Credit cards also allow you to purchase on credit without interests if the total amount of your purchases is paid on due dates.

However, the ease and convenience in purchasing goods and services sometimes tempt you go overboard and find yourself in great struggle to pay off your credit card debts.

But, don’t despair if you are having troubles paying off your debts; there are still ways on how you can reduce credit card debt on your own and take control of your finances.

What you need initially is discipline and determination to achieve your goal of being debt-free.

The different steps and methods are easy to follow if you have a willing heart to control your expenses and the interest to learn how to do them.

“Call 877-459-3829  ” to get a Free
Debt Consultation from CuraDebt.” 
Get a free, no obligation, confidential debt phone consultation.
Do You

  1. Have more than $10,000 of credit cards, personal loans or other unsecured debts.
  2. Be able to afford a minimum payment of $300 per month.
  3. Have your statements available when calling.
“Call 877-459-3829  ” to get a Free
Debt Consultation from CuraDebt.” 

Steps to Reduce Credit Card Debt and Take Control of Your Finances

1. Create a Monthly Budget

Reduce Credit Card Debt- Credit CardsThe first step in taking control of your finances and to reduce credit card debt is to determine where you stand.

If you don’t know where you are at with your cash position and expenditures, you wouldn’t know what to control.

Creating a monthly budget is your first task to determine your financial position.

Make a list of all your income sources such as after tax wages, interests from savings and time deposits, dividends from shares and investments, and others.

Then, on the other side of your notepad, list all your monthly expenses.

Start with the basics such as rent or mortgage payments, utilities (electricity, water, telephone service, Internet, cable), insurances, gas and vehicle maintenance, food and health.

After the basics, list the non-basics such as travels and vacations, shopping and clothing expenses, eating out and movies, other entertainment expenses, gifts, and others.

When the list is completed, add all income sources on one side and add all expenses on the other side.

2. Analyze Your Monthly Budget to Reduce Credit Card Debt

Reduce Credit Card Debt- Credit CardsIt is common for people to create a monthly budget and don’t use it to monitor their finances.

Budgeting is a helpful tool in maintaining your finances in control if properly used.

From your list, deduct the total for expenses from the total income.

If the answer is positive, you can have a budget to payoff your credit card debts.

But, if it is negative; you have to cut back on your expenses.

With a negative cash flow, being frugal is essential.

The only thing you could do with basic expenses is to try to minimize them by using utilities wisely, planning your trips, creating a menu plan, and others.

The non-basic expenses are where you can cut back more to generate the needed cash to pay off your debts.

Minimize eating out, don’t go shopping not unless necessary, and lessen travels and vacations.

3. Make a Schedule for Paying Off Debts

Reduce Credit Card Debt- Credit CardsRemember that your goal is to reduce credit card debt.

Therefore, all your efforts should be geared towards having funds to pay off debts.

List all your credit card balances, if you have more that one; starting with the card that has the highest interest rate.

On the other side, list the minimum balance for each card.

Add the amounts for total balances and the amounts for minimum balances, separately.

You now have the amounts you need to provide for in order to pay off your debts.

Check your cash flow, if you are able to pay the total amount due; that is good.

If not, work on paying the card with highest interest first and pay the minimum amount for the others.

Repeat the process monthly for paying off your credit card debts until you are able to pay everything.

Even if you are finished paying off your debts, refrain from overspending and unwise use of your credit cards.

This is how to take control of your finances.

Privileged Lifestyle with RAKBank Titanium Creditcards

RAKBank Titanium Creditcards extend valuable privileges and benefits that match elite lifestyle.

RAKBank Titanium Creidtcards - Elite Lifestyle

These cards have no annual fee to begin with, which is a valuable savings while enjoying the use of the card every year.

The card offers up to 5-percent cashback to card members and they are given exclusive deals on jewelry, electronic gadgets, furnishing, holiday get away, dining and many more.

Privilege discounts are offered on card user’s shopping as well as dining.

And with all these shopping opportunities, cardholders can take advantage of up to fifty five days of interest free credit.

Card members can get a chance of winning millions every six months.

Cash availability is not a concern because card members can make cash advances even up to fifty percent of their credit limit.

With the card, get exclusive global discounts on hotels and premium brands; you can definitely travel in style.

Features and Benefits of RAKBank Titanium Creditcards

RAKBank through the Titanium credit card extend valuable benefits to card members as follows:

The cashback provided on international transaction is 5%, and its application includes Internet transactions and cash advances.

The Cashback on domestic retail purchases is 3%.

Outstanding retail purchases are applied with low interest rate.

Minimum monthly payment can be made as low as 3% of the account balance.

Above the shopping benefits and convenience, purchases are covered with Purchase Protection.

Moreover, other insurance coverage is provided for the benefit of card members including Travel accident insurance and Fraud protection insurance through MasterCard.

Other members of the family can also enjoy the benefits of RAKBank Titanium credit cards through the free Supplementary cards.

Settle credit card accounts conveniently through RAKBank EDM or ATM. Better yet, you can pay your credit card bills at RAKBank Exchange houses; Redha Al Ansari Exchange, UAE Exchange, Al Ansari Exchange, Sharaf Exchange, Al Razouki Exchange, Al Fardan Exchange and Wall Street Exchange.

RAKBank Titanium Creditcards Features in Detail

The Cashback

Get the maximum returns from what you spend on domestic and international retail purchases. Upon redemption of the cashback, the same will be credited to your account.

Cardholders can easily redeem their cashback through the 24/7 phone banking. Cashback is credited to your account within three days.

Card Global Acceptance

RAKBank Titanium Creidtcards - Exclusive Features

RAKBank Titanium Creditcards are accepted in over 26 million establishments that accept MasterCard in over 150 countries.

Cardholders can use their cards in withdrawing cash from Automated Teller Machines as well as getting cash advance from over the counter at any bank branches and Exchange Houses, which are MasterCard members.

Winning AED 1,000,000

Gets the chance of winning AED 1,000,000 every six months with every AED 500 purchase using your card.

Premium Lifestyle Privileges

Card member can experience exclusive range of privileges at major shops in UAE for fashion, dining, getaways, entertainment, jewelries, fitness and spa as well as bookstores and department stores.

Travel Benefits

Book flights at participating travel agent using your card and avail of discounts other than cashback.

RAKfeast Dining Privileges

Dine with exclusive privileges at major restaurants using your RAKBank Titanium card. Card members can visit MasterCard website to download app for details to go directly to your smart phone.

Insurance Benefits

Cardholders of RAKBank Titanium Creditcards are provided with insurance coverage including Purchase Protection as well as Travel Accident Insurance. These insurances cover personal liability, personal accident cover, travel delay, loss and delayed baggage.

Privileged Lifestyle with RAKBank Titanium Creditcards

RAKBank Titanium Creditcards extend valuable privileges and benefits that match elite lifestyle.

RAKBank Titanium Creidtcards - Elite Lifestyle

These cards have no annual fee to begin with, which is a valuable savings while enjoying the use of the card every year.

The card offers up to 5-percent cashback to card members and they are given exclusive deals on jewelry, electronic gadgets, furnishing, holiday get away, dining and many more.

Privilege discounts are offered on card user’s shopping as well as dining.

And with all these shopping opportunities, cardholders can take advantage of up to fifty five days of interest free credit.

Card members can get a chance of winning millions every six months.

Cash availability is not a concern because card members can make cash advances even up to fifty percent of their credit limit.

With the card, get exclusive global discounts on hotels and premium brands; you can definitely travel in style.

Features and Benefits of RAKBank Titanium Creditcards

RAKBank through the Titanium credit card extend valuable benefits to card members as follows:

The cashback provided on international transaction is 5%, and its application includes Internet transactions and cash advances.

The Cashback on domestic retail purchases is 3%.

Outstanding retail purchases are applied with low interest rate.

Minimum monthly payment can be made as low as 3% of the account balance.

Above the shopping benefits and convenience, purchases are covered with Purchase Protection.

Moreover, other insurance coverage is provided for the benefit of card members including Travel accident insurance and Fraud protection insurance through MasterCard.

Other members of the family can also enjoy the benefits of RAKBank Titanium credit cards through the free Supplementary cards.

Settle credit card accounts conveniently through RAKBank EDM or ATM. Better yet, you can pay your credit card bills at RAKBank Exchange houses; Redha Al Ansari Exchange, UAE Exchange, Al Ansari Exchange, Sharaf Exchange, Al Razouki Exchange, Al Fardan Exchange and Wall Street Exchange.

RAKBank Titanium Creditcards Features in Detail

The Cashback

Get the maximum returns from what you spend on domestic and international retail purchases. Upon redemption of the cashback, the same will be credited to your account.

Cardholders can easily redeem their cashback through the 24/7 phone banking. Cashback is credited to your account within three days.

Card Global Acceptance

RAKBank Titanium Creidtcards - Exclusive Features

RAKBank Titanium Creditcards are accepted in over 26 million establishments that accept MasterCard in over 150 countries.

Cardholders can use their cards in withdrawing cash from Automated Teller Machines as well as getting cash advance from over the counter at any bank branches and Exchange Houses, which are MasterCard members.

Winning AED 1,000,000

Gets the chance of winning AED 1,000,000 every six months with every AED 500 purchase using your card.

Premium Lifestyle Privileges

Card member can experience exclusive range of privileges at major shops in UAE for fashion, dining, getaways, entertainment, jewelries, fitness and spa as well as bookstores and department stores.

Travel Benefits

Book flights at participating travel agent using your card and avail of discounts other than cashback.

RAKfeast Dining Privileges

Dine with exclusive privileges at major restaurants using your RAKBank Titanium card. Card members can visit MasterCard website to download app for details to go directly to your smart phone.

Insurance Benefits

Cardholders of RAKBank Titanium Creditcards are provided with insurance coverage including Purchase Protection as well as Travel Accident Insurance. These insurances cover personal liability, personal accident cover, travel delay, loss and delayed baggage.

Turn into the World of RAKBank Prepaid Cards

RAKBank Prepaid Cards are the simplest and easiest way to put cash out of commission.

Introduce yourself to prepaid card way of life by choosing the best one that meets your requirements.

The RAKBANK Bayani Card

Are you a Filipino? The Bayani Prepaid Card is the first card ever that is created in the UAE for Filipinos that live there.

RAKBank Prepaid Cards - Card Features

The card provides valuable offers on retail shopping, and the ability to send money to their loved one in the Philippines instantly.

Above all, Bayani Prepaid Card is an exemplary way in managing personal finances and convenient for payments and shopping both in retail store and online without worrying about cash.

With Bayani card, customers will get two cards for every application. The main card is for use of the cardholders and the other one for their family.

The Bayani card has two wallets; one is AED and the other is USD. This feature provides flexibility in terms of use for local and international money transfer transactions.

Bling and Loaded Prepaid Cards

These prepaid cards from RAKBank are useful in many wonderful ways.

The card makes safe pocket money for children when they go out with other kids.

They can use the card to shop for their needs such as toys, clothes, books and other essential items for children.

The children can use the card to play their favorite video games, download favorite music, watch movies or buy concert tickets.

Bling and loaded RAKBank Prepaid Cards are perfect for your daily spending such as getting groceries, buying gifts for special occasions, completing fashionable wardrobe, paying utility bills, visiting beauty salons, doing workouts and other daily spending.

Whatever your choice may be, you will find prepaid cards from RAKBank to be most helpful.

Basic Features of RAKBank
Prepaid Cards

These cards are packed with unequalled features that will give the most convenience and protection to cardholders.

  • The cards are reloadable through various convenient channels.
  • Cardholders can enjoy wide range of special offers and store promotions at their favorite stores and outlets.
  • Withdrawals of cash can be easily done through ATMs and where MasterCard cards are accepted.
  • Do convenient and safe shopping online.
  • Cardholders can do responsible monitoring of their spending using the Internet.
  • Customers are provided with complimentary insurance coverage; Purchase Protection insurance and Travel Accident insurance.
  • How to Get and Use RAKBank Prepaid Cards

    With your choice of prepaid cards, be ready to get them and put them in use, here is how:

    Getting the Card

    Applicants can get the card by themselves or ask for assistance from someone who knows. The Argument Generator is necessary, if you are under 18 years old. Ask your parent’s concerning the application.

    Apply now for RAKBank Prepaid Cards and start to experience convenience in life. How to Reload the Card Cardholders can load their cards through the following methods:

    RAKBank Prepaid Cards - Getting the Card

  • Load the cards using Electronic Deposit Machines (EDM) that are available at any RAKBank branches.
  • Load the cards through Exchange Houses; UAE Exchange, Al Fardan Exchange, Al Ansari Exchange, Wall Street Exchange, Sharaf Exchange, Al Razouki Exchange, Lulu International Exchange and Redha Al-Ansari Exchange.
  • Existing account holders of RAKBank can choose to load through the following:

    Online/Mobile Banking. Load by clicking ‘Pay Bills’, and using ‘Add Payee’ for the prepaid cards.

    IVR. Load by simply calling 800 4049 to effect transfer of funds from your RAKBank account to the prepaid card.

    Automated Teller Machine. Load by using RAKBank ATM to transfer funds from RAKBank account to RAKBank Prepaid Cards.

    Health and RAKBank nmc MasterCards

    RAKBank nmc Mastercards  are created with the nmc Group having the intention to take good care of card members’ health. This is a remarkable combination of nmc Group, a leader in healthcare and RANKBank card beneficial features.

    RAKBank nmc MasterCard - Health Features

    Take advantage of valuable discounts at nmc hospitals, opticians, pharmacies and beauty salons. This is more than a cardholder could ask for concerning overall health welfare.

    Additionally, card users can still enjoy the special discounts and offers on shopping and dining, which serves the usual convenience the card offers.

    The card does not charge an annual fee; therefore, availing of the health and other benefits provided by the card will not be hampered.

    Every six months, card members are also given the opportunity in winning a million Arab Emirates Dirhams. This brings encouragement of using the card often.

    Customers can even avail of cash advances up to fifty-percent of their credit limit. RAKBank takes care of your financial concerns as well.

    One good thing about the card is the chance to share the benefits of the card with other members of the family by getting the free Supplementary cards.

    RAKBank credit cards in coordination with the nmc Group have a lot in stored for all the card members in taking care of their health while providing the privileges in using their cards.

    RAKBank nmc MasterCards Features and Benefits

    The nmc Mastercard has the essential features of RANBank credit cards, which benefit the cardholders other than its purpose of protecting your health.

  • Get up to five-percent Cashback on international retail purchases, online shopping and cash advance.
  • Get one-percent Cashback on domestic retail purchases with at least AED 1,000 monthly minimum spending.
  • The outstanding retail purchases’ interest rate is lower than the regular rates. This offers peace of mind if you are forwarding balances on your credit card account.
  • Shop with ease and get an interest free credit up to fifty-five days; you can even choose to settle your account at a minimum of three-percent monthly payment.
  • When you shop using the RAKBank nmc MasterCards, the items are covered with Purchase Protection.
  • Moreover, you can get insurance coverage on the Travel Accident free.
  • Exclusive Discounts through RAKBank nmc MasterCards

    The card features remarkable discounts that card members can avail by just using their credit card. The discounts are applicable to specific transactions to service various categories.

    RAKBank nmc MasterCard - Cards

    10-perecent discount applied for X-ray, Mammography, Ultra Sound, CT scan and MRI scan at nmc Hospital in Abu Dhabi, National Hospital in Abu Dhabi, nmc Hospital Dubai and nmc Medical Center – Sharjah

    8-percent discount applied to non-pharmaceutical product purchases at New Pharmacy LLC, New Medical Centre Pharmacy and Reema Pharmacy (all are inAbu Dhabi) and Pharmacy in Dubai, Bait Al Shifaa

    15-percent discount applied to optical products at Focus Optics in Dubai, nmc Optics

    10-percent discount (free dining for one person in a group of four or more) applied to dining at Foodlands Restaurants – Abu Dhabi, Zari Zardozi, Le Meridian – Abu Dhabi, Foodlands Restaurant, Dubai, Dakshin Restaurant, Lotus Hotel – Dubai

    10-percent discount applied to charges on gold jewelries at Aabharan Jewelers in Abu Dhabi, Aabharan Jewelers – Dubai

    These discount offers are available exclusively for RAKBank nmc MasterCards users, and cannot be applied along with other offers.

    The Prestige of having RAKBank MasterCard

    Use RAKBank MasterCard and get a chance of winning AED 1,000,000 every six months. It is not common that card offers huge amount of money in exchange for your patronage.

    RAKBank MasterCard - Card Features

    With RAKBank cards, cardholders can earn Cashback on local and international purchases as well; this gives more encouragement of using the card regularly.

    There is nothing to think about paying in order to maintain use of the card because of the no annual fee payment ever.

    The card has low interest rate applied to the outstanding retail purchases, and monthly payments can be made for as low as three-percent of the account balance. Others may think this is unbelievable.

    There are more values to MasterCard cards other than convenience; RAKBank ensures customers of greater satisfaction to the services offered and even extending more valuable privileges than that of regular credit card provides.

    RAKBank MasterCard Offers More

    Customers usually expect more than what they already have, and MasterCard from RAKBank is committed to offer more in meeting the needs.

  • Cashback is offered at 5-percent on international retail purchases, cash advance and online transactions.
  • On the other hand, cashback is offered at one-percent on monthly domestic retail transactions, which should be at least AED 1,000.
  • RAKBank through MasterCard offers cash advance even up to 50-percent of your credit limit. This is more than one could ask for.
  • The card gives the special privileges to shoppers by offering them with discounts on shopping and dining.
  • Cardholders are also offered with up to fifty-five days of interest free credit, and they are given the opportunity to share the great benefits to their loved ones through the free Supplementary cards. If that is not something, I do not know what is?
  • The card offers essential protection coverage including Purchase protection and Travel accident insurance.
  • Dining Privileges with
    RAKBank MasterCard

    Dining becomes an important tradition to people especially for families, relatives and friends. It is always the best time to get together, reconnect and share life experiences.

    People regardless of culture or race consider dining to play crucial role in reuniting with families and old friends; which is the reason why dining have to be pleasurable and enjoyable.

    There are dining that take place at home, where the host invites guests to dine with the food especially prepared for the occasion; and there are those that take place in a preferred place in order to make dining more presentable and convenient.

    Dining Offers through RAKfeast

    RAKBank MasterCard - More Offers

    RAKfeast is an exclusive dining programme that offers discount to RAKBank MasterCard cardholders. This is something you should know.

    With RAKfeast, MasterCard cardholders can use their card to dine at participating restaurants and enjoy the company of their families and loved ones.

    Card members can get their preference of food and beverages and conveniently pay using their card with great savings as well.

    The good thing is that you are always informed with the latest offers and deals on great dining among the leading restaurants.

    Better yet, members can also go online and see the complete list of participating establishments.

    Take advantage of this wonderful opportunity to get together with families and friends at your preferred place of dining, and fully enjoy the moment with the RAKBank Mastercard.

    Shopping and RakBank Geant La Carte Creditcards

    Consider RakBank Geant La Carte Creditcards as great companion for your shopping.

    These cards embodied the co-branding between the FuCom Group and RAKBANK.

    The combination resulted to the delivery of cards’ essential benefits and rewards through Le Marche and Geant.

    RakBank Geant La Carte creditcards - Shopping Cards

    Patterned with the designs of best store outlets in Europe, the Hypermarket covers huge store area and has an average of forty customer checkout counters to facilitate faster service.The store carries at least 65,000 product lines that include food items, groceries, apparels, house wares, beauty care products, consumer electronics and many more.

    The Hypermarket’s marketing strategy is applied to the card together with the dynamic theme-based advertising campaigns in order to reach out all classes of multi-cultural customers in Dubai.

    Just like the other cards from RAKBANK, RakBank Geant La Carte creditcards are highly accepted in more than 24 million places around the world.

    Therefore, the shopping opportunities of cardholders are unlimited, and they can even use the card for cash withdrawals from Automated Teller machines anywhere around the globe that display the MasterCard or Cirrus mark.

    Chief Features of RakBank Geant La Carte Creditcards

    Whenever a remarkable card is offered it hauls with it immense features that extend considerable favors to the cardholders.

    RakBank Geant La Carte credit cards feature the following:

  • Card members are free from paying annual fee
  • Outstanding purchase balances (retail) will only be charged with 2.69% low interest
  • Double chances of winning Dhs 1,000,000 every year
  • Capability of getting Supplementary Cards free
  • Facilitates exclusive advantage of Credit Card Cheque
  • Execute balance transfer for as low as 1.50% interestRakBank Geant La Carte Creditcards - Card Features
  • Take advantage of up to fifty-five days credit without interest
  • Free Purchase Protection coverage
  • Travel Accident Insurance free
  • Credit Shield Protection coverage
  • Availability of cash advance up to 50-percent of credit limit
  • Inclusion of RAKfeast dining program
  • The Points Program – La Carte

    How to earn:

    RakBank Geant La Carte Credit cards are entitled to La Carte Points Program.

    The program rewards card members with two (2) La Carte points every time they spend AED 10 with their cards at Geant Hypermarkets or Le Marche Supermarkets in GCC.

    Cardholders can also earn one (1) La Carte point every time they spend AED 10 at outlets across UAE and the world.

    The earned points have no expiration and summarized in the monthly card statement.

    How to redeem:

    RakBank Geant La Carte Creditcards - Reward Points

    Card members can easily redeem the points by using 100 La Carte Points to redeem AED 10 Geant shopping voucher.

    The vouchers are available at AED 10, AED 25 or AED 100 denominations.

    Cardholders just have to present their credit card statement to collect the vouchers at La Carte CS desk.

    The vouchers can be used to buy groceries, gadgets, electronic goods and other items at Geant Hypermarkets and Le Marche Supermarkets.

    What’s more? Get prioritized through quick check-out when paying for the items at designated cash counters for card members of RakBank Geant La Carte Creditcards. Card users will be updated consistently with special offers and promotions on wide range of products.

    Getting Best Deals with RAKBank Debit Cards

    The RAKBank Debit Cards are first of their kind in the UAE.

    RAKBank Debit Cards - Cashless Spending

    These cards deliver unequalled privileges and ease in shopping without using cash.

    They provide opportunity for cashback rewards; have enhanced buying security and wide acceptance.

    Debit card gives quick access to cardholders’ RAKBank account through Automated Teller Machines worldwide that accept MasterCard,

    Additionally, the cards are very useful in making retail purchases and availing services from various establishments around the globe.

    Debit card from RAKBank are offered in two types; standard and premium. These two have remarkable features that are identified with debit cards.

    The Features of RAKBank Debit Cards

    The following features and privileges present the many ways which make debit cards wonderful to have.

    Monthly retail purchases in UAE are awarded with one percent cashback and two percent when made outside the UAE.

    Every debit card transactions of cardholders are provided with instant SMS notifications.

    Conveniently withdraw cash anytime and anywhere from over a million ATM locations where MasterCard are accepted.

    Purchase protection is provided by RAKBank card as well as Travel Accident Insurance.

    Take advantage of huge savings on travel packages arrange with MMI Travels.

    RAKfeast program offers exclusive offers through debit cards.

    Premium debit cardholders are treated with Lifestyle Privileges Programme.

    Debit cards ensure reliable prevention of card fraud or counterfeiting through the state of the art Chip Card technology.

    Unique Offers from RAKBank Debit Cards

    RAKfeast Program

    Considering that people dine most of the time, the program is very much relevant to their spending.

    The program offers exclusive discounts on your dining activities with family, friends or business partners.

    Great savings await the debit card users that use the card in paying for the food and beverages served at participating restaurants.

    Subscription with the program gives the options of selecting the category, outlet, specific dining offer and the location.

    Lifestyle Privilege Program

    The program works by referring great shopping deals and discounts for various items.

    Daily deals are provided by the site together with ongoing deals and past deals.

    The site provides the search option by providing the choice to the designated selection slot; preferred location, item’s specific category, deals that represent the RAKBank program and choose the outlet where to find the deals presented.

    How the program works?

    RAKBank Debit Cards - Card Features

    Cardholders of debit card can subscribe with the site and have the privilege of getting alerts on e-mail or mobile phone.

    Upon deciding on the item subscriber should simply click the “Buy Now” button and use the card in paying for the merchandise.

    The deal will be confirmed through e-mail.
    In redeeming the item, the coupon should be printed and presented to the merchant outlet.

    How to use “Ongoing Deals” option?

    Ongoing Deals section presents the available deals in various store outlets.

    Cardholders have privilege to avail of the deal through store visit and pay using the card.

    Every store outlets offers their respective discount structures that the subscribers can consider when purchasing.

    RAKBank Debit Cards have essential features that extend benefits to cardholders and offer consistent valuable deals.

    RAKBank Cards Essential Products

    RAKBank Cards are great products of RAKBank composed of credit cards, debit cards and prepaid cards.

    RAKBank is identified in the UAE as retail, small business bank with assets reaching to 27 billion as of December 2012.

    RAKBank Cards - Card Products

    The bank, which was founded in 1976, is among the oldest financial establishments in Ras Al-Khaimah, UAE. The institution offers wide range of small business and personal banking services through their bank network branches and through Online and Mobile banking facilities.

    RAKBank is considered as major issuer of card products in the UAE, and the first bank that features cards that are “Free for Life” and cards that yield Cashback on purchases.

    These features are now being adopted by other members of the industry in the United Arab Emirates.

    The bank was noted with the highest growth and return on assets among the banks that are in the GCC (Gulf Cooperation Council).

    Moreover, RAKbank belongs to the most dynamic banks in the category of small to medium financial enterprise.

    As a committed business entity, the bank offers relevant financial solutions to enterprising individuals and leads in providing personal loans and mortgage with reliable customer service in the UAE.

    RAKBank Cards Diversified Products

    The major transformation happened to RAKBank brought about changes in their business focus from corporate banking into retail and small business.

    Along with these changes of events is the launching of RAKbank Cards.

    Credit Cards

    The company’s first credit card was launched in 2001; Visa Classic and Visa Gold. At that time, it captured about 20-percent share of the market composed of some 300,000 customers.

    With RAKBank introduction of diverse product features, they became popular in providing the “Free for Life” credit cards, which eliminate payment of annual fee.

    The year 2006 marks another first from RAKBank; the launching of Titanium MasterCard, the company’s first premium credit card.

    Titanium card brings in a new idea of card reward system in the UAE known as Cashback program. This card earned an award given by MasterCard through its Worldwide Gold Awards.

    The other cards offered by RAKBank along with the Titanium MasterCard are the Visa Classic, Visa Gold and standard credit cards of MasterCard.

    RAKBank cards also issued co-branded cards such Geant La Carte Creditcard and MasterCard NMC.

    In 2011, RAKBank received a title as the Best Credit Card provider in the region given by respected award-giving body in the Middle East.

    Debit Cards

    RAKBank Cards - Card Preference

    RAKBank offered debit card in 2009, the first in the UAE. It introduces cashback to customers as a certain percentage of their purchases.

    Convenience and security are the major benefits of this type of card. It provides access of funds any time and eliminates the trouble related with check payment.

    Prepaid Cards

    Prepaid cards were launched by RAKBank in the early part of 2011. The bank offered RAKBank Loaded and RAKBank Bling initially.

    These prepaid cards are reloadable and can be used at merchant stores that accept MasterCard.

    Prepaid cards are cash alternative, which permit consumers to transact just like regular debit and credit cards do. The cards are not in any way linked to certain account and therefore available to everybody.

    The latest addition to RAKBank prepaid cards is the Bayani card. This prepaid card caters to the needs of the Filipino community in the region, which services include money sending facility to their families electronically.

    Overall, RAKBank cards are among the most successful products of the bank that contribute to the growth and financial well-being of people and businesses in the UAE.