RAKBANK Titanium cashback rate, cap and annual fee

Free for life, and every rate on it is conditional on spending AED 2,000 in the month — RAKBANK's own words are that you "start earning all cashback benefits by spending only AED 2,000 per month". Below that, nothing. Above it: 50% back on cinema and on video streaming subscriptions, capped at AED 100 each; 5% on supermarkets and on dining, capped at AED 100 each; 2% on e-wallet top-ups and 1% on ordinary retail, each capped at AED 100. The 50% is a ticket discount rather than a rate — AED 100 is about two cinema tickets — and the 5% is exhausted by AED 2,000 of shopping, which is the same figure as the minimum. The entry this replaces came from a comparison table and had the cinema ceiling at AED 70, both 5% ceilings at AED 150, and no mention of the minimum spend, the streaming rate, the e-wallet rate or the 1%. Source: RAKBANK's own Key Fact Statement for the card, read 19 Sep 2026.