Air Arabia Platinum Credit Card – Is It the Best Travel Card for Frequent Flyers in the UAE?
Posted on |
Travelers in the UAE are increasingly looking for credit cards that blend everyday spending with real travel perks. Enter the Air Arabia Platinum Credit Card, issued by RAKBANK in partnership with the UAE’s beloved budget airline. With travel re-emerging as a priority and frequent flights across the Gulf and beyond, a co-branded card isn’t just a bonus; it’s a travel essential for savvy spenders.
Air Arabia has carved a niche as a go-to for affordable, reliable flights across the Middle East and South Asia. So pairing it with a tailored card makes perfect sense. Why? Because using the card means unlocking exclusive benefits, like accelerated AirRewards points, free annual return tickets, lounge access, and even airport transfers, all designed to complement how people fly today.
This blog post will break down everything about the Air Arabia Platinum Credit Card: from key perks and fees to who it’s best for. We’ll also compare it with other top travel cards in the UAE, helping you decide whether this is the smart travel companion you’ve been waiting for.
What Is the Air Arabia Platinum Credit Card?
The Air Arabia Platinum Credit Card is a co-branded travel card offered by RAKBANK, also known as the National Bank of Ras Al Khaimah. As one of the UAE’s longest-standing and most trusted banks, RAKBANK is known for providing consumer-friendly credit products tailored to local lifestyles.
This particular card is built for those who frequently fly with Air Arabia, the UAE’s flagship low-cost airline. It combines the practical benefits of a standard credit card with a range of travel-linked perks—from earning points to enhanced airport experiences.
For those evaluating whether travel rewards cards deliver meaningful returns, this guide on travel rewards credit cards provides helpful context on how to assess their real-world value.
Plus, you can stretch your travel budget even further by booking your Air Arabia flights through Expedia, where you’ll often find exclusive deals, discounts, and bundled savings on flights, hotels, and more.
Key Benefits for UAE Travelers
The RAKBANK Air Arabia Platinum Credit Card is packed with value-driven perks that appeal to frequent flyers and budget-conscious travelers across the UAE. Designed in partnership with Air Arabia—one of the region’s leading low-cost carriers—this card turns everyday spending into tangible travel rewards, offering a smart way to fly more while spending less.
Welcome Bonus Worth Taking Off For
New to RAKBANK? You can receive a generous 20,000 AirRewards bonus just by spending AED 5,000 within the first three months of card issuance. It’s an attractive jumpstart for any cardholder looking to quickly unlock the value of their credit card through regular retail transactions.
Free Annual Return Ticket on Meeting Spend Threshold
Perhaps one of the most appealing features of the card is the complimentary return ticket on Air Arabia, valid for flights originating from the UAE. To qualify, cardholders need to spend AED 30,000 in a calendar year—making this benefit well within reach for regular users. This perk alone can cover a significant travel expense annually.
Fly Now, Pay Later – Interest-Free
Planning a getaway but want to spread the cost? Cardholders can enjoy a 0% Easy Payment Plan for up to 12 months on ticket purchases made through AirArabia.com. There are no processing fees, making it a stress-free way to budget travel expenses without incurring interest.
Earn Rewards on Everyday Spending
The AirRewards program—considered one of the most generous loyalty schemes in the region—lets you earn points even on non-travel purchases:
- 1.75 points per AED 5 spent on AirArabia.com
- 1.75 points per AED 5 spent internationally
- 1.25 points per AED 5 spent within the UAE
- 0.30 points per AED 5 spent on select special categories
Accumulated points can be easily redeemed for flight tickets, upgrades, and more, adding real, practical value to every transaction.
Extras That Make Travel Smoother
Cardholders spending AED 20,000 annually are also eligible to receive 10kg of complimentary baggage and two free meal vouchers on Air Arabia flights. These add-ons help offset typical travel costs and contribute to a more comfortable flying experience
Fees, Eligibility & Application
Eligibility Criteria
The RAKBANK Air Arabia Platinum Credit Card is available to both UAE citizens and residents. To qualify, applicants must meet the following basic requirements:
- Minimum monthly salary: AED 5,000
- Residency status: UAE citizen or resident
This income threshold makes it accessible to a wide range of employed individuals looking to make the most of their frequent Air Arabia travel.
Fees & Charges
While this credit card comes with a standard annual fee, there are several ways to have it waived, especially beneficial for those who use the card actively throughout the year.
- Annual Fee: AED 420 (including VAT)
- Waiver Condition: The fee is waived if you spend at least AED 20,000 in retail transactions during the previous card year.
- Joining Bonus Fee: AED 400 (applies during signup)
- Waiver for Joining Bonus Fee: Waived if you spend AED 5,000 on retail purchases within the first 3 months of card issuance.
These spend-based waiver options add flexibility and allow frequent spenders to enjoy premium travel benefits without ongoing costs.
How to Apply
Applying for the Air Arabia Platinum Credit Card is straightforward and convenient, with multiple application channels available:
- RAKBANK Mobile App (Recommended): Download the RAKBANK app and apply instantly with minimal paperwork.
- Callback Request: Submit your contact details on the RAKBANK website, and a representative will get in touch.
- Branches: Visit a nearby RAKBANK branch to apply in person.
Applications are reviewed quickly, especially for those who meet the income criteria and are already banked with RAKBANK.
Is the Air Arabia Platinum Credit Card Right for You?
Not every credit card is one-size-fits-all, and that’s especially true when it comes to travel rewards. The Air Arabia Platinum Credit Card is purpose-built for a specific kind of traveler: someone who values savings, regional convenience, and added travel perks without the price tag of a luxury card.
If you see yourself in any of the profiles below, this card could be a smart addition to your wallet and your travel plans.
Frequent Air Arabia Flyers
If you regularly book with Air Arabia, this card helps you earn faster and fly cheaper. Between bonus AirRewards points, complimentary return tickets, and perks like baggage and meal vouchers, it maximizes value on every flight.
Budget-Conscious Regional Travelers
Those who often travel within the GCC, India, or North Africa will benefit most from the airline’s extensive regional network. Combine that with low-cost fares and cardholder rewards, and you’re stretching every dirham.
UAE Residents Who Value Travel Perks
From airport lounge access to free Careem airport transfers, this card adds comfort and convenience to your trips, without the typical high annual fees of premium cards.
Smart Spenders Who Want More for Less
With an annual fee that’s waived in the first year (and later waived with modest spending), this card gives plenty without demanding too much in return. Perfect for value seekers who still want meaningful perks.
How It Stacks Up Against Other UAE Travel Cards
When choosing a travel credit card in the UAE, it helps to see how options compare, especially across perks like reward rates, lounge access, and airline partnerships. Here’s how the RAKBANK Air Arabia Platinum Credit Card stacks up against two popular alternatives tied to national carriers:
| Feature / Card | RAKBANK Air Arabia Platinum | Emirates NBD Etihad Guest Visa Elevate | ADCB Etihad Guest Infinite |
|---|---|---|---|
| Airline Partner | Air Arabia (Low-cost regional airline) | Etihad Airways (Full-service national carrier) | Etihad Airways |
| Welcome Bonus | 20,000 AirRewards (on AED 5,000 spend) | 10,000 Etihad Guest Miles (on AED 5,000 spend) | Up to 60,000 Etihad Guest Miles (tiered by spend) |
| Reward Rate | Up to 1.75 AirRewards / AED 5 (Air Arabia & intl.) | 1 Etihad Mile / AED 3 local, 2 Miles / AED 3 intl. | 3 Miles / AED 4 domestic, 6 Miles / AED 4 on Etihad |
| Lounge Access | Limited: 2 free airport transfers with Careem per year | 8 complimentary airport lounge visits per year (via LoungeKey) | Unlimited lounge access globally (LoungeKey) |
| Annual Fee | AED 400 (waived 1st year, or on AED 20K spend) | AED 399 (waived 1st year) | AED 2,625 (waived on AED 150K annual spend) |
| Extra Perks | Free return ticket, baggage & meal vouchers, 0% EPP | Cinema offers, golf access, valet parking | Fast-track tier upgrade, complimentary chauffeur (business class), golf privileges |
| Best For | Regional budget travelers | Entry-level Etihad flyers & casual travelers | High-spending Etihad loyalists & frequent fliers |
Other Ways to Save Money While Traveling With Air Arabia
While credit cards like the Air Arabia Platinum help you earn rewards and enjoy perks, you can stretch your travel budget even further by stacking savings with travel coupons and discount codes for Air Arabia from Saving Says AE.
Sign Up Newsletter
Sign Up Discount 10 % OFF
Sign Up Discount 10 % OFF
Sign Up To Receive Latest Deals & Save 10 % OFF Your First Order
Hot Deal
Sign Up Newsletter
Sign Up Discount 10 % OFF
Sign Up To Receive Latest Deals & Save 10 % OFF Your First Order
Sign Up Discount 10 % OFF
Sign Up To Receive Latest Deals & Save 10 % OFF Your First Order
Conclusion
The Air Arabia Platinum Credit Card by RAKBANK is a well-rounded option for UAE residents who travel frequently with Air Arabia or within the region. With generous AirRewards earning potential, complimentary tickets, airport perks, and flexible payment options, all for a relatively low annual fee, it’s a strong contender for smart, budget-conscious travelers. While it’s best suited for those who regularly fly with Air Arabia, even casual flyers can benefit if they meet the spending thresholds. For anyone looking to get more out of their travel without overspending, this card makes a compelling case.
Frequently Asked Questions
Q. Who is eligible for the Air Arabia Platinum Credit Card?
The card is available to both UAE citizens and residents who earn a minimum monthly salary of AED 5,000. Applicants must meet RAKBANK’s standard credit approval criteria.
Q. Is the annual fee for Air Arabia Platinum Credit Card always applicable?
No. The annual fee of AED 420 (VAT inclusive) is waived if you spend at least AED 20,000 in retail transactions during the previous card year. Similarly, the AED 400 joining bonus fee is waived if you spend AED 5,000 within the first 3 months.
Q. What travel benefits does the card offer with Air Arabia?
Cardholders can earn 20,000 bonus AirRewards, get a free annual return ticket (upon AED 30,000 spend), earn rewards on all purchases, and receive perks like complimentary baggage, meal vouchers, and Careem airport transfers.
Q. How can I redeem AirRewards points earned through this card?
AirRewards points can be redeemed directly on airarabia.com for flight tickets, upgrades, and other services. The redemption process is user-friendly and doesn’t involve blackout dates.
Q. Are international purchases eligible for AirRewards points?
Yes. You earn 1.75 AirRewards points for every AED 5 spent internationally, making it a valuable card for frequent overseas spending.
Q. Can I use this card for interest-free travel payments?
Absolutely. You can use the 0% Easy Payment Plan for up to 12 months on ticket purchases made on AirArabia.com, with no processing fees.
Q. How do I apply for the Air Arabia Platinum Credit Card?
You can apply via the RAKBANK mobile app, request a call-back through the RAKBANK website, or visit any RAKBANK branch. The mobile app is the fastest and most recommended method.
Q. How can I save more while travelling with Air Arabia?
Yes! In addition to using the Air Arabia Platinum Credit Card, you can find exclusive Air Arabia promo codes and travel discounts at Saving Says AE. These coupons can help you save on base fares, baggage fees, in-flight services, and more.
