Checking Your RAK Bank Credit Card Balance

RAK Bank (National Bank of Ras Al-Khaimah) is one of the UAE's prominent retail banks, and its credit cards are widely used across the country. Keeping track of your credit card balance helps you avoid overspending, manage your credit utilization, and avoid late payment charges. Here are all the ways to do it.

Method 1: RAK Bank Mobile App (RAKislamic / RAK Mobile)

The RAK Bank mobile app is the most convenient option:

  1. Download the RAK Bank Mobile Banking app from the App Store or Google Play.
  2. Log in with your registered username and password, or use biometric login.
  3. On the home screen, tap "Cards" or "Credit Cards".
  4. Select your card to view the current balance, available credit limit, minimum amount due, and payment due date.

Method 2: RAK Bank Online Banking

  1. Go to the official RAK Bank website and navigate to "Online Banking".
  2. Log in with your internet banking credentials.
  3. Select "Cards" from the top menu to view your credit card summary.
  4. You can also download recent statements and view transaction history from this screen.

Method 3: SMS Balance Enquiry

RAK Bank offers SMS banking for quick balance checks:

  1. From your registered mobile number, send an SMS to RAK Bank's SMS banking shortcode (available on their official website or the back of your card).
  2. Type BAL CC (or the specific keyword for credit cards as listed in your welcome kit).
  3. You'll receive an SMS reply with your outstanding balance and available limit.

Method 4: ATM Balance Enquiry

  1. Visit any RAK Bank ATM or a UAE network ATM.
  2. Insert your RAK Bank credit card and enter your PIN.
  3. Select "Balance Enquiry" from the menu.
  4. For credit cards, this shows your current outstanding balance and available credit.

Note: Using third-party ATMs may incur a balance enquiry fee.

Method 5: RAK Bank Customer Service

  1. Call RAK Bank's 24/7 contact centre at 800 RAK (725) or the number on the back of your card.
  2. Select the credit card option from the IVR menu.
  3. Authenticate yourself and request a balance enquiry.

Understanding Your RAK Bank Credit Card Balance

Term What It Means
Current Balance Total amount you owe right now, including recent transactions
Statement Balance Balance at the last billing cycle close — the amount on your statement
Minimum Amount Due The smallest payment you can make to avoid a late fee this month
Available Credit How much more you can spend before reaching your credit limit
Credit Limit The maximum total balance your card is authorized to carry

Tips for Managing Your RAK Bank Credit Card

  • Pay more than the minimum whenever possible — interest charges on unpaid balances can add up quickly.
  • Set up auto-pay for at least the minimum due to avoid late fees and protect your credit record.
  • Enable transaction alerts in the mobile app to monitor spending in real time.
  • Review your monthly statement thoroughly — report any unrecognized transactions to RAK Bank promptly.
  • Keep your credit utilization below 30% of your limit to maintain a healthy credit profile in the UAE.