A2. There are no charges for enrolment into the RAKrewards program. RAKrewards are currently offered on Murabaha Gold, Murabaha Platinum, Murabaha World, High Flyer Platinum and My Ras Al Khaimah (Conventional & Islamic) Credit Cards.

A3. RAKrewards opens up a world of rewards to you. With every purchase on your Credit Card you earn RAKrewards that can be redeemed towards airline ticket purchases, hotel reservations, online shopping, dining vouchers etc.

A4. Under RAKBANK's Cashback Anywhere program, the customer earns Cashback on his Credit Card which can be redeemed and credited to his Credit Card only. With RAKrewards, you earn RAKrewards on every purchase on your Credit Card that can be redeemed towards the various redemption options available on RAKrewards portal.

A5. Yes, online purchases are eligible for RAKrewards.

A6. Your RAKrewards will be summarized on your monthly Credit Card statement and you can also check your RAKrewards under the My Account section or on the Profile tab on the ' RAKrewards' website www.rakrewards.ae .

A7. RAKrewards are valid for 36 months. RAKrewards which are not redeemed within 36 months will expire.

A8. You can refer the RAKBANK website www.rakbank.ae or the RAKrewards portal www.RAKrewards.ae for the terms and conditions of the RAKrewards program.

A9. To log in to the RAKrewards portal you need to activate your RAKrewards account and create your RAKrewards account password followed by RAKrewards account Username Once these details are successfully created you will be taken to the Login screen.

A10. No, you need to separately register yourself at RAKrewards portal through the process described above.

A11. Yes, the registration/log-in process on RAKrewards website is independent of your access to RAKBANK's Digital Banking. To register visit www.RAKrewards.ae and follow the steps.

A12. Yes, your e-mail id as registered with RAKBANK will be required.

A13. You can start redeeming your RAKrewards as soon as they get credited to your RAKrewards account. The minimum threshold required to redeem your RAKrewards is 10,000 points.

A14. You can view your RAKrewards account summary in the My Account section or on the Profile tab on the 'RAKrewards' website.

A15. You can redeem your RAKrewards at more than 300 airlines and more than 300,000 plus hotels worldwide. Besides, you can redeem the RAKrewards to book Marhaba services, Visa assistance, sports experience, holiday packages, etc. Please refer to the RAKrewards portal for further details.

A16. There are no redemption charges for RAKrewards.

A17. Yes, you can redeem your RAKrewards for family members and friends.

A18. The RAKrewards portal generates e-Receipt and e-Ticket and sends the same to your registered email-id. This will also be available under the My Redemption tab. You may click on the same for viewing or you may choose to email the receipt to your email id. You can also call 24X7 RAKBANK contact center on 04-2130000 in case you do not receive the e- Ticket within 24 hours of booking / redemption.

A19. If a confirmation page doesn't display once you complete your booking, please check for a confirmation under the Redemption section. In case RAKrewards have been deducted and you cannot see the purchased product, kindly call our 24X 7 Contact Centre on 04- 2130000 and we will be happy to resolve your query.

A20. Yes, you can book one infant per adult on RAKrewards. As per airline rules, the age of the infant must be below 24 months as on the date of travel. Please make sure that you carry valid proof-of- age document at the time of check-in. The infant is not provided a seat on the flight and they have to travel with the accompanying adult.

A21. A maximum of 9 seats can be booked at one time. If you need to book for more than 9 travelers, you will have to re-start the booking process for the additional travelers. Airlines rules apply.

A22. Due to the dynamic nature of airline fares, it may happen that when you confirm the booking after entering passengers details, the seats at your selected fare are sold out leading to increased fare. In case the fare has gone up, you may modify the search and select a cheaper flight.

A23. RAKrewards does not offer a pre-seating option. However, you can do web check-in for your flights through the airline portal and select your seats before you travel.

A24 .You can check-in in three ways.

• 1. Some of the airlines provide a web check-in facility, where you can select your seat and print your boarding pass online. If you use this facility, you will have to approach the check-in counter to drop your baggage.
• 2. You can also check-in using Tele check-in service provided by some of the airlines. In such cases, you will have to present your ticket and ID proof at Airline check-in counter for issuance of boarding card and for baggage drop.
• 3. Alternatively, you can check-in physically at the airport counters of the airline by presenting your ticket and ID proof.

A25. Please note that airline restrictions on baggage allowance apply to both checked-in bags as well as cabin baggage. Kindly contact the airline directly or visit their website for accurate details regarding baggage limit.

A26. We do not allow children below 12 years to be booked individually. Please contact your airline to create the booking of child directly with them.

A27. Just login to your account and visit the My Redemption tab. The redemption tab contains your past redemptions. Just click on the relevant link to view and print your ticket.

A28. No, RAKrewards website does not support this feature. You will need to contact the airline directly for such requirements.

A29. Please call on the contact number printed on your redemption receipt (eTicket) to make required amendments - date and time change or upgrade or any other change. Please note that, the airline may charge a fee to amend the tickets. In case of cancellation, we cannot refund the RAKrewards already redeemed.

A30. Most hotels allow additional guests to stay in a room for an extra charge as long as the room doesn't exceed the maximum number of guests allowed per room. You can directly check with your hotel and they will help you with the request, which is subject to the terms and conditions of the hotel.

A31. When making your booking, select the number of children traveling with you from the 'Children' drop-down box. If you select just 1 child, our search will give you the price of a double room with child, not including an extra bed. If you want an extra bed in the room, you need to increase the number of guests in your search or contact the hotel when you are travelling. It is subject to the terms & conditions of the hotel.

A32. Please book your room and contact the hotel at the number mentioned on your e- reservation receipt. Please note that your requests are subject to the terms and conditions of the hotel.

A33. The time it takes for a hotel to get your booking information varies by specific hotel and arrival date. In most cases the hotel should receive the reservation information within 12 hours of the time you made your booking (except for nights and weekends when the hotel's reservation department is closed). Please note that this does not apply to bookings made for the same day.

A34. Please check the details with your specific hotel for confirmation. It is subject to the hotel terms & conditions

A35. Please check the details with your specific hotel for confirmation. It subject to the hotel terms & conditions.

A36. Please check the details with your specific hotel for confirmation. It subject to the hotel terms & conditions.

A37. Please log in to your RAKrewards Account and visit the My Redemption page. You should be able to see the link depicting your hotel booking. Just click on this link and you can view your receipt.

A38. Your booking cannot be cancelled and the points and booking amount are non-refundable.

A39. Please refer through the hotel's booking policy mentioned on the booking page and in the printed e-reservation slip, while making the reservation. Please keep in mind that irrespective of what the hotel's booking policy says, you cannot cancel your booking.

A40. RAKrewards for cancelled bookings are non-refundable. We recommend you check your booking selection prior to any redemption.

A41. RAKrewards can also be redeemed for purchasing products through online shop, purchase dining vouchers which can be redeemed at restaurants or shopping vouchers etc.

A42. The steps to redeem your RAKrewards are as follows:

• 1. Login to your RAKrewards account.
• 2. Choose a redemption category
• 3. Follow the instruction stipulated for each of the redemption categories.
• 4. The redemption history is made available for use under the "My account page."

A43. All the conditions pertaining to voucher are clearly mentioned on the voucher. The voucher also carries the number of the merchant where any query with regards to the voucher could be made.

A44: Vouchers can be reprinted by accessing the 'My redemption' tab.

A45. Please visit www.RAKrewards.ae and follow the steps listed

• a) Click on Activate tab on the home page
• b) Once you are on the Activation page, you will be required to enter your RAKBANK Credit Card number, registered Mobile number with RAKBANK and your Date of Birth and click SUBMIT
• c) Once the details are successfully validated you will be taken to the OTP screen.
• d) An OTP will be sent to your registered Mobile Number with RAKBANK which you would need to input on this screen
• e) On successfully entering the OTP you will be taken a screen to create your RAKrewards account password followed by RAKrewards account Username.
• f) Once these details are successfully created you will be taken to the Login screen
• g) A confirmation mail of successful RAKrewards activation will be sent across to you on your registered e-mail id with the bank

A46. Please visit www.RAKrewards.ae and follow the steps listed

• a) Click on Forget Password on the login page
• b) Once you are on the Forget Password page, you will be required to log in your RAKBANK Credit Card number, your Mobile number and your Date of Birth and click SUBMIT
• c) Once the details are successfully validated you will be taken to the OTP screen.
• d) An OTP will be sent to your registered Mobile Number with Rak Bank which you would need to input on this screen.
• e) On successfully entering the OTP you will be taken a screen to create your RAKrewards account password.
• f) Once the password is successfully created you will be taken to the Login screen.

A47. On entering wrong password more than five times the account will be locked out.

A48. Please visit www.RAKrewards.ae and follow the steps listed

• a) Click on Reactivate Account on the login page
• b) Once you are on the Reactivation page, you will be required to log in your RAKBANK Credit Card number, your Mobile number and your Date of Birth and click SUBMIT
• c) Once the details are successfully validated you will be taken to the OTP screen.
• d) An OTP will be sent to your registered Mobile Number with RAKBANK which you would need to input on this screen
• e) On successfully entering the OTP you will be taken a screen to create your RAKrewards account password.
• f) Once the password is successfully created you will be taken to the Login screen

A49. The OTP will only be sent across on your registered mobile number with RAKBANK.

A50. RAKBANK offers an attractive bouquet of conventional and Sharia compliant Credit Cards which choice, convenience and control over your finances. All applications are subject to review and approval by the Bank. Please refer www.rakbank.ae for the details on Credit Cards offered by RAKBANK.

A51. You can visit any of our branches to fill in a Credit Card application and apply for a Credit Card. Please note that identification documents such as passport and Emirates ID is required. All applications are subject to review and approval of the Bank. Alternatively you can call our Phone Banking or connect with us through our website to register your interest in any of our products and the concerned team will contact you in one working day.

A52. Resident UAE individuals with valid emirates ID and visa are eligible to apply for a RAKBANK Credit Card. All applications are subject to approval at the sole discretion of the Bank. Additional documentation if required may be requested by RAKBANK.

A53. The customer can call RAKBANK IVR to activate his Credit Card and hear the PIN through the IVR. The customer will require a 6 digit activation code to activate the Credit Card and hear the PIN.

A54. For details on our pricing and tariff you may refer to our Service and Price Guide published on our website www.rakbank.ae and available at our branches.

A55. For any queries regarding our products and services please feel free to call our 24X 7 contact centre on 04-213 00 00, connect with us through our chat service on www.rakbank.ae or write to us at contactus@rakbank.ae.

A56. For details of our products and services, please visit our website www.rakbank.ae call us on 04-213 00 00 or connect with us through our chat service.