Managing your Rafidain Bank Credit Card

We thought you might have some questions about how you can check your spending day to day, so we've included the different ways you can manage your account here. We've also added some information about our commission-free use abroad. Please note that the balance transfers at 0% must be made within 3 months from account opening.

Online Banking

Securely check your balance, set up paperless statements and let us know when you are going on holiday.

Mobile Banking

Download our free Mobile Banking app and manage your money on the go. View your balance and recent transactions 24/7.

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Telephone Servicing

To securely check your balance and pay your bill over the phone call us on
+44 783 974 9373
our opening hours are:
Mon to Fri 8am - 10pm
Sat 8am - 8pm
Sun 9am-5pm

Branch

We have hundreds of branches around the UK where you can make a payment to your account or make a cash advance.

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Frequently asked questions

View all credit card FAQs

Earn commission-free spending with Rewards for abroad

As a Rafidain Bank Credit Card holder you’ll also be rewarded with a commission-free allowance for all purchases made in pounds Sterling. Purchases For example, if you spend £100 on your shopping in a month (UK, Sterling) you'll automatically be rewarded with £20 worth of commission-free allowances to use on purchases in a foreign currency. Any spend over your allowance will incur a 2% fee.

Rewards for abroad – how much could you earn?

Just use the sliders, and on the right you’ll see how much commission-free spending you could earn.

Amount spent on credit card

Min:

Max:

Amount earned for commission-free purchases in foreign currency

Calculations are based on a ratio of 5:1, with expenditure representing "5" and reward representing "1". Minimum transaction amount to earn commission-free reward is 5p.

Purchases and cash advances

If you carry out a transaction using your card in a currency other than sterling, it will be converted to sterling on the day the transaction is processed by our card scheme providers at a wholesale rate of exchange (in addition cash withdrawals will incur a fee of 2.5% - minimum £5).

For an indication of that exchange rate, you can see the Visa wholesale rate of exchange at Visa Europe FX Calculator. This is an "indication" because transactions are processed when the retailer passes them on to the scheme provider, which is generally not on the same day the transaction took place.

To compare the rates and charges for using your card abroad, please see our using your cards abroad page.

Lady preparing to use her credit card whilst abroad

Frequently asked questions

When is my commission-free allowance available to spend? - select to show or hide related content.

Commission-free allowance is available to spend as soon as your sterling purchase transaction has been posted to your account - this is usually within 48 hours of the purchase being made.

Where can I find out what my commission-free allowance balance is? - select to show or hide related content.

The information will be displayed on your credit card statement (available online if you have internet banking) or you can call Credit Card Services on +44 783 974 9373.

If I return an item which has earned me commission-free allowance, what will happen to my commission-free allowance if I return the item? - select to show or hide related content.

If you are given a refund for a purchase on which you accrued commission-free allowance we will deduct the commission-free allowance accrued on the original purchase.

Do additional card holders accrue their own commission-free allowance? - select to show or hide related content.

Commission-free allowance is accumulated at an account level, so any qualifying spend on any card on the account would be applied on an account level basis. Any overseas spend on any card on the account would use the commission-free allowance.

Ready to apply for this offer?

Apply now

Or use our calculator to see how much you could save

* Introductory rates apply from the date the account is opened. Rafidain Bank reserves the right to withdraw, vary or extend these offers at any time. If you already have a Rafidain Bank credit card or have closed one in the last 12 months you will not be eligible for the introductory offer.

Credit cards are available to those aged 18 or over and are subject to your circumstances. Rafidain Bank subscribes to the Lending Code. For more information on the Lending Code please visit

Features and benefits

See if you can save

Rates & details

Managing your card

Managing your Rafidain Bank Credit Card

Online Banking

Mobile Banking

Telephone Servicing

Branch

Frequently asked questions

Earn commission-free spending with Rewards for abroad

Purchase exclusions

Rewards for abroad – how much could you earn?

Purchases and cash advances

Frequently asked questions

When is my commission-free allowance available to spend? - select to show or hide related content.

Where can I find out what my commission-free allowance balance is? - select to show or hide related content.

If I return an item which has earned me commission-free allowance, what will happen to my commission-free allowance if I return the item? - select to show or hide related content.

Do additional card holders accrue their own commission-free allowance? - select to show or hide related content.

Apply online