RS Cae is the third target in our series of XMM-Newton observations of soft X-ray-dominated polars. Our observational campaign aims to better understand and describe the multiwavelength data, the physical properties of the system components, and the short- and long-term behavior of the component fluxes in RS Cae. We employ stellar atmosphere, stratified accretion-column, and widely used X-ray spectral models. We fit the XMM-Newton spectra, model the multiband light curves, and opt for a mostly consistent description of the spectral energy distribution. Results. Our XMM-Newton data of RS Cae are clearly dominated by soft X-ray emission. The X-ray light curves are shaped by emission from the main accretion region, which is visible over the whole orbital cycle, interrupted only by a stream eclipse. The optical light curves are formed by cyclotron and stream emission. The XMM-Newton X-ray spectra comprise a black-body-like and a plasma component at mean temperatures of 36eV and 7keV. The spectral fits give evidence of a partially absorbing and a reflection component. Multitemperature models, covering a broader temperature range in the X-ray emitting accretion regions, reproduce the spectra appropriately well. Including archival data, we describe the spectral energy distribution with a combination of models based on a consistent set of parameters and derive a lower limit estimate of the distance d > 750pc. Conclusions. The high bolometric soft-to-hard flux ratios and short-term variability of the (X-ray) light curves are characteristic of inhomogeneous accretion. RS Cae clearly belongs in the group of polars that show a very strong soft X-ray flux compared to their hard X-ray flux. The different black-body fluxes and similar hard X-ray and optical fluxes during the XMM-Newton and ROSAT observations show that soft and hard X-ray emission are not directly correlated.
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