Credit Card Eligibility in UAE

General Credit Card Eligibility Requirements in UAE

While each financial institution has its own eligibility criteria for credit cards, we will check out the common eligibility requirements set by most banks and credit card providers in the table below -

Credit Card Eligibility Criteria	Requirements
Minimum Age	21 Years
Maximum Age	60-65 Years (Depending on the nationality)
Nationality	UAE nationals and expatriates
Minimum Income	AED 5,000
Employment Type	Salaried and Self-Employed Individuals
Credit Score	580

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Credit cards are popular financial or credit instruments that provide the utmost convenience and flexibility when making purchases. These plastic cards also contribute to building your credit score over time if you use them responsibly. Before getting a card, however, you must meet the credit card eligibility specified by each bank to use one. Generally, lenders consider factors such as age, income, credit history, existing debt, and others to determine your creditworthiness. Knowing which factors affect your eligibility can help you make informed decisions and improve your chances of approval for the same. For more insights into credit card eligibility in UAE, refer to the article below.  

Check Eligibility Criteria for Top Credit Card Providers in UAE

Having looked at the general requirements, let’s go through the top credit card providers in the UAE and the eligibility criteria to apply for their credit cards -  

1. Citibank Credit Card - Eligibility Criteria

CitiBank Credit Card	Eligibility Criteria
Citibank Emirates Credit Cards	The applicant must be at least 21 years old Both UAE nationals and expats are eligible The minimum monthly salary of the applicant must be AED 36,750
Citibank Rewards Credit Cards	The applicant must be 21 years old or above at the time of application Available for both UAE nationals and expats  The salary of the applicant must be at least AED 30,000 per month
Citibank Cashback Credit Card	The applicant must be at least 21 years old This card is available for both expats and UAE nationals  The applicant must have a monthly salary of at least AED 8,000
Citibank Basic Credit Card	The applicant must be 21 years old or more Both UAE nationals and expats are eligible The minimum salary of the applicant must be AED 5,000 per month

Click here to Apply for Citibank Credit Cards

2. First Abu Dhabi Bank Credit Card - Eligibility Criteria

FAB Credit Card	Eligibility Criteria
FAB Abu Dhabi Platinum Credit Card	The minimum monthly salary required is AED 15,000
FAB Elite Infinite Credit Card	The applicant must have a monthly salary of at least AED 50,000
FAB Infinite Credit Card	The applicant must have a minimum monthly salary of AED 30,000
FAB Signature Credit Card	The minimum monthly salary required is AED 15,000
FAB Abu Dhabi Titanium Credit Card	The minimum monthly salary required is AED 5,000
GEMS Titanium Credit Card	The applicant must have a monthly salary of at least AED 5,000
FAB Manchester City Titanium card	Minimum salary requirement for the Manchester City Titanium card - AED 5,000
FAB  Manchester City Infinite card	Minimum salary requirement for the Manchester City Infinite card - AED 30,000

Click here to Apply for FAB Credit Cards

3. Emirates NBD Bank Credit Card -  Eligibility Criteria

Emirates NBD Credit Card	Eligibility Criteria
Emirates NBD Skywards Infinite Credit Card	The applicant must have a minimum salary of AED 30,000
Emirates NBD Marriott Bonvoy Mastercard Credit Card	The minimum monthly salary required is AED 25,000
Emirates NBD Skywards Signature Credit Card	The applicant must have a salary of at least AED 15,000 per month
Emirates NBD U By Emaar Infinite Credit Card	The applicant must have a minimum salary of AED 30,000 per month
Emirates NBD Visa Infinite Credit Card	The minimum salary required for this emirates nbd credit card is AED 30,000
Emirates NBD Mastercard Platinum Credit Card	The applicant must have a minimum salary of AED 12,000
Emirates NBDLuLu 247 Platinum Credit Card	The minimum salary requirement for this credit card is AED 15,000
Emirates NBD Visa Platinum Credit Card	The minimum salary required for this credit card is AED 12,000
Emirates NBD U By Emaar Signature Credit Card	The applicant must have a minimum salary of AED 15,000
Emirates NBD U By Emaar Family Credit Card	The applicant must have a minimum salary of AED 5,000
Emirates NBD Webshopper Credit Card	Minimum salary for this credit card - AED 5,000
Emirates NBD Manchester United Credit Card	The applicant must have a minimum salary of AED 5,000
Emirates NBD Duo Credit Card	The minimum monthly salary needed for this credit card in UAE is AED 10,000
Emirates NBD Go4it Platinum Credit Card	The applicant must have a minimum salary of AED 12,000
Emirates NBD Go4it Gold Credit Card	The applicant must have a minimum salary of AED 6,000

Click here to Apply for Emirates NBD Credit Cards

Factors Affecting Your Credit Card Eligibility in UAE

Check out the key aspects that influence your credit card eligibility in the UAE: 

• Age: If you are a UAE resident, you must be 21 to 63 years old. However, if you are a UAE national, you must be in the age range of 21 to 65 years old.
• Credit Score: In order to get approved for a credit card from any financial institution, you must have a decent aecb credit score as this is how the bank determines your creditworthiness. You can easily get a credit card if you have a good credit score as you would appear to be a low-risk applicant to the bank.
• Existing Credit Card Balance: Having a variety of credit cards can help you get a credit card as it demonstrates your ability to manage debt well. At the same time, to keep a good credit score, you must use your credit cards properly and pay off any balances on schedule. Your credit card application can be denied by the bank if you fall behind on your credit card payments.
• Employment Stability: How stable is your history of employment is a crucial factor considered by banks when deciding on your credit card application. You pose a lower risk to the bank if you have steady work at a reputable company and can easily afford to pay off your credit card obligations. On the other hand, banks may believe that you have a higher risk of missing card payments if you frequently change jobs.

Documents Required for a Credit Card Application in UAE

To carry out the credit card application process in the UAE, you would be required to keep a few documents handy -: 

Documents Required for Salaried Individuals 

• A valid Passport ID 
• A valid Emirates ID for UAE nationals as well as residents
• Utility bill or lease agreement for address proof 
• Salary certificate or salary slip from the current employer 
• Last 3-6 months’ bank account statement 

Documents Required for Self-Employed Individuals 

• A valid passport 
• Emirates ID (for both UAE nationals and residents) 
• Individual and business bank account statements 
• A valid trade licence
• A copy of the Power of attorney (if applicable) 

FAQs on Credit Card Eligibility