How to Get a Credit Card for a Salary Below AED 3000 in UAE?

With credit cards, you can buy things and make transactions without carrying cash. In the UAE, having a credit card is handy for shopping, paying bills, and emergencies. Each card comes with different benefits and requirements. However, banks follow certain standard guidelines for offering credit cards, one of which is your monthly salary. 

A minimum salary for credit cards in the UAE is required by each lending institution. Let’s see if an individual can get a credit card in the UAE on AED 3,000 salary.

Can You Get a Credit Card with a Salary Below AED 3,000 in the UAE?

Salary is an important factor among the several card eligibility criteria. It’s worth mentioning that banking institutions in the UAE don’t approve credit card applications of those with a salary below AED 3000.

Your minimum monthly salary must be AED 5,000 or above to be an eligible credit card applicant.

Top 5 Credit Cards on Below AED 3000 Salary in UAE 

As we saw above, the minimum salary for a credit card in the UAE is AED 5,000. Let’s take a look at the top 5 cards in the UAE available with this salary along with their key features and benefits :

Commercial Bank of Dubai Visa Platinum Card  

 

Best Features & Benefits of CBD Visa Platinum Card

• This credit card is free for life
• Enjoy 0% interest on balance transfer and cash on call — availability of 6 and 12-month plans within 30 days of card issuance. Note that this is a welcome offer.
• Earn CBD reward points, i.e., up to 1.5 points per AED spent
• Get Novo cinema tickets at a flat 50% discount
• Enjoy exceptional discounts with Booking.com and Agoda.com
• Avail of 2-for-1 offers with the ENTERTAINER app powered by Visa

First Abu Dhabi Bank Cashback Card

 

Best Features & Benefits of FAB Cashback Card

• Receive monthly cashback of up to AED 600 as per your spends
• Exclusive cashback on spending in supermarkets, dining, school fees, international spending, and more
• Get up to 10% cashback on hotel bookings
• Avail of a 15% discount on hotel rooms with IHG Hotels & Resorts
• Enjoy access to more than 10 airport lounges across Jordan, the UAE, Egypt, Kuwait, and KSA
• Buy movie tickets starting at AED 15
• Enjoy 20% discount on car rental services with Avis
• Get discounts on Talabat food and grocery delivery
• Other benefits include Wallet Shield and Credit Shield features

Abu Dhabi Commercial Bank Talabat ADCB Credit Card

Best Features & Benefits of Talabat ADCB Card

• No annual charges 
• Receive a welcome bonus worth AED 500 on spending AED 2,500 within 45 days of card issuance
• Get exclusive Talabat rewards, including unlimited free delivery on Talabat Pro and cashback on the first 10 orders every month
• Enjoy exceptional travel benefits such as free access to airport lounges, and discounts with Booking.com, Cleartrip, and more
• Other benefits include Credit Shield, balance transfer, credit card loan, FlexiPay feature, and more

Emirates NBD Mastercard Titanium Credit Card

 

Best Features & Benefits of ENBD Mastercard Titanium Credit Card

• This is a free for life credit card
• Enjoy complimentary access at more than 10 VIP airport lounges
• Get ‘Buy 1 Get 1’ offers on the best brands and outlets across Africa and the Middle East
• Earn up to 1 Plus point on each spend of AED 100
• Receive up to AED 60,000 job loss cover for up to 1 year
• Earn points on spending on groceries, insurance, utility, real estate, fuel, education, car dealerships, and supermarkets
• Enjoy up to 40% discount at 100+ golf courses globally

Emirates Islamic RTA Card  

 

Best Features & Benefits of Emirates Islamic RTA Card

• Get up to 2.25% cashback on international spending
• Enjoy up to 10% cashback on fuel spending and RTA transport payments
• Earn up to 1.25% cashback on other shopping
• Avail of up to 2 ‘Buy 1 Get 1’ offers every month (for free) with Reel movie tickets
• Get a discount of USD 25 on beverages or food at over 900 hotels globally with Visa Luxury Hotel Collection
• Get up to 4 supplementary credit cards for free without any AMF
• Other exclusive benefits include TAP n PAY features, auto top-up of NOL and Salik, Purchase Protection features, extended warranty features, and more 

Eligibility Criteria for Obtaining a Credit Card in UAE on 3000 Salary

Given below are the common eligibility criteria to apply for a credit card in the UAE —

Documents Required to Apply for a Credit Card

As discussed, you cannot get a credit card in the UAE for AED 3000 salary. 

However, if you possess a salary of AED 5,000 or more, you can refer to the checklist of documents mentioned below for card application processing —

• Emirates ID (original and a copy)
• Passport (original and a copy)
• Salary certificate (for salaried individuals)
• Trade Licence (for self-employed individuals)
• Security Cheque
• Recent 3-6 months’ original bank statements

Note: This is a list of common documents. Actual requirements may vary as per the bank. 

Make sure to confirm the set of documents required for the card application processing with your respective bank.  

Let’s see what credit card seekers have to ask about a credit card for a minimum salary of AED 3,000 in the UAE!

Related Links - 

How to Get a Credit Card if you Earn Below AED 2500	How to Get a Credit Card if you Earn Below AED 3500
How to Get a Credit Card if you Earn Below AED 4000	How to Get a Credit Card if you Earn Below AED 4500
How to Get a Credit Card if you Earn Below AED 5000	How to Get a Credit Card if you Earn Below AED 6000

FAQs About Credit Card in UAE