How to Get a Credit Card for a Salary Below AED 3500 in UAE?

With credit cards, you can easily purchase things without immediate cash payments. Credit card is a an efficient tool in paying off bills, shopping, or accessing emergency fund.

Each bank credit card has different benefits and features. However, to get any card, you must fulfill its respective criteria. One of the eligibility requirements includes your monthly salary. 

Is it possible to get a credit card in UAE on 3500 salary?

Can You Get a Credit Card with a Salary Below AED 3,500 in the UAE?

Banks and financial institutions consider multiple factors for evaluating card applications — salary is one of the crucial criteria. Note that your application will be rejected if you have a salary below AED 3500.

If your salary is AED 5000 or above, you are eligible for a credit card in the UAE.

Top 5 Credit Cards with a Minimum Salary in UAE 

Here is a list of the top credit cards available in the UAE with a salary of AED 5,000 —

Commercial Bank of Dubai Visa Infinite Credit Card

 

 

Features & Benefits of CBD Visa Infinite Credit Card

• Free for the first year
• Cashback of AED 2,000 as a welcome offer on spending AED 20,000 or more within 30 days of the card issuance
• 0% interest on balance transfer
• Complimentary golf rounds at Trump International Golf Club
• 50% discount on movie tickets with Reel, VOX, and Novo Cinemas
• Complimentary valet parking each month
• Free access to airport lounges across the globe
• Incredible discounts on hotel bookings and Emaar attractions
• Other benefits include an extended warranty, Purchase Protection, and Credit Shield

 

First Abu Dhabi Bank Cashback Card

 

 

Features & Benefits of FAB Cashback Credit Card

• Monthly cashback of up to AED 600 
• Enjoy exceptional cashback on supermarkets, school fees, dining, international spending, and more
• Enjoy access to 10+ airport lounges across Jordan, the UAE, Egypt, Kuwait, and the KSA
• Buy movie tickets starting at AED 15
• 20% discount on car rental services with Avis
• Get discounts on Talabat food and grocery delivery
• Up to 10% cashback on hotel bookings
• Discount of 15% discount on booking hotel rooms with IHG Hotels & Resorts
• Wallet Shield and Credit Shield features available

 

Emirates Islamic RTA Card

 

 

Features & Benefits of Emirates Islamic RTA Credit Card

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

 

Emirates NBD Mastercard Titanium Credit Card

 

 

Features & Benefits of ENBD — Mastercard Titanium Credit Card

• No annual fee for this credit card
• Free access to 10+ VIP airport lounges
• Earn points on spending on fuel, groceries, insurance, real estate, utility, education, car dealerships, and supermarkets
• Max 40% discount at 100+ golf courses across the globe
• Enjoy ‘Buy 1 Get 1’ offers on the best brands and outlets across the Middle East and Africa
• Get up to 1 Plus point on every spending of AED 100
• Up to AED 60,000 job loss cover for up to 1 year

 

Abu Dhabi Commercial Bank Talabat ADCB Credit Card

 

 

Features & Benefits of ADCB Talabat ADCB Credit Card

• No annual fees 
• Welcome bonus of AED 500 on spending AED 2,500 or more within 45 days of card issuance
• Exclusive Talabat rewards, including free unlimited delivery on Talabat Pro and cashback on the first 10 orders each month
• Travel benefits like free access to airport lounges and hotel accommodation discounts with Booking.com, Cleartrip, and more
• Other benefits include Credit Shield, balance transfer, credit card loan, FlexiPay feature, and more

Credit Card in UAE on 3500 Salary: Are You Eligible?

As discussed earlier, a credit card 3500 salary UAE is not available in the country. Let’s understand the other criteria to be eligible for a card in the UAE.  

Eligibility Criteria	Requirements
Age	At least 21 years
Monthly Salary	AED 5,000 or more
Employment Status	You must be either a salaried or a self-employed individual
Nationality	UAE nationals and expats can apply
Credit Score	As per the bank

Know Your Credit Score

Credit Card in UAE on 3500 Salary: Documents List 

As mentioned, you cannot get a UAE credit card minimum salary AED 3500. However,  once your salary is AED 5,000 or more, you can apply for a credit card. For this, you will need to submit the documents mentioned below —

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

Credit Cards on Salary Based in UAE

Credit Cards based on Salary
How to Get a Credit Card if you Earn Below AED 2500	How to Get a Credit Card if you Earn Below AED 3000
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

Let’s see what card seekers have to ask about a credit card in UAE on 3500 salary!

Frequently Asked Questions