How to Get a Credit Card in UAE on AED 4000 Salary ?

Credit cards, when used responsibly, offer convenience of transactions, security, and a range of other benefits. Instead of carrying cash, you can use these cards to easily make purchases, whether in-store or online.

Credit cards also offer coverage against fraudulent transactions and can act as a safety net in emergencies or unexpected expenses. Additionally, they provide an opportunity to build a credit history, which can be beneficial for future financial endeavours. However, a common question arises: Can you get a credit card in UAE on 4000 salary? 

In this article, we will check if there is any availability of a credit card minimum salary 4000 AED in the UAE.

Can You Get a Credit Card in UAE on 4000 Salary? 

When it comes to credit card applications, banks certainly consider your salary. In the UAE, banking institutions have a minimum salary criteria of AED 5,000. Thus, you cannot get a credit card with 4000 AED salary.

Note that even if you fulfil other eligibility requirements, banks will reject your application as salary is one of the major requirements for them. This is because it represents your capability to pay off monthly bills and manage your regular expenses.

Top 5 Credit Cards with a Salary of AED 5,000 in the UAE

While you cannot get a credit card for 4000 AED salary, you can find many options once your monthly salary is AED 5,000 or more. Mentioned below are the top 5 credit cards available with a monthly salary of AED 5,000 along with their features and benefits —

Emirates NBD Lulu 247 Titanium Credit Card

 

Features & Benefits of Emirates NBD Lulu 247 Titanium Credit Card

• Welcome offer — 0% interest on balance transfers with no processing charges
• Earn LuLu points on spends in the following format —
  • 3.5% on LuLu in-store and online purchases
  • 2% on fuel
  • 1% on utility bill payments
  • 0.35% on other purchases
• Free access to over 10 regional airport lounges
• ‘Buy 1 Get 1 Free’ offer on movie tickets at Vox Cinemas (eligible only after a minimum spend of AED 3,000)
• Exclusive member benefits at LuLu — priority checkout, free shipping on purchases made at LuLu online, early access to sales and promotions, and more

 

 

Emirates NBD U By Emaar Family Credit Card

 

 

Features & Benefits of Emirates NBD U By Emaar Family Credit Card

• Minimum monthly salary required — AED 5,000
• Free-for-life credit card
• Earn Upoints on daily expenses —
  • 1% on all spends
  • Up to 5 times extra on expenses in Emaar
  • 25% base Upoints for expenses on groceries and supermarkets
  • 10% base Upoints for expenses on fuel, government facilities, and telecommunication payments
• Up to 30% discount on entertainment at the Emaar Entertainment Group including The Dubai Underwater Zoo, Dubai Ice Rink, and Kidzania
• Enjoy ‘Buy 1 Get 1 Free’ offers on Reel Cinemas movie tickets 
• Earn 5% Upoints on spending at Emaar malls or when you dine or stay at Emaar Hospitality Group hotels and restaurants

Citibank Citi Simplicity Credit Card

Features & Benefits of Citibank Citi Simplicity Credit Card

• Minimum monthly salary required — AED 5,000
• Free-for-life credit card
• Easy access to select airport lounges across the Middle East with the MasterCard Travel Pass application
• Citi World Privileges – Get discounts on travel, entertainment, and dining domestically and internationally in 95 nations
• No annual fee, cash advance fee, late payment fee, or over-limit fee 
• Free supplementary cards for family members 
• Purchase Protection and extended warranty

 

 

Emirates Islamic RTA Credit Card

 

 

Features & Benefits of Emirates Islamic RTA Credit Card

• Minimum monthly salary required — AED 5,000
• No annual fees 
• Get up to 10% cashback on RTA transportation or fuel transactions
• Earn up to 2.25% cashback on international expenses
• Up to 1.25% cashback on other expenses
• Up to 25% cashback on more than 1,500 brands at Cashbacksouk.ae
• Avail of USD 25 on food and beverages at more than 900 hotels across the world with Visa Luxury Hotel Collection
• Conveniently make payments using Apple Pay, Google Pay, and Samsung Pay
• Get up to 4 complimentary supplementary cards
• Enjoy benefits such as —
  • Automatic top-up in your Salik and NoL account
  • Carry a single card for NoL and credit transactions
  • Blackout dates for redeeming cashback — none 
  • Get Purchase Protection for lost or damaged purchased goods
  • Option to use the cashback amount for paying the remaining balance
  • Access to standard class fare reduction from NoL Tag ID
  • Secured online shopping with the 3D Secure feature
  • Option to convert major transactions into small monthly instalments with Easy Payment Plans

Read More About : Best Credit Card in UAE

Emirates Islamic Flex Platinum Credit Card

 

Features & Benefits of Emirates Islamic Flex Platinum Credit Card

• Earn a Welcome Bonus of 10,000 Emirates Islamic SmartMiles
• Use the Instant Purchase feature to redeem the SmartMiles at any merchant across the world
• Get up to 2.25 EI SmartMiles for every AED 1 spent
• Up to 2 ‘Buy 1 Get 1 Free’ offers on Reel Cinemas movie tickets every month at any time in a week
• EI SmartMiles redemption offers include redemption at 300 airlines, gift vouchers, and 180,000 hotels across the globe
• Get up to 4 complimentary supplementary cards for family
• Get USD 25 on food and beverages at more than 900 hotels across the world with Visa Luxury Hotel Collection
• Option to easily transfer your other credit card balances to Emirates Islamic credit card and lower the monthly payment available
• Securely shop digitally with the 3D secure feature
• Convert your big transactions into small monthly instalments using the bank’s Easy Payment Plans
• Make payments at your convenience using digital wallets like Google Pay, Samsung Pay, and Apple Pay

Eligibility Criteria to Apply for a Credit Card in the UAE

As discussed above, banks don’t offer a credit card in UAE on 4000 salary. Once you have a monthly salary of AED 5000, you can apply for a credit card. However, you will need to clear other eligibility criteria as well. Check out the general criteria to apply for a credit card in the UAE —

• You must be at least 21 years old (some banks may allow even if you’re 18 years old) 
• Your monthly salary must be at least AED 5,000 
• You must be a salaried employee or a self-employed individual

 

 

Documents Required to Apply for a Credit Card in the UAE

Although you cannot get a 4000 salary credit card in the UAE, you can definitely apply for a card if you have an AED 5000 salary. Keep these documents ready to apply for a credit card in the UAE —

• Emirates ID copy 
• Passport copy and UAE residence visa (for UAE residents)
• Latest salary certificate addressed to the bank (for salaried employees)
• Valid trade licence (for self-employed individuals)
• Bank statements for the last 3 or  6 months
• Post-dated cheque for security deposit

Note that all the documents must be valid. Furthermore, the bank can request additional documents at its discretion.

 

Related Links -

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How to Get a Credit Card if you Earn Below AED 3500	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

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