How to Get a Credit Card for a Salary Below AED 4500 in UAE?

Credit cards, as we know, help us make easy purchases without needing immediate cash payments. These cards are pretty effective financial instruments, whether you’re using them to pay bills, do shopping, or access emergency funds.

All the major banks in the UAE offer credit cards with many benefits and features. However, whether you can actually apply for a card depends on meeting specific criteria set by the issuing bank. One of these eligibility requirements is your monthly salary. So can you apply for a credit card for 4500 AED salary in the UAE?

 

Can You Get a Credit Card for 4500 AED Salary in the UAE?

A 4500 AED salary for credit card is insufficient. As per regulations in the UAE, you must have a monthly salary of at least AED 5,000 to get a credit card in the country. Thus, with a monthly salary of AED 4,500, you cannot apply for a credit card. Let’s see which credit cards are available for you when you’ve a salary of AED 5,000 or more.

 

 

Top 5 Credit Cards with a Salary of AED 5000 in the UAE

The table below lists some of the best credit cards in UAE with a monthly salary of AED 5,000 —

 

Commercial Bank of Dubai CBD Yes Rewards Credit Card

 

 

Features and Benefits of Commercial Bank of Dubai CBD Yes Rewards Credit Card

• Free for the first year
• 15% back as Yes points on spends on fuel, Pronto, Autopro, and Zoom on all ENOC and EPPCO service stations
• 50% discount on VOX, Reel, and Novo Cinema tickets
• 2 complimentary valet parking services every month (at 30+ UAE locations)
• Complimentary access to 1,000+ airport lounges
• Multi-trip travel insurance
• 20% off on Emaar Attractions
• Features like extended warranty, balance transfer, and cash-on-call available

FAB SHARE Standard Credit Card

 

 

Features and Benefits of FAB SHARE Standard Credit Card

• Free for life credit card
• Up to 7% value back as SHARE points with no limits
• Get up to 5.25% SHARE points at Ski Dubai, Dreamscape, iFLY Dubai, Little Explorers, and VOX Cinemas
• Up to 3.25% SHARE points at Mall of Emirates and City Centres
• Earn max 1.75% SHARE points on international spending, retail spending, and online shopping
• ‘2 for 1’ VOX Cinema tickets offer
• Free supplementary credit cards for family members

 

 

Dubai First Cashback Credit Card

 

 

Features and Benefits of Dubai First Cashback Credit Card

• 5% cashback on supermarket, fuel, and dining spends
• 3% cashback on all international transactions
• ‘Buy 1 Get 1’ offers on travel, fine dining, spa treatments, and more
• 0% interest Easy Purchase plans, balance transfer facility, and loan-on-phone
• VOX movie tickets starting from AED 20
• Complimentary airport lounge access
• Up to 8% discount on Cleartrip.com bookings
• Up to 20% discount on Avis Car Rentals across the globe
• 10% off on Booking.com

Citibank Simplicity Card

 

 

Features and Benefits of Citibank Simplicity Card

• Free-for-life card
• No late payment fee, overlimit fee, or cash advance fee involved
• Free access to more than 25 airport lounges across the Middle East via the MasterCard Travel Pass app
• ‘Buy 1 Get 1’ offers on food deliveries and groceries
• Complimentary supplementary cards for family members
• Up to 10% cashback to Booking.com wallet across millions of properties across the world

Emirates NBD Mastercard Titanium Credit Card

 

 

Features and Benefits of Emirates NBD Mastercard Titanium Credit Card

• Free-for-life credit card
• 1 Plus Point for every AED 100 spent
• Complimentary access to 10+ VIP lounges
• ‘Buy 1 Get 1’ offers on multiple brands and outlets across Africa and the Middle East
• Up to AED 60,000 job loss cover for up to 1 year
• Earn up to 0.4% points on transactions for grocery, insurance, supermarkets, and car dealerships 
• Up to 0.2% on education, real estate, utility, and fuel spends
• Up to 40% off at more than 100 golf courses across the globe
• Exceptional deals and offers on shopping, lifestyle, travel, and much more

 

 

Eligibility Criteria to Apply for a Credit Card in the UAE

As we know by now, banks don’t offer a credit card 4500 salary. However, even if you’ve a monthly salary of AED 5,000, you will still need to clear other requirements to apply for a credit card. Given below are the general eligibility criteria to apply for a credit card in UAE —

 

Note: Your respective bank may have other eligibility criteria. Make sure to check the exact requirements with it before applying.

 

Know Your Credit Score

 

Documents Required to Apply for a Credit Card in the UAE

Now that we’re aware a 4500 salary credit card is not available in the UAE, let’s understand which documents you need to submit to apply for a credit card with a salary of AED 5,000 or more — 

 

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

Note: 

1. All the documents — both originals and copies — must be valid.
2. The list above is a generic one. 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. 

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

 

Credit Cards on Salary Based in UAE

Credit Cards based on Salary
Credit Card in UAE on 2500 Salary	Credit Card in UAE on 3000 Salary
Credit Card in UAE on 3500 Salary	Credit Card For 4500 AED Salary
Credit Card in UAE on 5000 Salary	Credit Card in UAE For 6000 Salary

 

FAQ About Credit Card for 4500 AED Salary