How to Get a Credit Card for a Salary Below AED 6000 in UAE?

At present, credit cards are inevitable for our daily finances and purchases. Initially, the cards were the source of short-term loans but gradually grew to be the best shopping tool. Since the demand increased, banks in the UAE started competing to offer the most affordable credit cards. The minimum salary to obtain a credit card is AED 5,000, and no financial institution offers credit cards below this mark. With a salary of AED 6,000, you can afford several credit cards in the UAE. However, these cards will offer you basic services and privileges. 

Before applying for a credit card, you need to ensure timely payment of the annual fee, other charges, including your credit card bills. The article below describes ways to avail of a credit card with a minimum salary of AED 6,000.

Ways to Get Credit Cards with a Salary Below AED 6,000 in UAE

Numerous credit cards are available for individuals with a salary above AED 5,000. So, a salary around AED 6,000 or slightly below can fetch you a credit card in the UAE. Before getting a credit card, you need to research extensively and compare all the available options to find the best credit card in UAE under your budget. Different ways to get a credit card below AED 6,000 salary are as follows.  

• Applying at the Bank’s Portal - After you have compared various credit cards below the salary of AED 6,000, visit the bank’s online portal and choose your credit card and click on the Apply Now button. Subsequently, enter your contact and personal details. The bank will contact you for the further application process. Several banks like Mashreq Bank provide a completely online application and offer virtual credit cards in a few simple clicks. 
• Applying at the Bank’s Branch - At your convenience, you can always visit the bank branch with the requisite documents to apply for a credit card in the UAE. The process is slow and may take up to 7 working days for your application to get processed. Additionally, it would require time and effort. However, if you have decided to visit the bank, you can locate the nearest branch by visiting their official website. 
• Applying at Policybazaar.ae - Policybazaar.ae brings all the credit cards in UAE under one place, you can compare various credit cards for a salary below AED 6,000 and apply conveniently. In addition, you can resolve your credit card related issues conveniently by contacting our support team. 

Things You Should Know Before Getting a Credit Card for a Salary Below AED 6,000 in the UAE 

Under AED 6,000 salary, you may find numerous conventional and Islamic credit cards in UAE. Within the available options, you may consider various rewards and cashback credit cards that are affordable and have lenient eligibility criteria. You should consider the following things when applying for a credit card below a monthly salary of AED 6,000. =

• Credit cards with low salary requirements may not offer you many lifestyle, entertainment and travel benefits. 
• Usually, with such a salary, you can avail of cashback and rewards cards that offer you loyalty points on each purchase. You can redeem these points to get extra discounts on shopping and various other expenses.
• While researching various cards, look for free for life credit cards in UAE since they do not levy annual membership charges and have relatively lower finance charges than other credit cards.
• Also, ensure that you can pay the credit card bills without delay as non-payment of bills may lead to unwanted charges (penalties). 
• While selecting a bank, look for ease of paying credit card bills and convenience in controlling your card expenses. 
• Finally, you should look for other services such as balance transfer facility, cash advances, purchase protection and extended warranty to secure your card transactions and manage expenses conveniently. 

Top Credit Cards for a Monthly Salary on AED 6,000 in the UAE

Several banks and financial institutions in UAE offer credit cards between a monthly salary slab of AED 5,000 to 6,000. To ease out your research, we bring the best credit cards in the UAE below AED 6,000 salary. Following is the rundown of various cards, their annual fees, requirements, and benefits.

Citibank Simplicity Credit Card

Benefits of Citibank Simplicity Credit Card

Eligibility Criteria to Apply for Credit Cards under AED 6,000 Salary in UAE

To obtain a credit card, applicants must satisfy various eligibility criteria pertaining to their age, salary requirements, etc. The requirements may vary depending on the bank and the type of credit card you choose. The general eligibility criteria for credit cards under AED 6,000 salary are as follows. 

• Age - An individual applying for a credit card should be at least 21 years of age or above.
• Salary - The applicant should have a stable salary and more than the minimum salary requirement of their preferred credit card. 
• Nationality - UAE nationals and individuals can apply for credit cards by producing their original documents and proofs. Expats need to verify their eligibility before credit card application since a few credit cards are not available to them. 

Know Your Credit Score

Documents Required to Apply for a Credit Card Under AED 6,000 Salary in UAE

Individuals need to submit the required documents during credit card application for record and verification purpose. The documents that you need while applying for a credit card under AED 6,000 are- 

• An original and copy of the passport for the expats
• An original and copy of Emirates ID for the UAE nationals and residents
• Latest three months bank account statements
• Salary slip not older than a month or a salary certificate issued by the current employer
• Utility bill or tenancy agreement for address proof

At a salary between AED 5,000 to 6,000, you have several credit card options in the UAE. However, you will get basic credit card services on a low salary requirement credit card. You need to search for a card that offers good services, ample rewards, and cashback. Also, the bank should levy low annual membership charges, retail interest rates and other fees. 

To get your credit card queries resolved, you can always reach out to our support team, and they will provide you with the best possible resolution.

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 3000
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