Best Credit Cards for Beginners in UAE - Best Starter Credit Card for Beginners

Top 5 Credit Card for Beginners in UAE

Listed below are the top picks for the credit cards that are ideally suited for someone who is applying for their first credit card. Browse through to find the best credit card in uae for yourself:

1. Deem Titanium Mastercard Credit Card

Best Offers of Deem Titanium Mastercard

• Welcome bonus of AED 700
• Up to 50,000 JOY Points/month on lifestyle or travel spends
• Buy 1 Get 1 free movie tickets at VOX & REEL Cinemas
• Complimentary flight delay pass
• Up to 10% off on hotel bookings
• Deem Double Secure insurance for death, critical illness, and involuntary job loss.

 

Check Annual Fee & Minimum Salary of  Best Credit Cards for Beginners

Before selecting a credit card, it’s important to check the annual fees and minimum salary requirements to ensure you get the best value from your card: 

Tips for Choosing Your First Credit Card and Using it Right

Follow these tips and tricks to find the best credit card for beginners in UAE: 

Check out the Benefits of Credit Card in UAE 

When choosing a credit card, focus on the benefits you’ll use. For example, if you rarely watch movies, a card with cinema discounts won’t add value. Instead, choose one that offers shopping rewards if you shop frequently, or complimentary lounge access if you travel often. Matching the card’s perks to your lifestyle is the best way to find the right credit card in the UAE.

Find out the Minimum Salary Required

Each credit card has a minimum salary requirement, even the ones that are offered by the same bank. This requirement generally depends on the level of the card, the maximum spent limit on the card, and the benefits it offers. It simply means that the applicant must have at least the minimum required salary. This way the bank has the surety that the user will be able to pay back the card in due time.

Look for any Annual or Hidden Fee

Many credit cards in UAE come with an annual fee that is charged to the cardholder every year. There is another term that you may come across – enrolment fee. This generally refers to the fee that you have to pay in the beginning when applying for the credit card and not every year. Make sure that you have asked the bank or researched on the website for this fee beforehand, so that it doesn’t pop up as a surprise later on. 

Keep Tabs on the Credit Limit 

A credit limit is the maximum amount of money that you can charge your credit card for. For example, if the credit limit of your credit card is AED 20,000, you will not be able to buy something that costs even AED 20,001 using the credit card. Make sure that the credit limit on your credit card is according to your needs. It is advisable to not go with credit cards that are too high on the credit limit department so that you can keep a stronghold on your spending and not go overboard. 

Know the Minimum Due Limit for Each Month

Your bank will give you a minimum set amount for each month that has been paid before the set payment deadline. The total amount due for the month, the minimum amount due, and the payment deadline are always mentioned on your monthly credit card statement. The minimum amount is the least that you need to pay to avoid action from the bank against you. Although it is always advisable to pay the whole due amount for each month to keep a good credit Score. 

Card Usage Alert

Setting up a card usage alert on your smartphone is a great way to keep your credit card spending in check. Most banks offer this service to their customers via their mobile application. Either check out the app or talk to customer care to set up a text reminder from the bank. 

How to Get the Best Credit Card as a Beginner in the UAE? 

On Paisabazaar.ae, you can compare top UAE credit cards for beginners by checking their benefits and features to find the best option. Follow the steps mentioned below to get the right one: 

• Click on the ‘Credit Cards’ option on the homepage 
• Enter your details in the lead form
• Get the quote page with multiple credit cards
• Compare them based on your needs 
• Click on the ‘Apply’ button to get the best one 

It’s done! One of our representatives will contact you soon to assist you further in choosing the right card.

Conclusion 

As long as you are well aware of your needs, choosing the best credit card for beginners in UAE for yourself is a piece of cake. Although, always be extra careful with the expenses that you make on your credit card and make sure you pay the due amount in time. Your credit score is affected by these factors and may reflect positively or negatively on you if you apply for a loan in the future or another credit card.

FAQ's About Best Credit Cards for Beginners