Credit Card Eligibility in UAE

General Credit Card Eligibility Requirements in UAE

While each financial institution has its own eligibility criteria for credit cards, we will check out the common eligibility requirements set by most banks and credit card providers in the table below -

Credit Card Eligibility Criteria	Requirements
Minimum Age	21 Years
Maximum Age	60-65 Years (Depending on the nationality)
Nationality	UAE nationals and expatriates
Minimum Income	AED 5,000
Employment Type	Salaried and Self-Employed Individuals
Credit Score	Usually 650 and above

Click here to Apply for Credit Card

Check Eligibility Criteria for Top Credit Card Providers in UAE

Having looked at the general requirements, let’s go through the top credit card providers in the UAE and the eligibility criteria to apply for their credit cards -  

1. Citibank Credit Card - Eligibility Criteria

CitiBank Credit Card	Monthly Salary Requirement
Citibank Rewards Credit Cards	AED 8000
Citibank Citi Cashback Credit Card	AED 8000
Citibank Citi Simplicity Credit Cards	AED 5,000
Citi Premier Credit Card	AED 15,000
Citi Prestige Credit Card	AED 30,000
Citi Ready Credit	AED 8000

Click here to Apply for Citibank Credit Cards

2. First Abu Dhabi Bank Credit Card - Eligibility Criteria

FAB Credit Card	Monthly Salary Requirement
FAB Share Platinum Credit Card	AED 10,000
FAB Du Titanium Credit Card	AED 5,000
FAB Manchester City Titanium card	AED 5,000
FAB Rewards Indulge Card	AED 5,000
FAB Cashback World Card	AED 5,000
FAB SHARE Standard Credit Card	AED 5,000
FAB Low-Rate Credit Card	AED 10,000
FAB Etihad Guest Platinum Card	AED 8,000
FAB Etihad Guest Signature Card	AED 15,000
FAB Blue FAB Platinum by Al-Futtaim	AED 8,000
FAB Blue FAB Signature by Al-Futtaim	AED 15,000
FAB GEMS World Credit Card	AED 8,000

Click here to Apply for FAB Credit Cards

3. Deem Finance Credit Card -  Eligibility Criteria

Emirates NBD Credit Card	Monthly Salary Requirement
Deem Titanium Mastercard	AED 5,000
Deem Platinum Mastercard	AED 10,000
Deem World Mastercard	AED 25,000

Click here to Apply for Emirates NBD Credit Cards

Factors Affecting Your Credit Card Eligibility in UAE

Check out the key aspects that influence your credit card eligibility in the UAE: 

• Age: he minimum age to apply for a credit card in the UAE is 21 for both nationals and expatriates. The upper age limit is usually 63 for expats and 65 for nationals., However, this can differ from one bank to anothe.
• Credit Score: In order to get approved for a credit card from any financial institution, you must have a decent aecb credit score. This figure is used by the bank to determine your creditworthiness. You can easily get a credit card if you have a good credit score usually more than 650. A high score shows you as a low-risk applicant to the bank.
• Existing Credit Card Balance: Having a variety of credit cards can help you get a credit card as it demonstrates your ability to manage debt well. At the same time, to keep a good credit score, you must use your credit cards properly and pay off any balances on schedule. Your credit card application can be denied by the bank if you fall behind on your credit card payments.
• Employment Stability: How stable is your history of employment is a crucial factor considered by banks when deciding on your credit card application. You pose a lower risk to the bank if you have steady work at a reputable company and can easily afford to pay off your credit card obligations. On the other hand, banks may believe that you have a higher risk of missing card payments if you frequently change jobs.

Documents Required for a Credit Card Application in UAE

To carry out the credit card application process in the UAE, you would be required to keep a few documents handy -: 

Documents Required for Salaried Individuals 

• A valid Passport ID 
• A valid Emirates ID for UAE nationals as well as residents
• Utility bill or lease agreement for address proof 
• Salary certificate or salary slip from the current employer 
• Last 3-6 months’ bank account statement 

Documents Required for Self-Employed Individuals 

• A valid passport 
• Emirates ID (for both UAE nationals and residents) 
• Individual and business bank account statements 
• A valid trade licence
• A copy of the Power of attorney (if applicable) 

FAQs on Credit Card Eligibility