# Credit Card Eligibility in UAE **Published:** 2023-03-14T08:30:34.648Z **Updated:** 2026-07-30T16:29:50.756Z **Author:** Tanvi Pathak **Original Url:** https://www.paisabazaar.ae/credit-cards/articles/credit-card-eligibility-in-uae/ Credit cards are popular credit instruments that give you convenience, flexibility, and a host of benefits when making purchases. They also help you build your credit score over time, if you use them responsibly. However, before you can enjoy the advantages, you must meet the eligibility requirements set by each bank. Factors such as age, income, credit history, and existing debt play a key role in determining your creditworthiness. In this guide, we’ll walk you through the key criteria for credit card eligibility in the UAE and what you need to know before applying. ...read more Most Popular Credit Card in UAE Salary Range Free for Life ### Cashback Credit Card CashbackAirport Lounge AccessTravel DiscountsDining DiscountsFood Delivery OffersIslamic / Shariah Compliance Minimum Salary:**5,000** Annual Fee:**Free for Life** 5% cashback on two categories below Grocery, Educations, Fuel, International spends, Dining Enjoy complimentary airport lounge access to over 25 lounges worldwide. Cashback ### ULTRACASH Mastercard Touch Card Valet ParkingBalance Transfer Facility0% Installment Plans Minimum Salary:**10,000** Annual Fee:**500** Welcome Offer : Make one retail transaction in the first 30 days of card issuance and receive bonus cashback upon payment of annual fee.AED 500 UAE Nationals and AED 300 Expatriates 10% cashback on Fuel for the first 3 months and 5% thereafter Reward Points ### TouchPoints Visa Infinite Credit Card Airport Lounge AccessMovie DiscountsDining DiscountsGolf BenefitsTravel Insurance CoverageTravel DiscountsFood Delivery OffersBalance Transfer Facility0% Installment PlansSchool Fee Installment PlanInstant Cash Loan Minimum Salary:**25,000** Annual Fee:**1,050** 15,000 Bonus TouchPoints for spends of AED 15,000 VOX Cinemas Buy one get one FREE ## 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](https://www.paisabazaar.ae/credit-cards/) 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)  Check Top UAE Banks Credit Card Eligibility * [Citibank Credit Card Eligibility](https://www.paisabazaar.ae/credit-cards/articles/citibank-credit-card-eligibility/) * [Standard Chartered Credit Card Eligibility](https://www.paisabazaar.ae/credit-cards/articles/standard-chartered-bank-credit-card-eligibility/) * [Emirates NBD Credit Card Eligibility](https://www.paisabazaar.ae/credit-cards/articles/emirates-nbd-credit-card-eligibility/) * [RAKBANK Credit Card Eligibility](https://www.paisabazaar.ae/credit-cards/articles/rakbank-credit-card-eligibility/) * [Emirates Islamic Bank Credit Card Eligibility](https://www.paisabazaar.ae/credit-cards/articles/eib-credit-card-eligibility/) * [Dubai Islamic Bank Credit Card Eligibility](https://www.paisabazaar.ae/credit-cards/articles/dib-credit-card-eligibility/) * [Sharjah Islamic Bank Credit Card Eligibility](https://www.paisabazaar.ae/credit-cards/articles/sharjah-islamic-bank-credit-card-eligibility/) * [Finance House Credit Card Eligibility](https://www.paisabazaar.ae/credit-cards/articles/finance-house-credit-card-eligibility/) * [American Express Credit Card Eligibility](https://www.paisabazaar.ae/credit-cards/articles/american-express-credit-card-eligibility/) * [Ajman Bank Credit Card Eligibility](https://www.paisabazaar.ae/credit-cards/articles/ajman-bank-credit-card-eligibility/) * [Deem Finance Credit Card Eligibility](https://www.paisabazaar.ae/credit-cards/articles/deem-credit-card-eligibility/) * [HSBC Credit Card Eligibility](https://www.paisabazaar.ae/credit-cards/articles/hsbc-credit-card-eligibility/) * [ADCB Credit Card Eligibility](https://www.paisabazaar.ae/credit-cards/articles/adcb-credit-card-eligibility/) * [FAB Credit Card Eligibility](https://www.paisabazaar.ae/credit-cards/articles/fab-credit-card-eligibility/) * [ADIB Credit Card Eligibility](https://www.paisabazaar.ae/credit-cards/articles/adib-credit-card-eligibility/) * [CBD Credit Card Eligibility](https://www.paisabazaar.ae/credit-cards/articles/cbd-credit-card-eligibility/) ## FAQs on Credit Card Eligibility Is it possible to get a credit card in the UAE with a salary of AED 4000? No, you must have a minimum salary of AED 5,000 to obtain a credit card in the UAE.  Are there any bank accounts available for children that provide a credit card? No, financial institutions offer debit cards with children’s bank accounts Are both bank account statements and salary certificates required for salaried individuals while applying for a credit card? Yes, a salary certificate and bank account statements are required to apply for a credit card. How long do financial institutions take to process a credit card application in the UAE? The time taken for the processing of a credit application in the UAE entirely depends on your bank. Some banks take 24 hours, while others may complete the process in 3 to 4 days. ## People Also Looking For [Credit Cards](https://www.paisabazaar.ae/credit-cards/)[Best Airport Lounges Access Credit Cards](https://www.paisabazaar.ae/credit-cards/articles/5-credit-cards-offering-complimentary-airport-lounge-access/)[Top Cashback Credit Cards](https://www.paisabazaar.ae/credit-cards/articles/top-cashback-credit-cards-in-uae/)[Check Credit Card Application Status](https://www.paisabazaar.ae/credit-cards/articles/how-to-check-credit-card-application-status/)[Emirates NBD Credit Card Status](https://www.paisabazaar.ae/credit-cards/articles/how-to-check-emirates-nbd-credit-card-application-status/)[Best Free for Life Credit Card](https://www.paisabazaar.ae/credit-cards/free-for-life-credit-cards/)[Instant Approval Credit Cards UAE](https://www.paisabazaar.ae/credit-cards/articles/want-a-credit-card-with-instant-approval-here-are-your-options/) [Beginners Credit Cards](https://www.paisabazaar.ae/credit-cards/articles/best-credit-cards-for-beginners-in-uae/)[ADCB Credit Card Status](https://www.paisabazaar.ae/credit-cards/articles/how-to-check-adcb-credit-card-application-status/)[Best Cards With No Annual Fee](https://www.paisabazaar.ae/credit-cards/articles/top-credit-cards-with-no-annual-fee-in-uae/)[Credit Card in Uae without Job](https://www.paisabazaar.ae/credit-cards/articles/get-a-credit-card-in-uae-without-a-job/)[Check Emirates Id Status](https://www.paisabazaar.ae/credit-cards/articles/check-your-emirates-id-status/) ←Previous [How to Block & Unblock RAKBANK Credit Cards](https://www.paisabazaar.ae/credit-cards/articles/how-to-block-and-unblock-rakbank-credit-card/) Next→ [Credit Card Interest-Free Periods](https://www.paisabazaar.ae/credit-cards/articles/average-credit-card-interest-rate-in-uae/)