Credit Cards without Bank Statements in UAE

Most banks in the UAE ask for about 3 months of bank statements before approving a credit card. However, you can avoid submitting statements if you apply through an app-based bank, your existing salary-crediting bank, or a secured credit card. However, in each case, the bank still checks your income, AECB credit report, and existing debts.

Credit Card without Bank Statement: At a Glance

Here’s a summary of how a credit card without a bank statement works, what the term means, how to apply, and what checks still apply.

What Readers Want to Know

Q: Can you get a UAE credit card without a bank statement?

Ans: Yes, but that’s on some application routes. Most banks still ask for about 3 months of statements.

Q: What does without a bank statement actually mean?

Ans: It means you don’t need to upload a bank statement when you apply. However, your income, existing debt, and AECB score still matter.

Q: How to get a credit card without a bank statement?

Ans: You can apply with your existing salary bank account, use an app-first digital bank, or apply for a secured card.

Q: What documents do you still need?

Ans: Emirates ID, residence visa, AECB credit check, and a salary certificate.

Q: Who can get a credit card without a bank statement in UAE?

Ans: Customers using app-first banks, secured card holders, and existing salary account holders with the bank

Can You Get a Credit Card without a Bank Statement?

Yes, you can get a credit card without a bank statement, given your bank can verify your income and eligibility through alternative internal records. There are 3 main ways to get such a card:

1. Digital app-based banks 
2. Secured or fixed deposit credit cards
3. Applying with the bank with your salary account

The upcoming sections explain each of these ways in detail. 

Credit Cards Without Bank Statement in UAE

Here’s the list of credit cards without bank statements with annual fees and salary requirements. 

You can compare and apply for Liv credit cards on Paisabazaar.ae.

What Does “Without Bank Statement” Actually Mean?

It means the bank doesn’t need you to manually upload or submit the latest bank statements as a hard copy or in PDF. If you apply for a credit card with the bank that has your salary account, they can already access your transaction history. This saves you the trouble of exporting or uploading a bank statement. 

However, it doesn’t mean it will skip income verification. Even without a statement, the bank checks the following:

1. Valid Emirates ID and Residence Visa
2. Your AECB credit report to review your UAE local credit score and existing debt
3. Your salary certificate or employer contract information to ensure your income stability 

Why Do Banks Ask for Bank Statements in the First Place?

Your bank statement helps a bank verify your actual cash flow, income stability, and existing financial obligations. It’s also important to comply with stringent legal regulations. While a salary certificate shows how much you earn, the bank statement shows how you handle the money. 

• Banks review your 3 to 6 months of transaction history to analyze your net monthly income, balance volatility, regular expenses, and saving patterns.
• Bank statements reveal a lot about standing instructions, loan installments, or credit card bill payments that haven’t shown up in the AECB report yet. 
• Banks also look for returned-item transactions, unexplained large cash deposits, bounced cheques, or extremely low average balances.

How to Get a Credit Card without Submitting a Bank Statement?

You can easily get a credit card without submitting bank statements in 3 main ways, including applying through your existing salary-transfer bank or using a secured card.

Apply at Your Existing Salary Transfer Bank

The easiest way to avoid uploading paper statements is to apply for a credit card directly with the bank that credits your salary. The bank reviews your account statement internally to verify your income. They rely on their automated records rather than external PDFs or paper printouts.

Use Digital Banking Platforms

Digital-first, app-based banks offer streamlined onboarding without conventional paperwork. These platforms review your internal account history within the app. Some of these platforms also accept an official salary certificate from your employer instead of bank statements.

Opt for a Secured Credit Card

If you are new to the UAE and have no local credit history, you can also go for a secured credit card. In this case, the bank waives standard income and bank statement checks because the deposit mitigates its risk.

Bonus Alternative: Get a Supplementary Credit Card

If you don’t have personal income documents or statements, you can also choose a supplementary credit card. You can request your direct family member or spouse to include you as a supplementary cardholder. 

Who is Likely to Get a Credit Card Without a Bank Statement?

A credit card without a bank statement is a feasible option if your income is visible within the same banking ecosystem (through an app-based bank or an existing salary transfer account. Here’s who is likely to qualify:

• A salaried professional whose salary is directly credited into an account with the same bank they are applying for a credit card
• Tech-savvy salaried professionals or expats who prefer using digital banks or neobanks like Liv for a card
• People who do not meet standard monthly salary thresholds or prefer not to submit bank proof and want to rely on a cash collateral approach