# Credit Card for Salary AED 2500 in UAE
**Published:** 2025-04-15T10:12:48.570Z
**Updated:** 2026-10-12T12:29:46.577Z
**Author:** Tanvi Pathak
**Original Url:** https://www.paisabazaar.ae/credit-cards/articles/how-to-get-a-credit-card-for-a-salary-below-aed-2500-in-uae/
No UAE bank offers an unsecured card on an AED 2,500 salary per month. The CBUAE sets a minimum income of AED 60,000 per annum (approx. AED 5,000 per month) for an unsecured credit card in UAE under CBUAE Regulation 29/2011 Article 5. However, you can get a secured credit card by pledging at least AED 60,000 as a deposit against this salary. ...read more
Table of Content
* [Can I Get a Credit Card on 2500 Salary in UAE?](#can-i-get-a-credit-card-on--salary-in-uae)
* [Top 5 Credit Cards with a Salary of AED 5000 In the UAE](#top--credit-cards-with-a-salary-of-aed--in-the-uae)
* [Emirates NBD U By Emaar Family Credit Card](#emirates-nbd-u-by-emaar-family-credit-card)
* [Emirates NBD Lulu 247 Titanium Credit Card](#emirates-nbd-lulu--titanium-credit-card)
* [Emirates Islamic RTA Credit Card](#emirates-islamic-rta-credit-card)
* [Emirates Islamic Flex Credit Card](#emirates-islamic-flex-credit-card)
* [Citibank Citi Simplicity Credit Card](#citibank-citi-simplicity-credit-card)
* [Why Does the UAE Bank Not Issue a Credit Card Below AED 5,000?](#why-does-the-uae-bank-not-issue-a-credit-card-below-aed-)
* [What Does the Bank See When You Apply for 2500 Salary Credit Card?](#what-does-the-bank-see-when-you-apply-for--salary-credit-card)
* [What are the Alternatives to Getting a Credit Card on a 2500 Salary?](#what-are-the-alternatives-to-getting-a-credit-card-on-a--salary)
* [Credit Card Solutions When You Earn AED 5,000 Per Month](#credit-card-solutions-when-you-earn-aed--per-month)
* [Eligibility Criteria to Get a Credit Card for a Minimum Salary of AED 2500 in UAE?](#eligibility-criteria-to-get-a-credit-card-for-a-minimum-salary-of-aed--in-uae)
* [Documents Required to Get a Credit Card on Below AED 2500 Salary in UAE?](#documents-required-to-get-a-credit-card-on-below-aed--salary-in-uae)
* [FAQ's Related to credit cards in UAE](#faq)
|
## Can I Get a Credit Card on 2500 Salary in UAE?
No, you cannot get a [credit card](https://www.paisabazaar.ae/credit-cards/) with a salary of AED 2500 in UAE. The minimum salary requirement is AED 5,000. Since you cannot get a card with such a low salary, alternative options for you include:
Prepaid cards
Debit cards
Secured cards
Exchange House Payroll CardsOnce you reach the salary bracket of AED 5,000, you can apply for a credit card. |
| --- |
## 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
## Top 5 Credit Cards with a Salary of AED 5000 In the UAE
Check out the top 5 credit cards that you can get with a monthly salary of AED 5,000 here —
## Emirates NBD U By Emaar Family Credit Card
### Emirates NBDEmirates NBD U By Emaar Family Credit Card
### Emirates NBDEmirates NBD U By Emaar Family Credit Card
Minimum Salary (AED)5,000
Annual Fee (AED)Free for Life
Features
* Free for Life
* Movie Discounts
* Dining Discounts
* 30% discount on Emaar Attraction
### Features & Benefits of Emirates NBD U By Emaar Family Credit Card
* Free-for-life Emirates NBD credit card
* Up to 30% discount on entertainment at the Emaar Entertainment Group, which consists of The Dubai Underwater Zoo, Dubai Ice Rink, and Kidzania
* ‘Buy 1 Get 1’ offer on movie tickets at Reel Cinemas
* Get 5% Upoints back on spending in Emaar malls, dine, and stay at Emaar Hospitality Group hotels and restaurants
* 10% base Upoints for spends related to government services, telecommunication payments, and fuel
* Get 25% base Upoints on supermarkets and grocery spends
* Receive 5x extra Upoints on any spending in Emaar
## [Emirates NBD Lulu 247 Titanium Credit Card](https://www.paisabazaar.ae/credit-cards/emirates-nbd-mastercard-titanium-credit-card/)
### Emirates NBDEmirates NBD Lulu 247 Titanium Credit Card
### Emirates NBDEmirates NBD Lulu 247 Titanium Credit Card
Minimum Salary (AED)5,000
Annual Fee (AED)Free for Life
Features
* Free for Life
* Movie Discounts
###
Features & Benefits of Emirates NBD Lulu 247 Titanium Credit Card
* Welcome offer of 0% interest on balance transfers with zero processing fees
* Earn LuLu points on online spending and shopping at LuLu
* Complimentary lounge access at 10+ airports regionally
* ‘Buy 1 Get 1 Free’ movie tickets with Vox Cinemas on spending at least AED 3,000
* You can conveniently redeem your LuLu points at more than 70 LuLu stores
* Earn 3.5% on LuLu points on spending
* Get 2% on fuel spending
* Earn 1% on utility bill payments
* Get 0.35% points on other spending
## [Emirates Islamic RTA Credit Card](https://www.paisabazaar.ae/credit-cards/emirates-islamic-rta-credit-card/)
### Emirates IslamicEmirates Islamic RTA Card
### Emirates IslamicEmirates Islamic RTA Card
Minimum Salary (AED)5,000
Annual Fee (AED)No annual fee
Features
* Cashback
* Nol Card
* RTA Transport Payments
* Fuel Spends
###
Features & Benefits of Emirates Islamic RTA Credit Card
* Earn up to 10% cashback on RTA transport payments and fuel spending
* Up to 2.25% cashback on international transactions
* Up to 1.25% cashback on all other spends
* Easily make secure payments with Google Pay, Apple Pay, and Samsung Pay with the TAP n PAY feature
* Receive up to 4 complimentary supplementary cards without any AMF
* Up to 2 ‘Buy 1 Get 1’ complimentary Reel movie tickets every month on any day of the week
* Auto top-up of your NOL and Salik
* Simply carry one single card for NOL and credit transactions
* Enjoy Purchase Protection in case of stolen, lost, or damaged goods
* Get access to regular class and regular class fare deductions from NOL Tag ID
* Easily convert big-ticket transactions into small monthly instalments with Easy Payment Plans
* Enjoy the Extended Warranty benefit, which automatically doubles the warranty for an item purchased with your card
## [Emirates Islamic Flex Credit Card](https://www.paisabazaar.ae/credit-cards/emirates-islamic-flex-credit-card/)
### Emirates IslamicEmirates Islamic Flex Credit Card
### Emirates IslamicEmirates Islamic Flex Credit Card
Minimum Salary (AED)5,000
Annual Fee (AED)No annual fee
Features
* Welcome Bonus
* EI SmartMiles
* Easy Redemption
###
Features & Benefits of Emirates Islamic Flex Credit Card
* Enjoy a welcome bonus of 10,000 EI SmartMiles on activating your credit card
* Up to 2.25 EI SmartMiles per AED 1 spent
* Avail of the ‘Instant Purchase’ feature and redeem your EI SmartMiles against any purchase across the globe at any merchant
* Up to 2 ‘Buy 1 Get 1’ complimentary Reel movie tickets every month on any day of the week
* Easily redeem your EI SmartMiles through the online redemption portal — www.eirewards.ae — or via the EI Rewards mobile application
* You can redeem your EI SmartMiles to make retail transactions (both local and international) through the Instant Purchase feature without any blackout dates.
* Get ‘Purchase Protection’ cover in case of stolen, lost, or damaged goods
* Redemption option includes 180,000 hotels and 300 airlines worldwide and gift vouchers
* Extended Warranty to automatically double the warranty for an item purchased with a credit card
* Exchange your EI SmartMiles with Emirates Skywards, EtihadgUest, Etisalat Smiles Points, Intermiles, and U By Emaar
* Up to 4 complimentary supplementary cards with no AMF
* Enjoy secure online shopping with the 3D Secure feature
* Transfer your other credit card balances to [Emirates Islamic Credit Card](https://www.paisabazaar.ae/credit-cards/emirates-islamic-bank-credit-cards/) and even lower your monthly payments
* With this credit card, you can convert your big-ticket transactions into small monthly instalments with Easy Payment Plans
## [Citibank Citi Simplicity Credit Card](https://www.paisabazaar.ae/credit-cards/citibank-citi-simplicity-credit-card/)
### Features & Benefits of Citibank Citi Simplicity Credit Card
* No annual charges, cash advance fees, over-limit fees, or late payment fees
* Get Citi World Privileges such as dining, entertainment, and travel discounts locally and across other countries
* Features like Cash Loan and Easy Instalment Plan are available
## Why Does the UAE Bank Not Issue a Credit Card Below AED 5,000?
There are 2 reasons behind it. The first is the CBUAE income threshold of AED 60,000 a year. The second is the cap on your debt burden ratio (DBR), where all the monthly repayments should be less than 50% of your gross monthly salary.
If you earn AED 2,500 a month, 50% of your income (AED 1,250) can go toward settling debts. This leaves you with a disposable income of AED 1,250, leaving with little room for credit or even regular expenses altogether.
## What Does the Bank See When You Apply for 2500 Salary Credit Card?
UAE banks first check your salary. If it’s below the AED 5,000 threshold, the bank declines the application. That said, there are a total of 4 things banks look at, including:
1. Your fixed income (as shown on your salary certificate or slips)
2. Your employer (checked against the bank’s own list of approved companies)
3. Your AECB credit score and report
4. Your DBR (which should be below 50% of your gross monthly income)
## What are the Alternatives to Getting a Credit Card on a 2500 Salary?
Although you cannot get a credit card on a 2500 salary, you can still look out for the following alternatives:
* **Prepaid Cards:** These cards are loaded with money and can be used to make purchases. Some major banks like Emirates NBD Bank, FAB, and ADIB offer prepaid cards.
* **Debit Cards:** You can use your standard salary account debit cards for both online and offline shopping.
* **Exchange House Payroll Cards:** Companies with lower-income staff offer payroll cards that can load a salary up to a certain amount.
* **Secured Credit Cards:** Some banks also offer [secured credit cards](https://www.paisabazaar.ae/credit-cards/articles/secured-credit-cards/) against a deposit of at least AED 60,000.
* **Supplementary Credit Cards:** You can be added to a family member’s card, especially if you share household expenses.
## Credit Card Solutions When You Earn AED 5,000 Per Month
Once you start earning [AED 5,000 per month](https://www.paisabazaar.ae/credit-cards/articles/how-to-get-credit-card-if-you-earn-below-aed-5000/), you become eligible for entry-level credit cards in the UAE. Some cards worth exploring include:
* ADCB Talabat Credit Card
* ADCB 365 Cashback Credit Card
* Essential Cashback Credit Card
* Al Hilal Cashback Credit Card
* Liv. Cashback Credit Card
You can apply for an entry-level credit card on Paisabazaar.ae!
## Eligibility Criteria to Get a Credit Card for a Minimum Salary of AED 2500 in UAE?
As we saw earlier, a credit card for 2500 AED salary is not available in the UAE. However, even if your salary is AED 5,000 or above, you must meet other eligibility requirements to get a credit card. Here are the general requirements to apply for a credit card in UAE —
* Minimum age — although some credit card providers may set this limit at 18 years, the age requirement is mostly 21 years
* Minimum salary for credit card in UAE — AED 5,000 per month
* You must either be a salaried individual or a self-employed individual
## Documents Required to Get a Credit Card on Below AED 2500 Salary in UAE?
Even though a UAE credit card minimum salary 2500 is not available at any banks, you can get a card with AED 5,000 salary. To verify your salary, banks require you to submit a few documents along with other identification documents.
Here is a set of documents required to process your credit card application in the UAE —
* [Emirates ID](https://www.paisabazaar.ae/credit-cards/articles/check-your-emirates-id-status/) copy
* Passport copy
* Latest salary certificate (for salaried employees)
* Valid trade licence (for self-employed individuals)
* Previous 3 or 6 months’ bank statements
Note: Other documents may be required as per the requirement of the concerned bank
## FAQ's Related to credit cards in UAE
### Q1: Can I apply for a credit card with AED 2500 Salary in the UAE?
**Ans:** No, banks have strict salary criteria of a minimum of AED 5,000 to be eligible for a credit card in the UAE.
### Q2: Am I eligible to apply for an Emirates Islamic RTA card if my monthly salary is AED 5,000?
**Ans:** Yes, with a salary of AED 5,000, you can apply for an EIB RTA card, however, subject to other eligibility criteria.
### Q3: Which are some of the credit cards I can get at a salary of AED 5,000?
**Ans:** Some of the cards available at a salary of AED 5,000 are:
* Citibank Citi Simplicity Card
* FAB Rewards Indulge Card
* Emirates NBD U By Emaar Family Card
* Emirates Islamic Flex Card
### Q4. Can I get a supplementary credit card in UAE if my salary is AED 2,500?
**Ans:** Yes, you can get a supplementary credit card. If you have a spouse, parent, or sibling holding a primary card, request them to get a supplementary card in your name at no separate income check.
### Q5. I got rejected by 2 banks. Will applying for a credit card at 2,500 salary for the third time make things worse?
**Ans:** Yes, it will make things worse. First, it will hurt your credit score. Second, most banks in the UAE don’t offer a credit card for such a low salary. It will again lead to rejection. Therefore, aim to increase your salary to AED 5,000 per month.
### Q6. My basic salary is AED 2,500. But I earn AED 800-1,200 extra in monthly tips and overtime. Can I include this when applying for a credit card?
**Ans:** No, you cannot. Banks in the UAE require documented, recurring income only. Tips and overtime are irregular and will not appear in your salary certificate, so banks will not count them. The bank only takes the fixed components that your employer confirms.
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_**Disclaimer:** Paisabazaar.ae does not offer credit cards or any alternatives for an income of AED 2,500 per month. This page is informational, not financial advice._
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