How to Get a Credit Card for a Salary Below AED 3000 in UAE?

With credit cards, you can buy things and make transactions without carrying cash. In the UAE, having a credit card is handy for shopping, paying bills, and emergencies. Each card comes with different benefits and requirements. However, banks follow certain standard guidelines for offering credit cards, one of which is your monthly salary. 

A minimum salary for credit cards in the UAE is required by each lending institution. Let’s see if an individual can get a credit card in the UAE on AED 3,000 salary.

Can You Get a Credit Card with a Salary Below AED 3,000 in the UAE?

Salary is an important factor among the several card eligibility criteria. It’s worth mentioning that banking institutions in the UAE don’t approve credit card applications of those with a salary below AED 3000.

Your minimum monthly salary must be AED 5,000 or above to be an eligible credit card applicant.

Top 5 Credit Cards on Below AED 3000 Salary in UAE 

As we saw above, the minimum salary for a credit card in the UAE is AED 5,000. Let’s take a look at the top 5 cards in the UAE available with this salary along with their key features and benefits :

Liv. Cashback Credit Card  

 

Best Features & Benefits of Liv. cashback credit card

• The card is free for life
• Get access to more than 25 airport lounges
• Enjoy a 10% discount on Trip.com
• Enjoy up to 10% discount on Musafir.com
• Avail of 20% off on the Talabat app
• Amazing VOX Cinema deal is available
• Get up to 7% wallet credit on booking with Booking.com

Citibank Citi Simplicity Card

 

Best Features & Benefits of Citi Simplicity Card

• This is a free-for-life credit card
• Get 20% off on Talabat food and grocery deliveries
• Cash Loan and Easy Instalment Plan available for easy money management
• Enjoy domestic deals and offers on online shopping, entertainment, and dining

HSBC Live+ Credit Card

Best Features & Benefits of HSBC Live+ Credit Card

• A welcome bonus is available
• Earn exceptional cashback on groceries, education, fuel, entertainment, dining, and more
• Exclusive ‘Buy 1 Get 1’ free movie ticket offers at Cinemas across the UAE
• Get complimentary access (up to 12 annual visits) to more than 1,000 airport lounges across the globe Other perks like multi-trip travel insurance, complimentary Careem+ subscription, Extended Warranty Protection are available

Emirates NBD Mastercard Titanium Credit Card

 

Best Features & Benefits of ENBD Mastercard Titanium Credit Card

• This is a free for life credit card
• Enjoy complimentary access at more than 10 VIP airport lounges
• Get ‘Buy 1 Get 1’ offers on the best brands and outlets across Africa and the Middle East
• Earn up to 1 Plus point on each spend of AED 100
• Receive up to AED 60,000 job loss cover for up to 1 year
• Earn points on spending on groceries, insurance, utility, real estate, fuel, education, car dealerships, and supermarkets
• Enjoy up to 40% discount at 100+ golf courses globally

Emirates Islamic RTA Card  

 

Best Features & Benefits of Emirates Islamic RTA Card

• Get up to 2.25% cashback on international spending
• Enjoy up to 10% cashback on fuel spending and RTA transport payments
• Earn up to 1.25% cashback on other shopping
• Avail of up to 2 ‘Buy 1 Get 1’ offers every month (for free) with Reel movie tickets
• Get a discount of USD 25 on beverages or food at over 900 hotels globally with Visa Luxury Hotel Collection
• Get up to 4 supplementary credit cards for free without any AMF
• Other exclusive benefits include TAP n PAY features, auto top-up of NOL and Salik, Purchase Protection features, extended warranty features, and more 

Eligibility Criteria for Obtaining a Credit Card in UAE on 3000 Salary

Given below are the common eligibility criteria to apply for a credit card in the UAE —

Documents Required to Apply for a Credit Card

As discussed, you cannot get a credit card in the UAE for AED 3000 salary. 

However, if you possess a salary of AED 5,000 or more, you can refer to the checklist of documents mentioned below for card application processing —

• Emirates ID (original and a copy)
• Passport (original and a copy)
• Salary certificate (for salaried individuals)
• Trade Licence (for self-employed individuals)
• Security Cheque
• Recent 3-6 months’ original bank statements

Note: This is a list of common documents. Actual requirements may vary as per the bank. 

Make sure to confirm the set of documents required for the card application processing with your respective bank.  

Let’s see what credit card seekers have to ask about a credit card for a minimum salary of AED 3,000 in the UAE!

FAQs About Credit Card in UAE