How to Get a Credit Card for a Salary Below AED 3500 in UAE?

Can You Get a Credit Card with AED 3,500 Salary?

Getting a traditional credit card in UAE on 3500 salary is unfeasible. Almost all the banks in the UAE provide a card for a minimum monthly salary of AED 5,000. You get good or reasonable benefit credit cards only when you have a salary of AED 5,000 or more. 

A salary above AED 5,000 ensures that you can repay the credit card balance without hassle. Applications below the AED 5,000 threshold can get rejected, even if their debt-to-income ratio is within the acceptable range.

Top Credit Cards with a Minimum Salary of AED 5,000 in UAE 

Here is a list of the top credit cards in the UAE with a salary of AED 5,000 —

Please note that these credit cards can help you build your credit score. You can always explore more options as you achieve higher monthly incomes. 

For Your Information - How Banks Assess Your Applications for a Credit Card in UAE?

Banks evaluate your credit card applications based on the following factors -

• Minimum Income Requirement - The bank reviews if you meet the minimum salary threshold. The minimum income requirement is AED 5,000 per month. For many cards, however, you need a higher income.
• Debt Burden Ratio Check - One of the many reasons why banks don’t approve an application for credit card with 3500 salary in UAE is the high debt burden ratio. Ideally, your debt burden ratio should not exceed 50%.
• Employer Listing - Several banks give special consideration to applications of employees of an approved list of companies. 
• A Check on aecb credit report - With every credit card application, the bank pulls a hard inquiry. This is to check your credit report, which helps in verifying your history of credit repayments. 

Know Your Credit Score

Credit Card in UAE on 3500 Salary: Are You Eligible?

As discussed earlier, no applicant can get a credit card in UAE on 3500 salary. Here’s a rundown of general eligibility criteria. 

Credit Card in UAE on 3500 Salary: Documents List 

Once your salary is AED 5,000 or more, you can apply for a credit card. For this, you will need to submit the documents mentioned below —

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

Frequently Asked Questions