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

With credit cards, you can easily purchase things without immediate cash payments. Credit card is a an efficient tool in paying off bills, shopping, or accessing emergency fund.

Each bank credit card has different benefits and features. However, to get any card, you must fulfill its respective criteria. One of the eligibility requirements includes your monthly salary. 

Is it possible to get a credit card in uae on 3500 salary?

Can You Get a Credit Card with a Salary Below AED 3,500 in the UAE?

Banks and financial institutions consider multiple factors for evaluating card applications — salary is one of the crucial criteria. Note that your application will be rejected if you have a salary below AED 3500.

If your salary is AED 5000 or above, you are eligible for a credit card in the UAE.

Top 5 Credit Cards with a Minimum Salary in UAE 

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

HSBC Live+ Credit Card

Features & Benefits of CBD Visa Infinite Credit Card

• Earn up to 6% cashback on daily expenditures
• Enjoy interest free days on purchases
• Get a welcome bonus of an AED 800 Amazon gift card
• Buy‑1‑Get‑1 free movie tickets every month
• Enjoy complimentary Zomato Gold membership and up to 50% discount on dining at over 4,000 restaurants

Citibank Citi Simplicity Card

 

 

Features & Benefits of Citi Simplicity Card

• No annual fee
• Enjoy a 20% discount (up to AED 14) on Talabat app every month
• Instant cash loan availability
• Easy installment plan to make your big expenses into small EMIs

Emirates Islamic RTA Card

Features & Benefits of Emirates Islamic RTA Credit Card

• Up to 1.25% cashback on shopping
• Max 2.25% cashback on international expenditures
• Up to 10% cashback on fuel and RTA transport payments
• ‘Buy 1 Get 1’ offers (up to 2 times) every month with Reel movie tickets
• Other benefits include TAP n PAY features, auto top-up of NOL and Salik, Purchase Protection features, extended warranty features, and more
• Get emergency medical and legal referral service worldwide.
• Up to 4 free supplementary credit cards without any AMF

Emirates NBD Mastercard Titanium Credit Card

 

 

Features & Benefits of ENBD — Mastercard Titanium Credit Card

• No annual fee for this credit card
• Complimentary airport lounge access
• Earn points on spending on fuel, groceries, insurance, real estate, utility, education, car dealerships, and supermarkets
• 0% easy payment plans at selected merchants
• Get up to 1 Plus point on every spending of AED 100
• Up to AED 60,000 job loss cover for up to 1 year

FAB Rewards Indulge Card

 

 

Features & Benefits of FAB Rewards Indulge Card

• No annual fees
• Earn high FAB rewards on online, general, and bonus spends
• Get up to 20% off on shopping at Namshi.com
• 4 movie tickets at Reel Cinemas, Star Cinemas, and Cine Royal monthly
• Enjoy up to 20% discount at more than 150 restaurants in the UAE

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

As discussed earlier, a credit card 3500 salary UAE is not available in the country. Let’s understand the other criteria to be eligible for a card in the UAE.  

Eligibility Criteria	Requirements
Age	At least 21 years
Monthly Salary	AED 5,000 or more
Employment Status	You must be either a salaried or a self-employed individual
Nationality	UAE nationals and expats can apply
Credit Score	At least 650

Know Your Credit Score

Credit Card in UAE on 3500 Salary: Documents List 

As mentioned, you cannot get a UAE credit card minimum salary AED 3500. However,  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. 
Let’s see what card seekers have to ask about a credit card in UAE on 3500 salary!

Frequently Asked Questions