How to Get a Credit Card for a Salary Below AED 4500 in UAE?

Credit cards, as we know, help us make easy purchases without needing immediate cash payments. These cards are pretty effective financial instruments, whether you’re using them to pay bills, do shopping, or access emergency funds.

All the major banks in the UAE offer credit cards with many benefits and features. However, whether you can actually apply for a card depends on meeting specific criteria set by the issuing bank. One of these eligibility requirements is your monthly salary. So can you apply for a credit card for 4500 AED salary in the UAE?

Can You Get a Credit Card for 4500 AED Salary in the UAE?

A 4500 AED salary for credit card is insufficient. As per regulations in the UAE, you must have a monthly salary of at least AED 5,000 to get a credit card in the country. Thus, with a monthly salary of AED 4,500, you cannot apply for a credit card. Let’s see which credit cards are available for you when you’ve a salary of AED 5,000 or more.

Top 5 Credit Cards with a Salary of AED 5000 in the UAE

The table below lists some of the best credit cards in UAE with a monthly salary of AED 5,000 —

FAB Rewards Indulge Card

Features and Benefits of FAB Rewards Indulge Card

• A free for life card
• Buy movie tickets at only AED 20
• Unlimited complimentary airport lounge access is available
• Earn FAB Rewards on all transactions. Additionally, receive monthly bonuses
• Up to 20% off on attractions and entertainment across the UAE
• Shop with Namshi.com and get 20% off
• Up to 20% off on dining at restaurants in the UAE

FAB SHARE Standard Credit Card

 

Features and Benefits of FAB SHARE Standard Credit Card

• Free for life credit card
• Up to 6.5% value back as SHARE points with no limits
• Get up to 3% SHARE points at Ski Dubai, Dreamscape, iFLY Dubai, Little Explorers, and VOX Cinemas
• Up to 1% SHARE points at Mall of Emirates and City Centres
• Earn max 1.5% SHARE points on international spending, retail spending, and online shopping
• ‘2 for 1’ VOX Cinema tickets offer
• Free supplementary credit cards for family members

Deem Titanium Mastercard Credit Card

Features and Benefits of Deem Titanium Mastercard

• The card is free for the first year
• Earn 1% cashback on paying education fee
• ‘Buy 1 Get 1’ free Reel and VOX Cinema tickets
• 20% discount on grocery and food deliveries on the Talabat app
• Supplementary credit cards for immediate family members
• Exclusive discounts on car rentals

Citibank Simplicity Card

Features and Benefits of Citibank Simplicity Card

• Free-for-life card
• No late payment fee, overlimit fee, or cash advance fee involved
• Exclusive 20% discount in food and grocery deliveries with Talabat
• Receive local discounts, and other deals on shopping, entertainment, and online shopping
• Cash Loan facility and Easy Instalment Plan are available

Emirates NBD Mastercard Titanium Credit Card

Features and Benefits of Emirates NBD Mastercard Titanium Credit Card

• Free-for-life credit card
• 1 Plus Point for every AED 100 spent
• Complimentary access to airport lounges across the world
• ‘Buy 1 Get 1’ offers on multiple brands and outlets across Africa and the Middle East
• Up to AED 60,000 job loss cover for up to 1 year
• Earn up to 0.4% points on transactions for grocery, insurance, supermarkets, and car dealerships 
• Up to 0.2% on education, real estate, utility, and fuel spends
• Exceptional deals and offers on shopping, lifestyle, travel, and much more

Eligibility Criteria to Apply for a Credit Card in the UAE

As we know by now, banks don’t offer a credit card 4500 salary. However, even if you’ve a monthly salary of AED 5,000, you will still need to clear other requirements to apply for a credit card. Given below are the general eligibility criteria to apply for a credit card in UAE —

Note: Your respective bank may have other eligibility criteria. Make sure to check the exact requirements with it before applying.

Know Your Credit Score

Documents Required to Apply for a Credit Card in the UAE

Now that we’re aware a 4500 salary credit card is not available in the UAE, let’s understand which documents you need to submit to apply for a credit card with a salary of AED 5,000 or more — 

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

Note: 

1. All the documents — both originals and copies — must be valid.
2. The list above is a generic one. 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 us see what credit card seekers have to ask about a credit card for a minimum salary of AED 4,500 in the UAE!

FAQ About Credit Card for 4500 AED Salary