# How to Get a Credit Card for a Salary Below AED 4500 in UAE? **Published:** 2025-04-15T10:52:17.297Z **Updated:** 2026-09-17T07:21:34.275Z **Author:** Tanvi Pathak **Original Url:** https://www.paisabazaar.ae/credit-cards/articles/how-to-get-a-credit-card-for-a-salary-below-aed-4500-in-uae/ 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 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. Table of Content * [Can You Get a Credit Card for 4500 AED Salary in the UAE?](#can-you-get-a-credit-card-for--aed-salary-in-the-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) * [FAB Rewards Indulge Card](#fab-rewards-indulge-card) * [FAB SHARE Standard Credit Card](#fab-share-standard-credit-card) * [Deem Titanium Mastercard Credit Card](#deem-titanium-mastercard-credit-card) * [Citibank Simplicity Card](#citibank-simplicity-card) * [Emirates NBD Mastercard Titanium Credit Card](#emirates-nbd-mastercard-titanium-credit-card) * [Eligibility Criteria to Apply for a Credit Card in the UAE](#eligibility-criteria-to-apply-for-a-credit-card-in-the-uae) * [Documents Required to Apply for a Credit Card in the UAE](#documents-required-to-apply-for-a-credit-card-in-the-uae) * [FAQ About Credit Card for 4500 AED Salary](#faq-about credit-card-for--aed-salary) ## 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](https://www.paisabazaar.ae/credit-cards/) with a monthly salary of AED 5,000 — ## [FAB Rewards Indulge Card](https://www.paisabazaar.ae/credit-cards/fab-rewards-indulge-card/) ### FABFAB Rewards Indulge Card ### FABFAB Rewards Indulge Card Minimum Salary (AED)5,000 Annual Fee (AED)Free for Life Features * Free for Life * Movie Discounts * Dining Discounts * Travel Benefits ### 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](https://www.paisabazaar.ae/credit-cards/fab-share-standard-credit-card/) ### First Abu Dhabi BankFirst Abu Dhabi Bank FAB SHARE Standard Credit Card ### First Abu Dhabi BankFirst Abu Dhabi Bank FAB SHARE Standard Credit Card Minimum Salary (AED)5,000 Annual Fee (AED)Free for Life Features * Free for Life * Lifestyle Benefits * Movie Discounts * Free Supplementary Cards * SHARE points ### Features and Benefits of FAB SHARE Standard Credit Card * [Free for life credit card](https://www.paisabazaar.ae/credit-cards/free-for-life-credit-cards/) * 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](https://www.paisabazaar.ae/credit-cards/deem-titanium-mastercard-credit-card/) ### Deem FinanceDeem Finance Deem Titanium Mastercard ### Deem FinanceDeem Finance Deem Titanium Mastercard Minimum Salary (AED)5,000 Annual Fee (AED)1st Year Free\* Features * Airport Lounge Access * Free for 1st year * Hotel Discounts * Cinema offers on VOX and REEL and much more ### 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](https://www.paisabazaar.ae/credit-cards/citibank-citi-simplicity-credit-card/) ### CitibankCitibank Citi Simplicity Card ### CitibankCitibank Citi Simplicity Card Minimum Salary (AED)5,000 Annual Fee (AED)Free for Life Features * Free for Life * Airport Lounge Access * Dining Discounts * Free Supplementary Cards ### 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](https://www.paisabazaar.ae/credit-cards/emirates-nbd-titanium-credit-card/) ### Emirates NBDEmirates NBD Mastercard Titanium Credit Card ### Emirates NBDEmirates NBD Mastercard Titanium Credit Card Minimum Salary (AED)5,000 Annual Fee (AED)Free for Life Features * Free for Life * Lifestyle Benefits * Airport Lounge Access * Golf Benefits * Travel Benefits ### 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](https://www.paisabazaar.ae/credit-cards/) — | Eligibility Criteria | Requirements | | --- | --- | | Age | At least 21 years  | | Salary | At least AED 5,000 per month   | | Employment Status | Must be either a salaried or a self-employed individual   | | Nationality | Both UAE nationals and expats can apply | Note: Your respective bank may have other eligibility criteria. Make sure to check the exact requirements with it before applying. | **[Know Your Credit Score](https://www.paisabazaar.ae/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](https://www.paisabazaar.ae/credit-cards/articles/check-your-emirates-id-status/) (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 Q1: I am a UAE expatriate. Is it mandatory to submit a copy of my residence visa while applying for a credit card? **Ans:** Yes, most banks ask you to submit a copy of your residence visa for the successful processing of your application. Q2: Which credit cards are available for a salary of AED 5000 in Dubai? **Ans:** Some of the top credit cards with a salary of AED 5000 include —  * Emirates NBD Mastercard Titanium Credit Card * Citibank Simplicity Card * Deem Titanium Mastercard  * FAB SHARE Standard Credit Card * FAB Rewards Indulge Card Q3: Which AED 5000 salary credit cards are free for life? **Ans:** The following cards are free-for-life — * Emirates NBD Mastercard Titanium credit card * Citibank Simplicity credit card * FAB SHARE Standard credit card You can get more free-for-life cards at a salary of AED 5,000 — head out to Paisabazaar UAE to view your preferred quotes! Q4: What are the benefits associated with the Emirates NBD Mastercard Titanium credit card? **Ans:** Here are the top benefits of the credit card in the UAE — * Complimentary access to more than 10 VIP airport lounges * ‘Buy 1 Get 1’ offers on multiple brands and outlets across the Middle East and Africa * Up to AED 60,000 job loss cover for a period of 1 year * Reward points upon spending on supermarket, fuel, education, groceries, insurance, and more Related Articles [Best Credit Cards for 40000 Salary in UAE](https://www.paisabazaar.ae/credit-cards/articles/best-credit-cards-for-40000-salary-in-uae/) [Credit Card for AED 15,000 Salary](https://www.paisabazaar.ae/credit-cards/articles/credit-card-for-aed-15000-salary/) [Credit Card for AED 25,000 Salary](https://www.paisabazaar.ae/credit-cards/articles/credit-card-for-aed-25000-salary/) [Credit Cards for AED 30,000 Salary](https://www.paisabazaar.ae/credit-cards/articles/credit-cards-for-30000-salary/) [Best Credit Cards for AED 12,000 Salary in UAE](https://www.paisabazaar.ae/credit-cards/articles/credit-cards-for-aed-12000-salary-in-uae/) [Credit Card for Salary AED 2500 in UAE](https://www.paisabazaar.ae/credit-cards/articles/how-to-get-a-credit-card-for-a-salary-below-aed-2500-in-uae/) [Credit Card for Salary Below AED 3000](https://www.paisabazaar.ae/credit-cards/articles/how-to-get-a-credit-card-for-a-salary-below-aed-3000-in-uae/) [Credit Card for Salary Below AED 3500 in UAE](https://www.paisabazaar.ae/credit-cards/articles/how-to-get-a-credit-card-for-a-salary-below-aed-3500-in-uae/) [Credit Card for Salary Below AED 4000](https://www.paisabazaar.ae/credit-cards/articles/how-to-get-a-credit-card-for-a-salary-below-aed-4000-in-uae/) [How to Get a Credit Card for a Salary Below AED 6000 in UAE?](https://www.paisabazaar.ae/credit-cards/articles/how-to-get-a-credit-card-for-a-salary-below-aed-6000-in-uae/) [How to Get a Credit Card for Salary 8000 in UAE?](https://www.paisabazaar.ae/credit-cards/articles/how-to-get-a-credit-card-for-salary-8000-in-uae/) [How to Get a Credit Card for Salary 10000 in UAE?](https://www.paisabazaar.ae/credit-cards/articles/how-to-get-credit-card-if-you-earn-aed-10000-in-uae/) [Best Credit Cards in the UAE for AED 5,000 Salary](https://www.paisabazaar.ae/credit-cards/articles/how-to-get-credit-card-if-you-earn-below-aed-5000/) ## People Also Looking For [Credit Card UAE](https://www.paisabazaar.ae/credit-cards/)[Credit Cards With Airline Lounge Access](https://www.paisabazaar.ae/credit-cards/articles/5-credit-cards-offering-complimentary-airport-lounge-access/)[Credit Cards For Cash Back](https://www.paisabazaar.ae/credit-cards/articles/top-cashback-credit-cards-in-uae/)[Application Credit Card Status](https://www.paisabazaar.ae/credit-cards/articles/how-to-check-credit-card-application-status/)[Emirates NBD Credit Card Tracking](https://www.paisabazaar.ae/credit-cards/articles/how-to-check-emirates-nbd-credit-card-application-status/)[Free For Life Credit Cards UAE](https://www.paisabazaar.ae/credit-cards/free-for-life-credit-cards/)[Credit Credit Cards Instant Approval](https://www.paisabazaar.ae/credit-cards/articles/want-a-credit-card-with-instant-approval-here-are-your-options/) [Best Credit Cards For Beginners](https://www.paisabazaar.ae/credit-cards/articles/best-credit-cards-for-beginners-in-uae/)[ADCB Credit Card Application Status](https://www.paisabazaar.ae/credit-cards/articles/how-to-check-adcb-credit-card-application-status/)[Credit Card Without Annual Fee](https://www.paisabazaar.ae/credit-cards/articles/top-credit-cards-with-no-annual-fee-in-uae/)[Check Eligible Credit Cards](https://www.paisabazaar.ae/credit-cards/articles/credit-card-eligibility-in-uae/)[Credit Card For without Job](https://www.paisabazaar.ae/credit-cards/articles/get-a-credit-card-in-uae-without-a-job/)[UAE Identity Card Status](https://www.paisabazaar.ae/credit-cards/articles/check-your-emirates-id-status/) ←Previous [How to Get a Credit Card for a Salary Below AED 3500 in UAE?](https://www.paisabazaar.ae/credit-cards/articles/how-to-get-a-credit-card-for-a-salary-below-aed-3500-in-uae/) Next→ [How to Get a Credit Card for a Salary Below AED 6000 in UAE?](https://www.paisabazaar.ae/credit-cards/articles/how-to-get-a-credit-card-for-a-salary-below-aed-6000-in-uae/)