How to Get a Credit Card if you Earn Below AED 5000

Credit cards have certainly gained popularity in the UAE. Banks and other lending institutions in the country offer a wide array of credit card options designed to cater to the unique needs and preferences of individuals and businesses alike. 

With a credit card, you can conveniently make purchases, settle bills, and efficiently manage your finances. These cards not only facilitate transactions but also elevate your spending experience through amazing benefits such as rewards programs and exclusive privileges. 

When it comes to applying for a best credit card in UAE, there are specific eligibility criteria to meet. This includes minimum salary requirements, minimum and maximum age limits, and so on. 

Here we will focus on the salary requirement part and see whether it is feasible to obtain a credit card with a monthly salary below AED 5,000 in the UAE. 

How to Get a Credit Card for a Salary Below AED 5,000 in UAE?

As mentioned earlier, lending institutions in the UAE have a set criterion of minimum monthly salary. The lowest that this limit can go is AED 5,000. Consequently, individuals with a monthly salary below AED 5,000 do not meet the eligibility criteria for any credit card in the country.
On the other hand, for those with a salary of AED 5,000 or above, there are numerous credit card options to choose from. In the next section, we have given a comprehensive list of these credit cards tailored specifically for individuals who meet or exceed the minimum salary requirement of AED 5,000.

Top 5 Credit Cards Offered in the UAE at a Salary of AED 5,000 and More

Citibank Citi Simplicity Credit Card

• Experience financial flexibility and a hassle-free credit card experience with no annual charges, cash advance fees, over-limit fees, or late payment fees.
• Unlock a world of privileges with Citi World Privileges, granting you access to dining, entertainment, and travel discounts both locally and in other countries.
• Avail of Cash Loan and Easy Instalment Plan.
• 20% off on food and grocery deliveries on the Talabat app.

Emirates Islamic Flex Credit Card

• Upon activating your credit card, you can embark on a rewarding journey with a generous welcome bonus of 10,000 EI SmartMiles that set you off to a great start.
• Earn up to 2.25 EI SmartMiles for every AED 1 spent and swiftly accumulate miles to unlock exciting rewards.
• Enjoy the convenience of the 'Instant Purchase' feature, which enables you to effortlessly redeem your EI SmartMiles for any purchase across the globe at any merchant.
• Enjoy the benefit of up to 2 complimentary 'Buy 1 Get 1' Reel movie tickets every month, available on any day of the week.
• Enhance your rewards experience by exchanging your EI SmartMiles with esteemed partners such as Emirates Skywards, Etihad Guest, Etisalat Smiles Points, Intermiles, and U By Emaar.
• Get up to 4 complimentary supplementary cards, all without any annual membership fees. This way, your loved ones can enjoy the perks of the card as well.
• Conduct secure online shopping using the 3D Secure feature, ensuring your transactions are protected.
• Simplify your finances by transferring your other credit card balances to Emirates Islamic, which can reduce your monthly payments and help you manage your debts more effectively.
• Seamlessly redeem your EI SmartMiles through the user-friendly online redemption portal, www.eirewards.ae, or via the EI Rewards mobile application, making your rewards redemption process effortless.
• Utilise your EI SmartMiles for retail transactions, both locally and internationally, with the Instant Purchase feature.
• Stay worry-free with the comprehensive 'Purchase Protection' feature, which provides coverage in case of stolen, lost, or damaged goods.
• Expand your redemption options with a vast selection of 180,000 hotels and 300 airlines worldwide as well as enticing gift vouchers.
• Benefit from the Extended Warranty feature, automatically doubling the warranty for items purchased using your credit card, providing additional protection.
• Convert your significant purchases into manageable monthly instalments with Easy Payment Plans and have financial convenience and flexibility.

Emirates Islamic RTA Credit Card

• Maximise your savings with a generous cashback of up to 10% on RTA transport payments and fuel expenses, ensuring that every commute brings valuable returns.
• Make your global transactions even more rewarding with up to 2.25% cashback on international expenditures to add to your savings while exploring the world.
• Enjoy valuable returns of up to 1.25% cashback on all other domestic spends, making every purchase a rewarding experience.
• Experience the convenience and security of TAP n PAY, seamlessly making payments through popular platforms like Google Pay, Apple Pay, and Samsung Pay.
• Share the benefits with your family members through up to 4 complimentary supplementary cards, all without any annual membership fees.
• Enjoy memorable cinema experiences with up to 2 complimentary 'Buy 1 Get 1' Reel movie tickets every month, available on any day of the week.
• Simplify your transactions with auto top-up for your NOL and Salik for seamless payments and peace of mind.
• Declutter your wallet and make transactions more convenient by streamlining your payments with a single card for NOL and credit transactions.
• Get benefits from the Purchase Protection feature in the form of coverage in case of stolen, lost, or damaged goods.
• Save on commuting expenses with fare deductions for regular class and regular class from NOL Tag ID. Convert your significant transactions into manageable monthly instalments with Easy Payment Plans.
• Experience enhanced protection with the Extended Warranty benefit, which automatically doubles the warranty for items purchased using your card.

Emirates NBD U By Emaar Family Credit Card

• Enjoy the exclusive advantages of the emirates nbd credit card, which includes a lifetime fee waiver for the utmost financial convenience.
• Immerse yourself in captivating experiences and enjoy fantastic discounts of up to 30% on entertainment at the renowned Emaar Entertainment Group. Explore The Dubai Underwater Zoo, glide on the Dubai Ice Rink, and discover the wonders of Kidzania.
• Enhance your cinema experience with the exclusive 'Buy 1 Get 1' offer on movie tickets at Reel Cinemas to enjoy memorable moments on the big screen.

  

• Earn valuable rewards with 5% Upoints on your expenditures at Emaar malls or when you dine and stay at Emaar Hospitality Group hotels and restaurants. You can also maximise your rewards program with 10% base Upoints on spending for government services, telecommunication payments, and fuel.
• Enjoy increased rewards with 25% base Upoints when shopping at supermarkets and groceries, ensuring your everyday purchases are even more rewarding. Additionally, you can receive an extra boost with 5 times the Upoints on any expenditure within the Emaar network, further enhancing your rewards program.

Emirates NBD LuLu 247 Titanium Credit Card

• Take advantage of the special welcome offer, which is 0% interest on balance transfers with no processing fees.
• Easily redeem your LuLu points at more than 70 LuLu stores to make your shopping experience even more rewarding.
• Earn 3.5% on LuLu points for every spending to accumulate points quickly and enjoy exciting rewards.
• Get 2% points on fuel spending.
• Earn 1% on utility bill payments
• Get 0.35% on other spends and have each purchase bring you closer to earning additional rewards.
• Earn LuLu points on online spending and shopping at LuLu, expanding your opportunities to earn rewards.

What are the Eligibility Criteria for Credit Cards in the UAE?

Here are the general requirements set by banks for credit cards in the UAE - 

• You must fulfil the minimum age requirements as per your provider. Although some credit card providers may set this limit at 18 years, the standard age requirement as per most banks is 21 years old. 
• You must have a minimum monthly salary of AED 5,000.
• You must either be a salaried individual or a self-employed individual. 

Which Documents are Required for Credit Cards in the Emirates?

When applying for a credit card in the UAE, you would need the following list of documents -  

• Original and a valid copy of the Emirates ID
• Passport - original and a valid copy 
• Latest salary certificate (for salaried employees)
• Valid trade licence (for self-employed individuals)
• Previous 3 or 6 months’ bank statements

Have a look at some frequently asked questions related to credit cards for a salary below AED 5,000 in the UAE -  

FAQ's