What Does a 678 Credit Score Mean?

In the table next, we will take a look at the credit score rating under which a 678 credit score falls -

Credit Score Range	Rating
300 to 619	Poor
620 to 679	Fair
680 to 730	Good
731 to 900	Excellent

As illustrated in the table, a 678 credit score falls within the fair credit score range. This indicates that you are a reasonably responsible borrower with demonstrated consistency in meeting your monthly obligations, including credit card payments and other financial commitments. Your credit history suggests a decent level of financial management and responsibility.

Table of Content

Can You Get a Credit Card with a 678 Credit Score?
Can You Get a Personal Loan with a 678 Credit Score?
Can You Get a Home Loan with a 678 Credit Score?
Can You Get a Car Loan with a 678 Credit Score?
Can You Get an Insurance Plan with a 678 Credit Score?
Tips to Further Boost Your 678 Credit Score

While not classified as excellent, a fair credit Score like 678 still instills confidence in banks and lending institutions that you are likely to fulfill your installment and credit card balance payments reliably.

With a credit score of 678, you can have access to a range of credit options. So if you are wondering ‘is 678 a good credit score’ or want to explore your opportunities further, keep on reading below -

Can You Get a Credit Card with a 678 Credit Score?

You can get some good reward-based credit cards with a score as good as 678. The following table shows you some options of the available credit cards that you can go for -

Credit Card	Features and Benefits
First Abu Dhabi Bank Cashback Card	Minimum Income - AED 5,000 Annual Fees - AED 300 5% cashback on supermarket spending (including online) and 3% cashback on school fees and dining, with the best cashback rates on everyday spending. Movie tickets starting at AED 15 Unlimited complimentary access to more than 10 airport lounges in the UAE, Jordan, KSA, Egypt, and Kuwait. Up to 10% cashback on hotel bookings with Booking.com 15% discount on hotel rooms at IHG Hotels & Resorts 20% off on 3 rides per month with Careem when you use the promo code ‘MASTERCARD’ 20% off your car rental with Avis and a complimentary upgrade with every rental. Enjoy two movie tickets a month for AED 15 on weekdays and AED 20 on weekends at select cinemas, plus up to 20% off food and drinks. Up to 20% discount on grocery and food orders (2 times a month) on the talabat app with your Mastercard using the promo code ‘MASTERCARD’. With Priceless Specials, you can enjoy attractive offers on dining, beauty, fitness, attractions, and hotels on utilising your Mastercard. Credit Shield to cover outstanding balances in case you can't meet your credit card payments due to any unfortunate circumstances. Wallet Shield to cover fraudulent transactions on lost or stolen credit cards, stolen cash, and stolen identification papers or keys
Emirates Islamic Cashback Card	Minimum Income - AED 5,000 Annual Fees - AED 367.5 Apply for a new Emirates Islamic Platinum Credit Card and receive an AED 200 noon.com gift card for purchases at noon.com, including noon, FOOD, and DAILY. (Valid until December 31, 2023) No minimum spending requirement Up to 5% cashback on expenditures related to electronic store purchases and telecom Guaranteed 1% cashback on all local as well as international transactions No blackout dates for redeeming cashback You can use the amount of cashback to cover your outstanding balance. Purchase Protection for lost, stolen, or damaged goods Extended Warranty benefit that doubles the warranty for items purchased with your card. Enjoy up to 2 ‘Buy 1 Get 1’ complimentary Reel movie tickets ( any day of the week) — every month Up to 4 free supplementary cards without any annual maintenance fee (AMF) Get USD 25 food or beverage credit at more than 900 hotels worldwide with Visa Luxury Hotel Collection. Transfer your other credit card balances to Emirates Islamic to lower your monthly payments. Secure online shopping with the 3D Secure feature Convert significant transactions into small monthly installments with Easy Payment Plans Enjoy seamless and secure payments with Apple Pay, Google Pay, and Samsung Pay.
Emirates Islamic Flex Credit Card	Minimum Income - AED 5,000 Annual Fees - None Apply for an Emirates Islamic Platinum Credit Card and receive an AED 200 noon.com gift card for purchases at noon.com. Note that this is valid until December 31, 2023. Get a welcome bonus of 10,000 EI SmartMiles. Utilise the ‘Instant Purchase’ feature to redeem EI SmartMiles for any purchase worldwide at any merchant. Earn up to 2.25 EI SmartMiles for every AED 1 spent. Enjoy up to 2 ‘Buy 1 Get 1’ complimentary Reel movie tickets every month — valid on any day of the week. Redeem EI SmartMiles for retail transactions — both local and international — without any blackout dates. Exchange EI SmartMiles with U By Emaar, Emirates Skywards, EtihadGuest, Etisalat Smiles Points, and Intermiles. Redemption options include 300 airlines, 180,000 hotels worldwide, and gift vouchers Purchase Protection for lost, stolen, or damaged goods Extended Warranty benefit that doubles the warranty for items purchased with your card Redeem EI SmartMiles via the online redemption portal — www.eirewards.ae — or the EI Rewards Mobile App. Noon Offer Gift Card Terms & Conditions: Offer valid for new Emirates Islamic Credit Card customers who apply by September 30, 2023, and receive approval by October 31, 2023. Not valid for customers with an active Emirates Islamic Credit Card or those who closed their cards within the last six months Offer not applicable to Emirates Islamic Business Credit Card and Corporate Credit Card holders Minimum retail purchases required for gift vouchers: AED 5,000 for Infinite and Signature Credit Cards, and AED 2,500 for Platinum Credit Cards Gift vouchers, valid for 3 months, will be sent via SMS within one month after the campaign ends. Offer cannot be combined with other promotions Benefits Receive up to 4 complimentary Supplementary Cards with no annual maintenance fee (AMF). Get USD 25 food or beverage credit at more than 900 hotels worldwide through Visa Luxury Hotel Collection. Transfer your other credit card balances to Emirates Islamic to lower your monthly payments. Enjoy secure online shopping with the 3D Secure feature. Convert significant transactions into small monthly installments with Easy Payment Plans. Make convenient, seamless, and secure payments with Samsung Pay, Google Pay, and Apple Pay. Get up to 25% cashback on purchases from 1,500+ brands at CashbackSouk.ae.
Emirates NBD Go4It Gold Credit Card	Minimum Income - AED 6,000 Annual Fees - AED 103.95 Get up to 5 Plus Points for every AED 400 spent. Enjoy free rides on Dubai Ferry. Get free life insurance. Earn Plus Points on your spending Collect 5 points for every AED 400 spent on weekends. Gather 4 points for every AED 400 spent on RTA transactions. Accumulate 1 point for every AED 400 spent on weekdays. Convert your Points into Frequent Flyer Miles or cashback. Utilise your card like a Nol card on the Dubai Metro, buses and water bus stations, and RTA parking meters and obtain an RTA monthly pass. Experience complimentary rides on Dubai Ferry. Benefit from an attractive interest rate of 3.25% per month with a minimum payment of 5% of the outstanding balance or AED 100, whichever is higher.
Citibank Citi Rewards	Minimum Income - AED 8,000 Annual Fees - 1st Year Free Annual fee of AED 300 will apply from the second year onwards unless the annual spend on the card exceeds AED 9,000 Amazon.ae: Enjoy a 10% instant discount (up to AED 50) on eligible purchases over AED 150 at Amazon.ae once a month until December 31, 2023. Carrefour: Get a 15% instant discount (up to AED 50) at Carrefour on eligible purchases over AED 150 once a month using the Carrefour app or website — until December 31, 2023. Talabat: Receive a 20% instant discount (up to AED 14) on grocery and food orders twice a month on the Talabat app. Simply use the promo code ‘MASTERCARD’ at checkout. Get 1.5 ThankYou® Points per USD on all grocery and non-AED spending, and 1 ThankYou® Point per USD spent in AED. Redeem ThankYou® Points for cash rebates, merchandise, travel rewards, gift vouchers, and more. Choose from a wide range of merchandise — from apparel to electronics and home goods. Pay with Points for your purchases through SMS or Citibank Online. No cashback is offered with this card Enjoy Citi World Privileges, offering travel, dining, and entertainment discounts locally and in 95 countries. Enjoy unlimited access to over 1,100 lounges around the globe with the MasterCard Travel Pass app Get a flat 30% discount on 2 movie tickets at VOX Cinemas every month. Access hundreds of Buy 1 Get 1 offers with the free Mastercard priceless specials app. Make swift, secure, and seamless purchases with Apple Pay. Use Quick Cash for instant cash at a button’s click. Choose from a range of merchandise, including apparel, electronics, and home goods. Pay with Points for your purchases through SMS or Citibank Online. Receive 2 complimentary airport rides per year (up to AED 110 each) using the code ‘MAUAE2’ on the Careem app.

Can You Get a Personal Loan with a 678 Credit Score?

Yes, you get a fair range of personal loan options with a 678 credit score. Let’s take a look at some of the options that might be available for you -

Personal Loans	Features and Benefits
Commercial Bank of Dubai Quick Loan	A monthly salary of AED 8,000 or more is required for this personal loan UAE. Apply for a 'Quick Loan' through the CBD App using your Emirates ID and instantly get loan approval for up to AED 150,000 with a repayment period of 48 months. Enjoy an interest rate starting at a monthly reducing rate of 1.17%. Complete a 100% digital application with just a few clicks or taps. Receive instant loan approval in minutes. Salary transfer is not mandatory to obtain this CBD personal loan. The only document needed is your Emirates ID. Maximum repayment period of up to 48 months For non-salary transfer Quick/Digi loans, a one-time fee of 0.5% flat of the loan amount (minimum AED 525 and maximum AED 787.50) is charged upfront End-to-end digital journey Swift loan disbursal – amount transferred to your account in up to 4 minutes Paperless loan processing that requires only your Emirates ID High loan amount of up to AED 150,000 Fixed Rate (p.a.): Starting from 7.6% Reducing Rate (p.a.): Starting from 14%
ADCB Personal Loan	Enjoy swift online approvals within 10 minutes No requirement for credit life insurance Salary transfer is not mandatory Option to top-up the loan after 6 months High loan amounts — up to AED 750,000 for UAE nationals and AED 600,000 for expats. Maximum loan tenure — 4 years. UAE nationals and expats aged between 21 and 65 years and having monthly salary of at least AED 7,500 can apply Credit Card and Free Debit Card: Included Phone Banking: Included Fixed Rate (p.a.): 3.45% Reducing Rate (p.a.): 6.25%
Emirates NBD Loans for UAE Nationals	Get a loan amount of up to AED 4 Million. Enjoy a reducing interest rate starting from 5.99%. Note that the applicable rate will depend on your customer profile and AECB report. Option to defer your loan installment if you can't pay on time. Transfer loans from other banks to Emirates NBD — ranging from AED 25,000 to AED 2 million — at attractive interest rates. Benefit from Credit Life Insurance to cover your outstanding amount in case of an unfortunate event. 7-day return option available Receive a free zero balance account No need for collateral or a guarantor First payment deferment of 120 days (subject to terms and conditions) Note that refinancing or availing installment deferments may extend your loan duration and result in paying more interest. Get a free credit card in the first year with eligible miles/points. Enjoy a free first-year setup fee on Overdraft (OD). Get up to 2 non-consecutive deferments in a loan cycle. Loan tenure of up to 48 months (60 months for Ministry of Defence employees) You can enhance your loan eligibility with an additional source of income Free Bank Account and Insurance: Included Minimum Monthly Salary - AED 5,000 Reducing Rate (p.a.): Starting from 5.99%
FAB Personal Loan for UAE Nationals	Maximum loan amount — AED 5 million Enjoy a grace period of up to 210 days before the first repayment Competitive interest rates Seamless documentation and swift loan approvals. Receive comprehensive personal life insurance coverage Note that early loan repayment may result in penalties. All the mentioned interest rates are applicable to the outstanding loan balance. An additional one-time upfront processing fee of 1.05% applies to the loan amount (minimum AED 525 and maximum AED 2,625). A life insurance fee may also apply. Comprehensive Life Insurance Coverage: Included Flexible Payment Term Minimum Salary - AED 7,000 per month Fixed Rate (p.a.): 2.58% Reducing Rate (p.a.): 4.89%

Can You Get a Home Loan with a 678 Credit Score?

You can get quite a few home loan options with a 678 credit score, considering that banks and other lending institutions may find you a creditworthy borrower who would pay instalments on time with this score.

Here are some options that you can get with a good credit score of 678 -

Home Loan	Details
Standard Chartered Mortgage One	Maximum loan amount – AED 18 million This home loan is available for approved residential properties — both completed and under construction You can easily reduce your mortgage interest by linking your current account and home loan, saving both time and money compared to traditional home loans. Enjoy financial stability with a fixed interest rate of 3.4% for the first 2 years Transfer your home loan with zero processing fees. You can shorten your loan period by directing more of your payments towards the principal amount. Save on interest that is calculated daily based on the difference between your loan balance and account funds. Access your saved interest and account funds whenever you need. Fixed Rate: 1.89% Reducing Rate: 3.4% Settlement Fee: 1.05% of the outstanding amount (up to AED 10,050) Processing Fee: 0.525% of the loan amount (waived for balance transfers and blanket valuation) Maximum Tenure — 25 years Minimum Salary Required – AED: 15,000 per month Downpayment: 20% of the property value
HSBC Fixed Interest Rate Home Loan	Choose fixed instalment periods of 2, 3, or 5 years with added benefits like zero home loan arrangement fee, no salary transfer requirement, and a quick 60-minute Approval in Principle (AIP). If your home loan amount is AED 3 million or more, you will be eligible for a Premier Account. Fixed Rate: 3.59% Settlement Fee: 1% Processing Fee: 1% Maximum Finance Amount AED 20,000,000 or AED 20 million Loan Tenure - Up to 25 Years Minimum Salary – AED 15,000 per month Downpayment: 20%
ADIB Home Loan For UAE Nationals	UAE Nationals can secure financing up to AED 20 million. Enjoy competitive profit rates starting at 3.75% per annum. Special rates available for financing developer handover payments. ADIB covers property takaful (insurance) expenses. Finance up to 80% of the property's value. No early settlement fees when selling the property. Get instant pre-qualification. Benefit from an optional grace period of up to six months. ADIB covers property insurance throughout the full tenure. Others: Fixed Rate: Profit Rate of 2.06% Reducing Rate: Profit Rate of 3.75% Settlement Fee: 1% Processing Fee: 1% Maximum Finance Amount (AED): 20,000,000 Maximum Tenure (Years): 25 Minimum Salary (AED): 10,000 Downpayment: 20% Shariah Compliant: Available
National Bank Of Fujairah Home Loan	Secure financing for up to 80% of your property's value. Borrow loan amounts of up to AED 20 million. Enjoy flexible repayment periods extending up to 25 years. Financing options available for both freehold and leasehold properties Benefit from competitive interest rates Explore equity release and refinance choices. NBF also provides a Belgium Mortgage Loan, assisting you in financing your dream home in Belgium Reducing Rate: 3.49% Settlement Fee: 1% Processing Fee: 1% Maximum Finance Amount (AED): 20,000,000 or AED 20 million Maximum Tenure (Years): 25 Minimum Monthly Salary Required - AED 15,000 Downpayment: 20%
Sharjah Islamic Bank Real Estate Finance	Fulfill your property dreams and finance the purchase of under-construction or off-plan properties with this home loan. Residential Property: Access financing for ready property and residential land Non-Residential Property: Ideal for financing properties intended for commercial use Under Construction Property: Purchase properties in SIB-approved projects that are under construction. Enjoy long repayment tenures of up to 25 years Fixed rent for stability against rate fluctuations Convenient monthly installments for more straightforward budgeting Available for both ready and under-construction properties, with a hassle-free approval process Fixed Profit Rate: 2.75% Reducing Profit Rate: 4.99% Settlement Fee: 1% Processing Fee: 1% Maximum Finance Amount – AED 8,000,000 or AED 8 million Maximum Tenure – 25 Years Minimum Monthly Salary Required – AED 12,000 Downpayment: 20% Shariah-compliant Financing

Can You Get a Car Loan with a 678 Credit Score?

With a 678 credit score, you can certainly find a few options with respect to car loan UAE -

Car Loan	Features and Benefits
Emirates NBD Flexi Drive	Attractive rates starting at 1.92% p.a. (flat) Enjoy transparent pricing linked to 1-month EIBOR, resulting in lower EMIs Half-day approvals for swift loan processing Minimum Salary Required - AED 5,000 per month
Emirates NBD Green Auto Loan	Access exclusive pricing offers for specific electric cars, part of the Go Green initiative of Emirates NBD Explore electric car options with these special offers Enjoy speedy half-day approvals for your convenience Minimum Monthly Salary Required - AED 5,000
Emirates NBD Auto Cash Loan	Access up to 75% of your vehicle's invoice value for cash Benefit from favourable interest rates. Flexible loan repayment options for up to 60 months Get same-day approvals for quick processing Flexible Repayment A monthly salary of at least AED 5,000 is required for this car loan
RAKBANK Car Loan	Salaried customers can benefit from a low interest rate starting at 1.99%. Salary transfer is not mandatory for salaried customers First installment payment deferred for 60 days Flexible repayment options available for up to 60 months or 5 years Companies with a business history of 2 years or more can access financing. Financing extends to insurance, GAP coverage, service and maintenance contracts, and rustproofing No hidden charges Enjoy RAKdirect's 24-hour phone banking support Auto loans are provided for various vehicle categories, including new and used cars as well as sports and luxury cars. Flexible Repayment Minimum Salary Required - AED 5,000 per month
Abu Dhabi Commercial Bank Car Loan	Access financing with a flat rate as low as 1.99% per annum. Enjoy a reducing balance rate of 3.65% for a 12-month tenure Get loan of up to 80% of your car's value Earn 50 TouchPoints for every AED 1,000 of your loan amount. One-signature application Financing of up to AED 1.5 million Flexible repayment tenures of up to 60 months Swift approvals and straightforward documentation Insurance: Included Minimum Salary Required - AED 5,000 per month Fixed Rate: 1.99% Reducing Rate: 3.65%

Can You Get an Insurance Plan with a 678 Credit Score?

Certainly, you can qualify for an insurance plan with a 678 credit score. With this credit score, you can also enjoy attractive premium rates.

Tips to Further Boost Your 678 Credit Score

Here are some easy-to-follow tips to enhance your 678 credit score -

Avoid Immediate Reapplications After a Rejection: A hard inquiry, which lowers your credit score, is made when you apply for new credit. When your loan or credit card application is declined, it's recorded in your credit report. If you reapply elsewhere right away, the new bank will see your low score and the prior rejection, possibly resulting in another refusal. This will also lead to multiple hard inquiries, which can significantly bring down your score. For this reason, it’s advisable to wait until your credit score shows improvement.
Keep Credit Usage in Check: Avoid relying solely on your credit card for all your expenses. Strive to limit your credit usage to 30% or less of your credit limit. This practice can contribute to improving your AECB score.
Regularly Review Your Credit Report: Periodically check your credit reports for two main reasons. First, you can identify any loans or credit cards that may be negatively impacting your score due to missed payments. Second, you can review the information for accuracy. If you discover any erroneous negative entries like missed payments, take steps to rectify them by contacting your bank and the credit reporting agency (AECB).
Pay Credit Card Balances Promptly: When it comes to credit cards, it's wise not to max out your credit limit. Additionally, make sure that you pay your full credit card balance or at least a substantial portion of it, rather than just the minimum amount.
Prioritise Timely Loan Payments: If you've experienced delays with loan payments, it's crucial to make on-time payments a top priority. If you're struggling to meet your monthly installments, discuss options with your bank to make the debt more manageable.
Diversify Your Credit: Diversify your credit by considering both secured and unsecured loans, as your credit mix also plays a key role in terms of your credit score makeup. To address this, consider a mix of unsecured loans like personal loans and secured loans like car or home loans. Credit cards are also categorised as unsecured credit.
Reduce Borrowing: Frequent loan applications or approaching your credit card limit can negatively impact your credit score, as it suggests you're actively seeking excessive credit. Only borrow when necessary and try not to approach the credit limits on your cards.

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