How to Get a Credit Card for a Salary Below AED 3000 in UAE?
If you are looking for a credit card in UAE on 3000 salary, it’s important to understand the basic nuances of cards in the country. While these cards are essential to ensure you have sufficient funds for basic transactions, their eligibility criteria vary and may include a minimum monthly salary ...read more
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Can You Get a Credit Card with 3,000 Salary?
Generally, you need a minimum monthly salary of AED 5,000 to get a good card with reasonable benefits. The options for 3000 AED salary credit cards are scarce to negligible.
Note that banks assess the credit card eligibility depending on your income stability, repayment capacity, and the UAE Central Bank debt-burden guidelines.
The primary reasons include —
- You should be able to make monthly repayments easily
- Managing the risk of default
If you want credit cards with considerable benefits and a minimal annual fee, aim for a minimum monthly income of AED 5,000.
What Happens If You Apply for a 3000 AED Salary Credit Card?
If you end up applying for a credit card with an AED 3000 salary, you could face any of the following consequences —
- Instant rejection
- Hard inquiry on your aecb credit report
- Lower chances of future approvals
Thus, the ideal practice as of now is to build your eligibility and then apply for a card.
3000 Salary Credit Card Options
As mentioned above, your options are limited for a credit card in UAE with 3000 salary. However, once you achieve the minimum monthly income of AED 5,000, multiple opportunities open.
Thus, work on achieving a better salary bracket and apply for a suitable credit card in UAE only on Paisabazaar.ae.
Here are your credit card options for an AED 5,000 salary per month!
| Credit Cards | Annual Fee | Features and Benefits | Apply |
|---|---|---|---|
| ADCB Talabat Credit Card | Free for Life | A basic card with offers on Talabat orders —
|
Apply Now |
| Liv. Cashback Credit Card | Free for Life |
|
Apply Now |
| Citibank Citi Simplicity Credit Card | Free for Life |
|
Apply Now |
| FAB Rewards Indulge Credit Card | Free for Life |
|
Apply Now |
| ADCB 365 Cashback Credit Card | Free for the 1st year, AED 383.25 starting the 2nd year |
|
Apply Now |
These credit cards can help you build your credit Score while keeping up with your daily expenses.
When Can You Apply for a Credit Card in the UAE?
You qualify for a credit card only when —
- You have a monthly salary of AED 5,000 or more
- Your salary is transferred to the bank consistently for 3 to 6 months
- You maintain a healthy credit score
FAQs About Credit Card in UAE
Ans: It is not possible to get a credit card with a salary of 3000 AED in the UAE. It is majorly because the minimum salary requirement is pre-decided by the banks, which is AED 5,000.
Ans: Unfortunately, you cannot get a credit card with a monthly salary of AED 3,000. Your monthly salary must be at least AED 5,000.
Ans: As per the guidelines by CBUAE, banks cannot grant you a credit card with a monthly salary of AED 3,000.
Ans: In such scenarios, the bank will levy fees and might even sue you if you are a card defaulter. This can further lead to the issuance of an arrest warrant and travel bans.
Ans: Banks in UAE won’t approve your credit card application if your salary is below AED 3000. However, once your monthly salary becomes AED 5,000 or more, you will be eligible to apply for a card.
Ans: Minimum salary for a credit card in the UAE is AED 5,000. Individuals with a salary below this range are not eligible for credit cards.
Ans: Besides the salary requirement, you must meet the age, employment status, and credit score criteria.
Ans: Yes, banks usually ask you to submit bank statements for verification purposes. You may need to submit 3-6 months’ bank statements.
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