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

Can You Get the Best Credit Card in UAE for 5000 Salary?

Yes, you can get the best credit card for 5000 AED salary. You can easily get entry-level cards with this monthly income. These cards are particularly designed for -

• First-time credit card users
• New residents who want to build a credit history
• Mid-level salaried professionals
• People looking for cashback on daily spending

These cards are suitable for practical benefits.

Best Credit Cards for 5000 AED Salary in the UAE 

If you’re earning a salary of AED 5,000, here are the top options for 5000 salary credit cards —

What Does a Bank Check Besides Salary?

Apart from analysing your salary threshold, the bank also evaluates the following factors —

• Your credit score
• Employer’s category
• Existing liabilities
• Length of employment
• Salary transfer stability 

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