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Ajman Bank Credit Card Eligibility

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Top Ajman Bank Credit Cards in UAE

One of the leading Islamic banks in the UAE, Ajman Bank was established in 2007 and offers an array of financial and banking solutions to corporate, personal, and government clients. This list includes credit cards, using which you can easily make transactions and enjoy various offers and rewards. 

However, to apply for an Ajman Bank credit card, you would have to meet a few eligibility standards first. In this write-up, we will discuss the Ajman Bank credit card eligibility criteria, the documents required for the same, and others to make the application process more convenient for you. 

Basic Eligibility Criteria to Apply for Ajman Bank Credit Card in UAE

Here are the general eligibility criteria to apply for an Ajman Bank credit card -

  • Both UAE nationals and expatriates can apply for an Ajman Bank credit card
  • You must be at least 21 years old at the time of application
  • You should be either a salaried or a self-employed employee 
  • You must possess a regular income source and have a monthly salary of at least AED 5,000 
  • You must have a good credit score

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Eligibility Criteria for Top Ajman Bank Credit Cards in the UAE

Based on the top credit cards provided by Ajman Bank, the following are the eligibility criteria -

ULTRACASH Mastercard Touch Card

  • Both UAE nationals and expatriates can apply for this Ajman Bank credit card
  • Both salaried and self-employed individuals can apply. 
  • The minimum monthly salary should be AED 10,000 (if you are a salaried individual) 

BRight World Credit Card 

You would be required to have a monthly income of at least AED 10,000.

BRight Platinum Credit Card

Your monthly salary should be AED 5,000 or more.

BRight Titanium Credit Card

Your income should be at least AED 5,000 per month.

Documents Required to Apply for Ajman Bank Credit Cards

To apply for Ajman Bank credit cards, you would be required to provide these documents -

  • Key fact statement 
  • Passport and Emirates ID
  • Residence visa (not required for Emirates ID issued post 11th April 2022)
  • Completed credit card application form
  • Original salary certificate (for employees of non-listed companies)
  • Recent 1-month salary slip (for employees of listed companies)
  • Trade licence (for self-employed people who have an account with Ajman Bank)

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Factors that Affect the Ajman Bank Credit Card Eligibility

The Ajman Bank credit card eligibility criteria are primarily affected by these factors -

  • Credit Score - The probability of getting an Ajman Bank credit card with a high credit limit increases when you have a high credit score. In contrast, if you have a low credit score, chances are that your application for an Ajman Bank credit card will get rejected.
  • Employment Status - If you have been with your current company for more than a year, the chances of availing of the Ajman Bank credit card on favourable terms are high as this indicates work stability.
  • Credit Utilisation Ratio - Ajman Bank also looks into your credit utilisation ratio before providing you with a credit card. If your existing debts are more than the set limit, your credit card application approval chances will be affected. 

How to Improve Your Ajman Bank Credit Card Eligibility in UAE?

You can follow these steps to improve your profile and qualify for the Ajman Bank credit card eligibility -

  • Paying Bills on Time - Payment history plays a significant role in the evaluation of your credit score. A good credit score, in turn, increases the chances of getting the Ajman Bank credit card application approved. Thus. to improve your approval chances, you should pay credit card bills and utility bills on time and regularly.
  • Providing a Source of Income - Ajman Bank as well as other banking institutions in the UAE ask applicants to demonstrate their income source as well. At the time of application, you should demonstrate whichever of the following are applicable -
    • Household income
    • Salary slip
    • Salary certificate
    • Recent bank statements
    • Trust fund payouts or inheritances
    • Investment returns
  • Applying for a Secured Credit Card - Another way to improve your chances of meeting the Ajman Bank credit card eligibility standards is to purchase a secured credit card. It is easy to avail of these credit cards as they have lenient income requirements. With the help of a secured credit card, you can build your credit score which can help you easily get your desired card. 
  • Checking and Amending Mistakes in the Credit Report - At times, a repaid loan or credit card bill can continue to feature on your credit report due to error, which can still end up lowering your credit score. For this reason, it is essential to check your credit report and make the required amends to improve your credit score and further enhance the chances of approval.

FAQs on Ajman Bank Credit Card Eligibility

Do you require proof of income when applying for an Ajman Bank credit card?

Ajman Bank requires you to provide proof of income to confirm your employment status. You may be asked to present recent salary slips or bank statements to substantiate your income.

Who all can apply for an Ajman Bank credit card?

If you are a salaried or self-employed person, you can apply for an Ajman Bank credit card. 

Can you receive the Ajman Bank credit card the same day as applied?

It is not possible to receive the Ajman Bank credit card the same day you apply as the provider would need time to verify the documents, which can extend to a few days. 

What is the minimum salary needed to apply for an Ajman Bank credit card?

The minimum monthly salary required to apply for an Ajman Bank credit card is AED 5,000.

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