Dubai First bank offers plenty of banking solutions to its customers. The bank provides credit cards across three categories that can suit the requirements of users across different segments. However, in order to avail of them, applicants must meet certain eligibility criteria.
Dubai First Credit Card Eligibility in UAE
Irrespective of the type of credit card, Dubai First credit card applicants must meet the following eligibility criteria –
The applicant must be a UAE national or UAE ex-pat
The applicant must fulfil the minimum salary requirement of the respective Dubai First credit card
The applicant must possess a good credit score
Features and Benefits of Top Dubai First Credit Card
Discussed below are the features and benefits of the Dubai First credit cards as well as the Dubai First credit card eligibility criteria in the form of annual fees –
1. Dubai First Low-Rate Credit Card
Features and Benefits
Low interest rate of 1.99% charged on a monthly basis
The annual membership fee for this credit card is only AED 300
The annual membership fee is waived if you make total transactions worth AED 24,000 within a year
2. Dubai First Low-Rate Credit Card for UAE Nationals
Features and Benefits
This exclusive credit card for UAE nationals has an interest rate of 1.5% per month
The bank charges a fee of AED 300 for the annual membership of the card
This annual membership fee is waived if your total credit card spending crosses AED 24,000 within 12 months
0% interest charged on Easy Purchase Plans and Loan-on-Phone facilities
Get flat 6% cashback on supermarket spending
Avail of 3% cashback on online purchases
Get 1% cashback on other purchases
Documents Required to Apply for Dubai First Credit Card
Applicants can keep the following documents to apply for a Dubai First credit card –
Original and a copy of passport with residence visa
Original and a copy of Emirates ID for identity verification
Original and a copy of bank statement with a salary credit transaction (previous 3 months)
Valid address proof, such as a utility bill or Emirates ID
Original and a copy of trade licence (for self-employed individuals)
Original and a copy of salary transfer letter (for salaried individuals)
Factors Affecting Dubai First Credit Card Eligibility
The given points can influence the eligibility for all types of Dubai First credit cards –
Credit Score: Your credit score can have a considerable impact on your Dubai First credit card eligibility. While analysing your application for Dubai First credit cards, most financial institutions check your credit score and credit history to examine your profile as a potential borrower. With low credit scores indicating low creditworthiness, you can find it difficult to receive approval with such a credit score. Maintaining a punctual record of debt and bill repayment are some steps you can follow to enhance your credit score, which can improve your chances of clearing the Dubai First credit card eligibility criteria.
Credit Settlement: Credit settlement history, which is also considered for your credit score, is also checked by banks before deciding on your credit card application. For this reason, it is always advisable to avoid paying off bills in slots and to pay off the complete amount within the due date. The same applies to debt management also, as you should be able to demonstrate apt management of all debts and their repayments.
Simple Ways to Improve Dubai First Credit Card Eligibility
As mentioned earlier, a credit score is one of the primary factors for credit card eligibility. Here are a few methods to maintain a good credit score and improve the chances of your eligibility for Dubai First credit cards –
Timely Payments: One of the easiest ways to enhance your credit score is to pay off bills and debts promptly. Besides the AECB, which calculates credit scores, even banks assess your bill payment history for the previous years to check whether you can be trusted with any loan or credit.
Minimal Credit Applications and Inquiries: Making multiple queries regarding credit cards can result in a decrease in your credit score. Thus, you should avoid connecting with bank representatives frequently regarding credit card applications as well as your credit card-related doubts, as you can instead take help from online sources. Additionally, it is highly recommended not to submit numerous credit card applications within a short span.
Apart from enhancing your credit score, you must also state your source of income correctly to showcase that you have a stable income. This can assure the bank that you have sufficient income (and sources) to have sufficient funds over time to repay the credit card dues.
FAQs
What are the documents required for a self-employed individual to apply for a Dubai First credit card?
A self-employed applicant can present the following documents to apply for a Dubai First credit card –
Passport with residence visa (original and a copy)
Emirates ID for identity verification (original and a copy)
Bank statement with a salary credit transaction for the previous 3 months (original and a copy)
Valid address proof, such as a utility bill or Emirates ID
Trade licence (original and a copy)
How to improve a credit score in order to increase the Dubai First credit card eligibility criteria?
You can enhance your credit score by paying all your bills and debts on time, making minimal inquiries about credit cards with bank representatives, avoiding checking your credit score frequently, and more.
Do irregularities in bill payments affect the eligibility for a Dubai First credit card?
Yes, bill payments (timely or untimely) play an important role with respect to Dubai First credit card eligibility. If you generally don’t make your payments on time, your credit score goes down while the concerned bank also perceives you as a potential defaulter. Consequently, a history of irregular bill payments can negatively affect your credit card eligibility.
Ajman Bank Credit Card Application Status - If you want to check your Ajman credit card application status in UAE. Here we discussed how can you check your Ajman credit card status online & offline.
Sharjah Islamic Bank Credit Card Application Status - If you want to check your Sharjah Islamic Bank application status in UAE. Here we discussed how can you check your Ajman credit card status online & offline.
Dubai Islamic Bank Credit Card Application Status - If you want to check your Dubai Islamic credit card application status in UAE. Here we discussed how can you check your DIB credit card status online & offline.
ADIB Credit Card Application Status - If you want to check your ADIB credit card application status in UAE. Here we discussed how can you check your ADIB credit card status online & offline.
Mashreq Credit Card Login - Know how to Register for Mashreq Credit Card net banking. Check credit card statements, pay dues,& more. And also, know how to change the password of a credit card through net banking.
Sharjah Islamic Bank Credit Card Payment in UAE - Get the full process of Sharjah Islamic Bank Credit Card bill payment through online & offline in UAE. Also know how to pay Sharjah Islamic Bank Credit Card bills from other Bank Credit Cards.
Dubai Islamic Bank Credit Card Login - Know how to Register for Dubai Islamic Bank net banking. Check credit card statements, paying dues,& more. And also, know how to change the password of credit card through net banking.
Credit Card Login - Know how to Register for Credit Card net banking in UAE. Check credit card statements, paying dues,& more. And also, know how to change the password of credit card through net banking.
Standard Chartered Credit Card Customer Care - Check 24*7 Standard Chartered Credit Card Customer Care Numbers, Email ID, & Addresses throughout UAE to Book a complaint & raise issues related to the Standard Chartered Credit Card.
Best Platinum Islamic Credit Card in UAE - Check Out top 10 platinum islamic credit cards with features & Benefits in UAE like RAKislamic Platinum Credit Card, DIB Prime Platinum Card, & More.
Manage Credit & Debit Cards in Samsung Pay - Get the complete info Samsung pay account like benefits, how to set up Samsung pay account and more. And Also, Know know how you can manage credit cards & debit cards in your Samsung pay account.
Tips for Booking a Hotel Without a Credit Card - If you want to book a hotel in UAE without a credit card, here we are providing the best tips for booking a hotel with different payment methods.
Things to remember when paying for a hotel room - Before paying the bill for a Hotel room, Always remember these things - Be Aware of All the Hotel-related Charges, Learn About the Hotel’s Cancellation Policy, and Go Through the Checkout Documents Precisely & More.
Best Hotel Credit Cards in UAE - Check out the best hotel credit card of February 2023 with features & benefits in UAE. Also, know which bank is offering hotel discounts on the credit card in UAE.
Dubai First Bank Credit Card Application Status - If you want to check your Dubai first credit card application status in UAE. Here we discussed how can you check dubai first credit card status online & offline.
Dubai First Bank Credit Card Statement - Know How to get Dubai First Bank Credit Card Statement Online & Offline in UAE. Check how to read and understand the credit card statement & read FAQs.