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Dubai First Bank Credit Card Eligibility

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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 

3. Dubai First Cashback Credit Card

Features and Benefits

  • 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

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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. 

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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.  

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