What Does a 735 Credit Score Mean?

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Analysing your credit score is essential when applying for credit products in the UAE. Banks and finance houses review these credit scores before approving applications, so knowing your score can help you navigate the lending landscape effectively. 

If you have a score of 735, this shows that you are a reliable borrower and pave your way for better credit opportunities. While it's a good score, striving for improvement can lead to even better options and terms. Continue reading the article to learn more about credit score 730 meaning and what you will get out of it.

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Is 735 a Good Credit Score?

A 735 credit score falls within the “Very Good” range, according to the most scoring model. This range typically spans from 711 to 745, and a score of 735 is near the upper end. With this AECB credit score, you can show the lenders that you have a responsible credit behaviour and make your payments on time. 

Having a credit score of 735 indicates responsible credit behaviour and are frequently considered low-risk borrowers by lenders. You are therefore more likely to get approved for credit cards, loans, and other financial items. Also, this credit score in UAE can help you secure favourable interest rates. 

What Can You Get with a 735 Credit Score?

A 735 credit score opens up a range of financial opportunities, often accompanied by favourable terms. While this score is strong, moving into the Excellent category (750+) can provide access to even more competitive rates and premium products.

Here’s what you can typically qualify for with a 735 credit score —

Credit Cards

Many banks offer credit cards with attractive rewards programs—like cashback and travel points—to individuals with a 735 credit score.

Credit Cards Minimum Income (AED) Annual Fees (AED)
CBD Yes Rewards Credit Card 5,000 Free for 1st year
Commercial Bank of Dubai Super Saver 5,000 Free for 1st year
Deem Titanium Mastercard 5,000 Free for 1st year
Citibank Citi Rewards 8,000 Free for 1st year
Citibank Citi Ready Credit 8,000 Free for 1st year
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Personal Loans

With this AECB credit score, you can easily get approvals for loans. However, improving your score further could help you secure even better interest rates.

Personal Loan Minimum Income (AED) Fixed Return (p.a.)  Reducing Rate (p.a.)
NBQ Loans for Expatriates 10,000 5.55% - 5.65% N/A
Commercial Bank of Dubai Quick Loan 8,000 Starting from 7.60% Starting from 14%
HSBC Loan - Salary Transfer 7,500 N/A 6.99%
NBQ Loans for UAE Nationals 7,000 4.55% - 4.65% N/A
Deem Finance Loan 5,000 N/A 15.99% - 34.99%
Apply Now

Car Loans 

Auto loans with decent terms are generally accessible for a 735 credit score. Here are the top options that you can choose from —

Car Loan Fixed Rate (p.a.) Reducing Rate (p.a.) Minimum Salary  (per month)
HSBC Car Loan N/A N/A AED 10,000
First Abu Dhabi Bank Islamic Car Finance (UAE Nationals) 3.19%  5.98% AED 7,000 
First Abu Dhabi Bank Islamic Car Finance (Expatriates) 3.24%  6.07% AED 7,000 
Emirates NBD Auto Loans 1.99% N/A AED 5,000 
Abu Dhabi Islamic Bank Car Finance N/A N/A AED 5,000 
Apply Now

Ways to Improve Your 735 Credit Score 

While a 735 credit score is a solid starting point, there's always room for improvement. 

Elevating your score from Very Good to Excellent can unlock even more financial opportunities, such as lower interest rates and enhanced credit card rewards. 

Here are some strategies to consider —

  1. Pay Off Your Debts: Reducing your overall debt can help improve your debt-to-income ratio, which is another important factor that lenders consider.
  2. Monitor Your Credit Report: Regularly checking your credit report can help you catch inaccuracies or signs of potential fraud early. Reporting these issues to the credit bureau can positively impact your score.
  3. Pay On Time: Your payment history is an important aspect of determining your credit score. It’s better to pay your credit card balances and loan payments on schedule and in full whenever possible.
  4. Lower Your Credit Utilisation Ratio: Aim to keep your credit utilisation ratio at about 30% or lower. This shows lenders that you don't heavily rely on credit.
  5. Consider Credit Improvement Tools: Enrolling in services can help you monitor your score for free without impacting it. You may also find useful features to help you improve your score.

To know more such facts, read our detailed article on how to increase your credit score.

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How to Check Your Credit Score Online for Free?

If you're looking to check your credit score, you can do so for free through Policybazaar.ae. 

Simply fill out the lead form in the credit score section with the necessary details to check your score. 

Once submitted, you can check the relevant quotes with your credit score, which is sourced directly from the AECB.

FAQ's About 735 Credit Score

Q1: What can you do with a credit score of 735?

Ans: With a 735 score, you can secure personal loans, access rewards credit cards, and qualify for competitive mortgage rates.

Q2: How to get a credit score from 735 to 800?

Ans: To boost your score, pay bills on time, reduce credit utilisation, avoid new hard inquiries, maintain old accounts, and diversify your credit types.

Q3:

Ans: Yes, you can get a personal loan with a 735 credit score. Most lenders will view your score positively and offer reasonable interest rates and terms. Be sure to shop around for the best options.

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