How to Apply Online for a Credit Card through Savings Account

By Ruchi Gohri
  | Published: 26 October 2021

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Banks in the UAE offer Internet and Mobile Banking services for the account holders to help them get the best out of the banking facilities provided. With these online banking services, the account holders can access their funds, manage their finances and apply for credit cards, loans, mortgages, etc. in just a few clicks.

In this post, we will help you understand how you can apply for a credit card online if you have a savings account with a bank. 

Ways to Apply for a Credit Card Online in Savings Account

Here are a few simple ways of applying for an online credit card when you have a savings account with the bank.

1. Using Internet Banking

Follow these simple steps to apply for a credit card in a savings account using Internet Banking.

  • Log in to Internet Banking: First, you need to log in to your internet banking account to access your savings account details. You need to use your banking ID and password to log in to the online banking portal.
  • Go to Account Services: Next, go to the Account Services section and find an option to apply for a credit card. You may need to provide your details like your date of birth, income, etc. 
  • Apply for a Credit Card: Once done, submit your credit card request application. The bank representative will contact you to verify your details and process your request accordingly.

2. Using a Mobile App

Follow these simple steps to apply for a credit card in a savings account using Mobile Banking.

  • Log in to Mobile Banking App: First, you need to log in to your mobile app using your banking ID and password. This way you can access your savings account details and other banking features. 
  • Go to Account Services: Next, go to the Account Services section and find an option to apply for a credit card. You may need to provide your details like your date of birth, income, etc. 
  • Apply for a Credit Card: Once done, submit your credit card request application. The bank representative will contact you to verify your details and process your request accordingly.

Documents Required to Apply for a Credit Card

Some banks in the UAE ask for additional documents when you apply for a credit card in your savings account. Here is the list of documents you may need to provide. 

  • Emirates ID – A copy with the original document
  • A valid passport with residency visa – A copy with the original document
  • Utility Bills or Emirates ID - For address verification
  • Trade License (for business customers) – A copy with the original document
  • Recent Bank Statement – A copy with the original document
  • Salary Transfer Letter/Offer Letter from the Employer (showing designation and annual income) – A copy with the original document

Conclusion

If you do not have access to the internet, you can also visit the bank’s branch to apply for a credit card included in your savings account benefits. All you need to do is fill up the credit card request form where you need to provide your details like your bank account number, name, address, etc. and submit it to be processed. 

You can contact our support team anytime if you need help. Our financial experts will let you know the benefits of different credit cards and take you through the process of applying for the one that caters to your financial needs.

Ruchi Gohri
Ruchi Gohri0 Post

Senior Content Writer | She has a penchant for writing and with over 5 years of experience, she plays around with words elegantly, crafting simple content for all to read. In her free time, she loves her couch either to read or catch on to her sleep.