How to Get a Credit Card for a Salary Below AED 2500 in UAE?

By Ruchi Gohri
  | Published: 26 October 2021

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People in the UAE use credit cards to manage their finances in the fastest way. Banks and other financial institutions issue credit cards to their customers to help them pay for their goods and services with great ease. And these cardholders pay their dues to the credit card lenders at the end of the billing cycle. 

Most banks in the UAE offer credit cards for applicants with a monthly income of AED 5,000 or more. However, some other banks have this minimum income requirement reduced to AED 3,000, AED 2500 or less. The requirements and eligibility criteria to get a credit card in the UAE vary from bank to bank. 

Let us go ahead and learn about the eligibility criteria and process of applying for a credit card for a minimum salary of AED 2500.

Eligibility Criteria to Get a Credit Card for a Minimum Salary of AED 2500 in UAE

Here is the list of factors you need to qualify to get your credit card application approved.

  • Age -The standard age limit for getting a credit card in the UAE is between 21 to 60 years. Some banks also offer credit cards for applicants more than 18 years old. The age requirements for different credit cards vary for different banks. 
  • Income - Most banks in the UAE offer credit cards for applicants with a minimum monthly income of AED 5,000 or more. However, some banks also offer credit cards with no minimum income requirement.
  • Identity - The applicants need to verify their identity when applying for the best credit card in the UAE. If they are UAE residents, they can show Emirates ID. On the other hand, non-residents can submit their passports or visa to verify their identity.
  • Address - The banks in the UAE ask for the address proof with a credit card application to verify the applicant’s address.
  • Credit History - Banks in the UAE check your credit score before approving your credit card application. The credit score ranges between 300 and 900. Make sure you maintain it around 700 to get a credit card application approved without any hassle.

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Documents Required to Get a Credit Card on Below AED 2500 Salary in UAE

The eligible candidates need to provide the following documents to complete their credit card application. 

  • Emirates ID 
  • Passport with Residency Visa
  • Utility Bills copy for address verification 
  • Last three months bank statement 
  • Trade License for self-employed employees
  • Appointment Letter or Salary Transfer Letter 
  • A working UAE mobile number

How to Apply for a Credit Card on AED 2500 Salary in UAE?

Here are the simple ways to apply for a credit card with a minimum salary of AED 2500.

  • Visit the Website - You can visit the chosen bank’s website and apply for a credit card by filling up the application form. Make sure you upload this form with all the required documents as mentioned by the bank.
  • Visit a Branch - You can also visit your preferred bank’s branch and apply for a credit card by contacting one of the bank’s representatives. You need to fill up the application form at the branch and submit the same with essential documents. 
  • Online Banking - If you are an existing customer, you can also log in to your online banking portal, go to the credit card section and apply for your preferred credit card in just a few clicks. 
  • Mobile Banking - You can also download your bank’s application on your smartphone and register yourself on it. In this mobile app, you can go to the credit card section and apply for the credit card that meets your financial requirements. 
  • Contact Us - Last but not least, you can also visit our website, go to the credit cards section and apply for your preferred credit card in just a few clicks. Make sure you call us if you need further assistance, and our financial experts will help you submit the application without any hassle. 

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Top Credit Cards in UAE for a Minimum Salary of AED 2500

Here is the list of a few banks that offer credit cards with a minimum salary of AED 2500 or less. 

Ajman Bank Credit Card

Founded in 2007, Ajman Bank was the first Islamic bank to be established in the Ajman Emirate. The bank offers a gold credit card with no minimum income transfer requirement for the applicants. This means the applicants with a minimum monthly income of AED 2500 or less can also apply for this credit card. The credit card is sharia-compliant and follows Islamic laws and principles. 

Features & Benefits of Ajman Bank Credit Card

  • Online Banking: Ajman Bank Gold Credit Card members can access their card details and manage their transactions by logging into the online banking portal. They can also use mobile banking services to keep close track of their finances. 
  • Supplementary Credit Cards: Ajman Bank Gold Credit Card offers up to four free supplementary credit cards for the primary cardholders. 
  • Air Miles: Ajman Bank Gold Credit Card enables cardholders to earn easy air miles and then redeem them to avail of services at over 300 airlines and more than 300,000 hotels.
  • Pin & Chip Security: Ajman Bank Gold Credit Card offers a Pin and Chip facility to provide cardholders with additional credit card security when making retail purchases.
  • Credit Shield Cover: Ajman Bank Gold Credit Card offers complimentary Credit Shield Takaful Coverage for the cardholders. They can avail themselves of this service within the first 60 days from the date of card issuance.
  • Globally Accepted: Ajman Bank Gold Credit Card is accepted globally. The cardholders can use this credit card to pay for their expenses at over 22 million locations across the globe.
  • No Interest Rate: Ajman Bank Gold Credit Card follows Islamic principles and charges no interest on the credit card.
  • Cash Withdrawal Facility: Ajman Bank Gold Credit Card allows cardholders to withdraw up to 100 percent of their cash limit if they are running short of funds. 
  • Easy EMI Options: Ajman Bank Gold Credit Card allows cardholders to convert their huge retail purchase transactions into easy monthly installments of up to 6 months. The best part about this service is that the cardholders need not pay any monthly fee for the same. 
  • Online Purchases: With Ajman Bank Gold Credit Card, the cardholders can make 3D secured online purchase transactions for spending worldwide.

Noor Bank Credit Card

Founded in 2008, Noor Bank is a Sharia-compliant bank that follows Islamic banking principles. The bank offers a Wealth Credit Card with an annual fee of AED 1,000 and no minimum income requirement. Applicants with a minimum salary of AED 2500 or less can easily apply for this credit card.

Features & Benefits of Noor Bank Credit Card

  • Interest Rate: Noor Bank Wealth Credit Card charges an interest rate of 3.25 per cent on the credit card.
  • Travel Benefits: Noor Bank Wealth Credit Card offers exclusive travel benefits like airport pick up and drop service, complimentary hotel nights, airport lounge access and much more to the cardholders.
  • Gym Benefits: Noor Bank Wealth Credit Card comes with exciting gym benefits at different locations, including Bodylines Rotana in AI Ain, Talise gym in Dubai and Le Royal Meridian in Abu Dhabi. The cardholders can enjoy these benefits by spending a minimum of AED 5,000 every month. 
  • Golf Benefits: Noor Bank Wealth Credit Card offers complimentary golf benefits at Arabian Ranches, Dubai. They need to spend a minimum of AED 5,000 to avail of this benefit. 
  • Pin and Chip Technology: Noor Bank Wealth Credit Card comes with a Pin and Chip technology to ensure cardholders of the safety and security of all the transactions made using this credit card.
  • SMS Notifications: Noor Bank Wealth Credit Card members get SMS notifications and one-time passwords (OTP) for each transaction made using the credit card. This helps cardholders stay updated about all their purchases.
  • Discount with Cleartrip: Noor Bank Wealth Credit Card offers up to 10 per cent off on international roundtrips booked through Cleartrip. The card members need to enter the code ‘MCWORLD’ to avail of this discount. 
  • Travel Insurance: Noor Bank Wealth Credit Card offers a travel insurance coverage of up to USD 500,000 to help cardholders travel with peace of mind.
  • Online Banking: Noor Bank Wealth Credit Card allows cardholders to access their credit card details by simply logging into their online banking portal. This way, they can easily keep close track of their finances.
  • Valet Parking: Noor Bank Wealth Credit Card members can enjoy four complimentary valet parking services at more than 30 locations across Abu Dhabi and Dubai. The cardholders need to spend a minimum of AED 3,000 every month to avail of this service. 
  • Access to Airport Lounges: Noor Bank Wealth Credit Card members can enjoy unlimited access to more than 900 airport lounges across the globe through the LoungeKey program.

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Arab Bank Credit Card

Established in Amman, the Arab Bank is one of the leading financial institutions in the UAE. Other than Dubai, the bank operates in various locations including London, Geneva, Paris, Singapore, Sydney, Frankfurt and Bahrain. 

The bank offers an Arab Bank MasterCard Titanium Credit Card with a minimum monthly income requirement of AED 1,000. 

Features & Benefits of Arab Bank Credit Card

  • Online Banking: Arab Bank MasterCard Titanium Credit Card enables cardholders to access their credit card details by simply logging into their online banking portal. This way, they can easily keep close track of their finances.
  • Pin and Chip Technology: Arab Bank MasterCard Titanium Credit Card comes with a Pin and Chip technology to ensure cardholders of the safety and security of all the transactions made using this credit card.
  • Interest Rate: Arab Bank MasterCard Titanium Credit Card charges an interest rate of 3.25 percent on the credit card.
  • Annual Membership Fee: Arab Bank MasterCard Titanium Credit Card is free for the first year. However, the cardholders need to pay an annual membership fee of AED 300 from the second year.
  • SMS Notifications: Arab Bank MasterCard Titanium Credit Card members get SMS notifications and one-time passwords (OTP) for each transaction made using the credit card. This helps cardholders stay updated about all their purchases.
  • Foreign Exchange Rate: Arab Bank MasterCard Titanium Credit Card charges a foreign exchange rate of 2 percent on the credit card.
  • Supplementary Cards: Arab Bank MasterCard Titanium Credit Card offers free supplementary credit cards for the family members of the primary cardholder. 
  • Credit Shield Insurance: Arab Bank MasterCard Titanium Credit Card offers complimentary Credit Shield Takaful Coverage for the cardholders. 
  • Balance Transfer: Arab Bank MasterCard Titanium Credit Card allows cardholders to consolidate and transfer their other credit card outstanding balance to Arab Bank credit card for easy repayment in monthly installments.

Conclusion

There are various other banks as well that offer credit cards with no minimum salary transfer requirements. All you need to do is perform a little research and find the best suitable option. You can also call our helpline number to save time and effort. Our experts will take you through all the possible options based on your financial needs and will help you apply for your chosen credit card without any hassle.

Related Links - 

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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.