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

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Credit cards make for an essential financial tool in today's economy. With a dynamic financial sector, the UAE offers a wide range of credit card options curated according to the requirements and preferences of individuals and businesses. 

With your credit card, you can conveniently make purchases, pay bills, and manage your finances efficiently. These cards also enhance the experience of spending by offering various benefits such as rewards programs and other exclusive privileges. 

To obtain a best credit card in UAE, you would need to meet a few eligibility requirements such as minimum salary criteria. Let’s check if it is possible to get a credit card for a salary below AED 2,500 in the Emirates.

Can You Get a Credit Card with a Salary Below AED 2,500 in the UAE?

Banks and other financial institutions in the UAE do not offer credit cards to individuals possessing a monthly salary below AED 2,500. In order to be eligible for a credit card, they must have a salary of AED 5000 at least. 

In the following section, we have enlisted some of the top credit cards available for those with a salary of AED 5,000 or more.

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Top 5 Credit Cards with a Salary of AED 5000 In the UAE

Check out the top 5 credit cards along with their key features and benefits that you can obtain with a minimum monthly salary of AED 5,000 here - 

Emirates NBD U By Emaar Family Credit Card

  • This Emirates NBD credit card is free for life.
  • You can avail of up to 30% discount on entertainment at the Emaar Entertainment Group, which consists of The Dubai Underwater Zoo, Dubai Ice Rink, and Kidzania.
  • Enjoy the ‘Buy 1 Get 1’ offer on movie tickets at Reel Cinemas.
  • Get 5% Upoints back on spending in Emaar malls, dine, and stay at Emaar Hospitality Group hotels and restaurants.
  • Avail of 10% base Upoints for spending related to government services, telecommunication payments, and fuel.
  • Get 25% base Upoints up on spending in supermarkets and groceries.
  • Receive 5x extra Upoints on any spending in Emaar.

Emirates NBD Lulu 247 Titanium Credit Card

  • Get a welcome offer of 0% interest on balance transfers with zero processing fees.
  • Earn LuLu points on online spending and shopping at LuLu.
  • Avail of complimentary lounge access at over 10 airports regionally.
  • Enjoy Buy 1 Get 1 free movie tickets with Vox Cinemas on spending a minimum of AED 3,000.
  • You can conveniently redeem your LuLu points at more than 70 LuLu stores.
  • Earn 3.5% on LuLu points on spending.
  • Get 2% on fuel spending.
  • Earn 1% on utility bill payments.
  • Get 0.35% points on other spending.   

Emirates Islamic RTA Credit Card

  • You can earn up to 10% cashback on RTA transport payments and fuel spending.
  • Get up to 2.25% cashback on international spending.
  • Earn up to 1.25% cashback on all other spends.
  • Get up to 25% cashback at over 1500 brands at CashBackSouk.ae.
  • With the TAP n PAY feature, you can easily make secure payments with Google Pay, Apple Pay, and Samsung Pay.
  • Receive up to 4 complimentary supplementary cards without any AMF.
  • Get USD 25 credited on food and beverages at over 900 hotels worldwide with Visa Luxury Hotel Collection.

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  • Enjoy up to 2 ‘Buy 1 Get 1’ complimentary Reel movie tickets every month on any day of the week.
  • Avail the benefit of auto top-up of your NOL and Salik.
  • You can carry one single card for NOL and credit transactions.
  • There are no blackout dates for the redemption of cashback.
  • Get benefited from the Purchase Protection feature in case of stolen, lost, or damaged goods.
  • You can use your cashback amount to pay for the outstanding balance.
  • Get access to regular class and regular class fare deductions from NOL Tag ID.
  • You can convert your big ticket transactions into small monthly instalments with Easy Payment Plans.
  • Enjoy the Extended Warranty benefit, which automatically doubles the warranty for an item purchased with your card.
  • You can transfer your other credit card balances to Emirates Islamic and even lower your monthly payments.

Emirates Islamic Flex Platinum Credit Card

  • Receive a welcome bonus of 10,000 EI SmartMiles upon activating your credit card.
  • Get up to 2.25 EI SmartMiles per AED 1 spent.
  • Avail of the ‘Instant Purchase’ feature and redeem your EI SmartMiles against any purchase across the globe at any merchant.
  • Get up to 2 ‘Buy 1 Get 1’ complimentary Reel movie tickets every month on any day of the week.
  • You can easily redeem your EI SmartMiles through the online redemption portal - www.eirewards.ae - or via the EI Rewards mobile application.
  • You can redeem your EI SmartMiles to make retail transactions (both local and international) through the Instant Purchase feature without any blackout dates.
  • Get ‘Purchase Protection’ cover in case of stolen, lost, or damaged goods.  
  • The redemption option includes 180,000 hotels and 300 airlines worldwide and gift vouchers.
  • The Extended Warranty benefit automatically doubles the warranty for an item purchased with a credit card.
  • You have the option to exchange your EI SmartMiles with Emirates Skywards, EtihadgUest, Etisalat Smiles Points, Intermiles, and U By Emaar.
  • Get up to 4 complimentary supplementary cards with no AMF.
  • You can do secure online shopping with the 3D Secure feature.
  • You can transfer your other credit card balances to Emirates Islamic and even lower your monthly payments.
  • Get USD 25 credited on food or beverages at over 900 hotels worldwide with Visa Luxury Hotel Collection.
  • With this credit card, you can convert your big-ticket transactions into small monthly instalments with Easy Payment Plans.
  • Get up to 25% cash back on more than 1500 brands at CashbackSouk.ae. 

Citibank Citi Simplicity Credit Card

  • Get access to select airport lounges across the Middle East with the MasterCard Travel Pass App.
  • Receive complimentary supplementary cards for your family members.
  • Use the PayLite feature and pay in small instalments when you make any big purchases.
  • There are no annual charges, cash advance fees, over-limit fees, or late payment fees.
  • Get Citi World Privileges such as dining, entertainment, and travel discounts locally and across 95 countries.   

What are the Eligibility Criteria for Obtaining a Credit Card in the UAE?

Mentioned below are the eligibility requirements to apply for a credit card at any UAE-based bank -  

  • You must fulfil the minimum age requirements as per your provider. Although some credit card providers may set this limit at 18 years, the standard age requirement as per most banks is 21 years old.
  • You must have a minimum monthly salary of AED 5,000.
  • You must either be a salaried individual or a self-employed individual. 

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Which Documents are Required to Apply for a Credit Card in the Emirates?

You must have the following set of documents with you in order to process your credit card application in the UAE - 

  • Valid copy of Emirates ID
  • Valid copy of passport
  • Latest salary certificate (for salaried employees)
  • Valid trade licence (for self-employed individuals)
  • Previous 3 or 6 months’ bank statements

Note: Other documents may be required as per the requirement of the concerned bank.

Related Links - 

How to Get a Credit Card if you Earn Below AED 3000 How to Get a Credit Card if you Earn Below AED 3500
How to Get a Credit Card if you Earn Below AED 4000  How to Get a Credit Card if you Earn Below AED 4500
How to Get a Credit Card if you Earn Below AED 5000 How to Get a Credit Card if you Earn Below AED 6000

Q1: Does submitting several credit card applications at a time affect your credit score?

Ans: Yes, doing so may decrease your credit score and indicate that you are a risky borrower. 

Q2: How long do financial institutions take to approve a credit card application in the UAE?

Ans: Banks and other financial institutions can take up to 7-10 business days to approve a credit card application. 

Q3: Are individuals with a good credit score and a minimum monthly salary of AED 2500 eligible to get a credit score in the UAE?

Ans: No, in order to apply for a credit card, you must have a salary of at least AED 5,000. 

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