How to Get a Credit Card for a Salary Below AED 3000 in UAE?

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  | Published: 10 August 2021 | Last Updated On: 24 September 2021

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A credit card is one of the most beneficial banking products that allows you to expend as per your preference and pay for the purchase later. The pre-approved limit is like a debt that you can take any time without additional formalities. However, before you can purchase a credit card, you require fulfilling several criteria to be eligible. One of the requirements of credit card companies is the minimum salary. The credit card providers in the UAE do not offer credit cards to employed individuals if their salary is less than AED 5,000. Similarly, if you have a salary of less than AED 3,000, you are not eligible to get a credit card in the UAE. However,

Ways to Get a Credit Card with Minimum Salary 3000 in UAE

So, if you fall within this earning bracket then you can think of resorting to following ways:

Personal Loan

Some banks offer a credit card with a personal loan. One such bank is RAKBANK. When you take a personal loan from RAKBANK, the bank offers you a complimentary credit card with zero annual fees and low interest rates. This would serve two purposes. Firstly, it will allow you to have some extra money through a personal loan. Secondly, you will receive a credit card. However, with a minimum salary of AED 3,000, it might be difficult for you to procure personal from RAKBANK.

Fixed Deposit

Several financial institutions and banks let you apply for a credit card even if you do not meet the minimum salary criterion if you have a fixed deposit with the bank. Using this facility, you can apply for a credit card even with a minimum salary of AED 3,000.

How does it work?

While offering you a credit card, the bank demands a minimum salary requirement to ensure that you can repay the debt later. However, if you do not have a minimum salary, the banks seek financial collateral to ensure that the debt can be repaid. When you open a fixed deposit account with a bank, the bank has a collateral amount to pay your debt in case you are not able to pay them. Therefore, the fixed deposit balance acts as a security deposit that is accessible to the bank. If you are looking to buy a credit card with a minimum salary of AED 3,000, you can explore this option to get a credit card.

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Which Banks are offering the Credit Card on 3000 Salary?

The National Bank of Fujairah (NBF) has created an alternative for credit card buyers to receive an NBF Classic credit card in UAE if they have an NBF Fixed Deposit account.

Features and Benefits of NBF Classic Credit Card

  • 0% Interest Rate of Installment Plans
  • Flexible repayment option
  • Balance transfer facility
  • EZ draft facility
  • Globally accepted
  • Cash Withdrawal facility
  • Direct Debit Facility
  • Foreign Transactions
  • Mobile Banking
  • SMS Alert Service
  • 60% Cashback on movie tickets at Roxy, VOX, and Reel Cinemas

Savings Account

Savings Account is one of the best ways of not only saving your money and earning interest on your savings but also obtaining a credit card with a minimum salary of AED 3,000. Some banks in the UAE allow you to apply for a credit card if you have deposited a collateral amount in the bank. This collateral amount is usually the savings account where you have deposited some amount.

How does it work?

When you open a savings account in a bank, the bank already possesses some security amount on your behalf which it can use in case you are not able to repay your debt. The credit limit on your credit card will be the amount you have in your savings account. Let us say you have a minimum salary of AED 3,000 in the UAE. Every month you saved AED 1,000 to open a savings account. Three months later, your bank account has savings of AED 3,000. Now let us say that after three months you decide to apply for a credit card against your saving account balance. The bank will accept your application and will offer you a credit card with a limit of AED 3,000. In case you fail to pay the debt on your credit card, the bank will use the collateral amount i.e. the savings account balance to make the debt payment.

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Top 10 Credit Cards on Below AED 3000 Salary in UAE

Even though there are some indirect methods of purchasing a credit card with a minimum salary of AED 3,000, you are advised to rather wait for your salary to touch AED 5,000 mark to get the best credit card in UAE easily. It is always better to opt for the easier choice where you can comfortably receive the credit card without any hassle. Once you reach your goal of AED 5,000 salary, you can consider this list of top 10 credit cards with AED 5,000 salary in the UAE:

  • Emirates NBD Lulu Mastercard Titanium Credit Card
  • Emirates NBD U By Emaar Family Credit Card
  • RAKIslamic Gold Credit Card
  • RAKBANK Red Matercard Credit Card
  • DIB Prime Platinum Card
  • Emirates Skywards DIB Platinum Credit Card
  • FAB Standard Credit Card
  • FAB du Titanium Credit Card
  • Citi Simplicity
  • CBD Titanium Mastercard

Emirates NBD Lulu Mastercard Titanium Credit Card

Emirates NBD LuLu Mastercard Titanium Credit Card
Free for Life
  • Minimum Salary AED 5,000
  • Annual Fee Free for Life
  • Free for Life
  • Airport Lounge Access
Reward Value: NA
  • Priority Checkout
  • Early Access to major sales and promotion
  • Free shipping
  • Monthly discounts and exclusive offers
  • Amazon Prime Membership
  • Buy 1 get 1 offer
  • Airport Lounge Access
  • Discounted rides with Careem
  • Udemy Discounts
  • Lingokids
  • Contactless Payment
  • Higher security
  • Globally accepted
  • Quick payments
  • Pay in installments
  • Convenient Utility Bill payments
  • Discount on travel
  • Auto Salik top-up
  • Lulu points
  • Access to Emirates NBD exclusive SkyShop store
  • Free Balance Transfer

Emirates NBD U By Emaar Family Credit Card

Emirates NBD U By Emaar Family Credit Card
Free for Life
  • Minimum Salary AED 5,000
  • Annual Fee Free for Life
  • Free for Life
  • Dining Discounts
  • Movie Tickets
  • Specail Discounts
Reward Value: AED 9,768
  • Free for Life
  • Reward Points on Expense
  • 30% Discount on Emaar Entertainment facilities such as Dubai underwater Zoo, Kidzania, and Dubai Ice Rink
  • Up to 3 free movie tickets in a month
  • Discount on lifestyle hotels
  • Discount on Dining
  • Discount on Emaar Hospitality Venues
  • 0% Installment Plans
  • Purchase Protection
  • Flexi Payment Option
  • High security
  • Extended Warranty
  • Cash Advancement
  • Complimentary Valet Parking
  • Utility Bill Payments
  • 55 interest-free days
  • Free Life Insurance
  • Complimentary Roadside Assistance 24/7
  • Contactless Payments
  • Auto Salik Top-up
  • International Medical and Travel Assistance

RAKIslamic Gold Credit Card

RAKIslamic Gold Credit Card
Free for Life
  • Minimum Salary AED 5,000
  • Annual Fee Free for Life
  • Balance Transfer
  • Free for life
  • Hotel Discount
  • Travel accident & Purchase protection Takaful
Reward Value: NA
  • Reward on spends
  • No Annual Fee
  • Free Supplementary Cards
  • Purchase Protection
  • Exclusive offers on holidays, jewelry, electronics, furnishing, dining, and much more
  • Up to 55 profit-free days
  • Cash Advance up to 80% of your credit limit
  • Minimum Monthly Payment of just 3%
  • Discounts on dining and shopping
  • Exclusive global discounts and privileges on premium brands and hotels
  • 10% off on rentalcars.com
  • Buy one get one offer
  • Up to 60% discount on European Shopping Villages
  • Up to 20% discount on first three rides every month at Uber
  • Up to 30% at over 2,000 restaurants with RAKfoodie

RAKBANK Red Matercard Credit Card

RAKBANK RED Mastercard Credit Card
Free for Life
  • Minimum Salary AED 8,000
  • Annual Fee Free for Life
  • Free for Life
  • Dining Discounts
  • Special Discounts
Reward Value: AED 4,821
  • Up to 1.5% cashback on spends
  • No annual fee
  • Credit Shield
  • 0% Easy Payment Plan
  • Up to 20% discount on first three rides every month at Uber
  • Up to 30% at over 2,000 restaurants with RAKfoodie

DIB Prime Platinum Card

DIB Prime Platinum Credit Card
Free for life
  • Minimum Salary AED 15,000
  • Annual Fee Free for Life
  • Balance Transfer
  • Roadside Assistance
  • Credit Shield Takaful
Reward Value: NA
  • Discount 900 luxury hotels
  • Wala’a Rewards
  • Purchase Protection
  • Travel and Personal Accidental Insurance
  • Roadside Assistance
  • Credit Shield Takaful
  • Card Protection Plus
  • Balance Transfer Facility
  • Cash Withdrawals

Emirates Skywards DIB Platinum Credit Card

Emirates Skywards DIB Platinum Credit Card
Dining offers
  • Minimum Salary AED 5,000
  • Annual Fee AED 525
  • Dining offers
  • Roadside Assistance
  • Golf offers
  • Complimentary Cinema Offers
  • Balance transfer
Reward Value: NA
  • Bonus Skywards Miles
  • Airport Lounge Access Worldwide
  • Discount on dining
  • Balance Transfer Facility
  • Medical and Legal Referral while traveling

FAB Standard Credit Card

FAB Standard Credit Card
Free for Life
  • Minimum Salary AED 5,000
  • Annual Fee AED 0
  • Airport Meet & Greet
  • Special Discounts
  • Airport Meet & Greet
  • Free for Life
Reward Value: AED 758
  • FAB rewards on every spend
  • Instant Redemption
  • Standing Instructions
  • Credit Shield
  • Wallet Shield
  • Up to 25 days of interest free
  • High Credit Limit
  • Up to 10% discount at leading global online stores

FAB du Titanium Credit Card

FAB du Titanium Credit Card
Free for Life
  • Minimum Salary AED 5,000
  • Annual Fee AED 0
  • Airport Lounge Access
  • Free for Life
  • Special Discounts
Reward Value: AED 12,594
  • 10% cashback on du home and postpaid services
  • 10% cashback on prepaid line recharge
  • 10% cashback on your du smartphone Privilege Plan monthly data charges
  • 0% Monthly Installments
  • Up to 10% discount at leading global online stores
  • Mastercard Offers          
  • Complimentary Access to over 10 VIP lounges
  • Contactless Payment

Citibank Citi Simplicity Credit Card

Citibank Citi Simplicity Credit Card

Airport Lounge Access
  • Minimum Salary AED 5,000
  • Annual Fee Free For Life
  • Travel Insurance
  • Airport Lounge Access
  • Purchase Protection & Extended Warranty
  • Dining Benefit
  • Free for life
Reward Value: NA
  • No late fee, over-limit fee or cash advance fee for life
  • Complimentary Supplementary Cards
  • 50% discount on food delivery or dine-in bills at 500+ outlets
  • Easy Installment Plans
  • Cash Loan
  • Citi World Privileges

CBD Titanium Mastercard

CBD Titanium MasterCard Credit Card
Free for Life
  • Minimum Salary AED 10,000
  • Annual Fee Free for Free
  • Free for Life
  • Airport Lounge Access
  • Movie Discounts
Reward Value: AED 5,058
  • Free for Life
  • CBD Reward Points
  • Airport Lounge Access
  • Chip and Pin protection
  • Up to 10% cashback on spends at booking.com
  • 10% discount at rentalcars.com
  • Buy one get one offers at restaurants and hotels
  • Mastercard Benefits
  • 24/7 client support

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Conclusion

No credit card provider offers credit cards at a minimum salary of AED 3,000. However, there are some lateral methods that you can resort to and explore your credit card options. However, you are advised to wait for your salary to be AED 5,000 at least so that you can get a credit card directly and enjoy the true benefits of having one. To find more credit card options, you can visit the credit card section of our website and find exciting offers on credit cards of your liking.

Related Links - 

How to Get a Credit Card if you Earn Below AED 4000 

How to Get a Credit Card if you Earn Below AED 5000