How to Get a Credit Card for a Salary Below AED 3500 in UAE?

When you need additional cash for shopping or paying off utility bills, a credit card comes in incredibly handy since it allows you to get quick credit. You may spend money today and pay it back later using a credit card. Many people in the UAE have switched to credit cards because of the advantages they offer. Many people, however, are unable to fulfill the credit card application's minimal wage criteria. According to bank policy, no credit card issuer would provide a card to an individual earning less than AED 3,500 per month. A minimum salary of AED 5,000 is required to obtain best credit card in UAE. You cannot get a credit card in the UAE if your minimum salary is less than AED 3,500. However, several other options may allow you to get a credit card with an income of less than AED 3,500. 

How to Get a Credit Card in the UAE with Minimum Salary of AED 3500

Getting a Personal Loan 

Many of you are probably asking how a personal loan may assist us in obtaining a credit card with an income of AED 3,500. Let us tell you that when you take out a personal loan in the UAE, certain banks will also provide you with a credit card. RAKBANK, for example, provides a free credit card with no application cost and no annual fee as well as a low-interest rate on RAK personal loans. This enables you to obtain a credit card at no cost while also receiving funds to cover other costs. However, you should consider whether or not taking a personal loan only to obtain a credit card is a financially wise option. You may also find it difficult to obtain a personal loan from RAKBANK with a minimum salary of AED 3,500 due to the minimum wage limit.

Getting Started with a Fixed Deposit Account

A fixed deposit account allows you to earn a high rate of interest on your savings while still allowing you to use a credit card in some situations. If you have created a fixed deposit account with a financial institution or bank in the UAE, you may apply for a credit card regardless of your salary. Even with a minimum salary of AED 3,500, you may apply for a credit card through a fixed deposit account.

What is the Process Behind It?

When you apply for a credit card, the bank will ask for proof of income. This minimum wage is used to determine whether or not you will be able to repay the loan in the future. Banks are hesitant to issue you a credit card if your salary is less than AED 3500. Banks will demand monetary security as financial collateral to guarantee that your loan is repaid in this situation. The money you put into a fixed deposit account is used by the bank as a security deposit to cover your debt if you can't pay it back. With a minimum income of AED 3,500, opening a fixed deposit account is one of the easiest methods to get a credit card.

Which Banks Are Providing This Facility in UAE?

The National Bank of Fujairah (NBF) has created an option for credit card purchasers by allowing you to apply for an NBF Classic credit card in the UAE if you currently have an account or open an NBF Fixed Deposit account.

NBF Classic Credit Card Features and Benefits

• Installment plans have no interest rate
• Flexible repayment options are available
• EZ drafts facility
• Recognized all around the world
• Facility for Cash Advancement
• Facility for Direct Debit
• Foreign Exchange Transactions
• Banking on the go
• SMS Notification Service
• At VOX, Roxy and Reel Cinemas, NBF is offering a 60% cashback on movie tickets.

Savings Account

Savings Accounts are well-known for allowing people to save money while also collecting interest. Furthermore, many people create savings accounts since it allows them to borrow money from their savings account anytime they need it. However, a savings account has a lesser-known purpose: it may be used to obtain a credit card. If you have created a savings account with a few banks in the UAE, you may apply for a credit card with a minimum income of AED 3,500.

Know Your Credit Score

How does it work?

When you create a savings account with a bank, you must make a deposit. As the bank can use the money in your savings account as collateral if you are unable to repay your debt, it gives you a credit card against the balance amount in your savings account. Your credit card's credit limit will be the same as the amount you have in your savings account. Let's assume you make a monthly savings of AED 700 on a minimum income of AED 3,500 in the UAE. You will be able to deposit AED 3,500 in your bank account in five months. You now want to apply for a credit card after five months. Your credit card application will be approved and you will be given a credit card with a limit of AED 3,500 based on the balance in your savings account. If you can't pay off your credit card debt in the future, the bank will take the money in your savings account as collateral to pay off the obligation.

Top 10 Credit Cards on Below AED 3500 Salary in UAE

Although you may obtain a credit card with a minimum salary of AED 3,500 by using the aforementioned indirect techniques, we recommend that you wait until your salary increases to AED 5,000. Once your salary reaches AED 5,000 or more, you will be able to obtain the best credit cards in the UAE without any difficulty. It is usually preferable to choose the simplest option where you can obtain a credit card without difficulty. As soon as your salary reaches AED 5,000, consider the following top 10 credit cards in the UAE:

RAKIslamic Gold Credit Card

Features & Benefits of RAKIslamic Gold Credit Card

• Reward for expenditures
• There is no annual fee
• Supplementary Cards are available for free
• Purchase Protection
• Get exclusive deals on vacations, jewellery, gadgets, furniture, dining, and more
• Up to 55 days of profit-free trading
• You can get a cash advance of up to 80% of your credit limit
• Only a 3% minimum monthly payment is required
• Dining and shopping discounts
• Discounts and benefits on top brands and hotels across the globe
• 10% discount on Rentalcars.com
• Offer: Buy one, get one free
• Up to 60% discount at European Shopping Villages 
• Uber offers a 20% discount on the first three trips of the month
• With RAKfoodie, you can save up to 30% at over 2,000 eateries

Emirates NBD U By Emaar Family Credit Card

Features & Benefits of Emirates NBD U By Emaar Family Credit Card

• Free for lifetime
• 30% off on Emaar Entertainment services such as the Dubai Underwater Zoo, Kidzania and Dubai Ice Rink for a lifetime of free reward points
• In a month, you can get up to three free movie tickets.
• Discounts on lifestyle hotels are available
• Discount on Meals
• Emaar Hospitality Venues have a discount
• 0% Interest Payment Plans
• Flexible Payment Option
• Purchase Protection
• High-level security cards
• Warranty Extension
• Advancement of funds
• Complimentary Utility Bill Payments 
• Free Valet Parking
• 55 days of interest-free credit
• Life insurance is provided at no cost
• Complimentary Roadside Assistance 
• Contactless Payments are available 24 hours a day, 7 days a week
• Auto Salik Top up
• International Medical and Travel Insurance

Emirates NBD Lulu Mastercard Titanium Credit Card

Features & Benefits of Emirates NBD LuLu Mastercard Titanium Credit Card

• Priority checkout
• Early access to major deals and promotions is available to you.
• Shipping is free on a minimum spend of AED 300.
• Discounts and exclusive offers every month
• Amazon Prime membership for a year
• Buy one Get one free offer on movie tickets
• Accepted worldwide
• Payments made quickly
• Installment payments are available
• Convenient utility bills payment
• Auto Salik top-up Lulu points discount on the journey
• Access to the Emirates NBD SkyShop, which is only available to Emirates NBD customers.
• Transfer your balance for free.
• Access to the Airport Lounges
• Discounted courses on Udemy and Lingokids
• Contactless Payment options
• Enhanced security

RAKBANK RED Mastercard Credit Card

Features & Benefits of RAKBANK Red Mastercard Credit Card

• Cashback of up to 1.5 percent on purchases
• There is no yearly charge
• Credit Shield facility
• 0% Interest Payment Plan
• Uber offers a 20% discount on the first three trips of the month
• With RAKfoodie, you can save up to 30% at over 2,000 eateries

DIB Prime Platinum Credit Card

Features & Benefits of DIB Prime Platinum Card 

• Discount at over 900 premium hotels 
• Purchase Protection with Wala'a Rewards
• Personal Accident and Travel Insurance
• Assistance on the Road
• Card Security Bonus
• Money Withdrawals
• Cash Transfer facility

Emirates Skywards DIB Platinum Credit Card

Features & Benefits of Emirates Skywards DIB Platinum Credit Card

• Skywards Miles Bonus
• Access to Airport Lounges Around the World
• Discount on meals
• Facility for Balance Transfer
• While travelling, you can get medical and legal advice.

FAB Standard Credit Card

Features & Benefits of FAB Standard Credit Card

• Every purchase earns you FAB points.
• Standing Instructions
• Quick Redemption
• Payment Shield
• Huge Credit Capacity
• Leading international online retailers are offering up to a 10% discount

FAB du Titanium Credit Card

Features & Benefits of FAB du Titanium Credit Card

• Du home and postpaid services are eligible for a 10% cashback.
• Recharge a prepaid line and get a 10% rebate.
• 10% discount on monthly data expenses on your du smartphone privilege plan
• 0% Interest on Month-to-Month Instalments
• Leading international online retailers are offering up to a 10% discount.
• Mastercard Provides Complimentary Services at over ten VIP lounges 
• Contactless Payment 

Citibank Citi Simplicity Credit Card

Features & Benefits of Citi Simplicity Credit Card

• For the rest of your life, there will be no late fees, over-limit fees, or cash advance fees.
• Supplementary Cards are provided free of charge.
• At 500+ locations, you may get a 50% discount on food delivery or dine-in orders.
• Simple Payment Plans
• Cash Advance facility
• Citi World Privileges are a set of benefits available to citizens throughout the world.

CBD Titanium MasterCard Credit Card

Features & Benefits of CBD Titanium Mastercard Credit Card

• Airport Lounge Access 
• Chip and Pin protection 
• Free for Life
• CBD Points
• Booking.com offers up to a 10% reward on purchases.
• Rentalcars.com offers a 10% discount.
• At restaurants and motels, buy one get one free deal are available
• Benefits of Mastercard
• Customer service is available all the time

Credit card companies in the UAE do not provide credit cards to those with a minimum salary of AED 3,500, but you may get one through a lateral method. However, you should wait until your salary reaches AED 5,000 before applying for a credit card and making use of its full perks. You can find additional credit card alternatives by visiting our credit card section, where you can find interesting deals and offers on various credit cards.

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