How to Get a Credit Card for a Salary Below AED 3500 in UAE?
With a wide range of offerings from multiple financial institutions in the UAE, credit cards have certainly become a handy financial tool for UAE residents - nationals and expatriates alike. From exclusive rewards and cashback programs to flexible payment options, credit cards have greatly contributed to making the experience of buying easier and more rewarding for users.
In order to obtain these cards, one must meet the eligibility criteria as stated by the respective bank. One such important criterion regarding the same is salary requirement. In this article, we will discuss whether you can get a credit card for a salary below AED 3,500 in the UAE.
How to Get a Credit Card for a Salary Below AED 3500 In UAE?
It is not possible to apply for a credit card in the UAE with a salary below AED 3,500 in the UAE. To obtain a credit card, you must necessarily have a salary of at least AED 5,000. None of the financial institutions offers you a credit card below the mentioned salary requirement, even if you meet other eligibility criteria.
With that clear, let’s go through the list of the top 5 credit cards that are offered by UAE-based banks and require a minimum monthly salary of AED 5,000.
Top 5 Credit Cards in the UAE
Check out the top 5 credit cards in the UAE for the specified salary requirement with their key features and benefits below -
Features & Benefits of Emirates NBD U By Emaar Family Credit Card
This credit card is free for life - you won’t have to pay an annual fee.
You can enjoy up to 30% discount on entertainment at the Emaar Entertainment Group, which includes The Dubai Underwater Zoo, Dubai Ice Rink, and Kidzania.
Get 25% base Upoints on spending in supermarkets and groceries.
Earn 5x extra Upoints on any spending in Emaar.
Avail of the ‘Buy 1 Get 1’ offer on movie tickets at Reel Cinemas.
Earn 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.
Features & Benefits of 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 for spending related to more than 1,500 brands at CashBackSouk.ae.
With the TAP n PAY feature, you can easily make secure payments with Google Pay, Apple Pay, and Samsung Pay.
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 major 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.
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.
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. Additionally, you can transfer your other credit card balances to Emirates Islamic and even lower your monthly payments.
Features & Benefits of Emirates Islamic Flex Platinum Credit Card
Get a welcome bonus of 10,000 EI SmartMiles when you activate your credit card.
Earn 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.
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 without any AMF.
You can enjoy secure online shopping with the 3D Secure feature.
You can easily 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 1,500 brands at CashbackSouk.ae. You can easily redeem your EI SmartMiles through the online redemption portal - www.eirewards.ae - or make use of the EI Rewards mobile application for the same.
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 options available for redemption include 180,000 hotels and 300 airlines worldwide and gift vouchers.
Eligibility Criteria for a Credit Card in the Emirates
While the eligibility criteria to obtain a credit card varies from one bank to another, there are certain general requirements that you must fulfil to get a credit card -
You must meet the minimum age limit as per your provider. While a few 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 monthly salary of at least AED 5,000.
You must either be a salaried individual or a self-employed individual.
Which Documents are Required to Apply for a Credit Card in the UAE?
Banks require you to submit certain documents for the purpose of verification of personal identity, salary, and more -
Q1. How much credit limit is offered by banks in the UAE?
Ans: The credit limit depends on your salary and other factors such as your credit score, existing loans, and more.
Q2. Is it possible to exceed the credit limit of an existing credit card?
Ans: While you can exceed the credit limit of your credit card, make sure to keep in mind that this can result in over-limit fees, impact on your credit score, and more.
Q3. What is the usual processing fee for a credit card balance transfer in the Emirates?
Ans: The processing fee of a credit card balance transfer in the UAE generally ranges between 1% to 3% of the transferred outstanding amount.
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