How to Get a Credit Card in UAE on AED 4000 Salary ?

Compare & Apply for Credit Cards
  • Airport Lounge
  • Shopping Benefits
  • Fuel benefits
  • Movie Discounts

4.6/5

18,000+

google-logoReviews

Best credit cards with 0 Annual fee*

next-icon

Best credit cards with 0 Annual fee*

  • Dubai
  • Abu Dhabi
  • Sharjah
  • Ras Al Khaimah
  • Ajman
  • Other
  • Cashback up to AED 2,000
  • Rewards + Welcome Offers
  • No Annual Fee
  • Travel benefits
  • Dining Discounts
  • Entertainment Benefits

Credit cards not only help us access funds in emergencies and other purchases but offer a wide range of benefits! From discounts and cashback to free airport lounge access, these cards certainly make for a great financial instrument. 

In the UAE, you can find various banks offering multiple credit cards tailored to the specific needs of individuals. However, you must also comply with the required eligibility criteria before applying for one. Your monthly salary is an important requirement that banks majorly consider. In this article, we will discuss credit cards in the UAE on an AED 4,000 salary and understand other requirements as well.

 

Cashback Back & Free Airport Lounge Access - Policybazaar uae

Can You Get a Credit Card in UAE on AED 4,000 Salary or Below?

In the UAE, you must have a monthly salary of at least AED 5,000 to be eligible for a uae credit card.

So if you are seeking a credit card in UAE on 4000 salary, you must know that you won’t get any option. However, once you reach the AED 5,000 mark, you can find plenty of options for your requirements.

 

Top 5 Credit Cards with a Salary of AED 5,000 in the UAE

Although you cannot get an AED 4000 salary credit card, you can get various options with an AED 5,000 salary.  Refer to the top credit cards in the UAE for those with a monthly salary of AED 5,000 and more —

 

Commercial Bank of Dubai Visa Platinum Card

 

Commercial Bank of Dubai Visa Platinum Card
Commercial Bank of Dubai Visa Platinum Card

Commercial Bank of DubaiCommercial Bank of Dubai Visa Platinum Card

Commercial Bank of DubaiCommercial Bank of Dubai Visa Platinum Card

Minimum Salary (AED)5,000
Annual Fee (AED)Free for Life
feature-iconFeatures
  • Free for Life
  • Lifestyle Benefits
  • Movie Discounts
  • Dining Discounts
  • Travel Benefits

 

Features & Benefits of Commercial Bank of Dubai Visa Platinum Card

  • Enjoy 0% interest on balance transfers and cash on call with 6 and 12-month plans within 30 days of card issuance (welcome offer)
  • Lifetime free credit card
  • Earn CBD reward points — up to 1.5 points per AED spent
  • Enjoy discounts with Booking.com and Agoda.com
  • Get 2-for-1 offers with the ENTERTAINER app powered by Visa
  • Get a 50% discount with Novo Cinemas

First Abu Dhabi Bank Cashback Card

 

FAB Cashback Card
FAB Cashback Card

First Abu Dhabi BankFirst Abu Dhabi Bank Cashback Card

First Abu Dhabi BankFirst Abu Dhabi Bank Cashback Card

Minimum Salary (AED)5,000
Annual Fee (AED)315
feature-iconFeatures
  • Cashback
  • Lifestyle Benefits
  • Airport Lounge Access
  • Protection Benefits

 

Features & Benefits of First Abu Dhabi Bank Cashback Card

  • Monthly cashback of up to AED 600 based on the purchases made
  • Cashback rewarded on supermarket, dining, school fees, international spending, and more
  • Access to 10+ airport lounges across the UAE, Jordan, Egypt, Kuwait, and the KSA
  • Movie tickets from AED 15
  • 20% discount on car rental with Avis
  • Discounts on Talabat food and grocery delivery
  • Availability of Wallet Shield and Credit Shield feature
  • Up to 10% cashback on hotel bookings
  • 15% discount on hotel rooms with IHG Hotels & Resorts

 

discount offers - Policybazaar uae

 

Abu Dhabi Commercial Bank Talabat ADCB Credit Card

 

ADCB talabat ADCB Credit Card
ADCB talabat ADCB Credit Card

Abu Dhabi Commercial BankAbu Dhabi Commercial Bank talabat ADCB Credit Card

Abu Dhabi Commercial BankAbu Dhabi Commercial Bank talabat ADCB Credit Card

Minimum Salary (AED)5,000
Annual Fee (AED)Free for Life
feature-iconFeatures
  • Free for Life
  • AED 500 Welcome Bonus
  • Talabat credit on spends
  • Unlimited free delivery on talabat
  • Personalized card design
  • Airport Lounge Access

 

Features & Benefits of Abu Dhabi Commercial Bank Talabat ADCB Credit Cards

  • No annual charges
  • AED 500 welcome bonus on spending AED 2,500 within 45 days
  • Travel benefits like free airport lounge access, discounts with Booking.com, Cleartrip, and so on
  • Features include Credit Shield, balance transfer, credit card loan, FlexiPay, and more
  • Exclusive Talabat rewards, including free delivery on Talabat Pro and cashback
Read More About : Best Credit Card in UAE

Emirates NBD Mastercard Titanium Credit Card

 

Emirates NBD Mastercard Titanium Credit Card
Emirates NBD Mastercard Titanium Credit Card

Emirates NBDEmirates NBD Mastercard Titanium Credit Card

Emirates NBDEmirates NBD Mastercard Titanium Credit Card

Minimum Salary (AED)5,000
Annual Fee (AED)Free for Life
feature-iconFeatures
  • Free for Life
  • Lifestyle Benefits
  • Airport Lounge Access
  • Golf Benefits
  • Travel Benefits

 

Features & Benefits of Emirates NBD Mastercard Titanium Credit Card

  • Lifetime free credit card
  • Complimentary lounge access at 10+ VIP airport lounges
  • 'Buy 1 Get 1' offers across Africa and the Middle East
  • Earn points on groceries, insurance, utilities, fuel, education, supermarkets, and more
  • Up to 40% discount at 100+ global golf courses
  • Up to 1 Plus point per AED 100 spend
  • Up to AED 60,000 job loss cover for a year

Emirates Islamic RTA Card

 

Emirates Islamic RTA Card
Emirates Islamic RTA Card

Emirates IslamicEmirates Islamic RTA Card

Emirates IslamicEmirates Islamic RTA Card

Minimum Salary (AED)5,000
Annual Fee (AED)No annual fee
feature-iconFeatures
  • Cashback
  • Nol Card
  • RTA Transport Payments
  • Fuel Spends

 

Features & Benefits of Emirates Islamic RTA Card

  • Enjoy up to 10% cashback on fuel and RTA transport payments
  • Get up to 2.25% cashback on international spending
  • Up to 1.25% cashback on shopping
  • Up to 2 free 'Buy 1 Get 1' offers monthly on Reel movie tickets
  • USD 25 discount on food or beverages at 900+ hotels globally with Visa Luxury Hotel Collection
  • Up to 4 supplementary credit cards with no AMF — available for free
  • Features include TAP n PAY, auto top-up of NOL and Salik, purchase protection, extended warranty, and more

Eligibility Criteria for Obtaining a Credit Card in the UAE

As mentioned earlier, a credit card for 4,000 AED salary is not available in the UAE. However, even if your salary is AED 5,000 or more, you must still adhere to other credit card eligibility. Here are the common eligibility requirements — 

Eligibility Criteria Requirements
Age Your age must be at least 21 years
Salary Your salary must be at least AED 5,000 per month
Employment Status You can be either a salaried or a self-employed individual

Credit Score - Policybazaar uae

Documents Required to Apply for a Credit Card

While you cannot get a credit card for 4000 salary, you can easily apply for one if your monthly salary is AED 5,000 or more. 

If you meet this requirement, keep the following documents ready for swift card application —

  • Original and a copy of Emirates ID
  • Original and a copy of Passport
  • Salary certificate (for salaried individuals)
  • Trade Licence (for self-employed individuals)
  • Security Cheque
  • Recent 3 months’ original bank statements

Note: This is a general list of common documents — actual requirements may be different for each bank. Make sure to confirm the set of documents required for the card application processing with your respective bank.  

 

Related Links -

How to Get a Credit Card if you Earn Below AED 2500 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 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

FAQs About Credit card in uae on 4000 salary

Q1. Can I get a credit card in the UAE on an AED 4,000 salary if I have a good credit score?

Ans: No, it is mandatory to have a minimum monthly salary of AED 5,000 to get a credit card in the UAE.

Q2. Which banks offer credit cards with AED 5,000 salary?

Ans: Some of the top banks are —

  • Commercial Bank of Dubai
  • Emirates NBD
  • First Abu Dhabi Bank
  • Emirates Islamic Bank and more
Q3. Are there any credit cards available with zero annual charges?

Ans: Yes, you can find a plethora of cards with no annual fees — ADCB Talabat credit card, Emirates NBD Mastercard Titanium credit card, and more.

 

 

Looking for Specific ?
Filters
Salary range
5,000 AED50,000+ AED
Credit card Banner
Explore Other Most Popular Credit Card in UAE

More From Credit Cards