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

Credit cards, when used responsibly, offer convenience of transactions, security, and a range of other benefits. Instead of carrying cash, you can use these cards to easily make purchases, whether in-store or online.

 

Credit cards also offer coverage against fraudulent transactions and can act as a safety net in emergencies or unexpected expenses. Additionally, they provide an opportunity to build a credit history, which can be beneficial for future financial endeavours. However, a common question arises: Can you get a credit card in UAE on 4000 salary? 

 

In this article, we will check if there is any availability of a credit card minimum salary 4000 AED in the UAE.

 

 

Can You Get a Credit Card in UAE on 4000 Salary? 

Banks and other lending institutions in the UAE do not offer a credit card for 4000 salary or below. In order to be eligible for a uae credit card, you must have a monthly salary of AED 5,000 or more.

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

 

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

 

While you cannot get a credit card for 4000 AED salary, you can find many options once your monthly salary is AED 5,000 or more. Mentioned below are the top 5 credit cards available with a monthly salary of AED 5,000 along with their features and benefits —

 

Emirates NBD Lulu 247 Titanium Credit Card

 

 

Features & Benefits of Emirates NBD Lulu 247 Titanium Credit Card

• Welcome offer — 0% interest on balance transfers with no processing charges
• Earn LuLu points on spends in the following format —
  • 3.5% on LuLu in-store and online purchases
  • 2% on fuel
  • 1% on utility bill payments
  • 0.35% on other purchases
• Free access to over 10 regional airport lounges
• ‘Buy 1 Get 1 Free’ offer on movie tickets at Vox Cinemas (eligible only after a minimum spend of AED 3,000)
• Exclusive member benefits at LuLu — priority checkout, free shipping on purchases made at LuLu online, early access to sales and promotions, and more

 

 

Emirates NBD U By Emaar Family Credit Card

 

 

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

• Minimum monthly salary required — AED 5,000
• Free-for-life credit card
• Earn Upoints on daily expenses —
  • 1% on all spends
  • Up to 5 times extra on expenses in Emaar
  • 25% base Upoints for expenses on groceries and supermarkets
  • 10% base Upoints for expenses on fuel, government facilities, and telecommunication payments
• Up to 30% discount on entertainment at the Emaar Entertainment Group including The Dubai Underwater Zoo, Dubai Ice Rink, and Kidzania
• Enjoy ‘Buy 1 Get 1 Free’ offers on Reel Cinemas movie tickets 
• Earn 5% Upoints on spending at Emaar malls or when you dine or stay at Emaar Hospitality Group hotels and restaurants

 

Citibank Citi Simplicity Credit Card

 

Features & Benefits of Citibank Citi Simplicity Credit Card

• Minimum monthly salary required — AED 5,000
• Free-for-life credit card
• Easy access to select airport lounges across the Middle East with the MasterCard Travel Pass application
• Citi World Privileges – Get discounts on travel, entertainment, and dining domestically and internationally in 95 nations
• No annual fee, cash advance fee, late payment fee, or over-limit fee 
• Free supplementary cards for family members 
• Purchase Protection and extended warranty

 

 

Emirates Islamic RTA Credit Card

 

 

Features & Benefits of Emirates Islamic RTA Credit Card

 

• Minimum monthly salary required — AED 5,000
• No annual fees 
• Get up to 10% cashback on RTA transportation or fuel transactions
• Earn up to 2.25% cashback on international expenses
• Up to 1.25% cashback on other expenses
• Up to 25% cashback on more than 1,500 brands at Cashbacksouk.ae
• Avail of USD 25 on food and beverages at more than 900 hotels across the world with Visa Luxury Hotel Collection
• Conveniently make payments using Apple Pay, Google Pay, and Samsung Pay
• Get up to 4 complimentary supplementary cards
• Enjoy benefits such as —
  • Automatic top-up in your Salik and NoL account
  • Carry a single card for NoL and credit transactions
  • Blackout dates for redeeming cashback — none 
  • Get Purchase Protection for lost or damaged purchased goods
  • Option to use the cashback amount for paying the remaining balance
  • Access to standard class fare reduction from NoL Tag ID
  • Secured online shopping with the 3D Secure feature
  • Option to convert major transactions into small monthly instalments with Easy Payment Plans

 

Read More About : Best Credit Card in UAE

 

Emirates Islamic Flex Platinum Credit Card

 

 

Features & Benefits of Emirates Islamic Flex Platinum Credit Card

• Earn a Welcome Bonus of 10,000 Emirates Islamic SmartMiles
• Use the Instant Purchase feature to redeem the SmartMiles at any merchant across the world
• Get up to 2.25 EI SmartMiles for every AED 1 spent
• Up to 2 ‘Buy 1 Get 1 Free’ offers on Reel Cinemas movie tickets every month at any time in a week
• EI SmartMiles redemption offers include redemption at 300 airlines, gift vouchers, and 180,000 hotels across the globe
• Get up to 4 complimentary supplementary cards for family
• Get USD 25 on food and beverages at more than 900 hotels across the world with Visa Luxury Hotel Collection
• Option to easily transfer your other credit card balances to Emirates Islamic credit card and lower the monthly payment available
• Securely shop digitally with the 3D secure feature
• Convert your big transactions into small monthly instalments using the bank’s Easy Payment Plans
• Make payments at your convenience using digital wallets like Google Pay, Samsung Pay, and Apple Pay

 

Eligibility Criteria to Apply for a Credit Card in the UAE

 

As discussed above, banks don’t offer a credit card in UAE on 4000 salary. Once you have a monthly salary of AED 5000, you can apply for a credit card. However, you will need to clear other eligibility criteria as well. Check out the general criteria to apply for a credit card in the UAE —

 

• You must be at least 21 years old (some banks may allow even if you’re 18 years old) 
• Your monthly salary must be at least AED 5,000 
• You must be a salaried employee or a self-employed individual

 

 

Documents Required to Apply for a Credit Card in the UAE

 

Although you cannot get a 4000 salary credit card in the UAE, you can definitely apply for a card if you have an AED 5000 salary. Keep these documents ready to apply for a credit card in the UAE —

 

• Emirates ID copy 
• Passport copy and UAE residence visa (for UAE residents)
• Latest salary certificate addressed to the bank (for salaried employees)
• Valid trade licence (for self-employed individuals)
• Bank statements for the last 3 or  6 months
• Post-dated cheque for security deposit

Note that all the documents must be valid. Furthermore, the bank can request additional documents at its discretion.

 

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

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