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

Credit cards, offering convenience, security, and a range of other benefits, have become an essential financial tool for individuals worldwide. When used responsibly, credit cards can offer numerous advantages. They provide a convenient means of making purchases, whether in-store or online, eliminating the need to carry cash.

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 obtain a credit card if your monthly salary is below AED 4,000? In this article, we will check whether individuals with a monthly salary of up to this figure can get a credit card in the UAE.

Can You Get a Credit Card with a Salary Below AED 4,000 in the UAE?

It is important to understand that banks and other lending institutions in the UAE do not offer credit cards for a monthly salary below AED 4,000. In order to be eligible for a credit card, applicants must have a salary of AED 5,000 at least.

In the following section, we have enlisted 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

Mentioned below are the top 5 credit cards available with a monthly salary of AED 5,000 along with their features and benefits -

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 overlimit fee 
• Free supplementary cards for family members 
• Purchase protection and extended warranty

Know More About : Citibank Citi Simplicity Credit Card

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 the 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

Know More About : Emirates NBD Lulu 247 Titanium Credit Card

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 as per the following guidelines -
  • 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
• Get up to 30% discount on lifestyle benefits like entertainment at 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

Know More About : Emirates NBD U By Emaar Family Credit Card

Emirates Islamic RTA Credit Card

Features & Benefits of Emirates Islamic RTA Credit Card

• Minimum monthly salary required - AED 5,000
• No annual fees are charged
• Get up to 10% cashback on paying at RTA transportation or spending on fuel
• Earn up to 2.25% cashback on international expenses
• Get up to 1.25% cashback on other expenses
• Avail of 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 

  

  Best Credit Card in UAE

• Avail of 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 - nil 
  • 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

Know More About : Emirates Islamic RTA Credit Card

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
• Get up to 2 complimentary “Buy 1 Get 1 free” 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 

  

• Avail of 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

Know More About : Emirates Islamic Flex Platinum Credit Card

Eligibility Criteria to Apply for a Credit Card in the UAE

Listed below are the general eligibility criteria to apply for a credit card in the UAE -

• While a few institutions accept credit card applications from individuals as young as 18 years old, most of the credit card providers in the UAE have set the minimum age requirement at 21 years. 
• The minimum monthly salary should be AED 5,000. 
• The applicant can be either a salaried employee or a self-employed individual.

Documents Required to Apply for a Credit Card in the UAE

Here is the list of documents required to apply for a credit card in the UAE -

• A copy of valid Emirates ID or National ID 
• A copy of valid passport 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

It’s important to note that the banks can make a request for additional documents at their discretion.

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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 4000	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