How to Get a Credit Card for a Salary Below AED 4500 in UAE?

A credit card comes in handy when you need extra cash for shopping or paying off energy bills since it allows you to acquire credit quickly. You may use a credit card to spend money today and pay it back later. Because of the benefits that credit cards provide, many individuals in the UAE have started using them. However, many people are unable to meet the credit card application's minimum wage requirements. According to bank policy, no credit card provider would offer a card to an individual earning less than AED 4,500 per month. To acquire the best credit card in UAE, you must have a minimum salary of AED 5,000. If your minimum wage in the UAE is less than AED 4,500, you will not be able to obtain a credit card. However, you may be able to acquire a credit card in one of the many different ways given below with an income of less than AED 4,500.

How to Get a Credit Card in the UAE for AED 4500 Minimum Salary?

Investment in Al Awwal Certificates

Al Awwal certificates combine investment and savings into a single document. Experts recommend investing in Al Awwal certificates rather than creating a piggy bank. You must bring your Emirates ID, passport, and resident visa to a bank office to purchase these certificates. You can start with a small investment and then increase your investment if you are happy. The only thing to keep in mind is that you must have a monthly income of at least AED 4500 to be eligible for a credit card. You may think of it as a credit card for a salary of 4500 or a low-salary credit card.

Contact the Financial Institution's Sales Department

When you have a savings of AED 4500, the financial institution's sales staff will not call you. You'll have to dial that number and ask for a credit card for yourself. You will be granted a credit card if you have sufficient money and the appropriate documents. The bank will ask you for your passport, Emirates ID, bank statement, employment proof, and other papers.

The Waiting Time

All you have to do now is wait for your credit card to come when your application has been approved. In most cases, credit cards are processed within seven days. However, owing to courier delays, your credit card may arrive later than the scheduled delivery date. After the credit card has been couriered, the bank is unable to intervene.

Taking a Personal Loan

With an income of AED 4,500, many of you are undoubtedly wondering how a personal loan may help us get a credit card. Let us inform you that certain banks in the UAE will offer you a credit card when you take a personal loan. RAKBANK, for example, offers a no-fee credit card with no application charge and no annual fee as well as RAK personal loans at low interest rates. This allows you to get a credit card for free while still getting money to pay other expenses. However, you should think about whether taking a personal loan just to get a credit card is a good financial decision. Due to the minimum wage limit, you may find it difficult to acquire a personal loan from RAKBANK with a minimum salary of AED 4,500.

Using a Fixed Deposit Account

A fixed banking account enables you to generate a high interest rate on your savings while still enabling you to utilise your credit card in certain circumstances. You can apply for a credit card regardless of your wage if you have a fixed deposit account with a financial institution or bank in the UAE. You can apply for a credit card through a fixed deposit account with a minimum salary of AED 4,500.

Spend your credit card carefully now that you have it. Keep in mind that your monthly expense remains the same despite the increased credit limit. Don't go overboard with your spending. You will only end up in debt if you spend more than you make. It's easy to fall into debt, but it's far more difficult to get out of it if you can't keep track of your credit card spending. Pay close attention to the small things. Look over your credit card statement for any odd activity. If you see any payments on your statement that you did not make, notify the bank right away.

Top 10 Credit Cards on Below AED 4500 Salary in UAE

Even if you may acquire a credit card with a salary of less than AED 4,500, we recommend that you wait until your salary reaches AED 5,000 to take advantage of the credit card benefits. You can consider the following credit cards with a minimum salary criterion of AED 4,500

1. DIB Prime Platinum Card
2. Emirates Skywards DIB Platinum Credit Card
3. FAB Standard Credit Card
4. Emirates NBD Lulu Mastercard Titanium Credit Card
5. Emirates NBD U By Emaar Family Credit Card
6. FAB du Titanium Credit Card
7. Citi Simplicity
8. RAKIslamic Gold Credit Card
9. RAKBANK Red Matercard Credit Card
10. CBD Titanium Mastercard

DIB Prime Platinum Credit Card

Features & Benefits of DIB Prime Platinum Card 

• Discount at 900 premium hotels
• Wala'a Bonuses
• Purchase Insurance
• Personal Accident and Travel Insurance
• Assistance on the Road
• Credit Shield Takaful
• Card Security Plus
• Facility for Balance Transfer
• Money Withdrawals 

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
• Balance Transfer Facility
• 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.
• Fast Redemption
• Standing Instructions
• Credit Shield
• Wallet Shield
• Up to 25 days of interest-free credit
• High Credit Limit
• Leading international online retailers are offering up to a 10% discount.

Emirates NBD Lulu Mastercard Titanium Credit Card

Features & Benefits of Emirates NBD Lulu Mastercard Titanium Credit Card

• Priority Checkout
• Get early access to key deals and promotions.
• Shipping is free on a minimum spend of AED 300.
• Discounts and exclusive offers every month
• Amazon Prime membership is a great way to save money.
• Buy one, get one free offer on movie tickets
• Accepted worldwide
• Payments made quickly
• Instalment payments are available.
• Payment of utility bills in a convenient manner
• Travel discounts are available.
• Auto Salik free top ups
• Lulu rewards
• Membership to the Emirates NBD SkyShop
• Transfer your balance for free
• Free Access to Airport Lounges
• Careem offers discounted transportation.
• Discount courses on Udemy and Lingokids
• Contactless Payment Options 
• Enhanced security

Emirates NBD U By Emaar Family Credit Card

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

• Free for the rest of your life
• Points are awarded for purchases made using a credit card.
• 30% discount on Emaar Entertainment facilities such as the Dubai Underwater Zoo, Kidzania, and Dubai Ice Rink.
• In a month, you can get up to three free movie tickets.
• Discounts on lifestyle hotels are available.
• Discount on Meals
• Discount on Emaar Hospitality Venues.
• Plans with a 0% interest rate
• Purchase Protection
• Option for Payment Flexibility
• High-level security
• Warranty Extension
• Advancement of funds
• Valet parking is provided at no charge.
• Payment of Utility Bills
• 55 days of interest-free credit
• Life insurance is provided at no cost.
• Roadside Assistance is provided free of charge 24 hours a day, 7 days a week.
• Contactless Payments can be made without using a credit card
• Auto Salik Top-up
• International Medical and Travel Assistance 

FAB du Titanium Credit Card

FAB du Titanium Credit Card Features and Benefits:

• Du home and postpaid services are eligible for a 10% cashback.
• Recharge a prepaid line and get a 10% rebate.
• On your du smartphone Privilege Plan monthly data charges, you'll get a 10% cashback.
• 0% interest on monthly installments.
• Leading international online retailers are offering up to a 10% discount.
• Offers from Mastercard
• Complimentary access to over ten VIP lounges.
• Payments can be made without using a credit card

Citibank Citi Simplicity Credit Card

Features & Benefits of Citi Simplicity Credit Card

• For lifetime, you won't be charged a late fee, overdraft fee, or cash advance fee.
• Supplementary Cards are provided at no cost to you.
• 50% discount on food delivery or dine-in bills at 500+ restaurants.
• Easy Payment Plans
• Cash loan facility
• Citi World Privileges are a set of benefits available to Citi customers across the world

RAKIslamic Gold Credit Card

RAKIslamic Gold Credit Card Features and Benefits:

• Reward for purchases made using a credit card
• There is no yearly charge.
• Supplementary Cards are available for free.
• Purchase Protection
• Special deals on holidays, jewellery, gadgets, furnishings, eating, and much more 
• Up to 55 days of profit-free trading
• You can get a cash advance up to 80% of your credit limit.
• Only 3% minimum monthly payment is required.
• Dining and shopping discounts
• Discounts and benefits on top brands and hotels across the world.
• 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.

RAKBANK Red Matercard Credit Card

RAKBANK Red Mastercard Credit Card Features and Benefits:

• Spending might earn you up to 1.5 percent cashback.
• There is no yearly charge.
• Credit Shield
• 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.

CBD Titanium Mastercard Credit Card

CBD Titanium Mastercard Credit Card Benefits:

• Lifetime Access
• Reward Points for CBD
• Access to the Airport Lounge
• Chip and pin security
• Up to 10% discount on Booking.com.
• Up to 10% discount on Rentalcars.com.
• Buy 1 Get 1 offers at Restaurants and motels.
• Client assistance is available 24 hours a day, seven days a week
• Mastercard Rewards

Eligibility Criteria for Obtaining a Credit Card in the UAE with a Salary of Fewer Than 4500 Dirhams

All of the credit cards listed above have a minimum wage criterion of AED 4,500. You may additionally be required to meet the following conditions in addition to the minimum wage requirement:

• You must reside in the United Arab Emirates.
• You must be at least 21 years old and not older than 65 years.

Know Your Credit Score

Documents Required for Obtaining a Credit Card with a Salary of Under AED 4,500

After you've completed the basic requirements, you'll need the following papers to get your credit card:

• A valid copy of your passport 
• Emirates Identification Card
• Visa for Residency (for non-GCC Nationals)
• Proof of residence in the United Arab Emirates (any one of the following):
• EJARI or tenancy agreement
• Deeds of Title (if you are a homeowner)
• Utility bill received recently
• Bank statements of the previous two months showing salary deposits into the account
• Your employer's salary certificate - issued within the last 30 days

At a minimum income of AED 4,500, no credit card issuer provides credit cards. There are, however, several lateral strategies you may use to explore to get a credit card. However, you should wait until your wage reaches at least AED 5,000 before applying for a credit card. You can then reap the full benefits of owning one. 

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