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

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Credit cards have become a popular financial tool in today's economy. The UAE boasts a dynamic financial sector that offers a diverse range of credit card options tailored to suit the needs and preferences of all types of individuals and businesses. 

The benefits of these cards are plenty, as you can conveniently make purchases, settle bills, and effectively manage your finances. These cards not only facilitate transactions but also enhance your spending experience by offering enticing benefits like rewards programs and exclusive privileges.

While obtaining a credit card in the UAE, you would be required to meet certain eligibility criteria such as a minimum salary threshold. Let's explore whether it’s possible to get a credit card with a salary below AED 4,500 in the Emirates. 

How to Get a Salary for a Credit Card for a Salary Below AED 4,500 in the UAE?

The lowest monthly salary requirement set by lending institutions in the UAE for credit card approval is AED 5,000. Thus, individuals with a monthly salary below AED 5,000 are not eligible to apply for a credit card. 

For those with a salary of AED 5,000 or more, there are several top credit card options available. In the following section, we have compiled a list of these best credit card in uae specifically designed for individuals meeting the minimum salary requirement of AED 5,000 or higher. 

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

Have a look at the list of the top 5 credit cards in the UAE (along with their benefits) that are available at a salary of AED 5,000 and more -  

Emirates NBD U By Emaar Family Credit Card

Emirates NBD U By Emaar Family Credit Card
Free for Life
  • Minimum Salary AED 5,000
  • Annual Fee Free for Life
  • Free for Life
  • Movie Discounts
  • Dining Discounts
  • 30% discount on Emaar Attraction
  • This emirates nbd credit card comes with a lifetime fee waiver.
  • Enjoy fantastic discounts of up to 30% on entertainment at the renowned Emaar Entertainment Group - you can immerse yourself in captivating experiences at The Dubai Underwater Zoo, Dubai Ice Rink, and Kidzania.
  • Indulge in the exclusive 'Buy 1 Get 1' offer on movie tickets at Reel Cinemas for a memorable cinema experience.
  • Earn 5% Upoints on your expenditures at Emaar malls as well as when you dine and stay at Emaar Hospitality Group hotels and restaurants.
  • Benefit from 10% base Upoints when spending on government services, telecommunication payments, and fuel.
  • Receive 25% base Upoints when shopping at supermarkets and groceries. Gain an extra boost with 5 times the Upoints on any expenditure within the Emaar network, further enhancing your rewards program. 
Know More About : Emirates NBD U By Emaar Family Credit Card

Emirates NBD Lulu 247 Titanium Credit Card

Emirates NBD Lulu 247 Titanium Credit Card
Free for Life
  • Minimum Salary AED 5,000
  • Annual Fee Free for Life
  • Free for Life
  • Movie Discounts
  • Get a welcome offer of 0% interest on balance transfers with zero processing fees.
  • Avail of easy redemption of your LuLu points at more than 70 LuLu stores.
  • Earn 3.5% LuLu points on spending.
  • Get 2% points on fuel spending.
  • Earn 1% points on utility bill payments.
  • Avail of 0.35% points on other spends.  
  • Earn LuLu points on online spending and shopping at LuLu.
  • Avail of complimentary lounge access at over 10 airports regionally.
  • Enjoy Buy 1 Get 1 free movie tickets with Vox Cinemas on spending at least AED 3,000.
Know More About : Emirates NBD Lulu 247 Titanium Credit Card

Emirates Islamic RTA Credit Card

Emirates Islamic RTA Card
Cashback
  • Minimum Salary AED 5,000
  • Annual Fee No annual fee
  • Cashback
  • Nol Card
  • RTA Transport Payments
  • Fuel Spends
  • Earn a cashback of up to 10% on RTA transport payments and fuel expenses.
  • Receive up to 2.25% cashback on international expenditures and enjoy more rewarding global transactions.
  • Enjoy up to 1.25% cashback on all other spends and get valuable returns with each purchase.
  • Earn up to 25% cashback at over 1,500 renowned brands through CashBackSouk.ae to enhance your savings across a wide range of products.
  • Experience the convenience and security of TAP n PAY, which enables seamless payments through popular platforms like Google Pay, Apple Pay, and Samsung Pay.
  • Benefit from up to 4 complimentary supplementary cards - all without an annual membership fee - so that your loved ones get to enjoy the perks of this credit card as well.
  • Receive a credit of USD 25 towards food and beverages at over 900 hotels worldwide with the prestigious Visa Luxury Hotel Collection.
  • Enjoy up to 2 complimentary 'Buy 1 Get 1' Reel movie tickets every month (available on all days of the week) for memorable cinema experiences.
  • Avail of the convenience of auto top-up for your NOL and Salik, ensuring seamless transactions and peace of mind.
  • Simplify your wallet with a single card for NOL and credit transactions and seamlessly streamline your payments.

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  • Enjoy the freedom of redeeming your cashback without any blackout dates so that you can utilise your rewards whenever you desire.
  • Benefit from the Purchase Protection feature, which provides coverage in case of stolen, lost, or damaged goods and ensures your peace of mind.
  • Utilise your cashback amount to conveniently pay for the outstanding balance.
  • Gain access to fare deductions for regular class and regular class from NOL Tag ID, which makes your commuting more affordable.
  • Convert your significant transactions into manageable monthly instalments with Easy Payment Plans which provide you with financial convenience.
  • Experience the Extended Warranty benefit, which automatically doubles the warranty for items purchased using your card and offers enhanced protection.
  • Streamline your finances by transferring your other credit card balances to Emirates Islamic and lower your monthly payments. 
Know More About : Emirates Islamic RTA Credit Card

Emirates Islamic Flex Platinum Credit Card

Emirates Islamic Flex Platinum Credit Card
Cashback
  • Minimum Salary AED 5,000
  • Annual Fee No annual fee
  • Welcome Bonus
  • EI SmartMiles
  • Easy Redemption
  • Upon activating your credit card, you can receive a generous welcome bonus of 10,000 EI SmartMiles to kickstart your rewards journey.
  • Earn up to 2.25 EI SmartMiles for every AED 1 spent to accumulate miles quickly and easily.
  • Enjoy the convenience of the 'Instant Purchase' feature, which enables you to redeem your EI SmartMiles for any purchase across the globe at any merchant.
  • Delight in up to 2 complimentary 'Buy 1 Get 1' Reel movie tickets every month - available on any day of the week.
  • Exchange your EI SmartMiles with esteemed partners such as Emirates Skywards, Etihad Guest, Etisalat Smiles Points, Intermiles, and U By Emaar.
  • Enjoy the flexibility of up to 4 complimentary supplementary cards, all without an annual membership fee.
  • Conduct secure online shopping with the 3D Secure feature, which makes sure that your transactions are protected.
  • Simplify your finances by transferring your other credit card balances to Emirates Islamic, reducing your monthly payments.
  • Receive a credit of USD 25 towards food or beverages at over 900 hotels worldwide through the Visa Luxury Hotel Collection.
  • Seamlessly redeem your EI SmartMiles through the user-friendly online redemption portal, www.eirewards.ae, or via the EI Rewards mobile application.

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  • Utilise your EI SmartMiles for retail transactions (both local and international) using the Instant Purchase feature without any blackout dates.
  • Experience the peace of mind offered by the 'Purchase Protection' feature, safeguarding against stolen, lost, or damaged goods.
  • Expand your redemption options with a choice of 180,000 hotels and 300 airlines worldwide, as well as gift vouchers.
  • Benefit from the Extended Warranty feature, doubling the warranty automatically for items purchased using the credit card.
  • Convert your significant purchases into manageable monthly instalments with Easy Payment Plans for the utmost financial convenience.
  • Maximise your savings by earning up to 25% cash back on over 1,500 renowned brands through CashbackSouk.ae. 
Know More About : Emirates Islamic Flex Platinum Credit Card

Citibank Citi Simplicity Credit Card

Citibank Citi Simplicity Card
Cashback
  • Minimum Salary AED 5,000
  • Annual Fee Free for Life
  • Free for Life
  • Dining Discounts
  • Travel Insurance
  • Purchase Protection & Extended Warranty
  • Get access to select airport lounges across the Middle East with the MasterCard Travel Pass App.
  • Receive complimentary supplementary cards for your family members.
  • Use the PayLite feature and pay in small instalments when you make any big purchases.
  • There are no annual charges, cash advance fees, over-limit fees, or late payment fees.
  • Get Citi World Privileges such as dining, entertainment, and travel discounts locally and across 95 countries.   
Know More About : Citibank Citi Simplicity Credit Card

What are the Eligibility Criteria for Obtaining a Credit Card in the UAE?

Even though the eligibility requirements are different for each bank’s credit cards, the following are the general criteria in the UAE -  

  • You must fulfil the minimum age requirements as per your provider. Although some 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 minimum monthly salary of AED 5,000.
  • You must either be a salaried individual or a self-employed individual. 

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Which Documents are Required for Credit Cards in the Emirates?

Given below is the list of documents that you may be required to submit to process your credit card application -  

  • Original and valid copy of Emirates ID
  • Original and a valid copy of passport
  • Latest salary certificate (for salaried employees)
  • Valid trade licence (for self-employed individuals)
  • Previous 3 or 6 months’ bank statements 

Note: Other documents may be required as per the requirement of the concerned bank. 

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Frequently Asked Questions

Q1: Can I get a credit card in the Emirates if I have a good credit score but a salary of less than AED 4500?

Ans: No, you must have a minimum monthly salary of AED 5,000. 

Q2: Do I need to submit bank statements if I have submitted a salary certification for credit card application processing?

Ans: Yes, both salary certificates and personal bank statements may be required to process a credit card application.

Q3: Can I apply for several credit cards altogether at different banks?

Ans: Yes, you can apply for multiple credit cards at a time. However, as doing so may affect your credit score, it is usually advisable not to send multiple applications within a short tenure.

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Related Links - 

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

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How to Get a Credit Card if you Earn Below AED 4000

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