How to Get a Credit Card if you Earn Below AED 5000

Some card members forget that credit cards are for necessary expenses and not some extra money. Due to this reason, some end up falling into debt. As it is, it’s not easy to attain best credit card in UAE. The eligibility for credit card requirements in UAE are quite high. One of the most important credit card eligibility uae factors is the minimum monthly salary required. All the financial institutions in the UAE ask for a minimum monthly salary of AED 5000. This makes it quite impossible for people earning below AED 5000 to get a credit card. However, today we are going to discuss how a person earning below AED 5000 can get a credit card.

Ways to Get a Credit Card with Minimum Salary 5000 in UAE (Savings of at Least AED 3000)

One of the ways to get a credit card is by having savings of AED 3000 minimum. This process has a tiny flaw though. Once you have the applications for the credit card completed, you will be unable to withdraw the amount for 45 days.

If your application is accepted, your credit card will have a limit of 95% of all your savings. It means that your credit limit is going to be AED 2850. The credit limit of your credit card depends on your savings certificate. You will have a higher spending amount if you have higher savings. There is no credit card offer for a person who is looking for a credit card in UAE in 2000 salary.

Al Awwal Certificates Investment

Al Awwal certificates are the combination of investments and savings into one. Rather than opening a piggy bank, it is advised by experts to invest in Al Awwal certificates. For purchasing these certificates, you should carry your Emirates ID, passport, and residence visa to a branch of the bank.

You can take a step with a small investment and go for more if you are satisfied. The only point to remember is that you need at least AED 3000 to be eligible for a credit card. You can think it as a credit card for 3000 salaries or also as a credit card for a low salary.

Contact the Sales Department of the Financial Institution

The sales department of the financial institutions won’t call you when you have a savings of AED 3000. You will need to make that call and request a credit card for yourself. As long as you have the savings and the necessary documents, you will get a credit card. The documents that they would ask for are your passport, Emirates ID, bank statement, employment proof, etc.

The Waiting Period

After your application has been accepted, all you can do is wait for your credit card to arrive. The credit cards are usually processed within 7 days. However, your credit card might reach yours later than the given date due to delays by the courier company. The bank can’t do much after the credit card has been couriered.

Use your Credit Card Wisely

Now that you have your credit card, spend it wisely. Remember that even with the increased credit limit, your monthly income is still the same. Don’t overspend. Spending more than what you earn will only lead you to debt. Getting into debt is easy but getting out of it will be really difficult if you can’t control your credit card expenses. Pay attention to details. Check your card statement for any unusual activities. If you see any payment in the bill that you did not make, report it immediately.

Top 10 Credit Cards with Minimum Salary AED 5000 in  UAE

Though there are several ways through which you may get a credit card even with a salary less than AED 5,000, we advise you to wait till your salary touches the AED 5,000 mark to enjoy the credit card facilities. Once your salary is AED 5,000 or above, you can consider the following credit cards with AED 5,000 minimum salary requirement:

• Emirates NBD Lulu Mastercard Titanium Credit Card
• Emirates NBD U By Emaar Family Credit Card
• RAKIslamic Gold Credit Card
• RAKBANK Red Matercard Credit Card
• DIB Prime Platinum Card
• Emirates Skywards DIB Platinum Credit Card
• FAB Standard Credit Card
• FAB du Titanium Credit Card
• Citi Simplicity
• CBD Titanium Mastercard

Emirates NBD Lulu Mastercard Titanium Credit Card

Features & Benefits of Emirates NBD Lulu Mastercard Titanium Credit Card

• Priority Checkout
• Early access to major sales and promotion
• Free shipping
• Monthly discounts and exclusive offers
• Amazon Prime Membership
• Buy 1 get 1 offer
• Globally accepted
• Quick payments
• Pay in installments
• Convenient utility bill payments
• Discount on travel
• Auto Salik top-up
• Lulu points
• Access to Emirates NBD exclusive SkyShop store
• Free Balance Transfer Facility
• Airport Lounge Access
• Discounted rides with Careem
• Udemy Discounts
• Access to Lingokids
• Contactless Payment
• Higher security

Emirates NBD U By Emaar Family Credit Card

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

• Lifetime free
• Reward points on spending done using credit card
• 30% discount on Emaar Entertainment facilities such as Dubai underwater Zoo, Kidzania, and Dubai Ice Rink
• Up to 3 free movie tickets in a month
• Discount on lifestyle hotels
• Discount on Dining
• Discount on Emaar Hospitality Venues
• 0% Instalment Plans
• Purchase Protection
• Flexi Payment Option
• High security
• Extended Warranty
• Cash Advancement
• Complimentary Valet Parking
• Utility Bill Payments
• 55 interest-free days
• Free Life Insurance
• Complimentary Roadside Assistance 24/7
• Contactless Payments
• Auto Salik Top-up
• International Medical and Travel Assistance

RAKIslamic Gold Credit Card

Features & Benefits of RAKIslamic Gold Credit Card

• Reward on spending done using credit card
• No Annual Fee
• Free Supplementary Cards
• Purchase Protection
• Exclusive offers on holidays, jewellery, electronics, furnishing, dining, and much more
• Up to 55 profit-free days
• Cash advance up to 80% of your credit limit
• Minimum Monthly Payment of just 3%
• Discounts on dining and shopping
• Exclusive global discounts and privileges on premium brands and hotels
• 10% off on rentalcars.com
• Buy one get one offer
• Up to 60% discount on European Shopping Villages
• Up to 20% discount on first three rides every month with Uber
• Up to 30% at over 2,000 restaurants with RAKfoodie

RAKBANK Red Matercard Credit Card

Features & Benefits of RAKBANK Red Mastercard Credit Card

• Up to 1.5% cashback on spending
• No annual fee
• Credit Shield
• 0% Easy Payment Plan
• Up to 20% discount on first three rides every month with Uber
• Up to 30% at over 2,000 restaurants with RAKfoodie

DIB Prime Platinum Card

Features & Benefits of DIB Prime Platinum Card

• Discount at 900 luxury hotels
• Wala’a Rewards
• Purchase Protection
• Personal Accidental and Travel Insurance
• Roadside Assistance
• Credit Shield Takaful
• Card Protection Plus
• Balance Transfer Facility
• Cash Withdrawals

Emirates Skywards DIB Platinum Credit Card

Features & Benefits of Emirates Skywards DIB Platinum Credit Card

• Bonus Skywards Miles
• Airport Lounge Access Globally
• Discount on dining
• Balance Transfer Facility
• Medical and Legal Referral while traveling

FAB Standard Credit Card

Features & Benefits of FAB Standard Credit Card

• FAB rewards on every spend
• Instant Redemption
• Standing Instructions
• Credit Shield
• Wallet Shield
• Up to 25 interest-free days
• High Credit Limit
• Up to 10% discount at leading global online stores

FAB du Titanium Credit Card

Features & Benefits of FAB du Titanium Credit Card

• 10% cashback on du home and postpaid services
• 10% cashback on prepaid line recharge
• 10% cashback on your du smartphone Privilege Plan monthly data charges
• 0% Interest on Monthly Instalments
• Up to 10% discount at leading global online stores
• Mastercard Offers          
• Complimentary Access to over 10 VIP lounges
• Contactless Payments

Citi Simplicity Credit Card

Features & Benefits of Citi Simplicity Credit Card

• No late fee, over-limit fee or cash advance fee for life
• Complimentary Supplementary Cards
• 50% discount on food delivery or dine-in bills at 500+ outlets
• Easy Instalment Plans
• Cash Loan
• Citi World Privileges

CBD Titanium Mastercard Credit Card

Features & Benefits of CBD Titanium Mastercard  Credit Card

• Free for Life
• CBD Reward Points
• Airport Lounge Access
• Chip and Pin protection
• Up to 10% cashback on spending at booking.com
• 10% discount at rentalcars.com
• Buy one get one offers at restaurants and hotels
• Mastercard Benefits
• 24/7 client support

Eligibility Criteria for Getting Credit Card on 5000 Salary in UAE

All the aforementioned credit card eligibility in UAE comes with the minimum salary requirement of AED 5,000. Other than fulfilling the minimum salary requirement, you may also require meeting the following requirements:

• You should be a resident of the UAE
• Your age should not be less than 21 years old and should not be more than 65 years old

Documents Required for Getting Credit Card Below 5000 Salary

Once you have met the basic requirement, these are the documents you will require to finally receive the credit card:

• A valid copy of passport
• Emirates ID
• Residence Visa (for non-GCC Nationals)
• Proof of UAE residency (any one of the following)
• Tenancy Agreement or EJARI
• Title Deeds (if you are a homeowner)
• Recent utility bill
• Last 2 months’ bank statements reflecting transaction of salary into the account
• Salary certificate from your employer - Issued not earlier than 30 days

For Supplementary Credit Card manimum salary 5000 Salary

• A valid copy of the passport of the supplementary credit cardholder
• Emirates ID
• Security Cheque

Final Verdict

  

If you’re looking for a credit card with a minimum salary of AED 3000 in the UAE, then there are no banks that offer a credit card for the minimum salary of AED 3000. The lowest required minimum salary is AED 5000. If your monthly salary is lesser than the requirements, you need to have a savings of AED 3000. To keep your savings safe for the credit card application, invest in Al Awwal certificates.

Read: How to check credit score in UAE for Free

Most card members don’t realize that the high interest rates of credit cards can affect them financially. Missing out on payments affects the interest rates as well as the credit score of the cardmembers. Especially for members in UAE credit cards with a minimum monthly salary of AED 3000. The negative aspect of the credit card will hit them harder than those with a minimum monthly salary of AED 5000 or above. That is why it would be prudent of you to not spend more than what you can afford.

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 4000

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How to Get a Credit Card if you Earn Below AED 6000

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