How to Apply for a Credit Card on Below AED 2500 Salary in UAE (2024)

Most Popular Credit Card in UAE

Credit cards make transactions quite straightforward, not to mention their rewards, privileges, and more.With your credit card in the UAE, you can conveniently make purchases, pay bills, and manage your finances efficiently. You can also enhance your experience of spending with benefits like rewards programs and other exclusive privileges.

To get the best credit card in UAE, however, you will need to meet a few eligibility requirements such as minimum salary criteria.Let’s check if it is possible to get a credit card in UAE on 2500 salary.

Can You Get a Credit Card in UAE on 2500 Salary?

No, you cannot get a credit card with a monthly salary below AED 2,500. This is because the required minimum salary for credit card in UAE is AED 5,000 per month.

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 5000 In the UAE

Check out the top 5 credit cards that you can get with a monthly salary of AED 5,000 here —

Emirates NBD U By Emaar Family Credit Card

Features & Benefits ofEmirates NBD U By Emaar Family Credit Card

• Free-for-life Emirates NBD credit card
• Up to 30% discount on entertainment at the Emaar Entertainment Group, which consists of The Dubai Underwater Zoo, Dubai Ice Rink, and Kidzania
• ‘Buy 1 Get 1’ offer on movie tickets at Reel Cinemas
• Get 5% Upoints back on spending in Emaar malls, dine, and stay at Emaar Hospitality Group hotels and restaurants
• 10% base Upoints for spends related to government services, telecommunication payments, and fuel
• Get 25% base Upoints on supermarkets and grocery spends
• Receive 5x extra Upoints on any spending in Emaar

Emirates NBD Lulu 247 Titanium Credit Card

Features & Benefits ofEmirates NBD Lulu 247 Titanium Credit Card

• Welcome offer of 0% interest on balance transfers with zero processing fees
• Earn LuLu points on online spending and shopping at LuLu
• Complimentary lounge access at 10+ airports regionally
• ‘Buy 1 Get 1 Free’ movie tickets with Vox Cinemas on spending at least AED 3,000
• You can conveniently redeem your LuLu points at more than 70 LuLu stores
• Earn 3.5% on LuLu points on spending
• Get 2% on fuel spending
• Earn 1% on utility bill payments
• Get 0.35% points on other spending

Emirates Islamic RTA Credit Card

Features & Benefits ofEmirates Islamic RTA Credit Card

• Earn up to 10% cashback on RTA transport payments and fuel spending
• Up to 2.25% cashback on international transactions
• Up to 1.25% cashback on all other spends
• Up to 25% cashback at over 1,500 brands at CashBackSouk.ae
• Easily make secure payments with Google Pay, Apple Pay, and Samsung Pay with the TAP n PAY feature
• Receive up to 4 complimentary supplementary cards without any AMF
• Get USD 25 credited on food and beverages at over 900 hotels worldwide with Visa Luxury Hotel Collection
• Up to 2 ‘Buy 1 Get 1’ complimentary Reel movie tickets every month on any day of the week
• Auto top-up of your NOL and Salik
• Simply carry one single card for NOL and credit transactions
• No blackout dates to redeem cashback
• Enjoy Purchase Protection in case of stolen, lost, or damaged goods
• Option to use cashback to pay for the outstanding balance
• Get access to regular class and regular class fare deductions from NOL Tag ID
• Easily convert big-ticket transactions into small monthly instalments with Easy Payment Plans
• Enjoy the Extended Warranty benefit, which automatically doubles the warranty for an item purchased with your card
• You can transfer your other credit card balances to this Emirates Islamic credit card and even lower your monthly payments

Emirates Islamic Flex Platinum Credit Card

Features & Benefits ofEmirates Islamic Flex Platinum Credit Card

• Enjoy a welcome bonus of 10,000 EI SmartMiles on activating your credit card
• Up to 2.25 EI SmartMiles per AED 1 spent
• Avail of the ‘Instant Purchase’ feature and redeem your EI SmartMiles against any purchase across the globe at any merchant
• Up to 2 ‘Buy 1 Get 1’ complimentary Reel movie tickets every month on any day of the week
• Easily redeem your EI SmartMiles through the online redemption portal — www.eirewards.ae — or via the EI Rewards mobile application
• You can redeem your EI SmartMiles to make retail transactions (both local and international) through the Instant Purchase feature without any blackout dates.
• Get ‘Purchase Protection’ cover in case of stolen, lost, or damaged goods
• Redemption option includes 180,000 hotels and 300 airlines worldwide and gift vouchers
• Extended Warranty to automatically double the warranty for an item purchased with a credit card
• Exchange your EI SmartMiles with Emirates Skywards, EtihadgUest, Etisalat Smiles Points, Intermiles, and U By Emaar
• Up to 4 complimentary supplementary cards with no AMF
• Enjoy secure online shopping with the 3D Secure feature
• Transfer your other credit card balances to Emirates Islamic and even lower your monthly payments
• Get USD 25 credited on food or beverages at over 900 hotels worldwide with Visa Luxury Hotel Collection
• With this credit card, you can convert your big-ticket transactions into small monthly instalments with Easy Payment Plans
• Up to 25% cash back on more than 1500 brands at CashbackSouk.ae

Citibank Citi Simplicity Credit Card

Features & Benefits ofCitibank Citi Simplicity Credit Card

• Enjoy access to select airport lounges across the Middle East with the MasterCard Travel Pass App
• Complimentary supplementary cards for your family members
• Use the PayLite feature and pay in small instalments for big purchases
• 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

Eligibility Criteria to Get a Credit Card for a Minimum Salary of AED 2500 in UAE?

As we saw earlier, a credit card for 2500 AED salary is not available in the UAE.However, even if your salary is AED 5,000 or above, you must meet other eligibility requirements to get a credit card.Here are the general requirements to apply for a credit card in UAE —

• Minimum age — although some credit card providers may set this limit at 18 years, the age requirement is mostly 21 years
• Minimum salary for credit card in UAE — AED 5,000 per month
• You must either be a salaried individual or a self-employed individual

Documents Required to Get a Credit Card on Below AED 2500 Salary in UAE?

Even though a UAE credit card minimum salary 2500 is not available at any banks, you can get a card with AED 5,000 salary.To verify your salary, banks require you to submit a few documents along with other identification documents.

Here is a set of documents required to process your credit card application in the UAE —

• Emirates ID copy
• Passport copy
• 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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Q1: Does submitting several credit card applications at a time affect your credit score?

Q2: How long do financial institutions take to approve a credit card application in the UAE?

Q3: Are individuals with a good credit score and a minimum monthly salary of AED 2500 eligible to get a credit score in the UAE?