Credit card for 3000 salary in UAE (or below)

Get a credit card in UAE on a 3000 salary or below? Although a credit card is one of the most convenient banking products, before you can get one, you need to meet a number of eligibility criteria like a minimum salary. If you still want to purchase a credit card with a low salary, keep reading this article.

Credit Card in UAE on 3000 Salary

Ways to get a credit card with a minimum salary of 3000 in the UAE

One of the most noticeable requirements set by credit card companies is the minimum income. Credit card providers in the UAE do not offer credit cards to professionals with a salary below AED 5,000. If you have a salary of less than AED 3,000, initially you cannot apply for a credit card in the UAE.

How does it work?

When the bank offers you a credit card, it requires a minimum salary to ensure that you can repay the debt later. But if you don’t have a minimum wage, banks require financial collateral to guarantee that the debt can be repaid. When you open a fixed deposit account with a bank, the bank has collateral that it can use to pay your debt if you are unable to pay it. The balance of the fixed deposit thus serves as collateral to which the bank has access. If you want to buy a credit card with a minimum income of AED 3,000, you can tick this option for a credit card.

So, if you belong to this income group, you may consider the following options:

Fixed deposits

Several financial institutions and banks allow you to apply for a credit card even if you do not meet the minimum income criteria if you have a fixed deposit in the bank. For example, you can apply for a credit card even with a minimum salary of AED 3,000.

Personal loan

Some banks offer a credit card with a personal loan. One of these banks is RAKBANK. When you take out a personal loan with RAKBANK, the bank offers you a free credit card with no annual fee and a low-interest rate. This serves two purposes. First, it allows you to get some extra money through a personal loan. Secondly, it gives you a credit card. But with a minimum salary of AED 3,000, it may be difficult for you to get a personal loan from RAKBANK.

Which banks offer credit cards on 3000 salary in UAE?

National Bank of Fujairah (NBF)

NBF Classic Credit Card in the UAE is an option for credit card buyers if they have an NBF Fixed Deposit account.

Features and benefits of the NBF Classic credit card

  • 0 % interest for instalments
  • Flexible repayment option
  • Mobile banking
  • SMS alert service
  • Possibility to withdraw cash
  • Direct debit
  • Possibility of transfer
  • EZ Draft Facility
  • Globally accepted
  • Foreign transactions
  • 60% cashback on cinema tickets at Roxy, VOX and Reel Cinemas

Passbook

A savings account allows its owners not only to save money and earn interest but also to get a credit card with a minimum salary of AED 3,000. You might know that some banks in the UAE allow you to apply for a credit card when depositing a certain amount in the bank as collateral. This is usually the savings account into which you have deposited a certain amount.

How does it work?

When you get a bank savings account, this bank already has some collateral in your name that can be used to pay any debt you are unable to pay back. The credit line on your credit card is equal to the amount you have in your savings account.

For instance. Let’s imagine you have a minimum salary of AED 3,000 in the UAE and you save AED 1,000 each month to open a savings account. Five months later, AED 5,000 is in your bank account. Now suppose that after five months you decide to apply for a credit card. The bank accepts your application and offers you a credit card with a limit of AED 5,000. If you cannot pay the debt on your credit card, the bank will take this AED 5,000 from the savings account as collateral to pay the debt.

The 10 best credit cards for salaries under AED 3000 in the UAE

As we see before, there are some indirect ways to get a credit card with a minimum salary of AED 3,000. However, it may be better to wait until your salary reaches AED 5,000 to get a more convenient card. It is always better to choose the easiest option where you can easily and hassle-free get the credit card. Once you reach your target of AED 5,000 in salary, you can consider this list of the 10 best credit cards with AED 5,000 in salary in UAE:

  • 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

Emirates NBD Lulu Mastercard Titanium credit card
  • Minimum wage: AED 5.000
  • Annual fee: Free for life
  • Access to the airport lounge

Value of remuneration: NA

  • Priority check-out
  • Early access to key sales and promotional activities
  • Free shipping
  • Monthly discounts and exclusive offers
  • Amazon Prime Membership
  • Buy 1 and get 1 offer
  • Access to the airport lounge
  • Discounted tours with Careem
  • Udemy discounts
  • Lingokids
  • Contactless payment
  • Higher security
  • Globally accepted
  • Fast payments
  • Payment in instalments
  • Easy payment of utility bills
  • Discount on travel
  • Loading car Salik
  • Lulu point
  • Access to the exclusive Emirates NBD SkyShop
  • Free transfer

Emirates NBD U By Emaar Family credit card

Emirates NBD U By Emaar Family credit card
  • Minimum wage: AED 5.000
  • Annual fee: Free for life
  • Discounts on meals
  • Cinema tickets
  • Special discounts

Reward value: AED 9.768

  • Free for life
  • Reward points for expenditure
  • 30% discount on Emaar entertainment facilities such as Dubai Underwater Zoo, Kidzania and Dubai Ice Rink
  • Up to 3 free cinema tickets per month
  • Discounts on lifestyle hotels
  • Discount at dinner
  • Discounts on Emaar Hospitality locations
  • 0 % repayment schemes
  • Protection of purchases
  • Flexible payment options
  • High security
  • Extended warranty
  • Cash advance
  • Free parking with valet parking
  • Payment of utility bills
  • 55 interest-free days
  • Free life insurance
  • Free roadside assistance 24/7
  • Contactless payments
  • Filling of car salt
  • International medical and travel assistance

RAKIslamic Gold credit card

RAKIslamic Gold credit card
  • Minimum wage: AED 5.000
  • Annual fee: Free for life
  • Transfer
  • Free for life
  • Discount on hotel
  • Takaful travel insurance against accidents and purchase

Value of remuneration: NA

  • Reward for spending
  • No annual fees
  • Free extra card
  • Protection of purchases
  • Exclusive offers on holidays, jewellery, electronics, home furnishings, food and much more.
  • Up to 55 days without winnings
  • Cash advance of up to 80% of your credit limit
  • Minimum monthly payment of only 3%
  • Discounts on eating out and shopping
  • Exclusive global discounts and benefits at top brands and hotels
  • 10% discount on rentalcars.com
  • Buy once, get twice
  • Up to 60% discount on European shopping cities
  • Up to 20% off your first three rides per month with Uber
  • Up to 30% at more than 2,000 restaurants with RAKfoodie

RAKBANK Red Matercard Credit Card

RAKBANK Red Matercard Credit Card
  • Minimum wage: AED 8.000
  • Annual fee: Free for life
  • Free for life
  • Discounts on meals
  • Special discounts

Reward value: AED 4,821

  • Up to 1.5% cashback on spending
  • No annual fees
  • Credit Foreclosure
  • 0% Single payment plan
  • Up to 20% off your first three rides per month with Uber
  • Up to 30% at more than 2,000 restaurants with RAKfoodie

DIB Prime Platinum Card

DIB Prime Platinum Card
  • Minimum wage: AED 15.000
  • Annual fee:Free for life
  • Transfer
  • Assistance in case of breakdown
  • Credit Shield Takaful

Value of remuneration: NA

  • 900 luxury hotels with discount
  • Wala’a Rewards
  • Protection of purchases
  • Travel and accident insurance
  • Assistance in case of breakdown
  • Credit Shield Takaful
  • Card Protection Plus
  • Balance transfer function
  • Cash disbursements

Emirates Skywards DIB Platinum Credit Card

Emirates Skywards DIB Platinum Credit Card

  • Minimum wage: AED 5.000
  • Annual fee: AED 525
  • Dinning offer
  • Assistance in case of breakdown
  • Golf offer
  • Free cinema offer
  • Transfer

Value of remuneration: NA

  • Bonus Skywards Miles
  • Access to airport lounges worldwide
  • Discount at dinner
  • Balance transfer function
  • Medical and legal advice during the journey

FAB Standard credit card

FAB Standard credit card

  • Minimum wage: AED 5.000
  • Annual fee: AED 0
  • Meet and greet at the airport
  • Special discounts
  • Meet and greet at the airport
  • Free for life

Reward value: AED 758

  • FAB prizes for each issue
  • Immediate repayment
  • Standing instructions
  • Credit Foreclosure
  • Safe shield
  • Up to 25 days interest free
  • High credit line
  • Up to 10% discount on leading online stores worldwide

FAB du Titanium credit card

FAB du Titanium credit card
  • Minimum wage: AED 5.000
  • Annual fee: AED 0
  • Access to the airport lounge
  • Free for life
  • Special discounts

Reward value:AED 12.594

  • 10% cashback on you home and postpaid services
  • 10% cashback on prepaid top-ups
  • 10% cashback on the monthly data charges of your smartphone Privilege Plan from you
  • 0% Monthly instalments
  • Up to 10% discount on leading online stores worldwide
  • Mastercard offers     
  • Free access to more than 10 VIP lounges
  • Contactless payment

Citibank Citi Simplicity credit card

Citibank Citi Simplicity credit card

  • Minimum wage: AED 5.000
  • Annual fee: Free for life
  • Travel insurance
  • Access to the airport lounge
  • Purchase protection and warranty extension
  • Benefits of eating
  • Free for life

Value of remuneration: NA

  • No penalties for late payments, exceeding limits or lifetime advances
  • Free extra card
  • 50% discount on the invoice for the delivery of meals or the purchase of meals in more than 500 outlets
  • Simple repayment plans
  • Loan
  • Citi World privileges

CBD Titanium MasterCard Credit Card

CBD Titanium MasterCard Credit Card
  • Minimum wage: AED 10.000
  • Annual fee: Free
  • Free for life
  • Access to the airport lounge
  • Discounts on films

Reward value: AED 5.058

  • Free for life
  • CBD Reward Points
  • Access to the airport lounge
  • Chip and pin protection
  • Up to 10% cashback on booking.com purchases
  • 10% discount on rentalcars.com
  • Buy once and get once at restaurants and hotels
  • Benefits of Mastercard
  • 24/7 customer service

Conclusion

Sadly, a minimum salary of AED 3,000 is mandatory to get a credit card for any provider. Anyway, you can find some alternatives you can use to explore your chances to get a credit card if you earn below AED 5000. In order for you can get a credit card immediately and enjoy the real benefits that a credit card provides, it is highly recommendable you wait until your salary reaches AED 5,000.

FAQ

Can I get credit card with 4000 aed salary?

Credit card providers in the UAE do not offer credit cards to professionals with a salary below AED 5,000. If you have a salary of less than AED 4,000, initially you cannot apply for a credit card in the UAE. However, there is a way. Find it here

How can I get credit card in 3500 salary in UAE?

Credit card providers in the UAE do not offer credit cards to professionals with a salary below AED 5,000. If your salary is lower than AED 3,500, fixed deposits or personal loans might be the solution. Find more here

Can I get a credit card in UAE with 3000 salary?

Credit card providers in the UAE do not offer credit cards to professionals with a salary below AED 5,000. If you have a salary lower than AED 3,000, initially you cannot apply for a credit card in the UAE. However, there is a way. Find it here

How can I get credit card with low salary in UAE?

Credit card providers in the UAE do not offer credit cards to professionals with a salary below AED 5,000. If you have a low salary (less than AED 5,000), fixed deposits or personal loans might be the solution. Find more here