Minimum salary for a credit card

Are you looking for a low salary credit card? Do you know the minimum salary needed to get one? Credit cards are among the most convenient payment methods, that’s why they are currently an essential tool for everybody. Furthermore, in the UAE credit cards are one of the most preferred payment methods thanks to the benefits of credit cards offered by banks.

Every year, the number of credit card applications in the UAE increases by more than 50%. The number of credit card applications in the UAE increased by 65% in 2017 compared to the previous year, according to a survey. However, looking back to the previous year, the number of approvals has decreased due to the several checks that banks perform, such as debt-to-income ratio, creditworthiness, nationality, minimum salary, etc. when approving an application for a credit card. The first and most important factor taken into account when applying for a credit card is a person’s monthly salary/income.

Minimum salary required for a credit card in UAE

Credit card with a minimum salary of at least AED 5000

The minimum salary required to obtain a credit card in the UAE varies from bank to bank. In general, however, the minimum wage for a credit card is AED 5000 and there are several banks in the UAE that offer interesting credit cards for this salary..

Some of the best credit cards in the UAE for a salary of 5000 AED are:

  • ADIB Cashback Visa Platinum Card
  • FAB Gems Mastercard Credit Card
  • FAB Standard credit card
  • Emirates NBD Titanium Credit Card

Each of these cards offers very interesting benefits through their financial institutions, such as cashback, food discounts, travel benefits, movie discounts…

Credit card in UAE for 3000 AED in salary

Unfortunately, credit cards for a salary of AED 3,000 aren’t offered by any bank in the UAE, as the minimum income for a credit card is, by now, AED 5,000.

When used correctly, credit cards are very valuable tools, but if you don’t know how to properly use them, they can also be a nightmare. Something so important like interest rate is unknown by more than 60% of credit card holders, and around 20% of them in the UAE don’t know the affecting of missed payments to their credit cards. This leads to most credit card holders falling into the debt trap. The hardest hit is those with salaries below AED 5,000. That is one of the main reasons why banks do not offer credit cards without a lower salary of AED 5,000.

Eligibility criteria

To be aware of what can affect an applicant’s chances of getting a credit card in the UAE, pay attention to the factors below:


Although most banks offer credit cards from 21 to 60 years old, it is also possible to get a credit card when you are 18 years old if the applicant can prove his income sources.


As you may have thought, proof of income or salary is (so) mandatory to get a credit card.

Credit history

Credit score is a prerequisite to getting a credit card. When someone applies for the first time, the bank issues a credit card with limited options, being the benefits of the credit card verified on the basis of card payments. Credit score ranges from 300-900.

Proof of identity

UAE nationals must present their Emirates ID card. However, foreigners or expats need to present documents such as their passports and visa.

Proof of address

In order to obtain a credit card, a (valid) proof of address must be presented.

Requirements to obtain a credit card

After meeting the requirements, the customer must provide the necessary documents to the bank, but these issuing requirements might differ depending on the bank, as each one can have its own requirements. Here are the general requirements for issuing credit cards:

  • Valid Emirates ID and passport
  • Proof of income
  • Minimum age 18+ years
  • Have a valid UAE mobile number (for greater security, banks require a valid mobile number).