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Best Credit Card in UAE with Low Salary

Credit Card in UAE, Credit Card Dubai, Best Credit Card in Dubai, Life Time Free Credit Card

Do you want to enjoy cashless shopping without worrying about your bank balance? If yes, get a credit card in UAE and enjoy bundles of benefits and amazing discount offers. Let’s choose the best credit card in UAE with low required salary and zero annual fee.



In our previous finance blog, we’ve shared a list of best bank in UAE. This time we are here with a brief guide about how to get credit card without paying annual fee with a list of features, benefits and the most important thing, the minimum salary for credit card in UAE.

Link: Open Free Bank Account in UAE

Types of Credit Cards in UAE:

1.     Cashback credit cards
2.     Rewards credit cards
3.     Travel credit cards
4.     Movies credit cards
5.     Internet credit cards

Require Documents:

·       Credit card application form
·       Valid passport copy
·       UAE residence visa copy
·       Copy of Emirates ID or labour card.
·       Latest salary certificate or current pay slip.
·       3 months bank statement
·       Security cheque (only if asked by bank)

Best Credit Card in UAE:

Due to high competition in UAE banking sector, it is very hard to choose the best card. In our opinion the best credit card is the one that allow low salary employees to get one for them with no monthly or annual service charge. Check out the list of top ten best credit card in Dubai and rest of the country.



1.     DIB Credit Card:
Dubai Islamic Bank offering Al Islami Internet credit card with zero required salary. If you love spending money online while buying things from amazon, alibaba or looking for cheap air tickets, electronic items this DIB card is best for you.

Required Salary: AED 0
Annual Service Fee: AED 0
Monthly Fee: AED 0
Interest Rate: AED 0

Benefits and Features:
·       Best card for internet shopping.
·       No annual fees to be charge.
·       0 AED is the required monthly salary.
·       No cashback to be rewarded on this card.
·       No reward and miles program on this card.
·       1.95% of foreign currency rate applicable on international transactions.

2.     Arab Bank Credit Card:
Our second best credit card for employees getting low salaries in UAE is the Arab bank Visa Classis Credit Card that require just AED 10000 monthly salary with zero annual fee.

Required Salary: AED 10000
Monthly Fee: AED 0
Annual Fee: AED 0
Interest Rate: 3.25%
Foreign Exchange Rate: 2%

Benefits and Features:
·       Discounts at hotel bookings worldwide.
·       20% discount at AVIS worldwide.
·       Free supplementary credit cards.
·       Special discount on certain retail stores.
·       1 reward point on every 2 AED spent.
·       AED 1000 cashback on every 6000 points.
·       1% installment plan at selected stores.
·       Automatic enrollment in Arabi Reward Points.

3.     Dubai First Credit Card:
If you are looking for a credit card with benefits including both the shopping and travel discounts across the UAE, Dubai moments platinum credit card is the third best card in UAE.

Required Salary: AED 0
Annual Fee: AED 0
Interest Rate: 3.19% PM
Balance Transfer: Yes
Loan Service: Yes 

Features and Benefits:
·       Apply now and get 30,000 bonus Dubai momentos.
·       No annual fee, life time free credit card.
·       On every dirham, earn 2 Dubai momentos.
·       50% discount on cinema tickets across UAE.
·       Complementary airport lounge worldwide.
·       Complementary valet parking in Dubai and Abu Dhabi.
·       Cash advance, loan on phone and balance transfer options.
·       Easy monthly installments on purchase above AED 1000.

4.     Emirates Islamic Credit Card:
Emirates Islamic cashback and RTA credit card is the 4th most rated credit card in UAE as it earns 10% cashback on fuel spends, RTA services including salik recharge, nol card along with 2.25% cashback on other spends.

Required Salary: AED 5000
Monthly Fee: AED 0
Annual Fee: AED 0
Balance Transfer: Yes
Cash back: Yes
Interest Rate: 3.35%
FX Rate: 2.34%

Features and Benefits:
·       10% cash back on RTA services and fuel spending.
·       2.25% cash back on International spending.
·       1.25% cash back on local spending.
·       Card can be used as a NOL Card.
·       Auto top-up facility for salik.
·       Emergency legal referral service.
·       Emergency medical referral service.
·       Emergency cash replacement.
·       Emergency card replacement.
·       No miles program on this credit card.
·       Balance transfer facility available at reasonable interest rates.

5.     HSBC Credit Card:
HSBC bank offering an air miles reward card named HSBC Platinum Select Credit Card with zero monthly or annual fees along with some amazing travel and lifestyle benefits.

Required Salary: AED 5000
Monthly Fee: No
Annual Fee: No
Balance Transfer: Yes
Cash back: No
Interest Rate: 3.25%
FX Rate: 2%

Features and Benefits:
·       Air mile rewards
·       30% discount at over 400 restaurants across UAE.
·       Flexible installment plan at 0% interest rate.
·       Buy 1 get 1 free VOX cinema tickets across UAE.
·       12% off across 98,000 + hotels and vacation rentals through https://www.agoda.com/visamena
·       Complimentary HSBC entertainment smart app.
·       15% off for 4 CAREEM rides per month.

6.     Simply life Credit Card:
ADCB simply life credit card also known as simplylife cash back credit card comes with 45 days interest free period with access to MARHABA lounges at DXB airport and diamond lounges at Abu Dhabi airport.

Required Salary:
Monthly Fee: AED 0
Annual Fee: AED 0
Cashback: Yes
Balance Transfer: Yes
Foreign Currency Rate: 2.9%
Interest Rate: 3.25%

Features and Benefits:
·       Spend AED 1000 and get 1% cashback on all purchases.
·       No monthly or annual fee.
·       2 free movie tickets after completing AED 1500 of monthly purchase.
·       MARHABA and Diamond lounge access.
·       Easy installments of 6, 9, 12, 18 or 24 months.
·       Credit card loan service.
·       45 days interest free period.

7.     Emirates NBD Credit Card:
Emirates NBD bank, one of the largest banking group in the middle east owned by Dubai government has various credit card variety but as we stated above we are looking for credit cards with low required salary and for that reason we brings the Emirates NBD titanium credit card to you that gives amazing lifestyle features and benefits to its customer.

Required Salary: AED 5000
Annual Fee: AED 0
Cash back: Yes
Air Reward: Yes

Features and Benefits:
·       1 plus point on every AED 100 spend.
·       Earn 0.4% in supermarkets and groceries spends.
·       0.4% on insurance and car dealership spends.
·       Complimentary access to over 10 VIP lounges.
·       Buy 1 get 1 free offers in Middle East and Africa.
·       Earn 0.2% on fuel spends.
·       0.2% on utility payments, real estate and education spends.
·       Golf privileges at world best courses.

8.     Finance House CartNet Credit Card:
If you wanted to get a paperless free credit card in UAE without annual service charges, get finance house cartnet titanium credit card and earn up to 50% cashback with instant 400 AED on each successful referral.

Required Salary: 0 AED
Cashback: Yes
Registration Fee: 0 AED
Interest Rate: 3.33%
FX Rate: 2.85%

Features and Benefits:
·       50% cashback
·       Instant AED 400 on each successful referral.
·       Card fraud protection cover.
·       Airport lounge access in GCC.
·       Cinema ticket offers.
·       Amazing deals and offers.
·       0% EPP on all UAE Schools and selected merchants
·       Balance transfer and easy cash service

9.     Arab Bank Visa Electron Credit Card:
Visa Electron card by Arab Bank allow customer to get this credit card with 10,000 minimum salary option. Also there is no monthly or annual fee. All you need to do is to visit bank official website and apply online for an account to receive your free credit card.

Required Salary: AED 10000 
Annual Fee: AED 0
Monthly Fee: AED 0
Interest Rate: No
FX Rate: 2%
Balance Transfer: Yes

Features and Benefits:
·       Get your card with your photo
·       Internet banking service
·       Free supplementary card when you apply
·       No interest rate
·       No monthly or annual fee
·       No rewards, no miles, no cashback
·       No card issuance fees
·       High daily cash withdrawal limit
·       High daily purchase limit

10. Dubai Islamic Bank Credit Card:
If you want to apply for a credit card in UAE with daily savings option, DIB reward consumer card is specially design for you. Submit application and start saving instantly with wide range of cashback opportunities.

Required Salary: AED 5000
Annual Fee: AED 0
Monthly Fee: AED 0
Balance Transfer: Yes
Cash Back: Yes
Interest Rate: 3%
Foreign Exchange Rate: 1.95%

Features and Benefits:
·       3% cashback on supermarket and hypermarket purchases.
·       3% cashback on automobile servicing
·       3% cashback on fuel spending
·       3% cashback on utility bills such as Du & Etisalat bills
·       3% cashback on SALIK and NOL recharge
·       Additional road side assistance
·       50% cashback on movie tickets
·       No minimum spend



Important Points before buying Credit Card:

Before you buy credit card in UAE, consider below factors:

·       Check your monthly spending limit and compare which card is best for you.
·       Check the monthly and annual fee structure.
·       Check cash withdrawal charges and late payment charges.
·       It is always best to choose the cashback credit card.
·       Check your spending rewards and bonus points regularly.
·       Minimum age to get credit card in UAE is 21.
·       Best credit card in UAE is the one with low interest rates.

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