In the past few years, credit cards have become the most convenient payment method. Now that more and more people are getting used to making payments instantly by swiping a convenient plastic card, making payments without a credit card may become unimaginable in the future.
If you also wish to make your payments with just one tap or a swipe, you should consider getting a credit card. A credit card would upgrade your lifestyle and help you save on your fancy restaurant bills, travel tickets, etc.
Please note that if your salary is above 5000 AED, you can read our article on the best overall credit cards in the UAE.
Eligibility to hold a credit card
To be eligible to hold a credit card, the banks check several factors:
- Debt burden ratio
- Credit score
- Minimum salary
- Nationality
The most important factor considered by banks these days is your minimum salary. If you are considering applying for a credit card, make sure your salary is 5000 or more 5000 AED.
Best Credit cards for 5000 AED Salary
Here is a list of credit cards that require a minimum salary of 5000 AED:
1) Mashreq cashback card
Key Features
- One of the essential features of this credit card is it does not have any minimum spending thresholds. In a nutshell, you can get cash ups on your expenses from as little as AED 1/-
- Any retail cashback made with this card will be eligible for amazing cashback.
- All retail purchases made on the card will be eligible for cashback.
- Utility bills can be paid with ease. Telephone, electricity, and water bills can be made through the different payment channels of the bank. These payment channels are Mashreq online, call center, mobile banking, nearest branches, etc.
Minimum Salary
AED 5,000
Rate
3.45%
Reward Features
- Get Unlimited Cashback on all transactions
- Grab a 5% Cashback on dining spends in the UAE
- 2% Cashback on international transactions
- 1% Cashback on other local bills or expenses
- Pure savings done without any complications.
Benefits
- Travel Insurance
- Purchase Protection
- Extended Warranty
2) Emirates Islamic flex credit card
Key Features
- Get a welcome bonus Amazon voucher worth AED 500.
- Have access to 200 airport lounges or restaurant offers around the world.
- Be eligible to earn EI Smartmiles on both domestic and international spending.
- Earn and redeem unlimited miles.
- Get instant EI SMartmiles redemption at over 300 airlines and 180,000 hotels.
- Be able to shop with EI Smart Miles anywhere, anytime.
- Shop from a wide range of shopping options with an online marketplace.
- 8% discount on hotel bookings made at Hotels.com.
- Visa Luxury Hotel collection offers.
Minimum Salary
AED 5,000
Rate
3.49%
Reward Features
Earn unlimited miles and redeem with no blackout dates:
- Earn 1.25 EI SmartMiles per AED 1 on domestic spending.
- Earn 2.25 EI SmartMiles per AED 1 on international spending.
Benefits
- Golf offers
- Cinema Tickets
- Dining Offers
- Balance Transfer
- Purchase Protection
- Extended Warranty
- Contactless Tech
3) Citi Simplicity credit card
Key Features
- Citi simplicity doesn’t apply any annual fee, late payment fee, cash advance fee, or over-limit fee.
- You will get access to select airport lounges across the middle east.
- Get discounts on travel, restaurant bills, and movie tickets locally and across 95 countries.
- Make the payments of any big purchases into smaller ones with ‘Pay light.’
Minimum Salary
AED 5,000
Rate
3.50%
Reward features
This credit card doesn’t offer many discounts, but it can be an excellent option for paying debts.
Benefits:
- Dining Offers
- Balance Transfer
- Airport Lounge Access
- Easy Installment Plan
- Cash Loan
- No Cash Advance, Late or Overlimit fee
- Free for life
4) Emirates Islamic RTA credit card
Key Features
- Get an Amazon gift card worth AED 500.
- Get 10% cashback on fuel spending.
- 10% cash back on transport payments.
- You will get 2.25% cash back on international spending.
- 1.25% cash back on all other spends.
- Visa Luxury Hotel collection offers.
- Have access to over 200 airport restaurant offers across the globe.
- Avail discounts on a multitude of Golf courses across the world.
- Get complimentary movie tickets each month and avail of them on any day of the week.
- Grab an 8% discount on hotel bookings made at Hotels.com.
- Get 15% off on Emaar Entertainment attractions.
- Get purchase protection.
Minimum Salary
AED 5,000
Rate
3.49%
Reward Features
- Earn up to 1.25% cashback per AED 1 on domestic expenses.
- Earn up to 2.25% cashback per AED 1 on international transactions.
- Earn 10% cash back on fuel bills.
- Earn 10% cash back on RTA transport payments.
Benefits
- Golf offers
- Cinema Tickets
- Dining Offers
- Balance Transfer
- Purchase Protection
- Extended Warranty
These were some of the best credit card options with a salary as low as 5000 AED. But before applying for a credit card, you should consider doing in-depth research about the company you would use for.
