Best Credit Cards in UAE on 3500 Salary

Whether you are a UAE National or an expatriate, getting a credit card can be a great uplift for your finances. UAE banks offer credit cards on the basis of applicants’ salaries.  In most cases, the required salary is around AED 5000. However, there are banks that offer credit cards in UAE on a salary of AED 3500 or less.  So, which are these banks that offer credit cards in low salaries? Read on to find out.

1. Dubai First Bank

The Dubai First Bank was established in the year 2007.  It is a subsidiary of the First Abu Dhabi Bank. You can find a wide range of credit cards offered by this bank. 

Some of the best features and benefits of using this card are:

• Free Airport lounge access.
• Cashbacks
• Discounts on fashion accessories
• Discounts on Travel
• Discounts on Health and Wellness

Annual fee: AED 400

Minimum salary: Not applicable




2. Ajman Bank

This is an Islamic Commercial bank established in the year 2007. The bank offers a credit card with no requirement of minimum salary. 

Some of the best features and benefits of using this card are:

• 1 PowerPoint for every $1 spent
• Redemption of the points on more than 300 airlines and 300,000 hotels
• up to 100% cash withdrawal  
• Instant online banking access

Annual fee: AED 400

Minimum salary: Not applicable

3. Arab Bank

The Arab Bank has its presence in more than 5 continents all over the world. It offers a wide range of financial products among which is the Arab Bank MasterCard Titanium Credit Card. This credit card requires a minimum salary requirement of AED 1,000.

Some of the best features and benefits of using this card are:

• Free Airport lounge access.across the middle east
• Special discounts on selected retail stores.
• Credit shield insurance and fraud protection facilities
• Convenient payment plan

Annual fee: AED 300

Minimum salary: AED 1,000




4. Mawarid Finance

This is a joint-stock company offering shariah-compliant financial services. It was established in 2006 and operates in Dubai. It offers a credit card called Souhoula Saver Platinum MasterCard. There is no salary requirement to use this card.

Some of the best features and benefits of using this card are:

• Free Airport lounge access
• Easy Payment Plan
• Discounts on shopping, leisure, and entertainment.
• Discounted chauffer rides with Careem
• Up to 30% discount on travel bookings via ClearTrip.com

Annual fee: Not applicable

Minimum salary: Not applicable

5. United Arab Bank

The United Arab Bank is a private joint-stock company established in the year 1975. It offers various financial solutions including credit cards. 

Some of the best features and benefits of using this card are:

• Discounts on hotels & holidays through hotelclub.com 
• Free Airport lounge access across the world
• Multi-trip travel insurance
• 0% interest on balance transfers

Annual fee: AED 500

Minimum salary: Not applicable

6. Noor Bank

Formerly known as ‘Noor Islamic Bank’. Noor Bank is a Sharia-compliant, full-service bank offering a wide range of products and services for both corporate and personal banking, wealth management, takaful (Islamic insurance), inventory, and trade. It is located throughout the Abu Dhabi, Dubai, Sharjah and Al Ain.

• It offers cashback, discounts offers, travel benefits, gold benefits, and access to airport lounges.
• Buy 1 Get 1 free on over 900 offers on Dining and Hotel nights
• Complimentary Global Internet Calling
• Complimentary U by Emaar loyalty program membership
• Valet Parking
• Annual Fees waived

Annual Fee : AED 1000

Minimum Salary: Not applicable 

7. Emirates NBD

One of the leading banking groups in the United Arab Emirates was established in 1963. It has operations in the United Kingdom, Egypt, India, United Arab Emirates, Singapore, and Saudi Arabia.

Some of the best features of this card are: 

1. International Medical & Travel Assistance
2. 0% Interest in participating merchants
3. Low-interest rates for all your purchases
4. Instant Cash Withdrawal
5. Online Access
6. Extended Warranty
7. Contactless Payment
8. Flexible Payment Options
9. SMS Alerts
10. 6-12 Months easy installments
11. Purchase Protection
12. Protect Plus Insurance
13. Exclusive movie offers
14. 24 Hour Assistance
15. Interest-Free Days

Annual Fee: AED 700

Minimum Salary: Not Applicable 

Those were some of the best credit card providers under AED 3000 salary. Make sure to go through the provided terms and conditions before applying for credit cards from these banks.

But if you are looking for the Best Credit Cards in the UAE in 2021, we have listed and reviewed them for you. Read More!