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Rak Bank Credit Card for 3000 Salary: Everything You Need to Know

In today’s fast-paced world, having a credit card can be incredibly convenient. It allows you to make purchases online, pay bills, and even access cash when needed. But what if you have a lower salary? Is it still possible to get a credit card? The answer is yes, especially with options like the Rak Bank Credit Card tailored for individuals with a salary as low as 3000 dirhams.

Rak Bank Credit Card for 3000 Salary

The Rak Bank Credit Card for a 3000 salary is a type of credit card offered by Rak Bank, a leading bank in the United Arab Emirates (UAE). This card is designed specifically for individuals who earn a monthly salary of 3000 dirhams or more. It provides a range of benefits and features that cater to the needs of customers with lower income levels.

Key Features

  1. Low Minimum Salary Requirement: The most significant feature of the Rak Bank Credit Card for 3000 salary is its low minimum salary requirement. With a salary of just 3000 dirhams per month, you can apply for this card, making it accessible to a broader range of individuals.
  2. Cashback Rewards: This credit card offers cashback rewards on various spending categories such as groceries, dining, fuel, and utility bills. Every time you use your card for eligible purchases, you earn cashback, allowing you to save money on your everyday expenses.
  3. Flexible Payment Options: Rak Bank understands that managing finances can be challenging, especially for individuals with lower incomes. Therefore, this credit card offers flexible payment options, including the ability to pay bills in installments, helping you manage your expenses more effectively.
  4. Discounts and Offers: Cardholders can enjoy exclusive discounts and offers at partner merchants across various categories such as shopping, dining, entertainment, and travel. These discounts can help you save money and make the most out of your spending.
  5. Online and Mobile Banking: With Rak Bank’s online and mobile banking platforms, managing your credit card account has never been easier. You can track your transactions, pay bills, and manage your finances conveniently from anywhere, at any time.
  6. Security Features: Rak Bank prioritizes the security of its customers’ financial information. Therefore, the credit card comes with advanced security features such as EMV chip technology and SMS alerts for transactions, providing you with peace of mind against fraudulent activities.

How to Apply

Applying for the Rak Bank Credit Card for a 3000 salary is straightforward. You can visit the Rak Bank website or one of their branches to fill out an application form. Alternatively, you can apply online through the bank’s website or mobile app. Make sure to have all the required documents ready, including proof of income, identification, and address verification.


The Rak Bank Credit Card for 3000 salary is an excellent option for individuals with lower incomes who are looking for a reliable and convenient payment solution. With its low minimum salary requirement, attractive rewards, flexible payment options, and robust security features, this credit card offers great value for money. If you meet the eligibility criteria, consider applying for the Rak Bank Credit Card and start enjoying its benefits today.


  1. What is the minimum salary requirement to apply for an RAK Bank credit card?

The minimum salary requirement to apply for an RAK Bank credit card is AED 3,000.

  1. Can I apply for an RAK Bank credit card if my salary is less than AED 3,000?
    No, unfortunately, you must meet the minimum salary requirement of AED 3,000 to be eligible for an RAK Bank credit card.
  1. What types of credit cards does RAK Bank offer for individuals with a salary of AED 3,000?

RAK Bank offers a range of credit cards suitable for individuals meeting the AED 3,000 salary requirement. These cards may include options such as cashback cards, rewards cards, or even cards with travel benefits.

  1. Are there any additional eligibility criteria besides the salary requirement?
    Yes, besides the minimum salary requirement, applicants must meet other criteria such as UAE residency, age, and employment status. They should also have a clean credit history.
  2. What documents do I need to apply for a RAK Bank credit card with a salary of AED 3,000?

To apply for an RAK Bank credit card, you typically need to provide copies of your Emirates ID, passport, visa, salary certificate, and bank statements.

Can I Use My Indian Credit Card in Dubai? 

As global travel becomes more accessible and seamless, individuals often wonder about the compatibility of their financial tools abroad. For Indian travelers journeying to Dubai, a common query arises: can I use my Indian credit card in Dubai? Navigating the international financial landscape can be daunting, but understanding the compatibility of your credit card is crucial for a hassle-free experience. In this comprehensive guide, we will delve into the intricacies of using an Indian credit card in Dubai, exploring acceptance, fees, security measures, and tips for maximizing convenience.

Can I Use My Indian Credit Card in Dubai?

Indian credit cards are generally accepted in Dubai, especially in establishments frequented by tourists and expatriates. Dubai is a global hub for tourism and business; thus, most merchants, hotels, restaurants, and retail outlets readily accept international credit cards, including those issued in India. Visa and Mastercard are widely used networks in Dubai, followed by American Express and Discover, albeit with slightly less ubiquity. However, it’s prudent to carry a backup payment method such as cash or a secondary card, as acceptance may vary among smaller establishments or those in less touristy areas.

Transaction Fees and Currency Conversion

Using an Indian credit card in Dubai incurs certain fees, primarily associated with foreign transactions and currency conversion. Banks typically charge a foreign transaction fee ranging from 1% to 3% on each transaction made abroad. Additionally, when a transaction is conducted in a currency other than Indian Rupees (INR), the amount is converted using the prevailing exchange rate, often with a markup. It’s advisable to check with your bank regarding their specific foreign transaction fees and currency conversion rates to understand the cost implications of using your card in Dubai.

Security Considerations

While using your Indian credit card in Dubai, prioritizing security is paramount to safeguard against fraudulent activities. Ensure your card has EMV chip technology, which provides enhanced security features compared to traditional magnetic stripe cards. Additionally, activate transaction alerts and regularly monitor your account activity through online banking or mobile apps. In the event of loss or theft, promptly report it to your bank to prevent unauthorized transactions. Moreover, refrain from sharing your card details or PIN with anyone and exercise caution when using ATMs or making online purchases.

Tips for Smooth Transactions

To optimize your experience when using your Indian credit card in Dubai, consider the following tips:

  1. Notify your bank: Before traveling to Dubai, inform your bank about your itinerary to prevent any potential blocks on your card due to suspicious international activity.
  2. Carry multiple cards: Carry at least two credit cards issued by different banks to mitigate the risk of being stranded without a functional payment method in case of card-related issues.
  3. Opt for local currency: When prompted to choose between paying in Indian Rupees or UAE Dirhams (AED) at point-of-sale terminals, opt for AED to avoid dynamic currency conversion fees.
  4. Use reputable ATMs: Stick to ATMs affiliated with major banks or located within reputable establishments to minimize the risk of card skimming or fraudulent activities.


In conclusion, using an Indian credit card in Dubai is generally feasible and convenient, given the city’s status as a global financial and tourist destination. However, travelers should be mindful of transaction fees, currency conversion rates, and security considerations to ensure a seamless and secure payment experience. By understanding these nuances and implementing practical tips, Indian travelers can confidently navigate the financial landscape of Dubai while enjoying their visit to the fullest.


  1. Can I use my Indian credit card for transactions in Dubai?

Yes, in most cases, you can use your Indian credit card for transactions in Dubai. Many establishments, including shops, restaurants, hotels, and online retailers, accept international credit cards, including those issued by Indian banks.

  1. Are there any specific requirements or restrictions for using my Indian credit card in Dubai?

Generally, there are no specific requirements or restrictions for using your Indian credit card in Dubai. However, it’s advisable to inform your bank about your travel plans to prevent any potential issues with international transactions being flagged as suspicious activity.

  1. Will I incur any additional fees or charges when using my Indian credit card in Dubai?

Depending on your bank and the type of credit card you have, you may incur foreign transaction fees or currency conversion charges when using your Indian credit card in Dubai. It’s essential to check with your bank beforehand to understand the applicable fees.

  1. Can I withdraw cash from ATMs in Dubai using my Indian credit card?

Yes, you can typically withdraw cash from ATMs in Dubai using your Indian credit card. However, similar to card transactions, you may incur foreign transaction fees or currency conversion charges for ATM withdrawals. It’s advisable to check with your bank regarding any specific limitations or fees for international ATM transactions.

Dubai Islamic Bank Loans for Individuals Earning AED 2500 Salary

Cheerful young executive using credit card and enjoying convenient service. Happy handsome businessman showing plastic card and looking at camera. Banking concept

Dubai Islamic Bank (DIB) offers various financial products and services tailored to the needs of its customers. Among these offerings are personal loans designed to assist individuals with different financial requirements. For those earning a monthly salary of AED 2500, DIB provides accessible loan options to meet their needs. Let’s delve deeper into understanding these loans and the process involved.

Get a Loan from Dubai Islamic Bank with 2500 Salary

A Dubai Islamic Bank loan is a financial product where the bank provides a certain amount of money to an individual with an agreement that the borrower will repay the loan amount along with applicable interest within a specified period. These loans can be utilized for various purposes such as education, medical expenses, home renovation, or any other personal need.

Eligibility Criteria

To be eligible for a loan from Dubai Islamic Bank, individuals must meet certain criteria. For those earning a salary of AED 2500 per month, specific requirements include:

  1. Minimum Age: The applicant must be at least 21 years old at the time of application.
  2. Employment Status: The applicant should be a permanent employee with a stable job, preferably with a minimum of six months’ continuous employment.
  3. Salary Requirement: The minimum monthly salary requirement for this particular loan is AED 2500.
  4. Documents: Applicants need to provide necessary documents such as valid identification proof, salary certificate, bank statements, and other documents as requested by the bank.

Loan Features

Dubai Islamic Bank offers several features tailored to meet the needs of individuals earning AED 2500 per month:

  1. Loan Amount: The loan amount available typically depends on various factors such as the applicant’s income, credit history, and repayment capacity. For individuals earning AED 2500 monthly, the loan amount might be limited compared to those with higher incomes.
  2. Flexible Repayment Tenure: DIB offers flexible repayment periods, allowing borrowers to choose a tenure that suits their financial situation. The tenure can range from 12 months to several years, depending on the loan amount and agreement terms.
  3. Competitive Profit Rates: Instead of interest, Islamic banks charge a profit rate on loans. Dubai Islamic Bank offers competitive profit rates, ensuring affordability for borrowers.
  4. Quick Approval Process: DIB aims to provide a hassle-free experience for loan applicants. Once all necessary documents are submitted, the bank processes the application promptly, providing quick approval or rejection, enabling customers to meet their urgent financial needs efficiently.
  5. Sharia-compliant Financing: Being an Islamic bank, DIB follows Sharia principles in all its financial transactions, ensuring that its products and services comply with Islamic law.

How to Apply for it?

Applying for a Dubai Islamic Bank loan for individuals earning an AED 2500 salary involves the following steps:

  1. Research: Start by researching the various loan options offered by Dubai Islamic Bank, considering factors such as profit rates, repayment tenures, and eligibility criteria.
  2. Documentation: Gather all necessary documents required for the loan application, including identification proof, salary certificate, bank statements, and any other documents specified by the bank.
  3. Application Submission: Visit the nearest Dubai Islamic Bank branch or apply online through the bank’s official website. Complete the loan application form and submit it along with the required documents.
  4. Verification and Approval: Once the application is submitted, the bank verifies the provided information and assesses the applicant’s eligibility. If everything meets the criteria, the loan is approved, and the borrower is informed accordingly.
  5. Disbursement: Upon approval, the loan amount is disbursed to the borrower’s bank account, allowing them to use it for their intended purpose.


Dubai Islamic Bank offers accessible loan options for individuals earning a monthly salary of AED 2500. These loans provide financial assistance to meet various personal needs while adhering to Islamic principles. By understanding the eligibility criteria, features, and application process, individuals can make informed decisions when availing themselves of these loans. However, it’s essential to borrow responsibly and ensure timely repayment to avoid financial strain.


1. Can I apply for a loan from Dubai Islamic Bank if my salary is AED 2500?

Yes, Dubai Islamic Bank offers personal finance options for individuals earning a minimum monthly salary of AED 2500. However, eligibility criteria may vary depending on factors such as your employment status, credit history, and other financial obligations.

2. What types of loans are available for individuals with a salary of AED 2500 at Dubai Islamic Bank?

Dubai Islamic Bank provides various financing solutions tailored to meet the diverse needs of customers. Some common types of loans include personal finance, auto finance, and credit cards. You can discuss your requirements with the bank representative to find the most suitable option for you.

3. What are the requirements to apply for a loan with Dubai Islamic Bank if my salary is AED 2500?

While the specific requirements may vary, generally, you’ll need to provide documents such as a valid Emirates ID, passport copy, salary certificate, and bank statements. Additionally, you may need to meet the bank’s age criteria and have a stable employment history.

4. Can I apply for a loan if I have a low credit score or no credit history?

Dubai Islamic Bank evaluates each loan application individually. While having a good credit score can improve your chances of approval, individuals with a low credit score or no credit history may still be considered for a loan. However, this may be subject to additional terms and conditions.

Emirates NBD Credit Card for a 5000 Salary

Online payment and shopping concept. Businesswoman sitting in cafe with credit card and mobile phone, purchase something in internet or transfer money.

In today’s fast-paced world, having a credit card can be incredibly convenient. One such offering is the Emirates NBD credit card designed for individuals earning a monthly salary of 5000 AED or more. Let’s delve into what this credit card entails and how it can benefit you.

Emirates NBD Credit Card for a 5000 Salary

The Emirates NBD credit card for a 5000 AED salary bracket is crafted to cater to individuals with varying financial needs and lifestyles. It’s structured to provide a plethora of benefits while ensuring ease of use and management. Here’s a breakdown of its key features:

1. Eligibility Criteria

To qualify for this credit card, you need to meet certain eligibility criteria, primarily having a minimum monthly salary of 5000 AED. Additionally, you must be a UAE resident and meet Emirates NBD’s internal credit scoring requirements.

2. Credit Limit

Upon approval, you’ll be assigned a credit limit based on your income, credit history, and other factors. This limit dictates the maximum amount you can spend using the card. With responsible usage and timely payments, you may be eligible for credit limit increases over time.

3. Benefits and Rewards

Emirates NBD understands the importance of rewarding its customers. With this credit card, you can enjoy an array of benefits, including:

  • Loyalty Points: Earn reward points for every dirham spent using the card. These points can be redeemed for various rewards, such as airline tickets, hotel stays, shopping vouchers, and more.
  • Discounts: Avail discounts and special offers at partner merchants, ranging from dining and entertainment to travel and lifestyle purchases.
  • Travel Benefits: Access to airport lounge facilities, complimentary travel insurance, and exclusive discounts on flights and hotel bookings.
  • Cashback: Some variants of the Emirates NBD credit card offer cashback on specific categories such as groceries, dining, fuel, etc.
  • Payment Flexibility: Enjoy the convenience of flexible payment options, including installment plans for large purchases, to manage your expenses more effectively.

4. Security Features

Emirates NBD prioritizes the security of its customers’ transactions. Their credit cards come equipped with advanced security features, including EMV chip technology, SMS alerts for transactions, and 3D Secure for online purchases, ensuring peace of mind against fraudulent activities.

5. Digital Banking Integration

Manage your credit card account seamlessly through Emirates NBD’s online and mobile banking platforms. Monitor transactions, pay bills, set spending limits, and track rewards effortlessly, all from the convenience of your fingertips.


The Emirates NBD credit card tailored for individuals with a monthly salary of 5000 AED or more is a valuable financial tool, designed to enhance your purchasing power and lifestyle. With its benefits, rewards, and security features, it provides a convenient and secure means of managing your finances. However, it’s crucial to use credit responsibly, ensuring timely payments to avoid accruing interest and maintaining a healthy credit score.

If you meet the eligibility criteria and are looking for a reliable credit card that complements your financial goals and lifestyle, consider exploring the Emirates NBD credit card offerings. Unlock the potential of financial freedom and enjoy the convenience and flexibility that come with it.


1. How can I apply for the Emirates NBD Credit Card for 5000 Salary?

You can apply for the Emirates NBD Credit Card for 5000 Salary online through the Emirates NBD website or by visiting a branch. You will need to provide necessary documents such as proof of identity, residence, and income.

2. Is there an annual fee for the Emirates NBD Credit Card for 5000 Salary?

Annual fees may vary depending on the specific card variant and the offers available at the time of application. Some cards may have no annual fees for the first year or offer waivers based on spending criteria.

3. Can I increase my credit limit on the Emirates NBD Credit Card for 5000 Salary?

Yes, you may request a credit limit increase on your Emirates NBD Credit Card for 5000 Salary. The bank will review your financial profile and creditworthiness before approving any increase.

4. What happens if I fail to meet the minimum monthly salary requirement?

If you fail to maintain the minimum monthly salary requirement, you may be subject to additional fees, penalties, or account restrictions. It’s important to stay updated with the terms and conditions of your credit card to avoid any inconvenience.

Purchase Offers on Emirates NBD Credit Card Card

Emirates NBD, one of the leading banks in the United Arab Emirates (UAE), offers a range of credit cards tailored to different lifestyles and needs. Among its offerings, the Emirates NBD Credit Card Gold stands out for its exclusive benefits and purchase offers. Let’s delve into what makes this card a valuable asset for savvy shoppers and how you can make the most of its features.

Purchase Offers on Emirates NBD Credit Card Gold

Emirates NBD Gold Credit Card is designed to cater to the diverse needs of individuals seeking financial flexibility and rewards. One of its standout features is the array of purchase offers tailored to enhance your shopping experience. From discounts at your favorite stores to exclusive deals on luxury items, this credit card ensures that every purchase you make is not just a transaction but an opportunity to save and indulge.

Key Features and Benefits

  1. Purchase Offers: One of the primary attractions of the Emirates NBD Credit Card Gold is its array of purchase offers. These offers may include discounts, cashback, or bonus rewards points when you use your card to make purchases at select merchants or within specific categories such as dining, shopping, travel, and entertainment.
  2. Exclusive Discounts: Cardholders may enjoy exclusive discounts at partner merchants, both online and offline. These discounts can range from special deals on fashion brands to discounts on electronics, dining experiences, and more.
  3. Flexible Payment Options: The Emirates NBD Credit Card Gold offers flexible payment options, including installment plans with 0% interest, allowing you to spread the cost of your purchases over time without incurring additional charges.
  4. Rewards Program: In addition to purchase offers, the card is typically part of Emirates NBD’s rewards program, which enables cardholders to earn points for every dirham spent using the card. These points can be redeemed for a variety of rewards, including travel vouchers, shopping vouchers, and cashback.
  5. Travel Benefits: Depending on the specific offer, Emirates NBD Credit Card Gold holders may also enjoy travel-related perks such as complimentary airport lounge access, travel insurance coverage, and discounts on flights, hotels, and car rentals.

Make the Most of Emirates NBD Credit Card Gold Purchase Offers

  1. Stay Informed: Keep an eye out for promotional emails, SMS alerts, or notifications from Emirates NBD regarding the latest purchase offers available to Gold cardholders. These offers are often updated regularly, so staying informed ensures you don’t miss out on any opportunities to save.
  2. Plan Your Purchases: Take advantage of purchase offers by strategically planning your shopping trips. If a specific category or merchant is offering a discount or bonus rewards points, consider timing your purchases accordingly to maximize savings.
  3. Use Your Card Wisely: Make it a habit to use your Emirates NBD Credit Card Gold for everyday purchases to accumulate rewards points faster. However, always remember to spend within your means and avoid unnecessary splurges just to earn rewards.
  4. Explore Partner Merchants: Familiarize yourself with the list of partner merchants where you can avail of exclusive discounts and offers. Whether you’re shopping for clothing, electronics, groceries, or dining out, there may be opportunities to save by using your Gold card at participating establishments.
  5. Read the Fine Print: Before availing of any purchase offer, make sure to read the terms and conditions carefully. Pay attention to factors such as minimum spend requirements, validity periods, and any exclusions or limitations that may apply.


The Emirates NBD Credit Card Gold opens up a world of opportunities for cardholders to save money and enjoy added perks on their purchases. By leveraging the purchase offers, rewards program, and other benefits associated with the card, you can make your shopping experience more rewarding and enjoyable. Remember to use your card responsibly and explore the various ways you can maximize its benefits to suit your lifestyle and preferences.


1. What are Emirates NBD Credit Card Gold Purchase Offers?

Emirates NBD Credit Card Gold Purchase Offers are exclusive deals and discounts available to Emirates NBD credit cardholders when they use their card to purchase gold from select merchants.

2. How do I access these offers?

Simply use your Emirates NBD credit card to make a gold purchase at participating merchants. The offers are usually automatically applied, but it’s always a good idea to check the terms and conditions for specific details.

3. Which merchants participate in these offers?

Participating merchants can vary depending on current promotions. Generally, you can find these offers at reputable gold jewelry stores and retailers partnered with Emirates NBD. Check the bank’s website or mobile app for the latest list of participating merchants.

4. What types of offers can I expect?

Offers may include discounts on gold purchases, cashback rewards, zero-interest installment plans, or bonus loyalty points. The specific offers available at any given time can vary, so it’s advisable to check the latest promotions.

Emirates NBD Titanium Credit Card Lounge Access

Close up shot of African man's hands holding mobile and credit card. Dark-skinned businessman checking account balance, using online banking application on his cell phone, drinking coffee at cafe

For travelers who hold the Emirates NBD Titanium Credit Card, the journey through airports has been made more comfortable and luxurious, thanks to the exclusive lounge access privileges that come with this prestigious card. In this article, we’ll delve into the comprehensive lounge access list available to Emirates NBD Titanium Credit Cardholders.

Emirates NBD Titanium Credit Card Lounge Access

Emirates NBD, one of the leading banking institutions in the United Arab Emirates, offers an array of credit cards catering to diverse needs and preferences. Amongst its prestigious lineup, the Titanium Credit Card stands out as an emblem of luxury and sophistication. Beyond its conventional features of cashback rewards, flexible payment options, and worldwide acceptance, the Titanium Credit Card elevates the travel experience of its holders through complimentary lounge access.

Accessing Lounge Benefits

Accessing lounge benefits with the Emirates NBD Titanium Credit Card is a seamless and hassle-free process. Cardholders simply need to present their Titanium Credit Card at participating lounges to enjoy complimentary access. Additionally, some lounges may require prior registration or reservations, ensuring a personalized and curated experience for cardholders.

The Benefits of Lounge Access

Lounge access redefines the travel experience, offering a sanctuary of comfort and convenience amidst the chaos of airports. Whether embarking on a leisurely vacation or a crucial business trip, lounge access provides an oasis where travelers can unwind, indulge in gourmet cuisine, access high-speed Wi-Fi, and avail themselves of exclusive amenities. For frequent travelers, lounge access serves as a vital asset, enhancing productivity and well-being during transit.

The Extensive Lounge Network

The Emirates NBD Titanium Credit Card grants its holders access to a distinguished network of lounges spanning the globe. From bustling international airports to regional hubs, cardholders can savor the luxury of lounge amenities across continents. The lounge network encompasses renowned brands such as:

  1. Priority Pass Lounges: Priority Pass, the world’s largest independent airport lounge access program, extends its hospitality to Emirates NBD Titanium Credit Card holders. With over 1300 lounges in more than 600 cities worldwide, Priority Pass offers unparalleled access to comfort and luxury.
  2. Marhaba Lounges: Exclusively designed for travelers seeking premium hospitality, Marhaba Lounges epitomize elegance and sophistication. With locations in major airports across the Middle East, Asia, and Europe, Marhaba Lounges provides Emirates NBD Titanium Credit Card holders with a haven of tranquility and refinement.
  3. Airport Hotel Lounges: For travelers seeking a luxurious retreat within airport premises, Airport Hotel Lounges offers unparalleled comfort and convenience. From plush seating areas to rejuvenating spa services, these lounges redefine the concept of transit relaxation.


In a world characterized by mobility and connectivity, the Emirates NBD Titanium Credit Card stands as a beacon of luxury and convenience for discerning travelers. Through its complimentary lounge access program, the Titanium Credit Card transforms the travel experience, offering a sanctuary of comfort amidst the chaos of transit. 

With a distinguished network of lounges spanning the globe, cardholders can indulge in the finest hospitality, ensuring that every journey is imbued with opulence and refinement. Embrace the privilege of lounge access with the Emirates NBD Titanium Credit Card, and unlock a world of luxury beyond borders.


1. What is the Emirates NBD Titanium Credit Card lounge access benefit?

The Emirates NBD Titanium Credit Card offers complimentary access to airport lounges worldwide. This benefit allows cardholders to relax and enjoy various amenities while waiting for their flights.

2. How many lounges can I access with the Emirates NBD Titanium Credit Card?

Cardholders have access to over 1000 airport lounges globally, providing a wide range of options regardless of their travel destination.

3. Are there any limitations on the number of visits to lounges per year?

Depending on the specific terms and conditions of the Emirates NBD Titanium Credit Card, there may be limitations on the number of complimentary visits per year. It’s essential to review the card’s benefits guide or contact customer service for precise details.

4. Can I bring guests into the lounge with my Emirates NBD Titanium Credit Card?

Some Emirates NBD Titanium Credit Cards offer complimentary guest access to lounges. However, the number of guests allowed and any associated charges may vary. It’s advisable to check the terms and conditions of your specific card for details.

Free Airport Transfer Credit Card UAE

Credit card payment, buy and sell products & service,selective focus

Searching for the perfect credit card in the UAE that suits your lifestyle can be daunting. Below, we explore some of the most popular options, highlighting their features, pros, cons, and more, to help you make an informed decision.

Free Airport Transfer Credit Cards in the UAE

1.Commercial Bank of Dubai (CBD) Super Saver Credit Card

  • Minimum Salary Requirement: AED 5,000
  • Annual Fee: First year free
  • Key Features: Cashback, airport lounge access, movie discounts, valet parking, golf benefits
Pros Cons
First year free Annual fee applicable from the second year
Multiple lifestyle benefits High minimum salary requirement


For those who enjoy both the practical and leisure aspects of life, the CBD Super Saver card offers a variety of benefits including airport transfers, making it a versatile option for diverse needs.

2. Emirates NBD Mastercard Titanium Credit Card

  • Minimum Salary Requirement: AED 5,000
  • Annual Fee: Free for life
  • Key Features: Lifestyle benefits, airport lounge access, golf benefits, travel benefits
Pros Cons
Extensive travel benefits including free airport transfers High spending required to maximize benefits


For frequent travelers, the Emirates NBD Mastercard Titanium offers comprehensive travel-related perks, including free airport transfers, which can make your travels more comfortable and enjoyable.

3. Citibank Citi Simplicity Card

  • Minimum Salary Requirement: AED 5,000
  • Annual Fee: Free for life
  • Key Features: Dining discounts, travel insurance, purchase protection & extended warranty
Pros Cons
Comprehensive protection features May not provide direct cashback or rewards points


With its focus on protection and security, this card is best for those who value peace of mind in their purchases and travel experiences.

4. Abu Dhabi Commercial Bank (ADCB) LULU Titanium Credit Card

  • Minimum Salary Requirement: AED 5,000
  • Annual Fee: Free for life
  • Key Features: Lifetime free, lifestyle benefits, airport lounge access
Pros Cons
No annual fee ever Benefits primarily tailored to LULU shoppers
Includes airport lounge access May not offer as many diverse perks as other cards


For those who frequently shop at LULU and travel, the ADCB LULU Titanium card offers a compelling mix of shopping and travel benefits, all without any annual fee, making it a cost-effective option for loyal customers.

Which is the Best Option?

Choosing the best credit card depends on your personal spending habits and lifestyle needs. For frequent travelers, the Emirates NBD Mastercard Titanium Credit Card offers comprehensive travel and lifestyle benefits, making it a top contender. For those who prefer dining and lifestyle perks, the CBD Visa Platinum Card provides a wide range of discounts and offers.

Each card has its unique advantages tailored to different lifestyle needs, ensuring there’s a card for everyone. Whether it’s for travel, dining, or entertainment, the right card can enhance your spending efficiency and provide significant value.

Increase Your ADCB Credit Card Limit

Do you know how to increase your ADCB credit card limit? And why it’s essential to maintain a good credit score? We’ve got you covered! Increasing your credit limit on your ADCB credit card can offer you more financial flexibility and potentially improve your credit score. Not only will this guide provide you with actionable steps to request a higher limit, but it will also delve into the importance of a good credit score and how it relates to your credit limit.

How to Increase Your ADCB Credit Card Limit?

Yes, you can increase your ADCB credit card limit. By following a series of strategic steps, you can enhance your chances of approval for a higher credit limit.

Ready to boost your credit limit? Follow these detailed steps to enhance your chances of approval:

  1. Maintain a Stellar Credit Score: A high credit score is a green flag for lenders, indicating responsible credit management.
  2. On-time Bill Payments: Show ADCB your reliability by never missing a payment deadline. Consider setting up automatic payments as a fail-safe.
  3. Minimize Existing Debt: Lowering your debt-to-income ratio by paying off existing balances showcases your financial stability.
  4. Boost Your Income: A higher income can sway the bank’s decision in your favor. Keep documentation of any salary raises or additional income sources handy.
  5. Utilize Your Card Regularly: Frequent, responsible card use within your current limit demonstrates to ADCB your capability to handle more credit.
  6. Formally Request an Increase: If you’ve adhered to the above steps, reach out to ADCB via customer service or their online banking portal to request a higher limit. Be prepared with any required documentation.
  7. Monitor Your Spending: Keep your spending in check. Responsible spending habits are key to managing a higher credit limit effectively.
  8. Patience and Persistence: Increasing your credit limit is a process that may require time. Stay diligent with your credit habits and periodically inquire about increasing your limit.

Importance of a Good Credit Score

A robust credit score is your ticket to financial flexibility, acting as a testament to your creditworthiness. Here’s how you can maintain it:

  • Timely Payments: Consistently paying your bills on time is crucial. Late payments can tarnish your credit score, signaling potential risk to lenders.
  • Low Credit Utilization: Aim to use less than 30% of your available credit. This demonstrates that you can manage your credit wisely without maxing out your resources.
  • Regular Credit Report Checks: Keep an eye on your credit report. This allows you to spot and rectify any inaccuracies that might drag down your score.


1. What are the eligibility criteria for increasing my ADCB credit card limit?

ADCB considers factors like your credit history, income, repayment behavior, and current credit utilization.

2. How often can I request a credit limit increase?

It’s advisable to wait at least six months between requests to show responsible credit usage.

3. Will requesting a credit limit increase affect my credit score?

A hard inquiry might temporarily impact your score, but a higher limit managed well can positively affect your credit utilization ratio and score over time.


Increasing your ADCB credit card limit is a strategic process that requires a combination of good financial habits and proactive communication with your bank. By following the steps outlined in this guide, you can enhance your chances of securing a higher credit limit, thereby gaining more financial flexibility and potentially improving your credit score. Remember, patience and persistence are key in this journey.

The Best Credit Card for School Fees in the UAE

In the United Arab Emirates (UAE), education is a priority for many families, but the costs associated with schooling can be substantial. From tuition fees to extracurricular activities and supplies, parents often seek financial solutions to manage these expenses efficiently. One option gaining popularity is utilizing credit cards specifically designed for school fee payments. In this article, we’ll explore the features, benefits, and considerations of choosing the best credit card for school fees in the UAE.

Best Credit Card for School Fees in the UAE

Education costs in the UAE can be significant, particularly for expatriate families. With diverse curriculums and a range of schooling options, expenses can quickly add up. Whether it’s international school fees, uniforms, textbooks, or exam fees, parents face the challenge of managing these costs while ensuring quality education for their children. 

Credit cards tailored for school fee payments offer convenience, flexibility, and potential rewards, making them an attractive choice for many.

1. Emirates Islamic Cashback Credit Card

Price: Free for the first year

Rating: 4.5/5


  • Up to 10% cashback on school fees and educational expenses.
  • No annual fee for the first year.
  • Complimentary roadside assistance.

Pros & Cons

Pros Cons
High cashback on education expenses High minimum spend to achieve maximum cashback
No annual fee for the first year Limited benefits outside of cashback


This card is a strong contender for those prioritizing cashback on school fees, offering substantial savings, especially for larger families or those with significant educational expenses.

2. FAB Etihad Guest Visa Infinite Credit Card

Price: AED 2,500

Rating: 4/5


  • Earn Etihad Guest Miles on all spending, including school fees.
  • Complimentary airport lounge access and travel insurance.
  • Discounts on dining and entertainment.

Pros & Cons

Pros Cons
Earn miles on every spend High annual fee
Travel and lifestyle benefits Miles’ earning rate on school fees could be better


For families that travel frequently and value lifestyle benefits alongside managing school fees, this card offers a blend of rewards that can enhance both educational and travel experiences.

3. ADCB SimplyLife Family Credit Card

Price: Free

Rating: 4.2/5


  • Cashback on education, groceries, and healthcare.
  • No annual fee.
  • Simple rewards program.

Pros & Cons

Pros Cons
No annual fee Cashback cap on education expenses
Broad cashback categories Requires a minimum monthly spend


This card is ideal for families looking for a no-frills, cost-effective way to earn cashback on school fees and other daily expenses, offering value without the burden of an annual fee.

4. Emirates NBD GEMS Titanium Credit Card

Price: Subject to the bank’s criteria

Rating: 4.3/5


  • Exclusive rewards and discounts on the GEMS education network.
  • Complimentary GEMS Rewards membership.
  • Discounts at participating schools.

Pros & Cons

Pros Cons
Targeted benefits for GEMS network Limited to GEMS network schools
Additional lifestyle discounts May not be beneficial for non-GEMS parents


For parents with children in the GEMS education network, this card offers unmatched value through exclusive discounts and rewards, making it a top choice for specific educational needs.


Managing school fees in the UAE can be challenging, but choosing the right credit card can ease the financial burden while providing additional benefits and rewards. Before selecting a credit card for school fees, carefully evaluate the features, rewards, fees, and charges to ensure that they align with your financial needs and goals. By leveraging the right credit card, you can effectively manage education expenses and make the most of your spending.

Best Credit Cards for Utility Bill Payments in the UAE

With the myriad of credit card options available today, choosing the right one for utility bill payments in the UAE can be a daunting task. This article aims to simplify your decision-making process by highlighting the top credit cards that offer exceptional benefits for paying your utility bills. From cashback to rewards, we’ve got you covered.

Best Credit Cards for Utility Bill Payments

1. ADCB Talabat Credit Card

Price: Free for Life

Rating: 4.5/5


  • Minimum Salary Requirement: AED 5,000
  • Annual Fee: Free for Life
  • AED 500 Welcome Bonus
  • Unlimited free delivery on Talabat

Pros & Cons

Pros Cons
Free annual fee Limited to Talabat services
Welcome bonus Minimum salary requirement


This card is ideal for frequent Talabat users, offering significant savings on food delivery. However, its benefits are niche and best suited for specific users.

2. ADCB 365 Cashback Credit Card

Price: 1st Year Free, AED 365 + VAT from 2nd year onwards

Rating: 4.2/5


  • Minimum Salary Requirement: AED 8,000
  • Annual Fee: 1st Year Free, AED 365 + VAT from 2nd year
  • Welcome Bonus
  • Movie, Dining, and Hotel Discounts

Pros & Cons

Pros Cons
Comprehensive discounts Annual fee from the second year
Welcome bonus High minimum salary requirement


With its array of discounts and bonuses, this card offers great value, especially in the first year. It’s a solid choice for those who can meet the salary requirement.

3. Citibank Citi Cashback Card

Price: 1st Year Free

Rating: 4.7/5


  • Minimum Salary Requirement: AED 8,000
  • Annual Fee: 1st Year Free
  • Cashback on all purchases
  • Airport Lounge Access and Dining Discounts

Pros & Cons

Pros Cons
Generous cashback program Annual fee applicable from the second year
Additional perks like lounge access Requires a high minimum salary


This card is a standout for its cashback program and additional perks. It’s well-suited for those looking to maximize their returns on everyday spending.

4. Commercial Bank of Dubai Visa Platinum Card

Price: Free for Life

Rating: 4.3/5


  • Minimum Salary Requirement: AED 5,000
  • Annual Fee: Free for Life
  • Lifestyle Benefits, Movie, and Dining Discounts

Pros & Cons

Pros Cons
No annual fee Limited to specific discounts
Good for lifestyle perks Minimum salary requirement could be a barrier


For those seeking a no-fee card with lifestyle perks, this is an excellent option. Its benefits are best enjoyed by those who frequently dine out or go to the movies.

5. Citibank Citi Simplicity Card

Price: Free for Life

Rating: 4.6/5


  • Minimum Salary Requirement: AED 5,000
  • Annual Fee: Free for Life
  • Dining Discounts, Travel Insurance

Pros & Cons

Pros Cons
No annual fee and dining discounts The benefits are relatively basic
Includes travel insurance May not offer as much value for non-diners


The Citi Simplicity Card is a great no-frills option for those who value simplicity and savings on dining. Its lack of an annual fee makes it an attractive choice for the budget-conscious.

Which is the Best Option?

Choosing the best credit card for utility bill payments in the UAE depends on your specific needs and spending habits. For comprehensive benefits and cashback, the Citibank Citi Cashback Card stands out. However, for those seeking specific perks like dining discounts or Talabat deliveries, the ADCB Talabat Credit Card and the Commercial Bank of Dubai Visa Platinum Card offer targeted benefits. Consider your financial situation and preferences to select the card that offers the most value to you.

Private Money Lenders in Abu Dhabi 

One can not expect when they might need money for an emergency or for wanting to buy something. In those cases, having some excess cash becomes very important for leading life in a more fulfilling way. 

But we can rarely arrange for excess money at the drop of a hat. We must borrow it from somewhere. Now we can go to banks for help, however, their interest rates might not cater to everyone along with their many rules. This is why private money lenders in Abu Dhabi are so commonly found and utilized for their services. 

Thus, in this article, we shall discuss some private lenders in Abu Dhabi who can become helpful when in need. 

Private Money Lenders in Abu Dhabi 

Now, before listing out some establishments from which you can get money, we must inform you that private money lending in all of UAE, including Abu Dhabi, is illegal. Thus, we advise you to choose this option only if you are in grave need of funds and, for some reason, can not go to a bank for a loan. 

1. Abu Dhabi Finance

Abu Dhabi Finance is a mortgage lender in Abu Dhabi, United Arab Emirates. They have a 4.1 rating on Google from 9 reviews. 

Call Here – +971 800 233

2. Finance House

Finance House is a financial institution in Abu Dhabi, United Arab Emirates. They have a respectable 3.6 rating on Google from 75 reviews. You can get a loan of up to AED 100,000. 

Call Here – +971 600 511114

Website https://www.financehouse.ae/

3. Reem Finance

Founded in 2007, Reem Finance is a leading financial solutions partner licensed by the Central Bank of the UAE. They have a respectable 4 rating on Google from 8 reviews. 

Call Here – +971 2 691 8400

Website https://www.reemfinance.ae/en/

4. Equity Finders Real Estate Mortgages

Equity came into existence in 2016, and at that time, it was one of the first mortgage companies in Abu Dhabi. With more than 700 happy clients, this company has set a loyal customer circle in UAE. They have a perfect rating of 5 stars on Google from 55 reviews. 

Call Here – +971 2 626 6440

Website https://equityfinders.com/


1. Can I borrow money from a private lender?

Yes, you can borrow money from private lenders. But before contacting them, there are certain things that one must keep in mind.

  • Easier QualificationsIf you go to a bank, chances are, there will be many rules and regulations that you must follow before you can apply for a loan. Private money lending services include easier qualification requirements compared to official institutions.
  • Risk Factor- As private money lending is illegal in UAE, it becomes very risky for anyone thinking of choosing that option. So if you need money fast and do not care about the risks, you can definitely go for private loan services.
  • Simple Paperwork- Getting private loans is easier compared to getting loans from a bank. They do not require as much paperwork as legal entities, and thus, you receive money at short notice.
  • A Good Alternative- We would advise you to go to a legal establishment to apply for loans, but many times that becomes impossible due to various factors. When that happens, private money lenders are a good alternative from whom you can get the money quickly without any hassle.

2. Is private lending legal in UAE?

No, private lending is not legal in UAE, and it is a punishable offense. According to articles 458 and 459 of the UAE law, anyone associated with this sector can face imprisonment for one year or more and a fine of 50,000 AED.

3. Who is eligible for a personal loan in Abu Dhabi?

Anyone who is a UAE national or an expat resident between the age of 21 and 65 with a minimum income of 10,000 AED can get a personal loan in Abu Dhabi.

4. Is it good to use private lenders?

In UAE, private lending is not legal, which is why it is not generally good to utilize their services. But in case you absolutely must use them, you can go for it.

Wrapping It Up

We hope this article will help anyone who needs private money lending services in Abu Dhabi. See all the challenges involved with this sector and only then go for it. 

How to Get an Interest-Free Loan in UAE?

Interest-free loans can prove to be quite useful when it comes to financial stability. They not only facilitate repayments but also help you build positive credit habits.

In this article, we will discuss simple ways to get an interest-free loan in the UAE.

Interest-Free Loan in UAE

1. Al Maryah Community Bank

Al Maryah Community Bank is the UAE’s first digital bank that offers an interest-free loan through their ‘Raha Debt Takeover’.

The ‘Raha Debt Takeover’ helps account holders manage their debts by consolidating them into one loan, allowing convenient repayment over three months.

By opting for the ‘Raha Debt Takeover’ scheme, account holders get a chance to win a zero-interest loan.

Participants must enter the raffle or lucky draw organized by Al Maryah Community Bank LLC at 454 Shakhbout Bin Sultan St, Al Mushrif, Abu Dhabi, United Arab Emirates.

Here are some of the terms and conditions that participants need to be aware of:

  1. Apart from being a resident of the UAE, the participant must have an account with Al Maryah Community Bank.
  2. UAE Nationals must have a minimum salary of AED 10,000 along with minimum employment tenure of 6 months.
  3. Expatriates living in UAE must have a minimum salary of AED 15,000, along with a minimum employment tenure of 1 year.
  4. All participants must ensure that their previous month’s salary is reflected in their Al Maryah Community Bank account.
  5. Any participant who has previously won the raffle is not allowed to participate again.
  6. Participants should maintain a good credit score that complies with the bank’s credit policies.
  7. Employees of the bank are not allowed to participate in the raffle.
  8. Participants must ensure that their Customer Debt Service Ratio (DSR) does not exceed the 50% threshold specified by the Central Bank of the United Arab Emirates (CBUAE). If the DSR exceeds the limit set by CBUAE, the participant will not be offered the loan products.

Things to keep in mind:

  • Monitor your inbox and mail as winners will be notified of their details within 3 days after the draw has taken place.
  • Participants must abide by all the terms and conditions laid out in the Personal Loan Agreement, including timely repayment of the loan to avoid penalties and charges.
  • The bank reserves the right to disqualify, suspend, or terminate participation under certain circumstances. Check out the Al Maryah Community Bank’s official website for more information.

2. Emirates Islamic Bank

Established in 2004, Emirates Islamic Bank follows the highest standards of Islamic Banking as per Sharia principles.

As they adhere to these principles, laid down by the Quran, Sunnah, and Hadith, they do not charge interest on personal finance.

Here is a list of documents required to apply for Personal Finance from Emirates Islamic Bank:

  • Filled application form
  • Bank statements from the last three months
  • A valid passport and its copy (required for verification); a valid UAE residence visa and its copy for expatriates (required for verification)
  • Salary certificate
  • Valid Trade License if you are self-employed
  • Liability Letter
  • Account Opening Form

Who is eligible for Emirates Islamic Bank Personal Finance?

  • You must be 21 years and above to apply for Personal Finance.
  • Your minimum salary should be AED 10,000 (for both UAE Nationals and expatriates).
  • Your age should not exceed 65 years at the time of maturity if you are a UAE National
  • Your age should not exceed 60 years at the time of maturity if you are an expatriate.
  • You must have at least one month’s salary credited into your Emirates Islamic account.
  • Tenure of 48 months for standard debt settlement; Tenure of 300 months for special debt settlement.

3. Financial Institutions Offering Lowest Interest Rates on Personal Loans

  1. Emirates NBD Personal Loan

    • Minimum salary required: AED 5,000
    • Interest Rate: Starting from 2.81% p.a.
    • Reducing Interest Rate: 5.29% p.a.
  2. RAKBANK Personal Loan

    • Minimum salary required: AED 3,000
    • Interest Rate: Starting from 5.49% p.a.
    • Reducing Interest Rate: 19.99% p.a.
  3. Abu Dhabi Commercial Bank

    • Minimum salary required: AED 5,000
    • Interest Rate: Starting from 4.99% p.a.
    • Reducing Interest Rate: 6.00% p.a.

Frequently Asked Questions

  1. Is there interest on loans in UAE? The interest rate on loans can depend on the account holder’s income and loan amount. However, the interest rate on loans in UAE can range from 3.99% p.a. to 7.71% p.a.
  2. Which bank gives personal loans with the lowest interest rate in UAE? Some of the banks that offer personal loans with the lowest interest rate include Emirates NBD Personal Loan, RAKBANK Personal Loan, and Abu Dhabi Commercial Bank, among others.
  3. Which loan has no interest? Several banks in UAE follow Islamic Banking rules, as specified by Sharia Law. According to this law, a bank cannot charge interest from its customers.


We hope that this article is helpful for those navigating the numerous loan options available in the financial market.

We urge our readers to carefully read all terms and conditions before committing to any loan to avoid fraudulent and malicious activities.

Can you get maternity insurance if you are already pregnant in Dubai?

Pregnancy is a beautiful and mesmerizing procedure responsible for creating a new life. But pregnancies can be pretty expensive when we consider the hospital bill. 

The expenses also do not stop only with the birthing of a child itself. One must also consider the costs in case of normal or C-section delivery, pre or post-natal expenses, expenses related to the newborn baby, and more.

This is why getting maternity insurance is so important. However, can you get maternity insurance if you are already pregnant in Dubai? Let us find that out.

Can you get maternity insurance if already pregnant in Dubai?

No, you cannot. When applying for maternity insurance in Dubai, one must go through a waiting period of six months.

Sadly, any pregnancy that arises within 40 days of the policy’s starting date will not be covered by any insurance. 

What services does pregnancy insurance cover in Dubai?

Usually, comprehensive pregnancy insurance covers almost everything that comes with maternity care. These include –

1. Prenatal Care

Because of the new enhanced maternity insurance laws, insurance companies now cover at least eight prenatal appointments. Not only that, but they also pay for three prenatal scans, blood tests, regular health check-ups, etc.   

2. Hospital Fees

The hospitalization fees are the most burdensome, which can amount to a huge sum of money. Thankfully, maternity insurance in Dubai covers that as well.

The procedure usually does not matter, as insurance should cover both normal and C-section deliveries. If there are any complications or terminations during the process, that is also taken care of.

3. Postnatal Care

The mother does not automatically become healthy after giving birth. They need extensive care even after going through labor.

Hence with insurance, you will not have to worry about those much-needed post-natal checkups.

4. Expenses of The Baby

Taking care of newborns is also expensive as they need frequent checkups, thanks to their vulnerability. But do not fear, as most maternity insurance policy covers newborn expenses for at least 30 days or even up to 3 months. 


1. What is the waiting period for maternity insurance in Dubai?

The waiting period for maternity insurance in Dubai is 6 to 12 months. But once you get over that time, insurance will cover all the necessary expenses that come with childbirth.

2. Which insurance is best for pregnancy in UAE?

i) Takaful Emarat Health Insurance

Takaful Emarat Silver Health Insurance Plan – 

  • AED 7,000 coverage with 10% co-insurance
  • Covers in-patient and out-patient maternity service
  • The waiting period is only 40 days
  • AED 10,000 for C-Section delivery

Takaful Emarat Platinum Health Insurance Plan –

  • AED 20,000 coverage with 10% co-insurance
  • Medicines coverage up to AED 10,000
  • Free check-ups with ante-natal ultrasounds
  • Global coverage
ii) Adamjee Health Insurance

Adamjee Family Care – Silk Road –

  • Covers in-patient and out-patient maternity service with 10% co-insurance
  • Free health check-ups
  • The waiting period is only 40 days
  • Coverage of up to AED 10,000 for normal delivery
  • AED 10,000 for C-Section delivery
  • Maternity-related emergencies of up to AED 150,000

Adamjee Family Care – Emarald – 

  • Coverage of up to AED 10,000 for normal delivery
  • AED 10,000 for C-Section delivery
  • Covers out-patient maternity service with 10% co-insurance

3. How much does it cost to give birth in UAE without insurance?

Without any maternity insurance, the cost of giving birth can rise from 22,000 AED to 30,000 AED for normal delivery and even more for C-Section delivery.

4. Is it free to give birth in Dubai?

No, it is not free to give birth in Dubai. You will need maternity insurance, or the hospital bill can be immense. 

Wrapping It Up

We hope we were able to provide essential info regarding the maternity insurance policies of Dubai. Please go through the points carefully and apply for them if you need such services as soon as possible.

Cheapest Health Insurance In Abu Dhabi

We all live a life full of uncertainties. Thus we need to stay prepared for every and any form of problem that comes our way.

This is why health insurance is vital, as you must have it to escape the financial burden if a medical issue demands loads of money or lasts for a long time. 

But which health insurance is good for you and your family? It is indeed hard to decide, considering how many options are there to choose from.

Therefore, we will discuss the cheapest health insurance in Abu Dhabi that give great benefits at a reasonable price.

Cheapest Health Insurance In Abu Dhabi

When it comes to being affordable, there are some insurance companies in Abu Dhabi that you can opt for. Here we present some of them. 

1. Salama Health Insurance

The essential benefits plan or EBF of Salama Health Insurance is for residents with less than AED 4,000 of earnings in a month. This plan benefits you and covers your immediate family members or domestic help. 

2. Orient Health Insurance

Orient has over 40 years of experience providing health insurance to the people of UAE at decent rates. They give the option for individual and group health insurance. 

3. Union Health Insurance

This is one of the most famous insurance companies in all of Abu Dhabi. Anyone earning AED 4,000.00 or less with a visa can apply for their services.

4. AXA Health Insurance

AXA Health Insurance also comes into the picture when discussing the cheapest insurance policies. With them, you get easy access to world-class treatment from more than 3,000 providers from all over UAE. 

5. Sukoon Insurance

The starting annual cost for their insurance policy is only AED 560. Plus, you get emergency services, and they even cover lab tests. 

6. National Health Insurance Company

The annual cost for starting this insurance is AED 615 for domestic help and AED 800 for dependents. It also offers local medical insurance with worldwide benefits. 


1. What is the minimum health insurance coverage in Dubai?

In Dubai, the most basic insurance plan covers up to AED 150,000. The services that get covered include surgeries, diagnoses, etc.

The expenses, however, cannot surpass AED 500 for a single encounter or AED 1,000 for a year. 

2. Which health insurance is approved in UAE for a visa?

The HALA insurance company provides aid during any medical emergency or additional expenses related to it during the period of the Visa of up to AED 150,000.

3. How many types of health insurance are there in UAE?

There are four types of standard health insurance you can select from while staying in UAE. 

  • Basic Health Insurance
  • Comprehensive Health Insurance
  • Shariah Compliant Health Insurance
  • Health Insurance with Direct Access to Hospitals

4. Is health insurance free in UAE?

Both the private and public sectors make up the UAE healthcare system. Hence, even though UAE nationals enjoy free universal healthcare, foreign expats must invest in health insurance.

Wrapping It Up

We hope we could reveal all about the cheapest insurance policies in Abu Dhabi. You can research the insurance companies we have mentioned and select the one you like for yourself and your family. 

How to Invest in UAE Stock Market Online?

Investing in stock markets can be overwhelming for first-timers as one must understand the workings of that world from the inside out. And things can seem more complicated when you have to do it online.

But we can not escape from the fact that hardly a few things are done exclusively offline nowadays.

So it is natural that someone interested in investing in the stock market should know how to do it online. 

If you are from UAE, there are a few ways you can go about this process. 

How to Invest in UAE Stock Market Online?

Follow these easy steps to invest in the UAE stock market online. Any person from any nationality is eligible to invest in both DFM and Nasdaq Dubai.

1. National Investor Number (NIN)

First of all, you need to apply for the National Investor Number (NIN). You can do this directly on the DFM website or app or through your broker.

2. Select a Registered Online Stock Broker

Pick the best online stockbroker company in UAE and get started. The stockbrokers provide a platform to buy, sell, and trade stocks.

You can use their app or website to start investing immediately. You can visit their website and invest through the stockbrokers there. 

Check this list of stock brokers recognized by DFM.

These stockbrokers will act as the middlemen and deal with the company’s stocks for you.

And the best part is that you can invest in any national or international company while being in UAE from the comfort of your home or office. 

List of the Best Stockbroker Apps

1. xCube

xCube offers great benefits to its users. You can open a free account with the minimum hassle of documentation and trade at zero commissions.

2. World Investments

Screenshot image 1

World Investment is an integrated platform providing a multitude of services including securities trading, risk management, wealth management advisory, and more.

They offer custom-made solutions to their clients.

3. FAB Securities

FAB Securities is a UAE-based, specialized financial service firm, active since 2000. It provides investors with services such as Equity Trading, Margin trading, Direct Market Access, Internet Trading, and Mobile Trading.

4. Interactive Brokers

This company is originally founded in 1978 and is considered one of the most renowned discount brokers in the USA.

Compared to others, they ask for a low commission fee which is helpful to many. They have also won the Best Online Broker Award in 2021.

5. eTORO

eTORO has led the social trading platform ever since 2007. Some of the biggest names in the industry like the Exchange Commission (CySEC), the Australian Securities and Investment Commission (ASIC), and the Financial Conduct Authority (FCA), regulate this firm.  

Frequently Asked Questions

1. How can I invest in the UAE stock market?

To invest in the stock market in UAE, you will have to go to a brokerage firm. First, you must ensure that this firm is licensed on the DFM.

Then you open an account with that firm. And once you obtain an investor number, you can open a trading account and start trading.

2. Is online stock trading legal in UAE?

Yes, online trading is completely legal in UAE. And you can do online trading with the help of the companies that we have mentioned above. 

3. What is the best stock to invest in UAE?

It is pretty hard to say what kind of stocks one must invest in to be successful, as nothing is constant in this industry.

The best strategy while dealing with stock is to put your eggs in multiple baskets i.e. build a varied portfolio of different stocks.

4. How to invest 10,000 AED in UAE?

With 10,000 AED in your account, there are ample options for you to choose from for investing. Make sure you diversify your portfolio and invest in a combination of big and small stocks.

In the past, no one could think of investing in the stock market with a simple amount of 10,000 AED.

But nowadays, with the economy’s growth, many websites and portals offer investors a chance to invest that amount.

5. What are the other investment options?

– Real Estate

Real estate, in itself, is very famous in UAE because of how the desert land has changed into a major business hub over the years.

Thankfully, the stock market, which was not accessible to many in the past, is more affordable than ever.

– Mutual Funds

Mutual funds are famous not just in UAE but all over the world. The reason behind its success is its reliability and how affordable it is to maintain for everyone.

Because mutual funds do not require a huge sum of money, you can also easily invest 10,000 AED. Plus, the fact it carries low risk in UAE is also why you should opt for this.

Wrapping It Up

Hopefully, with this article, investors will have a clear idea of how they can invest online in the UAE. But before investing anywhere, we advise you to research a lot and then take a step.

Private Money Lenders in Bur Dubai

We all know how expensive Dubai is for anyone to live in. Thankfully, Bur Dubai is relatively cheaper than downtown Dubai, and living can be more affordable here.

But still, there are times when we might need some extra cash for various reasons. It can be buying something for yourself or sending money to someone. In that case, getting a loan becomes a necessary thing. 

Sadly, banks ask for a higher rate of interest and might even deny their offer altogether if you do not meet their terms and conditions. In that case, private money lenders in Bur Dubai come to the rescue. 

Though we must mention private money lending without a license is illegal in all of the UAE. But if you still need funds and are in a situation where only private lenders will help you, check that option out at your own risk. 

List of Private Money Lenders in Bur Dubai

1. Unique Commercial Brokerge L.L.C

This is a loan agency with a 5 rating on Google. 

Phone: +971 4 255 6667

Phone: +971 55 656 6541

2. Taskmaster Commercial Broker L.L.C

This is another loan agency with a 4.9 rating on Google. 

Phone: +971 4 255 6667

Website: https://taskmastergulf.com/

3. MoneyDila 

This loan agency has a 4.8 rating on Google. 

Phone: +971 4 332 0030

Website: http://www.moneydila.com/

4. Finserve Financial Broker

This is another loan agency with a 4 rating on Google. 

Phone: +971 4 255 6667

Website: https://finserveuae.com/

Tips Before Contacting Private Money Lenders in Bur Dubai

1. Do Ample Research

When you are going for private money lending companies, make sure you research them vehemently. You can either search for them on Google and read the reviews there or visit their website directly.

If you feel something is fishy, then drop that company. In cases like these, you will have to stay extra cautious as you can not seek help from officers if you fall into a trap because private money lending is completely illegal in Bur Dubai.

2. Beware of Scams

If your money lender promises to give you instant loans consisting of a large sum of money without any paperwork, it might be a scam.

In that circumstance, the lender might impose hidden interests that are too much to pay.

3. Read all the Documents

When your money lender asks you to sign a document, see if there are any loopholes in the agreement. If you cannot understand what is written there, ask an expert to help you with it.

4. Pay Back ASAP

One of the most important reasons why people avoid private money lenders is that people can get brutally harassed by them if they miss a payment. So you should pay back any money you owe as soon as possible.

Frequently Asked Questions

1. Where can I borrow money ASAP in Dubai?

  • Abu Dhabi Commercial Bank.
  • Commercial Bank of Dubai.
  • Doha Bank.
  • Dubai Islamic Bank.
  • Emirates NBD.
  • HSBC.
  • United Arab Bank. 
  • RAK Bank.

2. Can you borrow money from a private lender?

Yes, you can. But remember that this is not legal in many places, such as Dubai. Plus, borrowing money from private companies can come with many dangers. 

This is why it is better to go to official banks for this type of transaction. 

3. Is private lending legal in Dubai?

No, private money lending is not legal in Dubai, and it is a punishable offense according to the penal law of UAE (Article 458 and Article 459).

If someone gets caught engaging in private money lending services, they might get fined around 50,000 AED. They can also face imprisonment for a year or more.

Wrapping It Up

We hope we could provide the necessary information about private money lenders in Bur Dubai. It is a risky business, so opt for it only if you have no other option left. 

Best private money lenders in Dubai on the platform Dubizzle

Dubai, a city of grandeur and entrepreneurial spirit, boasts a dynamic financial ecosystem that caters to a myriad of needs. Among the diverse financial services, private money lending has carved a significant niche for itself.

This article delves into the realm of private money lenders in Dubai, with a special emphasis on the renowned classifieds platform, Dubizzle.

Private Money Lending through Dubizzle

Private money lending is a financial practice where individuals or small entities offer short-term loans at high-interest rates.

Unlike traditional banks, these lenders typically don’t delve into a borrower’s credit history, making them a viable option for those urgently needing cash or those with a less-than-perfect credit score.

However, the convenience they offer often comes with high-interest rates and strict repayment terms.

Dubizzle, a leading online classifieds platform in the UAE, has become a hub for private money lenders. It allows lenders to advertise their services, providing potential borrowers with a wide range of options.

However, the high volume of listings and lack of regulation can make navigating this platform challenging.

Top Listings of Money Lenders on Dubizzle

1. Personal Loan

This lener offers the loan for both listed and non-listed companies at the following conditions:

  • 7 days process non or listed companies
  • Lowest profit ratio is 3.24 %
  • Loan of up to 2.5 Million
  • 1st installment after 150 days only
  • New or take-over loan.

2. Old car Loan and personal loan

This loan has been posted about one month ago. They offer loans for cars, personal loans, rent or business.

3. Loan for salaried individuals.

They offer loans for individuals with a 5000 or more salary and offer a limit of 20,000 to 50,000 along with other benefits like a cashback offer for every grocery purchase, and restaurants & hotels, free airport lounge access, etc.

Do remember that salaried individuals can easily get loans from banks also.

4. Loan Against Rent Receivables

If you are a residential or commercial property owner and receive rent on a monthly, quarterly, or yearly basis, you can get a loan here. They claim to have 10 years of experience in the mortgage.

They also provide services of mortgage refinancing loans and new mortgage loans for purchasing property.

Note: Before finalizing loans for these private sources be sure to have the contact details, address, or other forms of identification to be able to trace the individuals.

Listings on Dubizzle of even verified users can be deleted very easily and late you may be left with no way to trace them. For example, these listings are no longer live.

Personal loan available

Is private lending legal in UAE?

The act of lending money by an individual is punishable under Article 458 of the UAE Penal Law. The offender shall be punished by imprisonment for a period of not less than 1 year and a fine of not less than AED 50,000.19-Sept-2022.

Caution When Using Dubizzle

When searching for a private money lender on Dubizzle, it’s crucial to exercise caution. While many lenders operate legitimately, the platform has seen its share of scams.

Borrowers should conduct thorough research on each lender, scrutinize their reputation, keep their conversations on the platform only, stay away from external money transfers, and read reviews from previous clients.

It’s also essential to understand the loan terms in detail before committing.

Despite the risks, private money lenders on Dubizzle can be a lifeline for those in financial distress.

They offer flexibility that traditional financial institutions often can’t match, such as expedited loan processing, often within 24 hours, and less stringent requirements.

Dubizzle can also be a great platform to find agents who can help you navigate the intricacies of the loan application process and hep you arrange documentation, find the right loan agency or bank for your needs etc.

Exploring Other Financial Options

However, borrowers should also consider other options. Banks and credit unions may offer lower interest rates and more favorable terms. Financial advisors can also provide guidance on managing debt and improving credit scores, potentially reducing the need for high-interest loans.

While private money lenders on Dubizzle offer a valuable service, they should be approached with caution. Prospective borrowers should conduct due diligence, understand the loan terms, and consider all available options.

With careful planning and prudent decision-making, individuals can successfully navigate the complex landscape of private money lending in Dubai.

Remember, private money lending is a tool, not a solution. It’s a quick fix for immediate needs, but it’s not a long-term financial strategy. Always consider your financial situation, your ability to repay the loan, and the potential risks before deciding to borrow from a private money lender.

Does Rakbank give a personal loan in UAE with a 3000 salary?

Living in UAE can be an expensive business for many, considering how extravagantly people can live there. Not just that, but according to Mercer Cost of Living 2023, Dubai and Abu Dhabi are the 18th and 43rd priciest places to live in.

But this does not mean only the wealthy reside here; many people come from an ordinary background whose salary might amount to 3000 AED.

In that case, questions like whether the renowned Rakbank gives a personal loan in UAE with a 3000 salary come around very often. Read on to find out the answer to that.

Does Rakbank give a personal loan in UAE with a 3000 salary?

The answer is yes. Rakbank gives out loans to UAE National customers with a salary of AED 3,000. 

Rakbank Personal Loan Specifications

The specialized personal loan scheme comes with many attractive specifications. They are –

  • They give loans to salaried UAE National customers with a salary of AED 3,000. 
  • Interest Rates start from 4.99% to 19.99% with a reducing rate p.a. 
  • The loan can amount to up to 20 times your salary. 
  • You can combine all your previous loans under one to pay the dues hassle-free.
  • You can also avail of Salary Advance, allowing easy access to your funds via digital banking.
  • You can defer your installment twice a year.
  • You get the ability to get a Top-up loan only after a year.
  • Get a free RAKBANK Debit Card and a checkbook.
  • Avail your RAKBANK Credit Card with no annual fee ever and low-interest rates. 
  • For applying instantly, they even offer customers with AECB Score >=651 to avail of an Auto Loan at a 2.85% p.a. flat rate. 

What are the Risks & Limitations of this personal loan?

Every loan comes with its fair share of risks and limitations. Here is also certain clauses that you must keep in mind before applying for the loan. 

  • You will not have more than two installment deferrals in one year.  
  • You will also not get installment deferrals if the payments are irregular, if there are (DDS) returns in the last 12 months, or if your request does not follow the risk policies of the bank. 
  • If your salary is less than 75% of what you usually earn for three months in a row, or if you don’t receive your salary for three months continuously, you will have to pay an additional 2% interest per year on top of the original rate until the loan is settled.

Frequently Asked Questions

1. What is the minimum salary for a RAKBANK loan?

Normally, all the major banks in UAE do not provide loans to someone with a salary of less than AED 5,000. But due to excessive demands, a few banks like Rakbank give loans to people with a minimum wage of AED 3,000 as well.

2. Can I get a loan with a 2000 AED salary?

No, banks in UAE do not give personal loans to anyone with a salary of 2000 AED. 

3. How can I get a loan in Dubai with a 4000 salary?

Very few banks give out loans with 4000 salaries in Dubai, but as the demands are increasing, some banks offer loans at this amount nowadays.

To apply for it, you need some documents. They are – 

  • You will have to submit the loan application form after carefully assessing it. 
  • Essential documents like a passport, VISA, etc, to confirm your identity. 
  • A passport and UAE Residence Visa for expatriates. 
  • A salary certificate or a salary transfer letter. 
  • Bank account statements.
  • Trade license for self-employed people.

5. What is the limit of a RAKBANK loan?

The maximum limit of a Rakbank personal loan is 20 times the salary of the individual applying for the loan. The limit becomes 15 times the salary for Armed Forces Staff. 

Wrapping It Up

Rakbank is one of the oldest banks in the UAE, and it has many schemes to help people in need.

Thankfully, it is also one of the few organizations that provide personal loans to low-income individuals at decent interest rates. 

So, if you need a loan with a salary of AED 3,000 in UAE, they are the ones to look for. 

How to Get a Loan in UAE with a Low Salary

Sometimes we find ourselves in dire need of finances, whether to fulfill our needs and desires or bear some expenses. Living in a cosmopolitan and dynamic UAE offers a plethora of financial opportunities.

With meticulous planning and understanding, individuals can unlock numerous financial possibilities and secure a loan in UAE, even with a modest income.

This article sheds light on the benefits, eligibility criteria, and the best banks to consider for personal loans in the UAE, especially for those earning a salary as low as AED 3000.

How to Get a Loan in UAE with a Low Salary?

Salary is an important criterion for getting a loan in the UAE. Banks generally have a cut-off limit of 3000 or 4000 AED salary for granting loans.

However, you can still get a loan at lower salaries. Here are a few tips to get loans if you have a low salary and it is difficult to find places where you are eligible for loan disbursement.

1. Research loan possibilities:

You must keep doing your research. If you are constantly wondering how to get a loan in UAE for a low salary, then you will come across that UAE’s banks and financial institutions offer a wider range of personalized loan products.

Research the products based on interest rates, repayment terms, etc. Look for loan products with flexible eligibility criteria.

For example- Finance houses like Dunia Finance Or Gulf Finance house offer loans for those with lower salaries with high-interest rates.

2. Work on your credit score:

Your credit score is pivotal in the loan application process as it shows your ability to repay the debts. If you have a higher credit score, then it enhances your credibility as a borrower.

This is how you can have the loan on your favorable terms. Improving the credit score demands some effort and punctuality from your side.

From paying the bills on time to catering debts, maintain a healthy credit utilization ratio to avoid multiple loan applications within a shorter time.

3. Guarantor options and collateral:

If your salary is low and is alone unable to meet the lender’s requirements, then you can proceed with other alternatives, such as considering collateral.

You can also have the guarantor co-sign the loan. Collateral is nothing but an asset of value or security which you can pledge to the lender, such as a vehicle or a property.

On the other hand, a guarantor is an identity with a solid financial position that guarantees to repay the loan if you cannot.

Both options offer a layer of security for the lender, and they feel more inclined and convinced to proceed with your loan application.

4. Peer-to-peer lending:

P2P lending platforms over the years have gained popularity in the UAE in recent years. These peer-to-peer online platforms let you connect with individual lenders, bypassing traditional financial institutions.

From offering lenient eligibility criteria to competitive interest rates, these platforms have come out to be resourceful and more useful than ever.

It is well-suited and viable for individuals with modest salaries.

5. Form a relationship:

This is another key strategy for an effortless loan is to build a connection with the banks and financial institutions, which can always work to your advantage.

The query of how to get a loan in UAE with a low salary becomes much more answerable and workable when you have established stronger ties with financial entities.

If you have a history of responsible financial behavior, your chances of loan approval will be enhanced, even if your earnings are lower than the standard requirements.

6. Stronger loan profile and application:

When proceeding with the loan application, ensure that your application is complete and accurate. Any misleading or false details in your application can hinder the approval process.

Make sure to attach your application with all necessary legal documents, such as income proof, identification, and bank statements, to avoid delays in the approval process.

A well-sorted and prepared application showcases your commitment and trustworthiness as a borrower.

Eligibility for Personal Loans in UAE

Eligibility UAE Nationals Expats
Age 21-60 21-65
Minimum Salary AED 3000 AED 3000
Salary Transfer Required (Depends on the bank) Required (Depends on the bank)
Company Listed Required (Depends on the bank) Required (Depends on the bank)

Wrapping Up

Obtaining a loan in UAE with a modest income can demand meticulous planning, effort, and research.

It is a cakewalk when you follow protocols and strategize to unlock the many financial possibilities in store for you.

Always remember to proceed with a safer loan amount that you can repay and act as a responsible borrower for a better financial future.

Frequently Asked Questions

Q1. Which bank in UAE gives loans for low salaries?

Featuring multiple currencies, Emirates NBD is one of the finest leading banks in UAE. This bank offers a salary account with a minimum salary requirement of around AED 3000.

Q2. Can I get a loan with a 2000 AED salary?

Banks and financial institutions in UAE do not offer loans to those with a monthly salary of AED 2,000. As an applicant, you must fulfill the minimum requirement of the loan eligibility criteria.

Q3. What is the lowest salary account in UAE?

The lowest salary account in UAE is AED 3,000.

Q4. What is the minimum salary for a 1lakh loan?

You must earn a minimum of ₹25,000 monthly to be eligible for the loan.

Q5. Which bank in UAE does not require a minimum salary?

You can acquire all the banking benefits with HSBC without paying your salary into the account. There is no burden of maintaining the minimum balance account even.

Q6. What is the minimum salary for ADBC personal loan?

The monthly fixed salary for ADBC personal loan criteria is AED 5,000 or above.

Q7. What is the minimum salary for Emirates NBD personal loan?

Depending on the nationality and the type of loan, the minimum salary for Emirates NBD personal loan ranges from AED 5,000 – AED 25,000 per month.

Q8. What is the minimum salary for Mashreq?

It requires a minimum salary transfer of AED 10,000.

Q9. What is the minimum salary for HSBC UAE?

It comes with a minimum monthly salary requirement of AED 10,000.

Q10. Can I open a bank account in UAE without Job?

Several banks and financial institutions offer bank account opening to non-working individuals. In such cases, most of the banks levy charges or come with a requirement of minimum balance.

Is it possible to get a business loan without a bank statement in the UAE?

Are you wondering if getting a business loan without a bank statement in UAE is possible? Let us find out more in this article. We will also explore the other essentials of getting a business loan. 

Is it possible to get a business loan without a bank statement in the UAE?

Banks look at multiple factors while giving out loans to businesses in the UAE. While some look out for your credit score, others will need you to have collaterals while some require essential documents to obtain a business loan.

One such document is a bank statement. All banks in the UAE require you to share your bank statement in order to get a business loan. This can be your personal or business bank statement. The period of the bank statement may differ from bank to bank. The average bank statement required ranges from 6-12 months. 

But there are some alternatives to getting a business loan without having a bank statement. Let us explore some of the exceptions to the general rule requiring bank statements.

Ways to get a business loan without a bank statement

There are different initiatives started to promote SMEs and help in the growth of business. These organizations do not require bank statements for giving out loans but have other stringent requirements.

  1. Khalifa Fund for Enterprise Development

You need to apply for membership to the Khalifa Fund, to be eligible to apply for a loan from this institution. The documents required for membership are:

  • Emirates ID, Family Book, Introductory Statement, Passport, Passport Photos, Trade Licence, & Trade Name Reservation Certificate.

The fee for a license less than 2 years is 500 AED and for those greater than 2 years is 2000 AED.

2. Mohammed Bin Rashid Fund

The Fund was established with the goal to fund SMEs to encourage innovative ideas. The documents required are

  • A copy of the passport, A copy of the Family Book, a Detailed resume, an Establishment program model, and an Executive Summary/Action Plan for the project.

They offer funding loans and Bank Guarantee loans to eligible small and medium-scale enterprises.

3. Islamic Financing – Mudarabah or Mudaraba

These are some rare exceptions to the general rule of requiring Bank Statements for all business loans. 

Other ways to get Business Loans

If you do not qualify for the above methods, you can also look to get funding without bank statements through-

  1. Crowdfunding 
  2. Private investors


1. Why do banks require a bank statement to process a business loan in the UAE?

Bank statements are tools used to verify the credibility of loanees. They help banks determine the following: 

  • The loanee’s income and activities.
  • Whether or not the loanee will be able to pay back the loan
  • If the loanee has existing loans.

2. What should this bank statement comprise?

A bank statement should comprise, all information about the business/ Loanee’s personal bank accounts and financial activities. These could be debit and credit transactions. The period of the bank statement may differ from bank to bank. The average bank statement required ranges from 6-12 months. 

3. Can I get a business loan without income proof?

No, proof of income is required for you to get a business loan.

4. How will I know if I am eligible for a business loan in the UAE?

You can apply for a business loan in the UAE if:

  • You are over 21 years of age.
  • Your business has been operating for over 1-2 years
  • You are meeting the minimum Annual turnover required as per the Bank you are applying to for the loan
  • You have personal or business bank statements for the past 6-12 months
  • You own a business account in at least one bank in the UAE

5. What are the basic documents I will require to secure a business loan in the UAE?

The basic documents you will require to secure a business loan in the UAE is:

  • Bank statements for the past 6-12 months
  • A copy of the borrower’s passport
  • A completed application form for a business loan from the Bank you are applying to.
  • A Memorandum of association (MOA), Power of Attorney & a Partnership Agreement
  • The original and a copy of your trade license.


Business loans are extremely tough and unlikely to be disbursed without a bank statement. Very limited situations as listed above will qualify you for such a loan.

About Us

UAELoanBazaar.com is an online authority on loans, credit cards, banks and the general financial industry in the UAE and the emirate of Dubai. We strive to provide up-to-date and accurate information on the financial industry in the UAE. Our aim is to become a one-stop shop for your personal finance needs in the UAE market.