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Can You Get Credit Card in UAE on 3000 Salary?

Visa Can You Get Credit Card in UAE on 3000 Salary?

Can you really unlock credit card discounts in the UAE when your monthly salary is just 3000 AED? Let’s break down the practicality of accessing these benefits within the context of such an income.

Can you get Credit Card on a 3000 AED Salary in UAE?

No. Unfortunately, there are no banks in the UAE that offer credit cards for individuals with a monthly salary of AED 3000. The minimum salary requirement to be eligible for a credit card in the UAE is generally set at AED 5000. This criterion ensures that credit card applicants have a certain level of financial stability to manage credit responsibly.

How Can You Get Credit Card on a Salary of 3000 AED in UAE?

You can still get a credit card in the UAE, even if you earn AED 3000. Some banks offer a helpful option: they provide you with a personal loan, and along with it, they give you a credit card that doesn’t have any yearly fees and has low interest rates.

Another way is if you have a special account called a fixed deposit with the bank. With this account, you might be able to apply for a credit card, even if your salary is only AED 3000. The fixed deposit acts like a promise to the bank, so if you can’t pay your credit card bills, they can use the money from the fixed deposit.

This way, you can still have a credit card to manage your expenses and build a good credit history, even if your salary is lower. Just make sure to use the card wisely and pay on time.

What is the Eligible Salary Limit for Credit Card in UAE?

The eligible salary limit for a credit card in the UAE varies depending on the bank and the type of credit card you’re interested in. Generally, many banks in the UAE require a minimum monthly salary of around AED 5,000 to AED 10,000 for standard credit cards. However, premium or high-end credit cards might have higher salary requirements, often starting at around AED 15,000 to AED 20,000 per month.

It’s important to note that these salary limits are not fixed and can vary between banks and their specific credit card offerings. Some banks might have more flexible criteria for certain types of cards or might offer alternatives like secured credit cards or credit cards linked to fixed deposits for individuals with lower incomes.

Which Banks Offer Credit Card for Low Salary in UAE?

Some banks were known to offer credit cards with potentially lower salary requirements:

  • RAKBANK (The National Bank of Ras Al Khaimah): RAKBANK provided credit cards with relatively lower salary requirements compared to some other banks in the UAE.
  • NBF (National Bank of Fujairah): NBF offered credit cards with competitive features and more accessible salary requirements.
  • ADIB (Abu Dhabi Islamic Bank): ADIB tailored credit cards for different income segments, including options with potentially lower salary criteria.
  • Mashreq Bank: Mashreq Bank presented various credit card options, including choices suitable for individuals with lower incomes.
  • CBD (Commercial Bank of Dubai): CBD designed credit card options for different income levels, including those with potentially lower salary requirements.
  • Emirates NBD: Emirates NBD offered a range of credit cards, with some of their offerings suitable for individuals with varying income levels.
  • DIB (Dubai Islamic Bank): DIB provided Islamic banking solutions, including credit cards that could cater to different financial situations.

Please note that each bank’s credit card offerings and eligibility criteria can change over time. To obtain the most accurate and up-to-date information about their credit card options and requirements, it’s crucial to directly contact the banks.

Why Banks in UAE Don’t Offer Credit Cards for 3000 AED?

Banks in the UAE generally do not offer credit cards for a monthly salary of 3000 AED due to several reasons:

  1. Risk Management: Banks assess the risk associated with lending money through credit cards. A lower income could indicate a higher risk of the cardholder struggling to make payments, potentially leading to default and financial instability.
  2. Creditworthiness: A higher income level is often associated with greater financial stability and a better ability to manage credit. Banks use salary as a preliminary measure of a person’s ability to handle credit card payments responsibly.
  3. Credit Card Usage: Credit cards offer a line of credit that needs to be repaid on time. Individuals with a lower income might be more likely to carry balances, leading to higher interest payments and potential debt accumulation.
  4. Minimum Repayments: Credit card regulations often require banks to ensure that a certain percentage of the cardholder’s monthly income is available for repayments. With a 3000 AED salary, this might not meet the minimum repayment criteria.
  5. Regulations: UAE’s financial regulations and central bank guidelines might stipulate minimum income thresholds for credit card eligibility to protect consumers from unmanageable debt burdens.
  6. Financial Stability: Banks aim to provide credit cards to individuals who are financially stable and can handle unexpected expenses. A higher salary provides a buffer for emergencies and unexpected financial challenges.
  7. Interest Rates and Fees: Offering credit cards with lower income requirements might necessitate higher interest rates and fees to offset potential risks, which could negatively affect consumers.


In summary, when you have a salary of 3000 AED in Dubai, the best option to get a credit card is either increase your income to at least 5000 AED per month. Or, you can also keep at least 5000 AED for a period of 3 months to be eligible to get a credit card. In most cases, banks will call you themselves when you have some amount like 5000 AED available in your bank account.

Since this amount is enough to build a credit history for you, banks will think that you are trustworthy and will lend you the money.

Beware of Credit Card Debt!

Just note that in UAE, the credit card debt can be a whopping 18%. It is important that you remember the credit card debt and pay it on time to avoid any penalty on your earnings or credit score.

Usually, if you return back the money you took from the credit card within 25 days, you will not accumulate any interest rate penalty. More details can be found out by calling your bank directly and getting interest rate calculations from them.

Hope this article on ‘can you get a credit card on 3000 AED’ has helped you learn more about the technicalities that are involved in taking a credit card on low income in UAE.


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