In the UAE, the United Arab Emirates, in the year 2025, is a region thriving with multiple ways to manage the finances of the UAE Nationals and Expatriates. It helps citizens not just manage their finances but also enjoy a variety of benefits like exciting discounts and cashback on spending as low as AED 1. UAE is a market for taking credit within a strong system. Applying for a credit card in Dubai without salary transfer is not just hassle-free today, but it also avails multiple benefits for applicants wanting to manage their finances. Fortunately or unfortunately, the age limit sticks to 21 years and above, restricting the young minds to bother about their finances, but for such cases, other options are available such as having an FD credit card, etc.
Mostly, to possess a Credit card without salary transfer, in Dubai, a salary transfer slip must be represented by the applicant. In today’s world, and especially in the United Arab Emirates, this is not the case. Indeed, credit cards can be attained without a transferring salary of the applicant. This can be done by securing the credit card with a Fixed deposit, by demonstrating other income sources, or by investments and mutual funds.
An example of such a credit cards that allow the applicant to possess a Credit card without any income or salary transfer proof is the Mashreq Cashback Credit Card. Applicants are free and recommended to explore credit cards from other banks in order to compare their features, interest rates and eligibility criteria.
The eligibility criteria in order to get a credit card without salary transfer are as follows :
A No Salary Transfer Credit Card Account in Dubai is a bank account that does not require the user to transfer their salary to the bank account. This offers a sense of flexibility for those who do not seem to have regular income or a traditional salary job. A No Salary Transfer Account is an account that helps users to manage their finances efficiently.
All the above documents must be original and valid.
UAE offers its citizens the best of the best ways to manage finances, making it easy to possess a Credit card in Dubai without salary transfer, in order to make dreams come true. While a salary transfer is usually required to possess a Credit card around the globe, in UAE, to attain a credit card with No salary transfer is possible.
Credit cards in the United Arab Emirates that support the No Salary Transfer feature are as follows :
While many credit cards make it mandatory to transfer the salary to their banks, Mashreq Bank's NTB credit Card doesn’t make that a necessary feature for their users. The NTB Credit Card specifically mentions the fact that a credit card without salary transfer in Dubai is possible.
While NTB Credit card offers the no salary transfer option, other Mashreq Credit Cards may imply other options, hence it is recommended to do self research.
While many credit cards ask for a salary transfer and claim it mandatory, a few credit cards in Dubai, without a salary transfer are an available feature. Emirates NBD may also contain a feature as such, of a credit card with No Salary Transfer. Although is has to be checked with the bank once before making any decisions.
The ADCB Talabat Platinum Card is known to be a partnership between ADCB and Talabat which is a popular food delivery application in the middle east. This app is known to offer exciting offers and benefits to its users. A few credit cards that may not require a salary transfer from the users of the bank ADCB, although, this information must be reconfirmed once with the Abu Dhabi Commercial Bank once.
RAKBANK is known for its competitive potential in the economic market and also offers attractive benefits like cashback and rewards points. The RAKBANK Titanium Credit Card does not require salary transfers and contains no Annual Fee, although this information is required to be checked with the banks before making an informed decision.
Even though the salary transfer is not required by RAKBANK Titanium Credit card, a minimum amount required, monthly, in the account is AED 5,000.
Mashreq Bank Cashback Credit Card offers exciting discounts and cashback offers and is known to be worth investing in as long as it aligns with the user’s spending habits. Mashreq Cashback Credit Card requires no salary transfers although this may be a different case for other credit cards offered by the Mashreq Bank.
The Emirates Islamic Credit Card offers its applicants with the No Salary Transfer feature, in the UAE although this information must be reconfirmed with the bank before applying for the credit card, in order to avail its benefits.
With the Emirates Islamic Credit Card, individuals can avail offers such as cashbacks, Free Supplementary Cards, Purchase Protection & Extended warranty, and no minimum spend amount.
The Mashreq Bank’s Al Islami Credit Card is a Credit card that requires no salary transfer, in UAE, as claimed by the bank. The Mashreq Al Islami Credit card is known to be a Shari’ah Compliant.
The Mashreq Noon Credit Card is known to offer multiple benefits such as the Mashreq Vantage Reward Points, unlimited Fitness First Visits, valet parking and a lot more. The Mashreq Noon Credit Card has not specified any obligation on no salary transfer.
The most exciting benefits lie I’m the cashback credit cards with No Salary Transfer, 'm UAE, and they are as follows :
A few other options come into the picture as more information about No Salary Transfer is dug out. As it has been established, a few credit cards do not require a salary transfer, necessarily, whereas some Credit cards do.
A few other options for no salary transfer are as follows :
Pyypl is a “Non bank” digital application that permits everyone an access to the financial system via a smartphone. Conducting transactions with Pyypl is as easy as sending a text message.
Below are a bunch of benefits that come along with a no-salary transfer credit card in Dubai s and they are :
Flexible Banking Choices - Unlike regular credit cards, No Salary Transfer Credit Cards offer individuals and opportunity to maintain the salary account in the existing account of the individual.
Variety Of Cards To Select From - Credit cards with No Salary Transfer option are designed to serve purpose to both UAE Nationals and Expats, which offers a range of options to choose from. This in turn gives individuals access to credit card services which is highly benefital in order to maintain a good credit history.
Financial Management and Convenience - For individuals with irregular income earnings, who apply for the No Salary Transfer Credit Cards streamline the approach towards financial management. Individuals with No Salary Transfer Credit Cards can easily make payments, have access to emergency funds and alongside earn rewards and cashbacks.
In some cases, yes. The individual's credit history makes a good impact, if above average, on the banks in the UAE, good enough to have the potential in attaining a credit card in the United Arab Emirates.
Yes. Pyypl MasterCard indeed has the No salary transfer option for individuals to open an credit account instantly in the UAE
No. The minimum age to apply for a credit card in the United Arab Emirates is 21 years.
Yes. The No Salary Transfer Credit Card is available for UAE Nationals and Expatriates living in the United Arab Emirates.
In order to possess a No Salary Transfer Credit card in the UAE, the applicant is required to present their previous 3 to 6 months' bank statements.
The No Salary transfer credit card is designed to cater to an individual’s financial flexibility without the need for a salary redirection.
Individuals with a regular salary job and self-employed individuals can apply for the No Salary Transfer credit card. Individuals aged 22 and above can apply for the No Salary Transfer credit card. UAE Nationals and Expatriates in the UAE can apply for the No Salary Transfer Credit Card.
Yes. There are a multiple No Salary Transfer Credit Cards available in the UAE, that offer cashbacks on certain purchases like online shopping, school fees etc. A minimum of 5% cashback is typically expected to be offered by credit cards in UAE and this may go up to 10% depending on the bank and the credit card.
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FABCashback Credit Card
Minimum Salary AED 5,000
Annual Fee AED 315
Rate 3.50%
We gather this information to assist you better and track your progress with the credit card application.
FABCashback Credit Card
Minimum Salary AED 5,000
Annual Fee AED 315
Rate 3.50%
