How to apply for a credit card with a low salary in UAE is a highly unlikely situation to solve as this isn’t accepted legally and can make it difficult for the bank to act. But in today's world, and in the UAE, individuals with low salaries can apply for credit cards with low salary In UAE, with banks like ADCB, CitiBank, Emirates NBD, etc, that are based in the middle east.
Firstly, individuals who are new to the country, and are on a minimum payroll of AED 5,000 and lower, must focus on demonstrating self ability to repay, by presenting forward strong documents to the bank. Documentations such as bank statements, and salary certificates.
In the UAE, an individual is required to present documents such as the following :
Before Applying for a credit card in the United Arab Emirates, individuals must consider the following factors :
In the UAE, some banks are known to have a minimum salary requirement, and some banks provide a credit card based on various other factors such as Employment Stability, Bank statements and most importantly, Credit History.
Secondly, in the UAE, banks are known to assess the applicant’s creditworthiness based on the individual's credit history, salary and various other financial obligations.
Thirdly, it is important to note that a good credit score is typically above 700, which significantly increases the individual’s chance of getting an approval on the application for a credit card.
In the UAE, if an individual wants to get themselves a credit card with a substantially lower monthly salary, it is important to select the appropriate card. Applicants are recommended to look for cards marketed towards specific demographics or those with an option of a low income requirement.
It is vital to understand that considering to begin with a card that has a lower credit limit is beneficial and is easier to obtain in the UAE.
In the UAE, a few banks offer a no minimum monthly salary requirement however, it is important to note that these cards specifically come with a higher interest rate or multiple other fees.
Applicants have multiple options to choose from when it comes to applying and getting their own credit card in UAE.
To apply for a credit card, the method can be held online or offline.
In today’s world, digital media has almost taken over as payments can be done online, via the internet, loans can be purchased and repaid with interest via the internet and so much more. In the UAE, applying for a credit card with a low salary can be made efficient with an online application process.
So, how to get a credit card with low salary in UAE online?
Online, applicants are required to follow the below-mentioned steps:
A few banks that are preferred while applying for a credit card with a low salary are as follows:
Each of the above banks provides credit cards to individuals with a low regular income in the UAE. A minimum of AED 5,000 is required by applicants applying for credit cards in the UAE with a low salary.
To apply for the Emirates Islamic Flex Credit card, individuals are requested to have matched the regular salary requirement of AED 5,000 and no Annual Fee is charged to the applicant.
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To apply for a credit card with RakBank in UAE, an individual can apply for the RakBank Titanium Credit card if, in any case, the applicant holds a lower salary.
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Applying for the Talabat ADCB Credit Card, applicants do not require a high salary as compared to regular credit cards that have a high salary requirement. An individual is required to have a minimum of AED 5,000 in order to apply for an ADCB Talabat Credit Card.
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Alt Text- Annual Fee Is Free Of Cost For Applicants Applying For A ADCB LULU Titanium Credit Card.
Another ADCB Credit Card appropriate for individuals with lower monthly salary is the ADCB LULU Titanium Credit card. The minimum salary requirement to obtain a LULU Titanium Credit Card by Abu Dhabi Commercial Bank is AED 5,000, which is standard, along with the perks of being charged No Annual Fee for life.
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The Commercial Dubai Bank offers its users with low salaries a credit card called the CBD Super Saver Credit Card In UAE. This credit card is known to be the best credit card with a minimum monthly salary requirement in the UAE.
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CitiBank is highly accepted in the UAE and is well known among Asian expatriates living in the UAE. CitiBank offers its users a credit card appropriate for applicants who have a low regular income. That credit card is Citi Simplicity Credit Card.
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Applying for a Credit Card With A Low Salary can be hectic although, in UAE, this has been made a little easier. To get a credit card with a low salary, an individual has two options, one, to apply via the online process and two, to apply by visiting the bank branch.
To apply for a credit card, a few documents are required to be presented, such as Emirates ID, Passport, bank statements, etc, A few examples of banks that offer users with a low regular salary and a credit card are ADCB Bank, Commercial Dubai Bank, CitiBank, RakBank, and Emirates Islamic Bank.
Answering the question of how to get a credit card in UAE with a minimum salary is almost close to impossible for applicants to get a credit card if they do not have a minimum salary amount being received. Most of the above-mentioned banks offer credit cards for individuals who hold a monthly salary of at least 5,000 AED. Along with such features, low salary credit cards offer exciting offers and cashback rewards for applicants spending a minimum of AED 1, each day and month. Be it complimentary dining or paying education bills like school fees, credit cards with low salaries in UAE offer great returns and cashback offers for its users.
No, it is not potentially possible for banks to provide credit cards to applicants who have a monthly income of AED 2,000.
While it is rarely possible for applicants to achieve a credit card with a monthly salary of AED 2000, there may be few banks who may consider various other factors such as credit history, credit score, and previous bank statements.
To apply for a Commercial Dubai Bank credit card, the applicant must present himself with documents such as Emirates ID, Passport, Residence Visa (If Possible), Salary Certificate or Pay Slip, and Bank Statements.
Yes, most banks credit cards with a low salary requirement do permit access to airport lounges, and some provide access to airport lounges globally.
The Minimum age to apply for a credit card with a low monthly salary requirement In UAE is 32 Years and above.
Yes. UAE nationals and Expatriates can apply for credit cards in UAE, even with a low monthly salary.
Abu Dhabi Commercial Bank credit cards provide a wide range of credit cards to individuals with a minimum monthly salary requirement of as low as AED 5,000. The ADCB Credit cards with Low Monthly Salary Requirements are ADCB Talabat Credit Card, ADCB LULU Titanium Credit Card, ADCB Touchpoint Gold Credit Card, and ADCB Touchpoint Titanium Credit Card.
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FABCashback Credit Card
Minimum Salary AED 5,000
Annual Fee AED 315
Rate 3.50%
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FABCashback Credit Card
Minimum Salary AED 5,000
Annual Fee AED 315
Rate 3.50%
