In the United Arab Emirates, Low Salary Credit Cards are referred to as credit cards that are designed for individuals with lower monthly salaries. The Low Salary Credit Card comes with a lower salary requirement as compared to a traditional Credit card. A low salary credit card in UAE contains a substantially higher annual fee and potentially higher interest rates as compared to a regular credit card.
Credit Cards in UAE that act as examples for Low Salary Credit Card are :
- Citi Cashback Credit Card
- CBD Supersaver Credit Card
- ADCB Islamic Gold Credit Card
- FAB Cashback Credit Card
- Citi Simplicity Credit Card
- HSBC Live + Credit Card
- Live Cashback Credit Card
- Citi Premiere Credit Card
Features Of A Low Salary Credit Card In UAE
To get a credit card for a low-salaried individual starting off new in the United Arab Emirates, it is easy to opt for a Low Salary credit card in order to manage finances. A low-salary credit card requires a typically lower minimum salary requirement, which individuals starting off can be comfortable with. The key features of a Low Salary Credit Card in UAE are as follows:
- Low Minimum Income Requirements - These credit cards are crafted for individuals are able to meet the income requirements of a premium credit card.
- Higher Interest Rates - As the credit card provides lower income requirements from the applicant, there are chances of the interest rates going higher.
- Building Credit - Grabbing onto a low-salary credit card in the UAEA is known to be the best way to build or improve credit history. This also includes clearing all payments on time and using the card responsibly.
- Benefits - Like in the premium credit cards, low salary credit cards do not offer any premium perks, low salary credit cards in Dubai do offer its users cashback rewards and points along with discounts on purchases.
Best Credit Cards for Less Salary in UAE & Their Features
As mentioned above, there are multiple banks in the United Arab Emirates (UAE) that serve a low requirement for salary in order to apply for a credit card. A salary rate as low as AED 5,000 is typically seen to be the minimum salary requirement in order to open a Credit Card.
Citi Simplicity Credit Card (UAE)
This low-salary credit card offered by CitiBank in the UAE is known to be one of the best low-salary credit cards in the UAE. The Citi Simplicity Credit Card is known to not give the burden of a cash advance fee. If an individual brings in at least AED 5,000 each month, that individual is eligible to apply for a Citi Simplicity Credit Card.
Key Features of the Citi Simplicity Credit Card
- The Citi Simplicity Credit card in the UAE removes the burden of paying any cash fee, which may lead to a heavy debt burden ratio.
- The applicant is only required to have a minimum salary of AED 5,000 in order to open a Low Salary Credit Card Account in CitiBank.
- Applicants are offered a free of cost "Airport Lounge Access."
- The Citi Simplicity Credit card is known to offer multiple supplementary cards, free of cost, for loved ones.
- Applicants can use the best Salary Credit Card in UAE, the Citi Simplicity Credit card, to make instant cash payments via Paylite, in UAE.
HSBC Live+ Credit Card (UAE)
The HSBC Live+ Credit Card is known to be the best Salary Credit Card in the UAE for individuals with irregular income or a lower income and those who want to earn cashback and rewards points on daily expenditures. Below are a few key features of the HSBC Live+ Credit Card.
Key Features Of The HSBC Live+ Credit Card
- The HSBC Live+ Credit Card, is a low salary credit card in UAE, is known to charge no Annual fee for the first year and the second year, a waiver fee is charged subject to minimum amount spent.
- HSBC Live+ Credit Card credits cashback each month automatically.
- There is no "minimum limit” on cashback earnings.
- Applicants may receive up to 6% cashback on any amount spent.
- The HSBC Live+ Credit Card does not require the applicant to open a salary transfer account or any bank account.
- The HSBC Live + Credit Card allows applicants to earn multiple benefits and cashback rewards and points with HSBC Entertainer Mobile Application and I Love Dining Programme.
- Applicants, upon applying for the HSBC Live+ Credit Card, are offered “Buy One Get One Free” for VOX Cinemas.
- Applicants are offered 12 complimentary Airport Transfers Per year and a permit to 1000+ Airport Lounges with the HSBC Live+ Credit Card.
- Complimentary Travel Insurance coverage for the applicant and the applicant’s family.
- On applying for the HSBC Live+ Credit Card, the applicant prevails at a 24-hour concierge service.
- Upon applying for the HSBC Live+ Credit Card, the applicant is protected against unauthorized transactions via this Salary Credit Card In UAE and any fraudulent usage of the credit card.
- To apply for the HSBC LIVE + Credit Card, the applicant is required to have a minimum salary of AED 5,000
LIV Cashback Credit Card (UAE)
Liv Cashback Credit Card in UAE, offers an experience of a seamless credit card for its users as they are known to bring all the favourable features of a credit card, on the LIV Credit Card.
Key Features Of The LIV Cashback Credit Card
- The LIV Cashback Credit Card is known to be one of the best Low Salary Credit Cards in the United Arab Emirates. It offers up to AED 750 Cashback every month.
- Applicants receive a 2% cashback on the total amount spent.
- Applying for the LIV Cashback Credit Card, applicants receive 5000 Skyward miles per month.
- 25 Global Airport Lounge Access is offered to applicants upon applying for this Low Salary Credit Card called the LIV Cashback Credit card.
- Applicants receive offers such as “Buy One Get One Free” in VOX Cinemas.
- Applicants are required to receive a monthly salary of at least AED 5,000 or above in order to apply for the LIV Cashback Credit Card and enjoy its perks.
- A 10% discount on Booking.com and Musafir.com is offered to applicants applying for the LIV Cashback Credit Card.
ADIB Cashback Visa Platinum Credit Card (UAE)
The Abu Dhabi Islamic Bank is known to have a low- salary requirement in order to grab their Credit Card. Abu Dhabi Islamic Bank offers the ADIB Cashback Visa Platinum Credit Card to applicants who are looking for a low salary credit card in the UAE.
Features Of The ADIB Cashback Visa Platinum Credit Card
- The ADIB Cashback Visa Platinum Credit Card entitles applicants to Free Roadside Assistance.
- Applicants get to access Airport Lounges around the globe with the ADIB Cashback Visa Platinum Credit Card.
- The applicant does not require a salary transfer in order to possess an ADIB Cashback Visa Platinum Credit card in UAE.
- Upon applying for the ADIB Cashback Visa Platinum Credit card, applicants may receive 1% cashback, anytime and anywhere, on all spends.
- 100% of the applicant’s financial limit can be withdrawn as cash with the ADIB Cashback Visa Platinum Credit card.
- Applicants are required to be receiving a minimum of AED 5,000 as their monthly salary.
ADCB Islamic Gold Credit Card (UAE)
The Abu Dhabi Commercial Bank Islamic Gold Credit Card is known as the Most Preferred Credit Card by the citizens of the region. Individuals looking for a low-salary credit card typically prefer the ADCB Islamic Gold Credit Card.
Key Features Of The ADCB Islamic Gold Credit Card
- Applicants are required to have a minimum monthly salary of AED 8,000 in order to get an ADCB Islamic Gold Credit Card.
- Applicants are not charged any Annual Fee in order to apply for the ADCB Islamic Gold Credit Card.
- Travel discounts are offered to applicants upon applying for the ADCB Islamic Gold Credit card.
FAB Cashback Credit Card (UAE)
FAB, or First Abu Dhabi Bank, in UAE, is known for its low-salary credit card and is preferred by individuals who receive irregular monthly income or start off as a beginner with a low salary yet want to manage their finances by opting for a credit card in the UAE
Features Of The FAB Cashback Credit Card
Applicants are required to receive a minimum monthly salary of AED 5,000 in order to access the FAB Cashback Credit Card.
An annual fee of AED 315 is added to the list when applying for a FAB Cashback Credit Card.
Exciting offers and cashbacks can be earned and won by applicants who have the First Abu Dhabi Bank Cashback Credit Card in UAE
Dubai Islamic Consumer Reward Card (UAE)
The Dubai Islamic Consumer Reward Credit Card is a Shari’ah-compliant credit card in the UAE. It is known to offer its users convenient and rewarding financial solutions that strictly align with Islamic Laws and Principles. Preferred by most UAE Nationals, the Dubai Islamic Consumer Reward Credit Card is known for its strict system based on Islamic principles.
Key Features Of The Dubai Islamic Consumer Reward Credit Card
- To apply for the Dubai Islamic Consumer Reward Credit Card, applicants must receive a minimum monthly salary of AED 5,000.
- Upon applying for the Dubai Islamic Consumer Reward Credit
- card, applicants receive a 3% cashback on multiple spending categories, such as school fees, utility bill payments, fuel, automobile servicing, and supermarket and hypermarket purchases.
- Applicants are also offered medical and travel coverage, such as loss of personal belongings, emergency medical expenses, personal accident benefits, baggage loss, and delay.
RAKBANK Titanium Credit Card (UAE)
The RAKBANK Titanium Credit Card contains multiple cashback benefits for applicants, helping them manage expenses and maximise savings while shopping. This credit card for less salary offered by RAKBANK is known to offer No Annual Fee upon applying for the RAKBANK Titanium Credit Card.
Key Features Of RAKBANK Titanium Credit Card
- Applicants receive a 5% cashback reward on every supermarket and dining expenditure.
- The RAKBANK Titanium Credit card is known to be a credit card in the UAE for individuals who receive a lower monthly salary income in UAE and offers about AED 5,000
- The RAKBANK Titanium Credit Card offers its users 50% cashback on entertainment expenditures like movie tickets, popcorn or drinks.
- Applicants do not have to pay an Annual Fee when applying for the RAKBANK Titanium Credit card.
CBD Super Saver Credit Card (UAE)
The Commercial Dubai Bank, in UAE, is known for offering the citizens of UAE a low-salary credit card such as the CBD Super Saver Credit Card. With no annual fee applied on the first year for applicants, this credit card for low salaried person in UAE offers a 10% cash back on the applicant’s daily expenditure.
Key Features Of CBD Super Saver Credit Card
- To apply for the Commercial Dubai Bank Super Saver Credit Card in the UAE, applicants are required to receive a minimum monthly salary of AED 8,000
- Applicants applying for the CBD Super Saver Credit card are not charged any Annual Fee for the first year.
- Upon applying for the Commercial Dubai Bank Super Saver Credit Card, applicants enjoy benefits such as Global Airport Lounge Access.
- Applicants for the CBD Super Saver Credit
- Cards offered benefits such as 10% cashback on utility bills, education, supermarkets, and fuel.
Conclusion
As it has been established, there lies a list of the best credit cards for low salary requirements in the UAE. Some of the low-salary credit cards that have made it to the list with a minimum monthly salary requirement of AED 5,000 and above are the Citi Cashback Credit Card, CBD Super Saver Credit Card, ADCB Islamic Gold Credit Card, FAB Cashback Credit Card, Citi Simplicity Credit Card, HSBC Live + Credit Card, Live Cashback Credit Card, and Citi Premier Credit Card.
