We belong to a generation who is eager and people who need everything at once – taxis, entertainment, food, even credit cards. Speed, usability and ease of use have become standards across all brands, and they expect customers to have strong demand for their services and products. In this case, the bank is no different.
Nowadays, those who want to visit a bank branch or allow a bank representative to visit you, fill out a long application form, submit the necessary documents, wait a few days and only hear: “Sorry, but your application has been submitted. Rejected. ”So if you can apply for a credit card online in the UAE and get immediate approval, that would be great.
In this article we have listed a few credit cards that have amazing perks and privileges and are obtained with an instant approval.
List of top 5 instant approval credit cards
- HSBC Credit card
- Cashback credit card (HSBC)
- Mashreq Solitaire credit card
- Mashreq Bank Credit Card
- Mashreq Elite Credit card
1- HSBC Credit card
In addition to providing the general application process (request to call back, send application by phone, etc.), HSBC now makes the application process for the first application very simple and straightforward. They are new HSBC customers in the UAE. Let’s take a look at how this online application and instant approval process works.
- Fill in your personal information, identity details (UAE ID card, passport and residence visa), work details and address on the application form.
- Submit the application form and save the ARN or application reference number for your future reference.
- Get instant online approval for HSBC credit cards and their credit limits.
- Submit the paper version of the required documents to the HSBC representative.
- The card will be delivered to your address within 24 hours.
2- Cashback credit card (HSBC)
This HSBC credit card is the bank’s only cashback and flagship card variant. There is no annual membership fee for the first year. Starting from the second year, this fee will be waived based on reaching the minimum consumption, otherwise you will have to pay an annual fee of Dh299. The retail interest rate charged is 3.45% per month.
You can get 10% cashback for all fuel consumption (up to Dh100 in one reporting period), 3% cashback for supermarket consumption (up to Dh200 in one reporting period), and 1% cashback for other consumption Quantity). Any cashback you earn will be automatically credited to your card account every month.
Perks and privileges
- You do not need to open a bank account or pay wages to use this credit card in the UAE.
- Enjoy a “buy one get one free” discount on movie tickets at VOX Cinemas in the UAE.
- Get a wide range of offers and discounts through Emirates’ “I Love Meal” program, ENTERTAINER app, etc.
- If you are between 21 and 65 years old, have a monthly salary of at least AED 10,000, and are a UAE resident, you are eligible to apply for this HSBC credit card.
3- Mashreq Bank Credit Card
In order to simplify and digitize the application process for products, Mashreq Bank now provides end-to-end applications and instant approvals for their credit cards. Let us see how it works.
- Start the online application process by verifying your phone number.
- Scan the UAE ID or upload your copy and verify personal details.
- Submit your job details and provide you with an IBAN to verify salary.
- Enter your residential address.
- Obtain credit card approval in the UAE
- The card will be delivered to you within 2 working days-no documents required.
4- Mashreq Solitaire credit card
If you prefer the good things in life, then this credit card from the UAE will not disappoint you. It provides high-level privileges to ensure that your life on Emirates becomes luxurious and comfortable. The annual fee is AED 1575 and the retail interest rate is 3.45% per month.
Reward received
You will have the opportunity to earn 6 Salaam points for every dirham spent internationally in currencies other than UAE dirhams, and 4 Salaam points for every dirham spent on hotel, airline and other travel expenses paid in AED. Earn 2 Salaam points for every dirham spent in the country, except for payments related to telecommunications, charity, education, fuel, utilities, and government payments, in which you can earn 1 Salaam Point for every dirham you spend. You can instantly redeem these points for various products at Mashreq Bank’s partner outlets. You can also use these points to purchase tickets for any airline through Salaam’s dedicated website.
Perks and privileges
- With this Mashreq credit card, you can use more than 900 airport lounges and free guests for free.
- Mashreq Bank also provides free airport transfers for cardholders at Abu Dhabi Airport and Dubai International Airport.
- Get free multi-trip travel insurance for your family and provide up to 90 days of coverage for your local and international travel.
- Use this card to access Fitness First for free and don’t harm your health.
- Enjoy free valet parking facilities at premium locations in Abu Dhabi and Dubai, including Dubai International Airport (T1 and T3), Yas Water world, Ferrari World, Dubai Mall, Ibn Battuta Mall, and Mall of the Emirates Wait.
- Luxury yacht charters can enjoy discounts of up to 30%.
- You can use car assistance facilities in the Emirates.
5- Mashreq Elite Credit card
This is a credit card that provides you with attractive rewards from the Mashreq Salaam points program and has some “elite” privileges. It involves an annual fee of 682.5 dirhams and a retail interest rate of 3.45% per month.
Reward received
You will have the opportunity to earn 5 Salaam points for every dirham spent internationally in currencies other than UAE Dirhams, 3 Salaam points for every dirham spent in supermarkets and AED dining, and every dirham spent locally Ram earns 1 Salaam point. You can instantly redeem these points for a large number of products in more than 2,000 stores. You can also use these points to purchase tickets for any airline through Salaam’s dedicated website.
Perks and Privileges
- With this Mashreq credit card, you can use more than 700 airport lounges for free.
- Travel to any European Schengen country requires a travel insurance certificate, which is included in the visa procedures of these Schengen countries. With this Platinum Elite Card, you can get travel insurance for free.
- Use this card to access Fitness First for free and don’t harm your health.
- Mashreq Bank also provides free airport shuttle services for cardholders.
- Get exclusive discounts of up to 50% on dining and other health and spa, sports, health and fitness, entertainment and leisure.
- It also provides security features such as extended warranty and purchase protectio