Top 10 Credit Cards in UAE under AED 3000

One of the fastest ways of financing is a credit card. Credit cards are issued by banks to their consumers to pay merchants to pay for goods and services. The cardholder, at the end of the month, pays the amount used on the credit card to the bank with the interest payments.

Update: Currently UAE is not providing a credit card to those which salaries are under AED 3000. The minimum requirement of a credit card is AED 5000 on wards.

The card issuer, usually a bank, creates a revolving account and grants a credit line to the cardholder. From this line, cardholders can borrow money as a payment to the merchant or as a cash advance.

Banks in the United Arab Emirates (UAE) have started offering credit cards. The minimum salary limit on the majority of the credit cards is AED 5000. None the less some banks offer credit cards for people who fall in the salary limit of AED 0- AED 3000 with benefits and rewards.

Credit Card Under 3000 AED Salary

Credit Card – Less than 3000 AED SalaryFX RateMinimum Salary
Dubai Islamic Bank Al Islami Internet Credit Card1.95%0
Arab Bank Visa Gold Credit Card2%1000
Arab Bank Visa Classic Credit Card2%1000
Dubai Islamic Bank Al Islami Internet Credit Card1.95%0
Arab Bank MasterCard Titanium Credit Card2%0
Arab Bank Visa Classic Credit Card2%1000

List of Credit Card Under 3000 AED Salary:

  1. Dubai First Bank
  2. Ajman Bank
  3. Mashreq Bank
  4. Arab Bank
  5. Ajman Bank
  6. Dubai First
  7. United Arab Bank
  8. Emirates NBD

Here are the banks which offer credit cards for people with a Salary of AED 3000.

1. Dubai First Bank

Founded in the year 2007, Dubai First Bank is the subsidiary of the First Abu Dhabi Bank. The bank offers a wide variety of credit cards. The bank offers a cashback credit card that has no minimum salary requirement, but they charge an annual fee of AED 400. The rate offered by the bank is 3.19%.

The bank offers the following features:

  1. It offers dining privileges and Complimentary Airport lounge access.
  2. It offers cashback.
  3. Fashion Privileges
  4. Travel Access Privileges
  5. Health and Wellness Privileges

2. Ajman Bank

Ajman Bank is an Islamic commercial bank built on values ​​of trust, integrity, and transparency. Founded in 2007, the bank was the first Islamic bank to be incorporated in the Ajman Emirate. Its stock was listed on the Dubai Financial Market in February 2008. The bank officially opened and started operations in 2009 from two branches of Ajman. The bank now has branches and ATMs in the UAE. 

The bank offers a world power credit card which has no requirement of minimum salary. The bank charges an annual fee of AED 400 on the card. The bank charges no interest on the card. 

The features of the card are:

  1. Earn 1 PowerPoint for every $1 spent
  2. Check and redeem your points on a big online portal. 
  3. The card offers the redemption of the points on more than 300 airlines, more than 300,000 hotels, the redemption of electronic products, etc.
  4. Convert your retail purchases to the same monthly installment, up to 6 months of “monthly free.”
  5. The first 60 days of “free” credit shield takaful insurance for new credit card customers since the date of issue
  6. Instant online banking access
  7. 3D guaranteed online purchase transaction
  8. PIN&CHIP security for all retail items
  9. Up to 4 free replenishment credit cards
  10. MasterCard’s global acceptance of 22 million locations worldwide.
  11. Redemption value is about 2.5% of expenditure
  12. Allow up to 100% cash withdrawal

3. Mashreq Bank

Mashreq Bank PSS is the oldest bank in the UAE. The bank was initially launched as the Bank of Oman. The bank was the first bank in the UAE to introduce debit cards and credit cards. The bank was the first to install ATM and introduce consumer loans

The bank offers credit cards for people with a salary of AED 3000 or less. The bank requires no salary transfer, has no minimum salary requirement, and it does not charge any annual fee. The rate offered by the bank is 3.25%.

The card offers the following features:

  1. Control & security mechanism
  2. Reporting tools
  3. Payment convenience
  4. Insurance coverage
  5. Card setup convenience
  6. It offers vouchers/discounts, travel benefits, and airport lounge access.

4. Arab Bank

Headquartered in Amman, Jordan’s Arab Bank is the largest global network of Arab banks with more than 600 branches in five continents. Arab banks also appear in major financial markets and centers such as London, Dubai, Singapore, Geneva, Paris, Frankfurt, Sydney, and Bahrain. 

Arab banks provide a wide range of financial products and services to individuals, companies, and other financial institutions. The bank’s products and services cover consumer banking, corporate and institutional banking, and money management services.

The bank offers a credit card by the name Arab Bank MasterCard Titanium Credit Card. The card has a minimum salary requirement of AED 1,000. The bank also charges an annual fee of AED 300. With a rate of 3.25%, the banks offer features like balance transfer and cashback. The foreign exchange rate is applicable, which is 2%.

The card offers benefits like 

  1. Free supplementary credit cards.
  2. Get complimentary lounge access across the Middle East.
  3. Credit Cards special discounts on certain retail stores.
  4. Convenient Easy Payment Plan starting from as low as 1%.
  5. Avail offers under Master Cards Priceless Arabia Program.
  6. Get facilities such as credit shield insurance and fraud protection.

5. Noor Bank

Formerly known as ‘Noor Islamic Bank.’ The bank was established in 2008 in Dubai. Noor Bank is a Sharia-compliant, full-service bank offering a wide range of products and services for both corporate and personal banking, wealth management, takaful (Islamic insurance), inventory, and trade. It is located throughout the Abu Dhabi, Dubai, Sharjah and Al Ain.

The bank offers a credit card by the name Noor wealth world Card. The card charges an annual fee of AED 1000, but there is no minimum salary requirement, and the bank does not require a salary transfer of any sort. The rate charged by the bank is 3.25%.

The card offers the following features

  1. It offers cashback, discounts offers, travel benefits, gold benefits, and access to airport lounges.
  2. Buy 1 Get 1 free on over 900 offers on Dining and Hotel nights
  3. Complimentary Global Internet Calling
  4. Complimentary U by Emaar loyalty program membership
  5. Valet Parking
  6. Annual Fees waived

6. Ajman Bank

Ajman Bank is an Islamic commercial bank built on values ​​of trust, integrity, and transparency. Founded in 2007, the bank was the first Islamic bank to be incorporated in the Ajman Emirate. Its stock was listed on the Dubai Financial Market in February 2008. The bank officially opened and started operations in 2009 from two branches of Ajman. The bank now has branches and ATMs in the UAE.

Ajman Bank offers a gold credit card that has no requirement for a minimum salary, and it does not require any salary transfer. The card is compliant with sharia and Islamic laws, which is why the bank does not charge any interest rate on the card.

The benefits of the card are:

  1. The card offers air miles, free supplementary cards, and online banking.
  2. Earn 1 PowerPoints for every USD 1 spent on all purchases
  3. PIN & CHIP security on all the retail purchases
  4. Up to 4 Free Supplementary Credit Card
  5. “FREE” Credit Shield Takaful Cover for the first 60 Days for New Credit Card Customers from the date of issuance
  6. Instant Online banking access
  7. Redemptions at more than 300 airlines, more than 300,000 hotels
  8. Redemptions of electronics items and much more
  9. The redemption value of approximately 2.5% of spend
  10. Up to 100% cash withdrawal allowed
  11. Global acceptability at more than 22 million locations worldwide through MasterCard.
  12. Convert your retail purchase in equal monthly installments up to 6 months ‘FREE OF MONTHLY FEE.’
  13. 3D Secured Online Purchase Transaction

7. Mawarid Finance

The company is a joint-stock company which offers shariah-compliant financial services in Dubai, UAE. The company was established in 2006. All of its products are based on Islamic financial principles such as Ijarah, Istisnaa, Murabaha, Mudharaba, Musharaka, Kafalah, and Wakala, and a full Sharia board governs its practices.

The company offers Souhoula Saver Platinum MasterCard, which has no minimum salary requirement, no annual fee, and no salary transfer. The rate applied to this card is 1.49%. 

The card offers the following features:

  1. Balance transfer and cashback features
  2. Discounts across shopping, leisure, and entertainment from Falak Tayyeb Savers
  3. Pre-approved Credit Card
  4. No Documents required
  5. Luxury Shopping
  6. Privileges with Reboonz.com
  7. MyUS.com premium shipping discounts
  8. Purchase protection of up to $2,000 per claim and a maximum of $5,000 over 12 months
  9. Easy Payment Plan.
  10. FREE for LIFE
  11. 1% Cash Back in Savings Sukuk through Rewards Loyalty Program
  12. Chances of saving and winning monthly and quarterly prizes with National Bonds Corporation
  13. Cash-on-Call Facility
  14. Complimentary airport lounge access
  15. Up to 30% discount on travel bookings through ClearTrip.com
  16. 100% Credit Limit cash withdrawal
  17. Chip & PIN Security
  18. 3D Secure Authentication for online purchases
  19. Discounted chauffer rides with Careem
  20. “Buy 1; Get 1” offers from MasterCard

8. Dubai First

Founded in the year 2007, Dubai First Bank is the subsidiary of the First Abu Dhabi Bank. The bank offers a wide variety of credit cards. The bank offers a Dubai first Amazing platinum card.

The card has no minimum salary requirement and charges an annual fee of AED 200. The bank applies a rate of 3.19% and does not require any salary transfer.

The card offers many benefits

  1. 15% discount on F&B & 10% discount on merchandise inside the Parks
  2. Complimentary airport lounge access across the Middle East and North Africa
  3. Access to select premium health clubs across the UAE
  4. Q-Fast privileges
  5. 50% discount on Movie Tickets in Cinemas across the UAE
  6. Access to dozens of incredible discount offers from Master card’s Priceless Cities
  7. 25% savings on 1-day tickets

9. United Arab Bank

Founded in 1975, United Arab Bank is a private joint-stock company in the Emirate of Sharjah, United Arab Emirates. UAB is recognized as a leading provider of financial solutions serving the growing commercial and industrial bases of the UAE.

The bank offers a signature credit card which has no interest, no minimum salary requirement, and it does not require any salary transfer. The bank does charge an annual fee of AED 500. 

The card offers benefits like 

  1. Exciting discounts on hotels & holidays with hotelclub.com and visa luxury hotel collection.
  2. Complimentary Worldwide airport lounge access.
  3. International concierge service.
  4. Exciting EPP offers
  5. Loan on phone facilities
  6. Multi-trip travel insurance.
  7. Balance Transfer at 0% interest
  8. Exclusive offers across Jumeirah

10. Emirates NBD

One of the leading banking groups in the United Arab Emirates was established in 1963. It has operations in the United Kingdom, Egypt, India, United Arab Emirates, Singapore, and Saudi Arabia.

The card which the Emirate National Bank of Dubai offers is the visa platinum credit card. The card has no minimum salary requirement, it charges an annual fee of AED 700, and it does require a salary transfer. The bank applies a rate of 3.25%. 

The card offers benefits like

  1. International Medical & Travel Assistance
  2. 0% Interest in participating merchants
  3. Low-interest rates for all your purchases
  4. Instant Cash Withdrawal
  5. Online Access
  6. Extended Warranty
  7. Contactless Payment
  8. Flexible Payment Options
  9. SMS Alerts
  10. 6-12 Months easy installments
  11. Purchase Protection
  12. Protect Plus Insurance
  13. Exclusive movie offers
  14. 24 Hour Assistance
  15. Interest-Free Days

There are many other credit cards with many different benefits offered by banks in the UAE. The thing with credit cards is that you need to research thoroughly and understand the terms and conditions of the bank regardless of the income bracket you fall into.

*Note: The rules can be changed from bank any time for many reasons. We will keep updating this list.

Update List May 2020

One of the fastest financing methods is credit cards. Banks issue credit cards to their consumers to pay merchants to pay for goods and services. At the end of the month, the cardholder pays the bank the amount used on the credit card, along with interest. A bank creates a revolving account for a customer and provides the customer with a line of credit for the credit card. On this trip, the cardholder can lend money to the seller as payment or cash advance. Banks in the United Arab Emirates (UAE) have begun to provide credit cards. The minimum wage limit for most credit cards is AED 5000. However, some banks provide credit cards and benefits for people whose income is between AED 0 and AED 3000.

List of credit cards with a salary below 3000 AED:

  1. Mashreq bank
  2. Ajman Bank
  3. United Arab Bank
  4. Emirates NBD
  5. Arab bank
  6. Dubai First Bank
  7. Noor bank

These banks provide credit cards for people with an annual salary of AED 3000.

Mashreq Bank

Mashreq Bank PSS is the oldest bank in the UAE. The bank was originally created as the Bank of Oman. The bank is the first bank in the UAE to introduce debit and credit cards. The bank was the first bank to establish an ATM and introduce consumer loans. Banks provide credit cards for people with an annual salary of 3,000 AED or lower. Banks do not require the transfer of wages, no minimum wage requirements, and no annual fees.

The interest rate proposed by the bank is 3.25%. The card is equipped with a control and security mechanism, reporting tool, ease of payment, insurance coverage, easy card setup and provides coupons/discounts, travel benefits, and access to the airport lounge.

Ajman Bank

Ajman Bank is an Islamic trade bank based on trust, honesty, and transparency values. The bank was established in 2007 and is the first Islamic bank registered in the Ajman Emirate. Its shares were traded in the Dubai financial market in February 2008. The bank was officially opened in two branches in Ajman in 2009 and started its operations. Currently, the bank has branches and ATMs in the UAE.


The bank provides a universal credit card that does not require a minimum wage. The bank charges an annual fee of AED 400 from the card. The bank does not charge interest on the card. On this card you can earn 1 PowerPoint for every dollar spent, you can check and exchange your points on a large online portal. The card can be redeemed for points of more than 300 airlines, more than 300,000 hotels, and electronic products. You can convert your retail purchases into the same monthly installment, up to 6 months “monthly free”. You get 60 days before issuing a “free” credit shield, for new customers who have a credit card, from the moment of issuance they are provided with insurance, instant access to online banking, and a guaranteed 3D online purchase transaction. You get up to 4 free credit cards to replenish your balance, MasterCard is accepted at 22 million points worldwide. The repayment amount is approximately 2.5% of the costs and allows you to withdraw up to 100% of the cash.

United Arab Bank

The United Arab Bank was founded in Sharjah, United Arab Emirates, in 1975 as a private joint-stock company. UAB is recognized as the leading provider of financial solutions for the growing business and industrial base in the UAE. A signed credit card provided by a bank has no interest, minimum wage requirements, and does not require any wage payments. The bank charges an annual commission of 500 dirhams. The card has big discounts on hotels and vacations using hotelclub.com and a series of luxury Visa hotels, free use of VIP lounges at airports around the world.
International concierge service, Exciting EPP offers, Credit, phone, Travel insurance for several trips, balance transfer, interest rate 0%

Emirates NBD

One of the leading banking groups in the United Arab Emirates was founded in 1963. She works in the UK, Egypt, India, the United Arab Emirates, Singapore, and Saudi Arabia. The card provided by the Bank of Dubai is a Visa Platinum credit card. The card does not require a minimum wage, an annual fee of 700 dirhams is required and a salary transfer is really required. Banks apply an interest rate of 3.25%.

The card has international medical and tourist assistance, 0% equity of participating sellers, low-interest rates on all your purchases, instant withdrawal of funds, online access, extended warranty, contactless payment, flexible payment methods, installment payment for 6-12 months, protection of purchases, protection plus insurance, the exclusive movie offers and an interest-free day. Banks in the UAE also offer many other credit cards with various benefits. The problem with credit cards is that no matter what income level you belong to, you need to conduct an in-depth study and understand the conditions of the bank.

Arab bank

The Bank of Jordan, based in Amman, is the largest network of Arab banks in the world, with more than 600 branches on five continents. Arab banks also appear in major financial centers such as Dubai, London, Singapore, Paris, Geneva, Frankfurt, Bahrain, and Sydney The Arab Bank offers a wide range of products and services to people and businesses.

Bank products and services include consumer banking, corporate and corporate banking, and money management services.

The bank provides credit cards in the name of the MasterCard Titanium Arabic Bank Credit Card. The minimum wage for this card is 1000 dirhams. The bank also charges an annual fee of 300 dirhams. These banks provide features such as balance transfer and cashback at a rate of 3.25%. The applicable exchange rate is 2%.

The card has such advantages as free credit card recharge, free access to waiting rooms throughout the Middle East. Some retail stores have special credit card discounts. Convenient and simple tariff plan, only 1%. You can take advantage of the MasterCard Invaluable Arab program offers, as well as receive amenities such as credit protection and fraud protection.

Dubai First Bank


Dubai First Bank was founded in 2007 as a subsidiary of First Bank Abu Dhabi. The bank offers various credit cards. The bank provided a credit card with a cash refund without a minimum wage requirement, but an annual fee of 400 dirhams was taken. The interest rate provided by the bank is 3.19%. The bank provides the right to food and free access to the airport lounge. This provides a money-back, fashionable courtesy, travel privileges and medical benefits.

Noor Bank

Formerly known as Nur Islamic Bank. The bank was founded in Dubai in 2008. Noor Bank is a Sharia-compliant full-service bank that provides a wide range of products and services for corporate and personal banking, asset management, Takaful, inventory, and trading. It is located in Abu Dhabi, Dubai, Sharjah, and Al Ain City. The bank provided a Noor rich World Card credit card. The annual fee for the card is 1000 dirhams, but the minimum wage is not required, and the bank does not require any form of transfer of wages. The interest rate charged by the bank is 3.25%. The card provides refunds, discounts, travel discounts, gold discounts, and access to airport lounges. You get “Buy One, Get One Free” at over 900 discounts on meals and hotel accommodations, free global Internet calls, free U-program as part of the Emaar membership program, parking service, and annual fee.

34 Comments

  1. I enquire all bank listed in this article all they say minimum balance to avail credit card facility is 5000.00 AED. kindly make sure this post is genuine 22/02/2020

  2. I would like to know, whether I am eligible to use a credit card or not, my salary of 3000 AED is transferred directly to my bank account, in addition to the salary, the company provides incentives, transport and accommodation. Please tell me I am eligible or not.

  3. I would like to know, whether I am eligible to use a credit card or not, my salary of 3000 AED is transferred directly to my bank account, in addition to the salary, the company provides incentives, transport and accommodation. Please tell me I am eligible or not.

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