Finding a credit card that matches your needs can be challenging, especially if your salary falls below AED 5000. However, many UAE banks recognize the growing demand for credit cards tailored to low-income earners and have introduced products specifically for this market segment. Whether you need a credit card for emergency expenses, online shopping, or travel rewards, there are options available even if your salary is modest.
This article outlines the top 5 banks in the UAE that offer credit cards for individuals with a salary of up to AED 5000. We’ll dive into their eligibility criteria, the features and benefits of each card, and what makes them stand out in the UAE’s competitive credit card market.
1. RAKBANK Low Salary Credit Card
RAKBANK offers one of the most popular credit cards for low-income earners, making it an excellent choice for individuals with salaries starting from AED 5000. The bank has tailored this card to meet the financial needs of users, offering flexibility and essential benefits.
Key Features:
- Minimum salary requirement: AED 5000
- No annual fees
- Flexible payment options
- Cashback offers on various purchases
- Free access to airport lounges
This card is ideal for those looking to manage their expenses smartly, as it includes cashback on specific categories, helping you save money on your everyday expenses.
RAKBANK Low Salary Credit Card: Explore the Features, Cashback Offers, and How to Apply is now live.
2. ADCB SimplyLife Credit Card
Abu Dhabi Commercial Bank (ADCB) offers the SimplyLife Credit Card, which is designed specifically for low-income earners. It comes with a host of features that appeal to first-time credit card users or those with lower income brackets.
Key Features:
- Minimum salary requirement: AED 5000
- No annual fee for the first year
- Cashback on supermarket purchases
- Discounts on dining, entertainment, and travel bookings
- Free remittance options
This card is perfect for individuals who want a straightforward credit card that offers rewards on everyday spending, without the burden of high fees.
3. FAB Standard Credit Card
The First Abu Dhabi Bank (FAB) Standard Credit Card is another great option for individuals earning up to AED 5000. It is designed to provide value for money, offering competitive interest rates and a variety of benefits, particularly in travel and entertainment.
Key Features:
- Minimum salary requirement: AED 5000
- Travel benefits, including discounts on flight bookings
- Complimentary access to select airport lounges
- Special offers on shopping and dining
- Free supplementary cards for family members
FAB’s Standard Credit Card is ideal for frequent travelers and individuals who want access to exclusive lifestyle perks without having to meet a high salary requirement.
4. Mashreq Bank Easy Saver Credit Card
Mashreq Bank’s Easy Saver Credit Card is designed for those who prioritize savings while using a credit card. With a low minimum salary requirement and no annual fees, this card is perfect for individuals looking to manage their expenses and save money on their daily purchases.
Key Features:
- Minimum salary requirement: AED 5000
- No annual fees
- High cashback rates on supermarket and fuel purchases
- Discounts on dining and shopping
- Interest-free installment plans for up to 12 months
The Mashreq Easy Saver Credit Card is best suited for users who want to maximize their savings and cashback rewards on day-to-day expenses.
5. Emirates NBD Visa Platinum Credit Card
Emirates NBD’s Visa Platinum Credit Card is a great choice for expats and UAE residents with a salary of up to AED 5000. This card is packed with features that make it an excellent tool for managing expenses, while offering valuable perks such as access to exclusive deals and promotions.
Key Features:
- Minimum salary requirement: AED 5000
- Complimentary access to airport lounges globally
- Up to 10% cashback on travel and leisure
- Flexible payment options with low interest rates
- Zero annual fee for the first year
This card is well-suited for individuals looking for flexibility in repayments and for those who enjoy travel-related perks.
Conclusion
While earning a salary of AED 5000 or less may limit your choices when it comes to credit cards, the UAE banking sector offers several solid options that come with competitive features and rewards. The five banks mentioned above have tailored their credit card offerings to meet the needs of low-income earners, providing financial flexibility, cashback, and travel perks without the burden of high annual fees or stringent salary requirements.
Each of these banks provides unique benefits, so it’s essential to assess your financial habits and needs before choosing the best card for you. From cashback rewards to travel benefits, these credit cards can offer great value, even with a modest salary.
