Credit Card in UAE on 3000 Salary

It is important to know how to get a credit card in UAE on 3000 salary to use it everywhere. A credit card allows you to pay your rent, utility bills and shopping bills easily. Many banks in UAE offer credit cards with 48 to 55 days of interest-free credit without any hidden charges.

Can I Get a Credit Card in UAE on AED 3000 Salary?

Yes, you can get a credit card in UAE on AED 3000 salary from some banks. Most banks in UAE offer credit cards to individuals with a minimum monthly salary income of AED 5000 or more. But some banks provide credit cards to individuals with AED 3000 or low salary.

So, you can apply for a credit card in UAE even if you earn a monthly salary of AED 3000. But you must find out the bank that provides a credit card on low salary and then apply with required documents.

How to Get a Credit Card in UAE on 3000 Salary

Getting a credit card in UAE on AED 3000 salary seems difficult but it is possible.

You can get a credit card on AED 3000 salary if you open a fixed deposit account or a term deposit account.

There are some banks in UAE that provide credit cards with exciting offers to the FD account holders. So, you can get a credit card after opening an FD account with the bank. Such banks are National Bank of Fujairah (NBF), Attijari Al Islami Bank, Mashreq Bank, Commercial Bank of Dubai (CBD) and others.

First of all, you should visit a nearby bank of branch to know how to open a fixed deposit account. You should also ask the bank officer about how to get a credit card against FD so that you can apply for it later.

After your FD account is opened at the bank, you can apply for a credit card against fixed deposit. The bank can provide the credit limit of 70 to 90% of your FD amount with zero interest or profit for up to 50 days.

Minimum Salary to Get a Credit Card in UAE

You can get a credit card in UAE on 3000 salary by opening an FD account. In case you are looking for a credit card on your salary without FD then you must meet the minimum salary criteria. The minimum salary to get a credit card in UAE is AED 5000 or more.

You must have a minimum monthly salary of AED 5000 to apply for a credit card in UAE in 2023. You need to submit your salary certificate with your credit card application and other documents.

If your salary is below AED 5000 then then bank may reject your application for not meeting minimum salary required for a credit card.

Eligibility Criteria to Get a Credit Card in UAE

The banks in UAE provide credit cards to UAE nationals and UAE residents (expatriates) if they meet the eligibility criteria. In case you want to apply for a credit card in UAE, I suggest you to check the eligibility criteria below before you apply.

UAE National or UAE Resident:

The applicant must be either a UAE national or a UAE resident with a valid Emirates ID, residence visa and other documents.

Minimum Age:

The applicant must be minimum 21 year old to apply for a credit card in UAE. Some banks may allow the age of 18 years but the applicant must provide a valid income proof.

Minimum Salary or Other Income:

The applicant must be earning a minimum salary of AED 5000 per month. In case of other income, the applicant must meet the minimum income criteria as required by the bank.

Credit History and Credit Score:

The bank will check your credit history and credit score to know your financial reputation. If you failed to pay any loan EMI on time in the past, it has created a bad impression on your credibility. It can cause the rejection of your credit card application by the bank.

The bank will check your credit score that ranges between 300 and 900. With a clean credit history and a good credit score, the bank can approve your credit card application.

Salary Transfer to Same Bank:

The chances of getting a credit card are more if your salary is transferred to the same bank. Some banks ask the individuals to open a salary account to get their salary transferred to the bank and then apply for a credit card with all required documents.

The salary transfer condition can vary from one bank to the other bank in UAE. So, I suggest you to check the condition with your desired bank before you submit your credit card application.

So, you must meet the above eligibility criteria to get a credit card in UAE and use it for your everyday expenses.

Required Documents for a Credit Card in UAE

In order to apply for a credit card in UAE, you must meet its eligibility criteria. In addition, you must agree with the terms & conditions set by the bank and you must have all required documents to submit with your credit card application to the bank.

Here I provide the list of important documents for a credit card in UAE as under.

• A Certified Copy of Your Emirates ID
• A Copy of Your Valid Passport
• A Copy of Your Valid UAE Residence Visa (for Expatriates)
• A Copy of Your Salary Certificate (Issued Before Less than 30 Days)
• A Valid Address Proof
• A Valid UAE Mobile Number and An Active Email ID

You must fill up your credit card application form with correct information and sign it. Then attach all the above documents to the application form and submit the same to the bank for review & verification purposes.

In case you want to apply online for a credit card in UAE, you have to upload all required documents. Make sure that you upload all valid documents with clear visibility to avoid rejection by the bank due to incomplete or invalid documents.

Final Verdict

The minimum required salary for a credit card in UAE is AED 5000 yet you can get a credit card with your salary as low as AED 3000. You can open a fixed deposit (FD) account at NBF bank or other bank that offers credit cards against fixed deposits.

After opening your FD account, you can apply for a credit card against FD and the bank will approve it ASAP. In this way, you can get your credit card approved on 3000 salary and enjoy using it to get exciting cashback rewards from the bank.

In case you cannot open an FD account then you should wait for your salary to cross the mark of AED 5000 per month. Thereafter you can get a credit card based on your salary certificate without opening any FD account.

FAQs

It is difficult to have a credit card on a low salary but it is possible in a different way. Here I provide some common questions about how to get a credit card in UAE on 3000 salary. You should read all FAQs and their answers carefully.