A credit card in UAE on 4000 AED salary
Currently, there is no financial institution in the UAE that offers credit cards to people earning a minimum salary of AED 4000. The minimum salary required for a credit card is AED 5000 for most financial institutions. If you earn below AED 5000, you will need two things to apply for a credit card.
First, you will need to have a savings of AED 3000. Please note that after you have applied for the credit card, you can’t clear the savings for a few days. Second, you should have a good credit score. You can apply for a credit card when you have the above two requirements.
My suggestion would be not to have any credit card for a salary below AED 4000 in UAE. Moreover, if you have a credit card your spending habits will be difficult hence it is not advisable to have credit cards.
In UAE, a credit card is not a must unlike in European and North American countries. If you are really willing to move around with less cash, the best option will be Debit Card and it is acceptable in almost all places in UAE provided if it is issued by VISA / Master Card.

A credit card in UAE on 4000 AED salary in 2022
For most of us Dubai ex-pats, owning a credit card is a common situation and a seeming impossibility especially. If you earn below AED 5,000, the minimum required salary to apply for a credit card in most, if not all, U.A.E. banks.
There are credit cards offered by Dubai Islamic Bank Al Islami Internet Credit Card and Arab Bank Internet Shopping. As the name suggests they are both internet shopping cards. For credit cards with more facilities, the minimum salary required is AED 5000.
Now, what if I told you that I, a below-5,000-salary-earner, was able to apply – and was recently granted – a credit card with a credit limit more than triple my monthly salary?
Before anything else, we advise everyone not to think of a credit card as ‘extra money to spend. Remember that when you have a credit card, you are borrowing money from the bank which means you are obliged to pay it (including other transaction fees).
What are some of the best credit card offers in the UAE?
Find, Apply and compare for the best credit card in Dubai and UAE.
Compare credit cards from UAE Banks, Compare Best Features, Best offers, Compare all the banks. Credit Cards offers, Rak Bank Credit Cards, ADCB Credit Card and more, Visa Card offers, Master Cards offer.
The Best credit cards in UAE – Top 5 Cards of 2022
- Emirates Islamic Cashback Plus Credit Card. – BEST FOR CASHBACK REWARDS – Earn up to 10% cashback on Supermarkets, Education, Dining, and Telecom
- HSBC Platinum Select Credit Card – BEST FOR BALANCE TRANSFER – For the first 6 months enjoy 0% interest on the balance you transfer, 6,12 & 24 months tenor is available with nominal fees
- ADIB Booking.com: The largest selection of hotels, homes, and vacation rentals Signature Card – BEST FOR TOURISM– 10% discount on hotels- 7% discount on car rentals through rentalcars.com-5% cashback on flight- 4% cashback on fuel spends & much more
- Najm Platinum Credit Card – BEST FOR MOVIE TICKETS – Buy 1 Get 1 Free at VOX Cinemas- 3% Cashback every Tuesday at Carrefour- 1.5% Cashback everyday at Carrefour. Save up to AED 200 every month – 0.5% Cashback everywhere Visa is accepted
- FAB Etihad Guest Credit Card – BEST FOR AIR TRAVEL -75% Etihad Guest Miles discount voucher- Receive 110,000 Etihad Guest Miles as a welcome bonus-over 900+ airport lounges access -Airport Pick Up and Drop Off Service & more
A credit card in UAE on 4000 AED salary
Credit cards are a way of life for many people here in the UAE and can either prove to be very handy for the wise spender or debt trap for those who are not careful with their spending. The lure of a credit card particularly gives deals in UAE, is very high as many ex-pats who move here are tempted by the flashy lifestyle and its accompanying trappings.
Fancy cars, expensive clothes, and eating out can exact a heavy toll on your wallet, but unfortunately are so common that many ex-pats opt for the credit card route in order to live the lavish lifestyle, little realizing that everything spent will ultimately need to be paid back.
Most banks and other financial institutions offer credit cards with spending limits that are two or three times that of your monthly salary, which is very attractive to many people. However, this means that to pay back the credit card dues, you would need to work for two or three months without spending any money on anything else.
Instead, opt for a sensible limit on your card so that expenses are manageable and can be paid off in a month’s time if required. Remember that all debts and loans in the country have to be paid off before you can relocate elsewhere. So being able to pay off your credit card bills in the future is extremely important.
What to look for in a credit card
Having said this, credit cards (if used sensibly) can be very effective in managing finances, earning rewards on everyday expenses, and maintaining your cash flow.
There are several criteria that should be considered before opting for a particular credit card:
- Interest rates: These should be carefully considered and may vary based on monthly salary and place of employment.
- Salary requirements: Most credit cards have a minimum salary requirement, so make sure that you are eligible for a particular card.
- Foreign currency rate: If you are a frequent traveler, consider how much extra you will be paying for transactions conducted in a foreign currency. Most credit cards will charge a fee that is a percentage of money spent on overseas transactions.
- Annual fee: Read the fine print. Many cards advertise “No Annual Fee” for the first year, but these do apply from the second year onwards.
- Other fees and charges: Look for these hidden fees such as late payment fees.
- Benefits offered: Consider the benefits offered such as air miles, access to airport lounges, cashback, and discounts in partner companies.
How to Get a Credit Card In Dubai (UAE)?


Get a Credit Card In Dubai

A credit card in UAE on 4000 AED salary

Compare credit cards
Need a credit card? UAE banks offer a wide range of credit cards. So it is important to compare all of them carefully to see which one is the best for you.
To find the best credit card, you should consider all items such as fees, rates, minimum salary applicable to each credit card, and more.
Whether you are looking for discounts for restaurants, cashback, airport lounge access or many other benefits, we will help you choose the most suitable credit card for you.
Leave the hard work on us and let us find you the best deals!
✓ Use the cursor to focus your search on the features you would like to have with your credit card
✓ Focus your search better by clicking on what is most important to you, whether it be requirements such as minimum salary, annual fees, or rate of return
✓ Looking for more of the details? You can read more information about each product by clicking on ‘View more details
✓ Find the right product for you? Click “Apply Now”, fill out the form and we will get back to you!
Why is the Tamkeen Card the best credit card you can get?
The Tamkeen credit card from Bank Albilad is a unique “Visa” credit card that allows the customer to buy what he wants from any store and then pay the due amount in easy monthly installments without any profit margin or increase!
The Tamkeen card is considered one of the best credit cards that offer the option of installments in a manner compatible with the regulations of the Shariah Board, as it offers its holder the best offers and discounts in easy installments, competitive annual fees and without any profit margin.
Apply now
What are the advantages of the Tamkeen credit card from Bank Albilad?
- Compliant with the regulations of the Shariah Committee.
- The possibility of paying the card in installments without calculating any profit margin or interest.
- Possibility to reuse the available balance.
- Pay the card in easy monthly installments of only 5% of the outstanding amount or 200 riyals (whichever is higher).
- Ease of adding the card in Apple Pay and Mada Pay
- Take advantage of Albilad Rewards Program to get various travel and tourism rewards, vouchers or even cash back!
- The ability to withdraw cash from the ATM (up to 30% of the credit limit).
- Possibility to use the card for payment at POS machines (up to 100% of the credit limit).
- Many ongoing and seasonal offers and discounts.
- Ease of using the card in online shopping with high levels of security.
- Possibility of early repayment of the amount due.
- Access to luxurious airport lounges: Experience the world of luxury in 25 airports around the world with the Platinum Tamkeen Card from Bank Albilad through the DragonPass program provided by the international company Visa. For more click here
- Protection: The card provides protection to the holder, as it covers medical and legal referrals, as well as purchase protection
- Extended Warranty: This service allows you to have the repair period guaranteed by the manufacturer’s warranty up to one year
A realistic example of a customer who purchased 15,000 riyals through a Tamkeen card
Ahmed went to a large shopping mall and bought a new mobile for 5000 riyals, then he bought clothes and electronic games equipment for 5000 riyals, then he withdrew a cash amount through an ATM for 1,000 riyals, after which he booked travel tickets and accommodation in a hotel for the weekend for 4000 riyals.
In the table below is the Tamkeen card payment mechanism and the automatic payment cycle for the amount that was used by Ahmed: (the maximum limit for the card is 15,000 riyals).
Tamkeen Credit Card Payment Mechanism
A very low monthly installment is deducted 5% of the amount due or 200 riyals, whichever is higher. Please find below an illustrative example of the payment process.
Payment is made automatically on the 25th of each Gregorian month.
Can the customer make an early payment for the card?
Yes, the customer can make a payment through the bank’s website and the Albilad app.
What is the point of sale usage limit for Tamkeen credit card?
100% of the available credit limit of the card. Subject to the cash withdrawal limit.
What is the cash withdrawal limit for Tamkeen credit card?
30% of the card’s credit limit.
What is the minimum salary?
For transferred clients, the minimum monthly salary is 3,000 riyals.
What is the method of calculating the profit margin?
No profit margin is charged on the card. See the following table:
Number of months to repay the card | Minimum Payment | monthly profit margin | Annual Percentage Rate |
46 months* | 5% or 200 riyals, whichever is higher | 0% * | 0% * |
- Number of months to pay the card: Assuming that the credit limit of the card is 15,000 riyals, which is the upper limit, and the card has not been reused during the payment period.
- Monthly Profit Margin: No monthly profit margin is calculated.
- Annual Percentage Rate: Annual Percentage Rate (APR) is not calculated.
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A credit card in UAE on 4000 AED salary
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Yes, you can get a credit card, read the last section of the post. There are a full guide with a phone number.
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