Best credit cards for a lower salary
Every one of the 32 cards that need a monthly salary of AED 5,000 or less in our list. Each card is placed by its highest published category rate, shown on the right with the category it applies to; ties go to the lower annual fee. That rate usually covers one kind of spending, so open the card page to see every rate and the small print.
Cashback 18
Emirates Islamic · No fee · salary AED 3,00010%fuel2CBD Super Saver
Commercial Bank of Dubai · AED 420 · salary AED 5,00010%groceries3Cashback Card
Mashreq · No fee · salary AED 5,0005%dining4Cashback Credit Card
Al Hilal Bank · No fee · salary AED 5,0005%dining5FAB Islamic Cashback Credit Card
First Abu Dhabi Bank · AED 300 · salary AED 5,0005%dining6FAB Cashback
First Abu Dhabi Bank · AED 315 · salary AED 5,0005%dining7Cashback Card
Dubai First · AED 418.95 · salary AED 5,0005%dining8ADIB Cashback Platinum
Abu Dhabi Islamic Bank · AED 99 · salary AED 5,0004%groceries9FAB Z Card
First Abu Dhabi Bank · AED 105 · salary AED 5,0003%dining10Consumer Cashback
Dubai Islamic Bank · AED 249 · salary AED 5,0003%dining11Cashback Plus
Emirates Islamic · AED 299 · salary AED 5,0003%dining12CBD ONE Card
Commercial Bank of Dubai · No fee · salary AED 5,0002%cinema13Liv Tamayaz Platinum
Liv · No fee · salary AED 5,0002%dining14CBD Titanium Mastercard
Commercial Bank of Dubai · No fee · salary AED 5,0001.5%travel15Talabat ADCB Credit Card
ADCB · No fee · salary AED 5,0001.25%travel16noon Credit Card
Mashreq · No fee · salary AED 5,0001%dining17noon One Visa Credit Card
Emirates NBD · No fee · salary AED 5,0001%groceries18Citi Simplicity
Citibank · No fee · salary AED 5,000—
Points 13
Commercial Bank International · AED 150 · salary AED 5,0005 ptscinema2LuLu 247 Platinum Mastercard
Emirates NBD · AED 262.5 · salary AED 5,0004%fuel3LuLu 247 Titanium Mastercard
Emirates NBD · No fee · salary AED 5,0002%fuel4FAB Rewards Active Credit Card
First Abu Dhabi Bank · AED 315 · salary AED 5,0002 pts (≈0.59%)dining5Ruya Max
Ruya Community Islamic Bank · AED 480 · salary AED 02 ptsdining6Visa Flexi Credit Card
Emirates NBD · AED 735 · salary AED 5,0001.5%dining7ADCB LuLu Platinum
ADCB · No fee · salary AED 5,0001.25 pts (≈1.25%)dining8ADCB LuLu Titanium
ADCB · No fee · salary AED 5,0001 pts (≈1%)dining9U By Emaar Family Visa Card
Emirates NBD · No fee · salary AED 5,0001%dining10Titanium Credit Card
Emirates NBD · AED 420 · salary AED 5,0001%dining11TouchPoints Platinum
ADCB · AED 630 · salary AED 5,0001 pts (≈0.5%)dining12Darna Select
Emirates NBD · No fee · salary AED 5,0000.75%dining13Prime Classic Card
Dubai Islamic Bank · No fee · salary AED 5,0000.5 pts (≈0.25%)dining
Miles 1
Cashback is a percentage of spend. Points and miles are shown the way each bank states them: as % back, or as points or miles per AED 1, with an approximate % value (≈) where the bank publishes what a point is worth. Miles and hotel points have no fixed cash value, so they are never converted. Cashback, points and miles are ranked separately. “—” means the bank publishes no category rate we can rank for that card.
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