Credit cards for a salary of AED 5,000 in the UAE (October 2026)
All 32 UAE credit cards we track that need a monthly salary of AED 5,000 or less, grouped by cashback, points and miles, with fees and small print.
32 of the 114 credit cards in the CardMax catalogue ask for a minimum monthly salary of AED 5,000 or less: 18 cashback, 13 points and 1 miles cards, from 15 banks. 16 of them have no annual fee.
Cashback cards 18
| Card | Best rate |
|---|---|
| 1. Emirates Islamic RTA Credit Card Annual fee: No fee · Min. salary: AED 3,000 Small print: No cashback unless AED 1,000 is posted to the statement for the month. 10% on fuel and RTA is capped at AED 75 each a month (Emirates Islamic). | 10%fuel |
| 2. Commercial Bank of Dubai CBD Super Saver Annual fee: AED 420 · Min. salary: AED 5,000 Small print: Advertised as 'up to 10%' on bills, education, supermarkets and fuel. Cashback is capped at AED 600 a month (CBD). | 10%groceries |
| 3. Mashreq Cashback Card Annual fee: No fee · Min. salary: AED 5,000 Small print: 5% local & international dining — no cap · No minimum spend required | 5%dining |
| 4. Al Hilal Bank Cashback Credit Card Annual fee: No fee · Min. salary: AED 5,000 Small print: 5% only on the 2 categories you choose. Pick from grocery, education, fuel, international and dining; everything else earns 1%. Capped at AED 500 a month (Al Hilal Bank). | 5%dining |
| 5. First Abu Dhabi Bank FAB Islamic Cashback Credit Card Annual fee: AED 300 · Min. salary: AED 5,000 Small print: 5% cashback (capped AED 300/mo UAE Nationals, AED 200/mo expats) on grocery, fuel & dining · 5% fuel cashback (included in AED 200-300 monthly cap) | 5%dining |
| 6. First Abu Dhabi Bank FAB Cashback Annual fee: AED 315 · Min. salary: AED 5,000 Small print: No cashback unless you spent AED 3,000 the month before. The 5% categories are capped at AED 150 each a month, AED 1,000 in total, paid as FAB Rewards (FAB). | 5%dining |
| 7. Dubai First Cashback Card Annual fee: AED 418.95 · Min. salary: AED 5,000 Small print: 5% categories capped at AED 150 each a month. Other spend, including abroad, earns 0.5% (Dubai First). | 5%dining |
| 8. Abu Dhabi Islamic Bank ADIB Cashback Platinum Annual fee: AED 99 · Min. salary: AED 5,000 Small print: 4% only on grocery, fuel, education, dining and utilities. Monthly caps: AED 300 each for grocery, fuel and education, AED 200 dining, AED 100 utilities, AED 1,000 in total (ADIB). | 4%dining |
| 9. First Abu Dhabi Bank FAB Z Card Annual fee: AED 105 · Min. salary: AED 5,000 | 3%dining |
| 10. Dubai Islamic Bank Consumer Cashback Annual fee: AED 249 · Min. salary: AED 5,000 Small print: 3% dining — AED 1,000 monthly cap across ALL categories combined · No cashback unless you spend AED 4,000 in the statement cycle. Monthly caps: supermarkets and school fees AED 300 each, car servicing AED 400, fuel, telecom and utility bills AED 150 each, Salik and Nol AED 50 (DIB). | 3%dining |
| 11. Emirates Islamic Cashback Plus Annual fee: AED 299 · Min. salary: AED 5,000 Small print: 3% cashback on dining when total monthly spend is AED 3,000–9,999, 5% from AED 10,000, 10% from AED 17,500, nothing under AED 3,000. Capped at AED 200 a month. · The rate depends on your total monthly spend: 0% under AED 3,000, 3% up to AED 9,999, 5% up to AED 17,499, 10% from AED 17,500. This covers supermarkets, education, dining and telecom, each capped at AED 200 a month (Emirates Islamic). | 3%dining |
| 12. Commercial Bank of Dubai CBD ONE Card Annual fee: No fee · Min. salary: AED 5,000 Small print: Cashback at selected merchants only if you meet CBD's AED 5,000 spend criteria. Capped at AED 135 a month (CBD). | 2%cinema |
| 13. Liv Tamayaz Platinum Annual fee: No fee · Min. salary: AED 5,000 | 2%dining |
| 14. ADCB Talabat ADCB Credit Card Annual fee: No fee · Min. salary: AED 5,000 Small print: 10% back in Talabat Credits on Talabat orders (Talabat only) · 35% back on talabat needs AED 2,500 spend in the month; otherwise 1.25%. It applies to the first 10 orders a month, up to AED 35 each (AED 350 a month), paid as talabat credit (ADCB). | 1.25%dining |
| 15. ADCB Essential Cashback Credit Card Annual fee: No fee · Min. salary: AED 5,000 Small print: 1% cashback, 1.25% on all eligible spend in a month you spend AED 5,000 or more · No cashback in a month you spend under AED 1,000. 1% cashback, 1.25% from AED 5,000 a month; 0.75% on supermarkets, fuel, utilities, government, telecom, Salik, transport, education and insurance. Capped at AED 1,000 a month (ADCB). | 1%dining |
| 16. Mashreq noon Credit Card Annual fee: No fee · Min. salary: AED 5,000 Small print: 1% general dining; noon app boosted | 1%dining |
| 17. Emirates NBD noon One Visa Credit Card Annual fee: No fee · Min. salary: AED 5,000 Small print: up to 5% noon Credits at noon Food / noon Minutes (noon only) · noon credits capped at AED 2,000 a month. Other spend earns up to 1% (Emirates NBD). | 1%dining |
| 18. Citibank Citi Simplicity Annual fee: No fee · Min. salary: AED 5,000 | No category rate stated |
Points cards 13
| Card | Best rate |
|---|---|
| 1. Emirates NBD LuLu 247 Platinum Mastercard Annual fee: AED 262.5 · Min. salary: AED 5,000 · earns LuLu Points | 4%fuel |
| 2. Emirates NBD LuLu 247 Titanium Mastercard Annual fee: No fee · Min. salary: AED 5,000 · earns LuLu Points | 2%fuel |
| 3. Emirates NBD Visa Flexi Credit Card Annual fee: AED 735 · Min. salary: AED 5,000 · earns ENBD Plus Points Small print: Plus Points are capped each statement. Emirates NBD doesn't publish the limit. | 1.5%dining |
| 4. ADCB LuLu Platinum Annual fee: No fee · Min. salary: AED 5,000 · earns LuLu Points | 1.25 pts (≈1.25%)dining |
| 5. ADCB LuLu Titanium Annual fee: No fee · Min. salary: AED 5,000 · earns LuLu Points | 1 pts (≈1%)dining |
| 6. Emirates NBD U By Emaar Family Visa Card Annual fee: No fee · Min. salary: AED 5,000 · earns U By Emaar Points | 1%dining |
| 7. Emirates NBD Titanium Credit Card Annual fee: AED 420 · Min. salary: AED 5,000 · earns ENBD Plus Points Small print: Plus Points are capped each statement. Emirates NBD doesn't publish the limit. | 1%dining |
| 8. Emirates NBD Darna Select Annual fee: No fee · Min. salary: AED 5,000 · earns ENBD Plus Points | 0.75%dining |
| 9. First Abu Dhabi Bank FAB Rewards Active Credit Card Annual fee: AED 315 · Min. salary: AED 5,000 · earns FAB Rewards Points | 2 pts (≈0.59%)dining |
| 10. ADCB TouchPoints Platinum Annual fee: AED 630 · Min. salary: AED 5,000 · earns ADCB TouchPoints Small print: 20% off Talabat (1 order/mo) | 1 pts (≈0.5%)dining |
| 11. Dubai Islamic Bank Prime Classic Card Annual fee: No fee · Min. salary: AED 5,000 · earns Wala'a Rewards | 0.5 pts (≈0.25%)dining |
| 12. Commercial Bank International CBI Visa Platinum Credit Card Annual fee: AED 150 · Min. salary: AED 5,000 · earns CBI Reward Points Small print: 100% cinema cashback, tiered by monthly spend: AED1,000+=AED35 max, AED2,500+=AED70 max, AED6,000+=AED140 max | 5 ptscinema |
| 13. Ruya Community Islamic Bank Ruya Max Annual fee: AED 480 · Min. salary: No minimum listed · earns Ruya Reward Points | 2 ptsdining |
Miles cards 1
| Card | Best rate |
|---|---|
| 1. RAKBANK Air Arabia Annual fee: AED 400 · Min. salary: AED 5,000 · earns Air Arabia Airmiles | 0.25 milesdining |
Each card is placed by its highest published category rate, shown on the right with the category it applies to. That rate usually covers one kind of spending, so open the card page to see every rate. Points and miles are shown as each bank states them and are never converted into cashback.
The same cards, with card images, are on best credit cards for a lower salary, and the card picker can filter by your salary and rank cards on your own spending.
Picking one
- Rule out any card whose minimum salary is above what you earn.
- Choose a reward type: cashback, points or miles.
- Look for high rates in your two biggest spending categories, and read the small print under each card.
- If a card has an annual fee, check it pays for itself: are annual fees worth it?
Frequently asked questions
Can I get a credit card with a salary of AED 5,000 in the UAE?
Yes. 32 of the 114 cards we track, from 15 banks, ask for a monthly salary of AED 5,000 or less. Meeting the minimum doesn’t guarantee approval: the bank also looks at your credit history and other debts.
Which card for a AED 5,000 salary pays the most cashback?
By its best category, the Emirates Islamic RTA Credit Card: 10% on fuel (annual fee: No fee). Its small print: “No cashback unless AED 1,000 is posted to the statement for the month. 10% on fuel and RTA is capped at AED 75 each a month (Emirates Islamic)”.
Are there free cards for a AED 5,000 salary?
Yes, 16 cards on this list have no annual fee. See also the full no-annual-fee list.
What is the lowest salary a UAE credit card asks for?
Among cards that state a minimum, the lowest is AED 3,000 a month (Emirates Islamic RTA Credit Card). Ruya Community Islamic Bank Ruya Max lists no minimum salary.
Do I need to transfer my salary to the bank?
Some banks ask for it on some cards, and it can change the minimum salary they accept. We don’t record this for every card yet, so check the bank’s eligibility page before you apply.
Keep going
- Best credit cards for a lower salary
- Card Match: tell us how you spend and see which card pays you most
- The CardMax app: the best of your own cards at every shop
- No annual fee credit cards: the full list
- How to choose a credit card in the UAE
Figures come from the CardMax catalogue of 114 UAE credit cards, taken from each bank’s published terms and checked up to 25 Oct 2026. They update automatically whenever the catalogue changes. Terms change often, so confirm on the bank’s site before you apply. How we rank.