Which cards list a minimum salary at or below yours?
The Central Bank sets an income floor of AED 60,000 a year for a credit card. Each bank then sets its own minimum for each card.
What is the Central Bank’s rule?
Regulation 29/2011 says banks provide credit cards to people with an annual income of AED 60,000 or more, which is AED 5,000 a month, or against a pledged deposit of at least AED 60,000. Your total repayments on all loans and cards must stay within 50% of your gross salary and regular income.
Meeting a published minimum does not mean a bank will approve you. Banks also check your credit report and debts. Read who can get a credit card in the UAE.
| Bank | Card | Minimum monthly salary | Where it is published |
|---|---|---|---|
| ADCB | Essential Cashback Credit Card | AED 5,000 | Essential Cashback Credit Card |
| ADIB | ADIB Smiles Visa Classic Card | AED 5,000 | ADIB Smiles Visa Classic Card |
| Commercial Bank of Dubai | Super Saver Credit Card | AED 5,000 | CBD Super Saver Credit Card |
| Dubai Islamic Bank | Consumer Cashback Reward Card | AED 5,000 | Consumer Cashback Reward Card |
| Emirates NBD | Mastercard Platinum Credit Card | AED 12,000 | Mastercard Platinum Credit Card |
| First Abu Dhabi Bank | Etihad Guest credit cards (lowest listed) | AED 8,000 | Credit cards |
| First Abu Dhabi Bank | FAB Cashback Credit Card | AED 5,000 | FAB Cashback Credit Card |
| RAKBANK | Elevate Credit Card | AED 35,000 | Credit cards |
| RAKBANK | RED Credit Card | AED 5,000 | RED Credit Card |
| Standard Chartered | Credit cards (lowest listed) | AED 8,000 | Credit cards |
Sources
- Regulation No. 29/2011 Regarding Bank Loans and Other Services Offered to Individual Customers, Article (5) Credit CardsCentral Bank of the UAE. Circular 29/2011, effective 23 March 2011, shown as in force. Read 12 November 2026.
- Essential Cashback Credit CardAbu Dhabi Commercial Bank. Read 12 November 2026.
- ADIB Smiles Visa Classic CardAbu Dhabi Islamic Bank. Read 12 November 2026.
- CBD Super Saver Credit CardCommercial Bank of Dubai. Read 12 November 2026.
- Consumer Cashback Reward CardDubai Islamic Bank. Read 12 November 2026.
- Mastercard Platinum Credit CardEmirates NBD. Read 12 November 2026.
- Credit cardsFirst Abu Dhabi Bank. Read 12 November 2026.
- FAB Cashback Credit CardFirst Abu Dhabi Bank. Read 12 November 2026.
- Credit cardsRAKBANK. Read 12 November 2026.
- RED Credit CardRAKBANK. Read 12 November 2026.
- Credit cardsStandard Chartered. Read 12 November 2026.