Can I get a credit card with a AED 20,000 salary in the UAE?

Yes. 78 cards from the banks we cover publish a minimum monthly salary of AED 20,000 or less, including 34 with no annual fee. Banks also check your credit history and employer, so meeting the salary doesn't guarantee approval.

Which free credit cards accept a AED 20,000 salary?

ENBD Voyager World, ENBD Marriott Bonvoy World Mastercard, ENBD U By Emaar Family, ENBD Darna Visa Signature, ENBD Darna Select Visa, ENBD SHARE Visa Signature and 28 more.

What about cards that don't publish a minimum salary?

38 cards don't publish a minimum salary. They aren't included on this page; check with the bank before you apply.

Credit cards for AED 20,000 salary UAE: 78 options (October 2026)

Emirates NBD · Emirates Skywards

Skywards Signature Credit Card

Up to 1.5 Skywards Miles per USD on international (non-EU) spend

Annual fee: AED 735
Min. salary: AED 12,000
Bonus needs: AED 36.7k in 90 days
Top rate needs: No minimum

Welcome bonus15,000 Skywards Miles (pay the joining fee); 15,000 Skywards Miles when you spend AED 36,725 within 90 days; 10,000 Skywards Miles when you spend AED 13,772 within 365 days.

Airport lounges
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Emirates NBD · Etihad Guest

Etihad Guest Visa Inspire Credit Card

7 Etihad Guest Miles per AED 10 on Etihad Airways

Annual fee: AED 735
Min. salary: AED 12,000
Bonus needs: AED 60k in 180 days
Top rate needs: No minimum

Welcome bonus20,000 Etihad Guest Miles (pay the joining fee); 40,000 Etihad Guest Miles when you spend AED 60,000 within 180 days.

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Free for life

Emirates NBD · Flexible travel points

Voyager World Credit Card

6% back in Voyager Miles on the Voyager Travel Portal

Annual fee: Free for life
Min. salary: AED 12,000
Bonus needs: AED 35k in 90 days
Top rate needs: No minimum

Welcome bonus75,000 Voyager Miles (worth AED 750) when you spend AED 35,000 within 90 days.

Airport lounges
Airport transfers

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Emirates NBD Marriott Bonvoy World Mastercard

Free for life

Emirates NBD · Hotel points

Marriott Bonvoy World Mastercard

3 Bonvoy points per USD at Marriott hotels

Annual fee: Free for life
Min. salary: AED 12,000
Bonus needs: AED 22k in 90 days
Top rate needs: No minimum

Welcome bonus2 Free Night Awards (35,000 points each) when you spend AED 22,035 within 90 days.

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Emirates NBD

dnata World Credit Card

15% back in dnata points at dnata Travel, Costa Coffee and City Sightseeing

Annual fee: AED 1,048.95
Min. salary: AED 20,000
Bonus needs: AED 25k in 90 days
Top rate needs: No minimum

Welcome bonus1,000 dnata points (pay the joining fee); 1,500 dnata points when you spend AED 25,000 within 90 days.

Airport lounges
Golf
Valet parking

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Emirates NBD

dnata Platinum Credit Card

15% back in dnata points at Costa Coffee and City Sightseeing

Annual fee: AED 525
Min. salary: AED 5,000
Bonus needs: AED 10k in 90 days
Top rate needs: No minimum

Welcome bonus500 dnata points (pay the joining fee); 500 dnata points when you spend AED 10,000 within 90 days.

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Emirates NBD

U By Emaar Signature Credit Card

6.25% back as Upoints at Emaar malls, hotels and restaurants

Annual fee: AED 262.5
Min. salary: AED 12,000
Bonus needs: No bonus
Top rate needs: No minimum

No welcome bonus right now

Airport lounges
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Free for life

Emirates NBD

U By Emaar Family Credit Card

5% back as Upoints at Emaar malls, hotels and restaurants

Annual fee: Free for life
Min. salary: AED 5,000
Bonus needs: No bonus
Top rate needs: No minimum

No welcome bonus right now

Cinema offers

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Free for life

Emirates NBD

Darna Visa Signature Credit Card

7.5% back as Darna Points at Aldar destinations

Annual fee: Free for life
Min. salary: AED 12,000
Bonus needs: AED 15k in 90 days
Top rate needs: No minimum

Welcome bonus3,000 Darna Points (AED 300) when you spend AED 15,000 within 90 days.

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Free for life

Emirates NBD

Darna Select Visa Credit Card

6.25% back as Darna Points at Aldar destinations

Annual fee: Free for life
Min. salary: AED 5,000
Bonus needs: No bonus
Top rate needs: No minimum

No welcome bonus right now

Cinema offers

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Free for life

Emirates NBD

SHARE Visa Signature Credit Card

6% back as SHARE Points at Majid Al Futtaim (malls, Carrefour, VOX)

Annual fee: Free for life
Min. salary: AED 12,000
Bonus needs: AED 25k in 90 days
Top rate needs: No minimum

Welcome bonus5,000 SHARE Points (AED 500) when you spend AED 25,000 within 90 days.

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Free for life

Emirates NBD

SHARE Visa Platinum Credit Card

4% back as SHARE Points at Majid Al Futtaim (malls, Carrefour, VOX)

Annual fee: Free for life
Min. salary: AED 5,000
Bonus needs: No bonus
Top rate needs: No minimum

No welcome bonus right now

Cinema offers

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Emirates NBD

LuLu 247 Platinum Credit Card

7% back as LuLu Points at LuLu in-store and online

Annual fee: AED 262.5
Min. salary: AED 12,000
Bonus needs: AED 8k in 60 days
Top rate needs: No minimum

Welcome bonus250 LuLu Points (pay the joining fee and make a first purchase); 250 LuLu Points when you spend AED 8,000 within 60 days.

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Free for life

Emirates NBD

LuLu 247 Titanium Credit Card

Up to 3.5% back as LuLu Points at LuLu

Annual fee: Free for life
Min. salary: AED 5,000
Bonus needs: No spend needed
Top rate needs: No minimum

Welcome bonus0% balance transfer, no processing fee (transfer a balance from another bank).

0% balance transfer

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Free for life

Emirates NBD

noon One Visa Credit Card

Up to 20% back as noon credits across noon, noon Food and NowNow

Annual fee: Free for life
Min. salary: AED 5,000
Bonus needs: AED 5k in 60 days
Top rate needs: No minimum

Welcome bonusAED 500 when you spend AED 5,000 within 60 days; 1-year noon One membership (included).

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Free for life

Emirates NBD

Duo Credit Card

5% Plus Points on groceries, electronics, utilities, education and fuel

Annual fee: Free for life
Min. salary: AED 12,000
Bonus needs: No bonus
Top rate needs: AED 5k/mo

No welcome bonus right now

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Golf
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Free for life

Emirates NBD

Visa Flexi Credit Card

1.5 Plus Points per AED 100 on retail spend

Annual fee: Free for life
Min. salary: AED 12,000
Bonus needs: No bonus
Top rate needs: No minimum

No welcome bonus right now

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Golf
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Free for life

Emirates NBD

Visa Platinum Credit Card

1.5 Plus Points per AED 100

Annual fee: Free for life
Min. salary: AED 12,000
Bonus needs: No bonus
Top rate needs: No minimum

No welcome bonus right now

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Free for life

Emirates NBD

Mastercard Platinum Credit Card

Up to 1.5 Plus Points per AED 100

Annual fee: Free for life
Min. salary: AED 12,000
Bonus needs: No bonus
Top rate needs: No minimum

No welcome bonus right now

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Golf

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Free for life

Emirates NBD

Mastercard Titanium Credit Card

Up to 1 Plus Point per AED 100

Annual fee: Free for life
Min. salary: AED 5,000
Bonus needs: No bonus
Top rate needs: No minimum

No welcome bonus right now

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Emirates NBD

Diners Club Credit Card

5% Plus Points on duty free

Annual fee: AED 420
Min. salary: AED 12,000
Bonus needs: No bonus
Top rate needs: No minimum

No welcome bonus right now

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Free for life

Emirates NBD

Go4it Platinum Credit Card

5 Plus Points per AED 200 at weekends

Annual fee: Free for life
Min. salary: AED 12,000
Bonus needs: No bonus
Top rate needs: No minimum

No welcome bonus right now

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Free for life

Emirates NBD

Go4it Gold Credit Card

5 Plus Points per AED 400 at weekends

Annual fee: Free for life
Min. salary: AED 5,000
Bonus needs: No bonus
Top rate needs: No minimum

No welcome bonus right now

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Emirates NBD

Webshopper Credit Card

1 Plus Point per AED 200

Annual fee: AED 52.5
Min. salary: AED 5,000
Bonus needs: No bonus
Top rate needs: No minimum

No welcome bonus right now

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First Abu Dhabi Bank · Etihad Guest

Etihad Guest Signature Credit Card

5.5 Etihad Guest Miles per AED 10 with Etihad and partners

Annual fee: AED 1,575
Min. salary: AED 15,000
Bonus needs: AED 60k in 90 days
Top rate needs: No minimum

Welcome bonus70,000 Etihad Guest Miles (activate the card (new cards, double-miles offer)); 70,000 bonus Etihad Guest Miles when you spend AED 60,000 within 90 days.

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First Abu Dhabi Bank · Etihad Guest

Etihad Guest Platinum Credit Card

4 Etihad Guest Miles per AED 10 with Etihad and partners

Annual fee: AED 525
Min. salary: AED 8,000
Bonus needs: AED 25k in 90 days
Top rate needs: No minimum

Welcome bonus20,000 Etihad Guest Miles (activate the card (new cards, double-miles offer)); 20,000 bonus Etihad Guest Miles when you spend AED 25,000 within 90 days.

Cinema offers
Golf

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Islamic

First Abu Dhabi Bank · Etihad Guest

Etihad Guest Signature Islamic Credit Card

5.5 Etihad Guest Miles per AED 10 with Etihad and partners

Annual fee: AED 1,575
Min. salary: AED 15,000
Bonus needs: AED 60k in 90 days
Top rate needs: No minimum

Welcome bonus70,000 Etihad Guest Miles (activate the card (new cards, double-miles offer)); 70,000 bonus Etihad Guest Miles when you spend AED 60,000 within 90 days.

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Islamic

First Abu Dhabi Bank · Etihad Guest

Etihad Guest Platinum Islamic Credit Card

4 Etihad Guest Miles per AED 10 with Etihad and partners

Annual fee: AED 525
Min. salary: AED 8,000
Bonus needs: AED 25k in 90 days
Top rate needs: No minimum

Welcome bonus20,000 Etihad Guest Miles (activate the card (new cards, double-miles offer)); 20,000 bonus Etihad Guest Miles when you spend AED 25,000 within 90 days.

Golf

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First Abu Dhabi Bank

FAB Travel Credit Card

12% back in FAB Rewards on flights and hotels (max AED 1,800 a month)

Annual fee: AED 1,575
Min. salary: AED 20,000
Bonus needs: No spend needed
Top rate needs: AED 5k/mo

Welcome bonusFree return flight to 15+ destinations (pay the first annual fee).

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Concierge

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First Abu Dhabi Bank

FAB Cashback Credit Card

5% on fashion, dining and groceries

Annual fee: AED 315
Min. salary: AED 5,000
Bonus needs: No bonus
Top rate needs: AED 3k/mo

No welcome bonus right now

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Islamic

First Abu Dhabi Bank

FAB Cashback Islamic Credit Card

5% on groceries, fuel and dining (max AED 300 a month for UAE nationals, AED 200 for expats)

Annual fee: AED 315
Min. salary: AED 5,000
Bonus needs: No bonus
Top rate needs: No minimum

No welcome bonus right now

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First Abu Dhabi Bank

FAB GEMS World Credit Card

Save up to 3% on GEMS school fees

Annual fee: AED 418.95
Min. salary: AED 8,000
Bonus needs: No bonus
Top rate needs: No minimum

No welcome bonus right now

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First Abu Dhabi Bank

FAB ADNOC Rewards Credit Card

15% back at ADNOC stations including fuel (max AED 150 a month)

Annual fee: AED 315
Min. salary: AED 5,000
Bonus needs: No spend needed
Top rate needs: AED 3k/mo

Welcome bonus300,000 ADNOC points (AED 300) (sign up and pay the annual fee).

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Free for life

First Abu Dhabi Bank

du Credit Card

15% back in FAB Rewards on du bills, devices and plans

Annual fee: Free for life
Min. salary: AED 5,000
Bonus needs: No bonus
Top rate needs: AED 2.5k/mo

No welcome bonus right now

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Free for life

First Abu Dhabi Bank

FAB Rewards Indulge Card

5 FAB Rewards per AED online

Annual fee: Free for life
Min. salary: AED 5,000
Bonus needs: No bonus
Top rate needs: No minimum

No welcome bonus right now

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First Abu Dhabi Bank

FAB Rewards Active Credit Card

5 FAB Rewards per AED on sports, golf, gyms and sports apparel

Annual fee: AED 315
Min. salary: AED 5,000
Bonus needs: No bonus
Top rate needs: No minimum

No welcome bonus right now

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First Abu Dhabi Bank

FAB Z Card

20% off Netflix, PlayStation, Xbox, YouTube, Spotify and Shahid

Annual fee: Free year 1
Min. salary: AED 5,000
Bonus needs: No bonus
Top rate needs: No minimum

No welcome bonus right now

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First Abu Dhabi Bank

FAB SHARE Signature Credit Card

6% back in SHARE points at Mall of the Emirates, City Centres, Carrefour and VOX

Annual fee: AED 525
Min. salary: AED 10,000
Bonus needs: No spend needed
Top rate needs: No minimum

Welcome bonus5,000 SHARE points (AED 500) (activate the card).

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Free for life

First Abu Dhabi Bank

FAB SHARE Platinum Credit Card

4% back in SHARE points at Mall of the Emirates, City Centres, Carrefour and VOX

Annual fee: Free for life
Min. salary: AED 5,000
Bonus needs: No bonus
Top rate needs: No minimum

No welcome bonus right now

Cinema offers

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Free for life

First Abu Dhabi Bank

Blue FAB Signature Credit Card

7% back at Al-Futtaim retail brands (IKEA, M&S, ACE, Toys R Us)

Annual fee: Free for life
Min. salary: AED 15,000
Bonus needs: No bonus
Top rate needs: No minimum

No welcome bonus right now

Airport lounges
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0% balance transfer

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Free for life

First Abu Dhabi Bank

Blue FAB Platinum Credit Card

6% back at Al-Futtaim retail brands (IKEA, M&S, ACE, Toys R Us)

Annual fee: Free for life
Min. salary: AED 8,000
Bonus needs: No bonus
Top rate needs: No minimum

No welcome bonus right now

Cinema offers
0% balance transfer

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Islamic

First Abu Dhabi Bank

Blue FAB Islamic Credit Card

10% back at Al-Futtaim retail brands

Annual fee: AED 315 from yr 2
Min. salary: AED 15,000
Bonus needs: AED 36k in 90 days
Top rate needs: No minimum

Welcome bonusUp to AED 5,000 in Al-Futtaim FAB Rewards (UAE nationals only) when you spend AED 36,000 within 90 days.

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ADCB

365 Cashback Credit Card

6% on dining, including online orders

Annual fee: AED 383.25 from yr 2
Min. salary: AED 5,000
Bonus needs: AED 5k in 45 days
Top rate needs: AED 5k/mo

Welcome bonusAED 365 cashback when you spend AED 5,000 within 45 days.

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Islamic

ADCB

Islamic 365 Cashback Covered Card

6% on dining, including online orders

Annual fee: AED 383.25 from yr 2
Min. salary: AED 5,000
Bonus needs: AED 5k in 45 days
Top rate needs: AED 5k/mo

Welcome bonusAED 365 cashback when you spend AED 5,000 within 45 days.

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ADCB

Traveller Credit Card

10% cashback on airline tickets (any airline)

Annual fee: AED 1,575
Min. salary: AED 20,000
Bonus needs: AED 15k in 60 days
Top rate needs: AED 5k/mo

Welcome bonusAED 2,000 Expedia hotel voucher when you spend AED 15,000 within 60 days.

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Free for life

ADCB

talabat ADCB Credit Card

35% back on your first 10 talabat orders a month (up to AED 35 an order)

Annual fee: Free for life
Min. salary: AED 5,000
Bonus needs: AED 5k in 45 days
Top rate needs: No minimum

Welcome bonusAED 750 talabat credit (AED 200 if you already have an ADCB card) when you spend AED 5,000 within 45 days.

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IslamicFree for life

ADCB

talabat ADCB Islamic Card

35% back on your first 10 talabat orders a month (up to AED 35 an order)

Annual fee: Free for life
Min. salary: AED 5,000
Bonus needs: AED 5k in 45 days
Top rate needs: No minimum

Welcome bonusAED 750 talabat credit (AED 200 if you already have an ADCB card) when you spend AED 5,000 within 45 days.

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ADCB

Shukran ADCB Credit Card

10% back as Shukrans at Centrepoint, Babyshop, Home Centre, Max, Emax and other Shukran brands

Annual fee: AED 262.5 from yr 2
Min. salary: AED 5,000
Bonus needs: AED 8k in 60 days
Top rate needs: No minimum

Welcome bonusAED 1,000 in Shukrans (AED 1,200 for UAE nationals, AED 200 if you already have an ADCB card) when you spend AED 8,000 within 60 days.

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Islamic

ADCB

Shukran ADCB Islamic Card

10% back as Shukrans at Centrepoint, Babyshop, Home Centre, Max, Emax and other Shukran brands

Annual fee: AED 262.5 from yr 2
Min. salary: AED 5,000
Bonus needs: AED 8k in 60 days
Top rate needs: No minimum

Welcome bonusAED 1,000 in Shukrans (AED 1,200 for UAE nationals, AED 200 if you already have an ADCB card) when you spend AED 8,000 within 60 days.

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Free for life

ADCB

ADCB LuLu Platinum Credit Card

8% back as LuLu Points at LuLu, no minimum spend

Annual fee: Free for life
Min. salary: AED 8,000
Bonus needs: No bonus
Top rate needs: No minimum

No welcome bonus right now

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Free for life

ADCB

ADCB LuLu Titanium Credit Card

3.5% back as LuLu Points at LuLu

Annual fee: Free for life
Min. salary: AED 5,000
Bonus needs: No bonus
Top rate needs: No minimum

No welcome bonus right now

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ADCB

TouchPoints Platinum Credit Card

Up to 1 TouchPoint per AED

Annual fee: AED 630 from yr 2
Min. salary: AED 5,000
Bonus needs: No bonus
Top rate needs: No minimum

No welcome bonus right now

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Islamic

ADCB

Islamic TouchPoints Platinum Card

Up to 1 TouchPoint per AED

Annual fee: AED 630 from yr 2
Min. salary: AED 5,000
Bonus needs: No bonus
Top rate needs: No minimum

No welcome bonus right now

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Free for life

ADCB

TouchPoints Titanium & Gold Credit Card

Up to 0.5 TouchPoints per AED

Annual fee: Free for life
Min. salary: AED 5,000
Bonus needs: No bonus
Top rate needs: No minimum

No welcome bonus right now

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IslamicFree for life

ADCB

Islamic TouchPoints Gold Card

Up to 0.5 TouchPoints per AED

Annual fee: Free for life
Min. salary: AED 5,000
Bonus needs: No bonus
Top rate needs: No minimum

No welcome bonus right now

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Free for life

ADCB

Essential Cashback Credit Card

1.25% cashback in months you spend AED 5,000+

Annual fee: Free for life
Min. salary: AED 5,000
Bonus needs: No spend needed
Top rate needs: AED 1k/mo

Welcome bonusUp to AED 250 (Apply through select ADCB digital channels (see bank terms)).

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Free for life

Mashreq

Mashreq Cashback Credit Card

5% on dining in the UAE and abroad

Annual fee: Free for life
Min. salary: AED 5,000
Bonus needs: AED 5k in 60 days
Top rate needs: No minimum

Welcome bonusAED 500 (AED 100 if you already have a Mashreq card) when you spend AED 5,000 within 60 days.

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Mashreq

Mashreq Platinum Plus Credit Card

10 Vantage points per AED on supermarkets, fuel and dining

Annual fee: AED 313.95
Min. salary: AED 5,000
Bonus needs: AED 5k in 60 days
Top rate needs: No minimum

Welcome bonusAED 750 (AED 200 if you already have a Mashreq card) when you spend AED 5,000 within 60 days.

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HSBC UAE · Emirates Skywards

HSBC Emirates Skywards Signature Credit Card

1.75 Skywards Miles per USD on Emirates and flydubai

Annual fee: AED 1,050
Min. salary: AED 10,000
Bonus needs: AED 20k in 60 days
Top rate needs: No minimum

Welcome bonus25,000 Skywards Miles (pay the annual fee); 15,000 Skywards Miles + fast track to Silver when you spend AED 20,000 within 60 days.

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HSBC UAE

HSBC Live+ Credit Card

6% on dining (max AED 200 a statement)

Annual fee: AED 313.95 from yr 2
Min. salary: AED 5,000
Bonus needs: No spend needed
Top rate needs: AED 3k/mo

Welcome bonusUp to AED 600 cashback (get the card (new HSBC credit card customers only)); AED 100 cashback (first use in a mobile wallet); AED 100 cashback (get a supplementary card and use it).

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Citibank UAE

Citi Premier Credit Card

3 ThankYou Points per USD on dining, fuel and groceries

Annual fee: AED 787.5
Min. salary: AED 15,000
Bonus needs: AED 10k in 60 days
Top rate needs: No minimum

Welcome bonusAED 750 statement credit when you spend AED 10,000 within 60 days.

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Citibank UAE

Citi Rewards Credit Card

1.5 ThankYou Points per USD on groceries and non-AED spend

Annual fee: AED 315 from yr 2
Min. salary: AED 8,000
Bonus needs: AED 6k in 60 days
Top rate needs: No minimum

Welcome bonusAED 300 statement credit when you spend AED 6,000 within 60 days.

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Citibank UAE

Citi Cash Back Credit Card

3% on non-AED spend

Annual fee: AED 315 from yr 2
Min. salary: AED 8,000
Bonus needs: AED 6k in 60 days
Top rate needs: No minimum

Welcome bonusAED 300 statement credit when you spend AED 6,000 within 60 days.

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Free for life

Citibank UAE

Citi Simplicity Credit Card

No fees of any kind

Annual fee: Free for life
Min. salary: AED 5,000
Bonus needs: No bonus
Top rate needs: No minimum

No welcome bonus right now

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Free for life

Citibank UAE

Citi Ready Credit Card

Credit limit up to 6x salary (max AED 175,000)

Annual fee: Free for life
Min. salary: AED 8,000
Bonus needs: No bonus
Top rate needs: No minimum

No welcome bonus right now

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Islamic

Dubai Islamic Bank · Emirates Skywards

Emirates Skywards DIB Infinite Covered Card

2 Skywards Miles per USD with Emirates

Annual fee: AED 2,500
Min. salary: AED 20,000
Bonus needs: AED 73.5k in 120 days
Top rate needs: No minimum

Welcome bonus25,000 Skywards Miles (activate the card); 25,000 Skywards Miles (balance transfer of AED 50,000+ kept for 6 months); 25,000 Skywards Miles when you spend AED 73,450 within 120 days.

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Dubai Islamic Bank · Emirates Skywards

Emirates Skywards DIB Signature Covered Card

1.5 Skywards Miles per USD with Emirates

Annual fee: AED 1,500
Min. salary: AED 15,000
Bonus needs: No spend needed
Top rate needs: No minimum

Welcome bonus15,000 Skywards Miles (activate the card); 15,000 Skywards Miles (balance transfer of AED 30,000+ kept for 6 months).

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Islamic

Dubai Islamic Bank · Emirates Skywards

Emirates Skywards DIB Platinum Covered Card

1 Skywards Mile per USD with Emirates

Annual fee: AED 500
Min. salary: AED 10,000
Bonus needs: No spend needed
Top rate needs: No minimum

Welcome bonus5,000 Skywards Miles (activate the card).

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Dubai Islamic Bank

Consumer Cashback Platinum Card

4% on supermarkets and school fees (max AED 300 a month each)

Annual fee: AED 261.45 from yr 2
Min. salary: AED 15,000
Bonus needs: No bonus
Top rate needs: AED 4k/mo

No welcome bonus right now

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Dubai Islamic Bank

Consumer Cashback Reward Card

Up to 3% on supermarkets, fuel, bills, Salik and Nol, and school fees

Annual fee: AED 210 from yr 2
Min. salary: AED 5,000
Bonus needs: No bonus
Top rate needs: AED 3k/mo

No welcome bonus right now

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Dubai Islamic Bank

Prime Infinite Card

3 Wala'a rewards per AED on local spend

Annual fee: See bank
Min. salary: AED 20,000
Bonus needs: No bonus
Top rate needs: No minimum

No welcome bonus right now

Airport lounges
Valet parking
Concierge

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Dubai Islamic Bank

Prime Signature Card

2.5 Wala'a rewards per AED on local spend

Annual fee: See bank
Min. salary: AED 15,000
Bonus needs: No bonus
Top rate needs: No minimum

No welcome bonus right now

Airport lounges
Valet parking

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Islamic

Dubai Islamic Bank

Prime Platinum Card

2 Wala'a rewards per AED on local spend

Annual fee: See bank
Min. salary: AED 5,000
Bonus needs: No bonus
Top rate needs: No minimum

No welcome bonus right now

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Islamic

Dubai Islamic Bank

Prime Gold Card

0.6 Wala'a rewards per AED on local spend

Annual fee: See bank
Min. salary: AED 5,000
Bonus needs: No bonus
Top rate needs: No minimum

No welcome bonus right now

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Abu Dhabi Islamic Bank

ADIB Smiles Visa Signature Card

Smiles points on spend, redeemable for flights, hotels and dining

Annual fee: AED 1,199
Min. salary: AED 20,000
Bonus needs: No spend needed
Top rate needs: No minimum

Welcome bonus70,000 Smiles points + 90 days of Smiles Unlimited (sign up).

Airport lounges
Valet parking

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IslamicFree for life

Abu Dhabi Islamic Bank

ADIB Smiles Visa Classic Card

Smiles points on spend

Annual fee: Free for life
Min. salary: AED 5,000
Bonus needs: No spend needed
Top rate needs: No minimum

Welcome bonus5,000 Smiles points (sign up).

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IslamicFree for life

Emirates Islamic

Emirates Islamic Amazon World Card

Up to 6% back on Amazon.ae (Prime)

Annual fee: Free for life
Min. salary: AED 15,000
Bonus needs: AED 10k in 60 days
Top rate needs: No minimum

Welcome bonusUp to AED 250 in Amazon points (Prime members) when you spend AED 10,000 within 60 days; Up to AED 250 more (Prime members) when you spend AED 2,500 within 60 days.

Airport lounges
Valet parking
Golf

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IslamicFree for life

Emirates Islamic

Emirates Islamic Amazon Platinum Card

Up to 6% back on Amazon.ae (Prime)

Annual fee: Free for life
Min. salary: AED 5,000
Bonus needs: AED 10k in 60 days
Top rate needs: No minimum

Welcome bonusUp to AED 250 in Amazon points (Prime members) when you spend AED 10,000 within 60 days; Up to AED 250 more (Prime members) when you spend AED 2,500 within 60 days.

Cinema offers

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Credit cards for a AED 20,000 salary in the UAE

All 78 cards

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