No. Every UAE-issued credit card requires an Al Etihad Credit Bureau (AECB) check before approval. This is mandated under Federal Law No. 6 of 2010. Any product claiming 'no credit check' is usually a prepaid card (not real credit) or a misrepresentation.
Best Credit Cards Without AECB Check in the UAE
Every UAE credit card requires an AECB check. What works instead: secured/prepaid cards, app-first entry cards, or rebuilding your AECB score first.
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LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback Credit Card
Up to 2% Cashback on all spends
Instant redemption as Cashback or Miles
2 Free Movie Tickets + 20% off on F&B at VOX Cinemas
Best Credit Cards Without AECB Check in the UAE compared
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| Free | AED 5,000 | Entry-tier card with lighter approval — AECB still checked but lower internal threshold |
 | Free | AED 5,000 | Free-for-life entry; AECB checked but accessible from mid-range scores |
 | Free |
June Spotlight
Liv by Emirates NBD
Liv by Emirates NBD offers fully digital credit cards designed for everyday spenders and lifestyle-focused users. The lineup covers cashback-led options and Tamayaz travel rewards, giving users flexibility across groceries, dining, travel, and online spending.
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback Credit Card
Why choose Credit Cards Without AECB Check in the UAE
1.
Every UAE credit card requires an AECB check
There is no UAE-issued credit card that skips the Al Etihad Credit Bureau check. Federal Law No. 6 of 2010 made AECB the central credit bureau, and every bank pulls your record before issuing credit. Any service advertising 'no AECB check credit cards' in the UAE is either misleading or not a true credit card.
2.
What works instead
If your AECB score is the blocker, your real options are: (1) entry-tier free cards with more accommodating thresholds (Liv, Mashreq Cashback, ADCB Essential), (2) secured cards backed by a fixed deposit (rare in UAE retail), (3) prepaid cards that look and work like credit cards but aren't, or (4) fix the AECB record first via the [AECB improvement guide](/blog/aecb-credit-score-uae-check-your-report-improve-it).
3.
Prepaid is not credit
Prepaid 'credit-style' cards (loaded with your own money) don't require AECB but also don't build AECB history, don't include credit-card travel insurance, and usually charge higher fees. They're a payment tool, not a path to genuine credit.
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LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback Credit Card
Salary: AED 5,000+
Eligibility criteria
General requirements for credit card applications in the UAE. Exact thresholds vary by bank and card tier.
| Minimum age | 21 years |
| Monthly salary | AED 5,000+ |
| Employment | Salaried employees or self-employed professionals |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | AECB credit score is checked; a clean record strengthens approval |
| Minimum age | 21 years |
| Monthly salary | AED 5,000+ |
| Employment | Salaried employees or self-employed professionals |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | AECB credit score is checked; a clean record strengthens approval |
Always confirm the latest eligibility details with the issuing bank before applying.
Documents you will need
Prepare these before you start an application. Some banks accept digital uploads; others require originals at a branch.
UAE nationals
1.Emirates ID
2.Khulasat Al Qaid (Family Book)
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