Best Credit Cards in the UAE for AED 10,000 Salary
At AED 10,000 monthly salary, UAE residents can access a wider set of cashback cards covering dining, groceries, online shopping, and international spend, along with entry-level travel reward options.
See cardsLast updated: - Updated monthly using latest public card terms and salary requirements.
Structured cashback tiers and monthly earn caps mean the best card depends on your primary spending category. All cards from lower salary tiers remain accessible here.
SHARJAH ISLAMIC BANK
SIB Cashback Credit Card
≈ AED 10,816 potential value / year · incl. perks
3.8/5
10% Cashback on online and digital wallet spends
2% Cashback on international spends
1% Cashback on domestic retail spends
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB 365 Cashback Credit Card
≈ AED 12,132 potential value / year · incl. perks
6% cashback on dining (including online food orders)
5% cashback on fuel and Salik
3% cashback on groceries and supermarkets
FIRST ABU DHABI BANK (FAB)
FAB Etihad Guest Platinum Credit Card
≈ AED 10,342 potential value / year · incl. perks
Welcome Bonus: 10,000 Miles
Earn 4 Etihad Miles per AED 10 spent.
2 free airport transfers/year
Best Credit Cards in the UAE for AED 10,000 Salary compared
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 199 (waivable) | AED 8,000 | 10% online and digital wallet cashback, 2% international, from AED 8,000 |
| AED 383.25 | AED 8,000 | 6% on dining, 5% on fuel and Salik, 3% on groceries, from AED 8,000 |
 | Free | AED 5,000 | Up to 2% cashback on all spends, free for life, instant redemption as cashback or miles |
 | Free | AED 5,000 | 6% cashback at Union Coop, 2% on domestic dining and fuel, free for life |
 | Free | AED 8,000 | FAB Blue lifestyle and travel benefits, dining perks, from AED 8,000 |
| AED 525 | AED 8,000 | Etihad Guest Miles on all spend, airline benefits, from AED 8,000 |
 | AED 525 | AED 10,000 | 6% at Carrefour and Al Futtaim malls, AED 500 annual fee, welcome 5,000 SHARE points, from AED 10,000 |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 199 (waivable) | AED 8,000 | 10% online and digital wallet cashback, 2% international, from AED 8,000 |
| AED 383.25 | AED 8,000 | 6% on dining, 5% on fuel and Salik, 3% on groceries, from AED 8,000 |
| Free | AED 5,000 | Up to 2% cashback on all spends, free for life, instant redemption as cashback or miles |
| Free | AED 5,000 | 6% cashback at Union Coop, 2% on domestic dining and fuel, free for life |
| Free | AED 8,000 | FAB Blue lifestyle and travel benefits, dining perks, from AED 8,000 |
| AED 525 | AED 8,000 | Etihad Guest Miles on all spend, airline benefits, from AED 8,000 |
| AED 525 | AED 10,000 | 6% at Carrefour and Al Futtaim malls, AED 500 annual fee, welcome 5,000 SHARE points, from AED 10,000 |
SIB Cashback Credit Card
Annual feeAED 199 (waivable)
Min. salaryAED 8,000
Highlight10% online and digital wallet cashback, 2% international, from AED 8,000
ADCB 365 Cashback Credit Card
Annual feeAED 383.25
Min. salaryAED 8,000
Highlight6% on dining, 5% on fuel and Salik, 3% on groceries, from AED 8,000
Liv Cashback Credit Card
Annual feeFree
Min. salaryAED 5,000
HighlightUp to 2% cashback on all spends, free for life, instant redemption as cashback or miles
Tamayaz Platinum Credit Card
Annual feeFree
Min. salaryAED 5,000
Highlight6% cashback at Union Coop, 2% on domestic dining and fuel, free for life
FAB Blue Platinum Credit Card
Annual feeFree
Min. salaryAED 8,000
HighlightFAB Blue lifestyle and travel benefits, dining perks, from AED 8,000
FAB Etihad Guest Platinum Credit Card
Annual feeAED 525
Min. salaryAED 8,000
HighlightEtihad Guest Miles on all spend, airline benefits, from AED 8,000
FAB SHARE Signature Credit Card
Annual feeAED 525
Min. salaryAED 10,000
Highlight6% at Carrefour and Al Futtaim malls, AED 500 annual fee, welcome 5,000 SHARE points, from AED 10,000
August Spotlight
Emirates NBD
Three Emirates NBD credit cards spanning everyday rewards to premium travel — the ENBD noon One Visa Card earns up to 20% back as noon Credits on noon Food with no annual fee, the ENBD Voyager World Credit Card earns 6 Voyager Miles per AED 1 on the Voyager Travel Portal with complimentary airport lounge access, and the premium ENBD Voyager World Elite doubles that to 12 Voyager Miles per AED 1 with added airport transfers and fast-track privileges.
4.1/5
EMIRATES NBD
ENBD noon One Visa Credit Card
- Salary: AED 5,000+
- No Annual Fee
- Welcome Bonus: AED 500 when you spend AED 5,000 in the first two months
- Get 20% back as noon credits when you spend on noon food
- Get 5% back as noon credits when you spend on noon
3.9/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles after AED 35,000 spend
- No Annual Fee
- 6 Voyager Miles on every AED spent on Voyager Travel Portal
- 3 Voyager Miles on every AED spent on other travel bookings
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles after AED 70,000 spend
- No Annual Fee for the first year
- 12 Voyager Miles on every AED spent on Voyager Travel Portal
- 6 Voyager Miles on every AED spent on other travel bookings
14 cards in the UAE
3.8/5
SHARJAH ISLAMIC BANK
SIB Cashback Credit Card
- Salary: AED 8,000+
- No Annual Fee for the First Year
- 10% Cashback on online and digital wallet spends
- 2% Cashback on international spends
- 1% Cashback on domestic retail spends
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB 365 Cashback Credit Card
- Salary: AED 8,000+
- Annual Fee: AED 383.25
- 6% cashback on dining (including online food orders)
- 5% cashback on fuel and Salik
- 3% cashback on groceries and supermarkets
FIRST ABU DHABI BANK (FAB)
FAB Blue Platinum Credit Card
- Salary: AED 8,000+
- No Annual Fee
- 5% Cashback on Al-Futtaim Brands
- 1% FAB Rewards Cashback
- 0% Interest Plans
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB TouchPoints Platinum Credit Card
- Salary: AED 8,000+
- No Annual Fee for the First Year
- 10,000 Touchpoints for spends of AED 10,000
- Vox Cinema Buy one Get one offer
- 20% off on talabat orders
FIRST ABU DHABI BANK (FAB)
FAB Etihad Guest Platinum Credit Card
- Salary: AED 8,000+
- Annual Fee: AED 525
- Welcome Bonus: 10,000 Miles
- Earn 4 Etihad Miles per AED 10 spent.
- 2 free airport transfers/year
FIRST ABU DHABI BANK (FAB)
FAB SHARE Signature Credit Card
- Salary: AED 10,000+
- Annual Fee: AED 525
- 5,000 bonus SHARE points
- 6% at malls & Carrefour
- 2-for-1 VOX 3× monthly
WIO BANK
Wio Credit Card
- Salary: AED 5,000+
- No Annual Fee with Wio Plan
- 2% Cashback on all spends
- 0.5% Cashback on Other Credit Card Bills
- Total Cashback up to AED 2,500/month
3.4/5
MASHREQ BANK
Mashreq Cashback Credit Card
- Salary: AED 5,000+
- No Annual Fee
- AED 500 Welcome Bonus
- Unlimited 5% Cashback on dining.
- 1% Cashback on international spends (non-dining)
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback Credit Card
- Salary: AED 5,000+
- Free for life
- Up to 2% Cashback on all spends
- Cashback or Skywards Miles
- 2 Free Movie Tickets + 20% off on F&B at VOX Cinemas
LIV DIGITAL BANK BY EMIRATES NBD
Tamayaz Platinum Credit Card
- Salary: AED 5,000+
- Free for life
- 6% cashback at Union Coop
- 2% on domestic dining and fuel
- 1% on intl and domestic retail
FIRST ABU DHABI BANK (FAB)
FAB Cashback Credit Card
- Salary: AED 5,000+
- Annual Fee: AED 315
- 5% cashback on fashion, dining, groceries
- 3% cashback on international spends
- 1% cashback on other retail spends
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Essential Cashback Credit Card
- Salary: AED 5,000+
- No Annual Fee
- Welcome Bonus: AED 350
- Up to 1.25% cashback on all spends
- 0.75% on select categories
RAKBANK
RAKBANK Titanium Credit Card
- Salary: AED 8,000+
- No Annual Fee
- Joining Bonus: AED 500
- 5% Cashback on Supermarkets, Dining
- 2% Standard Cashback
CITIBANK
Citi Cashback Credit Card
- Salary: AED 8,000+
- No Annual Fee for the first year
- 3% Cashback on non-AED spends
- 2% Cashback on grocery/supermarket spends
- 1% Cashback on all other spend
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 5,000–10,000 |
| Employment | Salaried employees; some cards also accept self-employed |
| 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 5,000–10,000 |
| Employment | Salaried employees; some cards also accept self-employed |
| 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)
3.Salary certificate (less than 30 days old)
4.Bank statements — last 3 months
5.Passport copy
Expats & residents
1.Emirates ID
2.Valid passport with residence visa page
3.Salary certificate or employment letter
4.Bank statements — last 3 months
5.Proof of address (utility bill or tenancy contract)
The final list of required documents may differ based on the bank and card. Self-employed applicants may also need a trade licence and audited financial statements.
Frequently asked questions
Common questions about Best Credit Cards in the UAE for AED 10,000 Salary
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