Start with annual fee and minimum salary, then compare reward rates, monthly caps, and exclusions. Use the card detail page for full terms before applying.
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Compare and explore airport lounge access credit cards in the UAE for AED 10,000+ salary requirements. Find the best rewards, cashback offers, and benefits. Apply online instantly with Kredit.
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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.

40 cards in the UAE
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 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 5,000–10,000 |
| 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.
Prepare these before you start an application. Some banks accept digital uploads; others require originals at a branch.
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Answer a few quick questions and we'll match the best UAE credit card to your monthly spending — personalised cashback, rewards and perks in under two minutes.
Free for life
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
LIV DIGITAL BANK BY EMIRATES NBD
Salary: AED 15,000+
Annual Fee: AED 735
Up to 4% Cashback on all spends
Instant redemption as Cashback or Miles
3 Free Movie Tickets + 20% off on F&B at VOX Cinemas
LIV DIGITAL BANK BY EMIRATES NBD
Salary: AED 5,000+
Free for life
6% cashback at Union Coop
2% on domestic dining and fuel
1% on intl and domestic retail
Monthly Fee: AED 100
Free Plan Available
No FX Fee
100% Cashback at selected brands
Lifestyle benefits with Violet
LIV DIGITAL BANK BY EMIRATES NBD
Salary: AED 5,000+
Free for life
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
LIV DIGITAL BANK BY EMIRATES NBD
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)
Salary: AED 5,000+
Annual Fee: AED 300
5% cashback on fashion, dining, groceries
3% cashback on international spends
1% cashback on other retail spends
RAKBANK
Salary: AED 5,000+
Annual Fee: AED 400
20,000 AirRewards Bonus Points
Complimentary Annual Ticket
Free Airport Transfers
EMIRATES NBD
Salary: AED 5,000+
Joining Fee: AED 525
Annual Fee: AED 525
Up to AED 1,000 travel vouchers.
Up to 15% Dnata Points on spends
EMIRATES NBD
Minimum Salary AED 5,000
No Annual Fee
AED 60,000 Job Loss Cover for 12 months
Lounge access at 10+ regional airports.
Exclusive travel and shopping deals.
EMIRATES NBD
Salary: AED 5,000+
No Annual Fee
Earn LuLu Points: Up to 3.5% cashback.
0% Balance Transfer - No Fees
Complimentary Lounge Access: 10+ lounges.
FIRST ABU DHABI BANK (FAB)
Salary: AED 5,000+
No Annual Fee
10% cashback on du bills
10% cashback on data packages
10% off du Easy Payment Plans
FIRST ABU DHABI BANK (FAB)
Salary: AED 5,000+
No Annual Fee
Win trips to Etihad Stadium.
Win Tickets
Special Discounts Available
EMIRATES ISLAMIC
Salary: AED 5,000+
No Annual Fee for the first year
Welcome Offer: AED 500 Cashback points
Up to 8% cashback on your spends
Switch between Lifestyle or Travel cashback category
CBD
Salary: AED 5,000+
No Annual Fee for the first year
Up to 10% Cashback on Bills, Education, Fuel.
50% off Cinema Tickets
Complimentary Hotel Night
CBD
Salary: AED 5,000+
No Annual Fee
2-for-1 offers with the ENTERTAINER
Up to AED 500 cashback cap per month
50% off cinema tickets
CBD
Salary: AED 5,000
Free Annual Fee First Year
90-Day Free Smiles Unlimited Subscription
Earn Smiles Points on AED Spending
50% Off Tickets
CBD
Salary: AED 5,000+
No Annual Fee for the first Year
20,000 Yes Rewards Welcome Bonus
Save up to 15% on fuel.
50% off cinema tickets
HSBC
Salary: AED 5,000+
No Annual Fee for the first year
Welcome Bonus: AED 800 Amazon gift card
6% cashback on dining (up to AED 200)
5% cashback on fuel (up to AED 200)
DEEM
Salary: AED 5,000+
No Annual Fee First Year
30% off on Udemy
Debt Consolidation Option
Spend AED 100 for AED 100,000 weekly draw.
DUBAI FIRST
Salary: AED 5,000+
Annual Fee: AED 418.95
5% Cashback on groceries, dining and fuel
0.50% Cashback on international and domestic retail spends
Instant Cashback Redemption
ABU DHABI COMMERCIAL BANK (ADCB)
Salary: AED 5,000+
No Annual Fee
3.5 LuLu Points per AED 1 spent at LuLu stores
Up to 1 LuLu Points per AED 1 spent on all other spends
Complimentary airport lounge access
FIRST ABU DHABI BANK (FAB)
Salary: AED 5,000+
No Annual Fee
20,000 FAB Rewards Bonus on spending AED 10,000 or more each month
5 FAB Rewards on online spends
1 FAB Reward on all other spends
FIRST ABU DHABI BANK (FAB)
Salary: AED 5,000+
Annual Fee: AED 315
5 FAB Rewards per AED 1 on sports spending
2 FAB Rewards per AED 1 on domestic and international spending
25 FAB Rewards for every 1,000 daily steps in STEPPI (min 6,000 steps, capped at 10,000 steps/day)
INVEST BANK
Salary: AED 5,000+
No Annual Fee for the first year
Flat 3% cashback on all spends (up to AED 1,000/month)
Access to 25+ VIP Airport Lounges
20% off Careem rides (3 rides/month)
EMIRATES NBD
Salary: AED 5,000+
No Annual Fee
6.25% cashback on all spends at Aldar destinations
0.75% cashback on spends at non-Aldar locations.
Complimentary Darna Silver tier status
FIRST ABU DHABI BANK (FAB)
Salary: AED 5,000+
No Annual Fee for the first year
Free Careem Plus & Noon One for 1 year
20% off on monthly subscriptions to Netflix, PlayStation, YouTube, Spotify and more
No FX fees abroad
ABU DHABI ISLAMIC BANK (ADIB)
Salary: AED 5,000+
Annual Fee: AED 999
Welcome bonus: 10,000 SHARE Points
12% back in SHARE Points for the first 3 months
6% back in SHARE Points at Carrefour and Majid Al Futtaim destinations
FIRST ABU DHABI BANK (FAB)
Salary: AED 5,000+
Annual Fee: AED 315
15% back on ADNOC fuel spending
3% back on SALIK, DARB and Mawaqif
2% back on international spending
MASHREQ BANK
Salary: AED 7,000+
Annual Fee AED 650 + 5% VAT
Welcome Bonus: AED 1,500
8 complimentary Fitness First visits/month
5 points/AED intl, 3 points/dining, 1 point/local
SHARJAH ISLAMIC BANK
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
RAKBANK
Salary: AED 8,000+
No Annual Fee
Joining Bonus: AED 500
5% Cashback on Supermarkets, Dining
2% Standard Cashback
FIRST ABU DHABI BANK (FAB)
Salary: AED 8,000+
Annual Fee: AED 500
Welcome Bonus: 10,000 Miles
Earn 4 Etihad Miles per AED 10 spent.
2 free airport transfers/year
FIRST ABU DHABI BANK (FAB)
Salary: AED 8,000+
Annual Fee: AED 399
10% cashback on bus, canteen, uniform purchases
20% discount Emaar attractions
2% cashback on spending
ABU DHABI COMMERCIAL BANK (ADCB)
Salary: AED 8,000+
No Annual Fee
8 LuLu Points per AED 1 spent at LuLu stores
Up to 1.25 LuLu Points per AED 1 spent on all other spends
Complimentary airport lounge access
ABU DHABI COMMERCIAL BANK (ADCB)
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
ABU DHABI COMMERCIAL BANK (ADCB)
Salary: AED 8,000+
No Annual Fee for the first year
Welcome Bonus: up to AED 1,200
10% back as Shukrans on spends at Shukran brands
Up to 1.5% back as Shukrans on all other spends
AAFAQ ISLAMIC FINANCE
Salary: AED 8,000+
Annual Fee: Free
Mastercard Platinum lounge & meet & greet
Balance Transfer, Finance on Phone & EPP
DEEM
Salary: AED 10,000+
No Annual Fee
30% off on Udemy
Debt Consolidation Option
Spend AED 100 for AED 100,000 weekly draw.
AJMAN BANK
Salary: AED 10,000+
Annual Fee: AED 300
Welcome Bonus: up to AED 500
5% cashback on fuel, education, grocery, online shopping
1% cashback on all other spends
AJMAN BANK
Salary: AED 10,000+
No Annual Fee (Free for Life)
50% cashback on refreshments & snacks
10% cashback on Amazon, Noon & Careem
5% cashback on dine-in
AJMAN BANK
Salary: AED 10,000+
Annual Fee: AED 600
Welcome Bonus: AED 1,000 cashback
50% cashback on refreshments & snacks
10% cashback on Amazon, Noon & Careem
UNITED ARAB BANK (UAB)
Salary: AED 10,000+
No Annual Fee for the first year
Welcome Offer: ENTERNAINER subscription
Up to 5% cashback on groceries and fuel
100% casbhack on video streaming subscription
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.
Common questions about Best Airport Lounge Access Credit Cards for AED 10,000+ Salary in the UAE