Best Welcome bonus Credit Cards for AED 12,000+ Salary
Compare and explore welcome bonus credit cards in the UAE for AED 12,000+ salary requirements.
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October 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
- AED 500 bonus on AED 5,000
- 20% back in credits on noon Food
- 5% back in credits on noon
3.9/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles on AED 35,000
- No Annual Fee
- 6 Miles/AED on Voyager Portal
- 3 Miles/AED on other travel
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles on AED 70,000
- No Annual Fee for the first year
- 12 Miles/AED on Voyager Portal
- 6 Miles/AED on other travel
35 cards in the UAE
4.1/5
EMIRATES NBD
ENBD noon One Visa Credit Card
- Salary: AED 5,000+
- No Annual Fee
- AED 500 bonus on AED 5,000
- 20% back in credits on noon Food
- 5% back in credits on noon
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Talabat Credit Card
- Salary: AED 5,000+
- No Annual Fee
- Up to AED 750 welcome bonus
- 35% cashback on talabat orders (as talabat credit)
- 1.25% cashback on other spends (as talabat credit)
RAKBANK
Rakbank Air Arabia Platinum Credit Card
- Salary: AED 5,000+
- AED 420 annual fee; year-two spend waiver
- 15,000 AirRewards Bonus Points
- Complimentary Annual Ticket
- Free Airport Transfers
MASHREQ BANK
Mashreq Platinum Plus Credit Card
- Salary: AED 5,000+
- Annual Fee: AED 313.95
- 10 points/AED on everyday categories
- 4 lounge visits/year
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)
MASHREQ BANK
Mashreq Aura Credit Card
- Salary: AED 5,000+
- Annual Fee: Free
- 4% at Aura brands
- 3% on grocery
- AED 500 Welcome Bonus
MASHREQ BANK
Mashreq Noon Credit Card
- Salary: AED 5,000+
- No Annual Fee
- Welcome Bonus: AED 500
- Free Delivery on Noon Express
- Up to 5% cashback on noon purchases
EMIRATES ISLAMIC
Emirates Islamic Switch Cashback Credit Card
- 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
COMMERCIAL BANK OF DUBAI (CBD)
CBD Super Saver Credit Card
- Salary: AED 5,000+
- No Annual Fee for the first year
- Up to 10% Cashback on Bills, Education, Fuel.
COMMERCIAL BANK OF DUBAI (CBD)
CBD Yes Rewards Credit Card
- Salary: AED 5,000+
- No Annual Fee for the first Year
- 20,000 Yes Rewards Welcome Bonus
- Save up to 15% on fuel.
DEEM
Deem Titanium Mastercard
- Salary: AED 5,000+
- First year free
- Up to 50,000 Joy Points/month
- AED 250,000 draw every 6 months
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB 365 Cashback Credit Card
- Salary: AED 5,000+
- 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
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB TouchPoints Platinum Credit Card
- Salary: AED 5,000+
- 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)
ADCB Shukran Credit Card
- Salary: AED 5,000+
- 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
ABU DHABI ISLAMIC BANK (ADIB)
Marriott Bonvoy ADIB Visa Signature Card
- Salary: AED 5,000+
- Annual Fee: AED 523.95
- Welcome bonus: 50,000 Marriott Bonvoy points
- 3 Marriott Bonvoy points per USD 1 at Marriott properties
- Marriott Bonvoy Silver Elite status
ABU DHABI ISLAMIC BANK (ADIB)
Marriott Bonvoy ADIB Visa Infinite Card
- Salary: AED 5,000+
- Annual Fee: AED 2,625
- Welcome bonus: up to 200,000 Marriott Bonvoy points
- 8 Marriott Bonvoy points per USD 1 at Marriott properties
- Marriott Bonvoy Gold Elite status
ABU DHABI ISLAMIC BANK (ADIB)
ADIB SHARE Infinite Credit Card
- Salary: AED 5,000+
- Annual Fee: AED 1,048.95
- Welcome bonus: 10,000 SHARE Points
- Double SHARE Points (12%) at select Carrefour/MAF venues for 90 days on new signups
- 6% back in SHARE Points at Carrefour and Majid Al Futtaim destinations
ABU DHABI ISLAMIC BANK (ADIB)
ADIB SHARE Visa Platinum Card
- Salary: AED 5,000+
- Annual Fee: AED 208.95
- Welcome bonus: 2,000 SHARE Points
- Double SHARE Points (6%) at Carrefour/MAF for 90 days on new signups
- 3% back in SHARE Points at Carrefour and Majid Al Futtaim destinations
RUYA COMMUNITY ISLAMIC BANK
Ruya Mastercard Cashback Credit Card
- Salary: AED 5,000+
- Waived Annual Fee for the first year
- 2% cashback on eligible purchases (up to AED 500/month)
- Fully digital onboarding
- Shari’ah-compliant
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
FIRST ABU DHABI BANK (FAB)
FAB GEMS World Credit Card
- Salary: AED 8,000+
- Annual Fee: AED 418.95
- 10% cashback on bus, canteen, uniform purchases
- 2% cashback on spending
CITIBANK
Citi Ready Credit Card
- Salary: AED 8,000
- Annual Fee Waived Without Conditions
- Instant cash advance upon credit limit approval
- Up to 6X of your monthly income or up to AED 175,000, whichever is lower
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
MASHREQ BANK
Mashreq Aura World Credit Card
- Salary: AED 10,000+
- Annual Fee: AED 525
- 6% at Aura brands
- 4% on grocery
- AED 1,000 Welcome Bonus
HSBC
HSBC Live+ Credit Card
- Salary: AED 10,000+
- First year fee-free
- Up to AED 800 welcome cashback
- 6% dining cashback
- 5% fuel cashback
DEEM
Deem Platinum Mastercard
- Salary: AED 10,000+
- AED 315/year, free year one
- Up to 75,000 Joy Points/month
- 25+ regional lounges
- AED 250,000 draw every 6 months
AJMAN BANK
Ajman Bank ULTRACASH Credit Card
- Salary: AED 10,000+
- Annual Fee: AED 315 expats / AED 525 nationals
- Welcome Bonus: up to AED 500
- 5% in 2 selected categories
- 1% cashback on all other spends
EMIRATES NBD
ENBD Skywards Signature Credit Card
- Salary: AED 12,000+
- Joining Fee: AED 1,573.95
- Annual Fee: AED 735
- Up to 40,000 bonus Miles
- 1.5 Miles/USD on Emirates
EMIRATES NBD
ENBD Duo Credit Card
- Salary: AED 12,000+
- Annual Fee: AED 840
- 5% rewards on grocery, utilities & fuel
- 0.5% on other spends
- Unlimited airport lounge access worldwide
EMIRATES ISLAMIC
Emirates Islamic Etihad Guest Saqer Credit Card
- Salary: AED 12,000+
- Annual Fee: AED 943.95
- Welcome Bonus: 30,000 Etihad Guest Miles
- Up to 3 Etihad Guest Miles per USD spent
- Fast-Track to Etihad Silver Status
EMIRATES ISLAMIC
Emirates Islamic Etihad Guest Ameera Credit Card
- Salary: AED 12,000+
- Annual Fee: AED 733.95
- Welcome Bonus: 20,000 Etihad Guest Miles
- Up to 3 Etihad Guest Miles per USD spent
- Fast-Track to Etihad Silver Status
EMIRATES NBD
ENBD Lulu 247 Platinum Credit Card
- Salary: AED 12,000+
- Annual Fee: AED 262.50
- Up to 7% LuLu Points on spends.
- Welcome Offer: 500 LuLu Points
- Mastercard Travel Pass lounges
EMIRATES NBD
ENBD Darna Visa Signature Credit Card
- Salary: AED 12,000+
- Annual Fee: AED 315
- Welcome bonus: 3,000 Darna Points after AED 15,000 spend in 3 months
- 7.5% cashback on all spends at Aldar destinations
- Complimentary Darna Gold tier status
EMIRATES NBD
ENBD SHARE Signature Credit Card
- Salary: AED 12,000+
- No Annual Fee
- 6% cashback at Majid Al Futtaim
- 1% cashback on other spends
- Welcome bonus: 5,000 SHARE Points
3.9/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles on AED 35,000
- No Annual Fee
- 6 Miles/AED on Voyager Portal
- 3 Miles/AED on other travel
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 5,000–12,000 |
| 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 5,000–12,000 |
| 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)
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 Welcome bonus Credit Cards for AED 12,000+ Salary in the UAE
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