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 cashback credit cards in the UAE for AED 14,000+ salary requirements. Find the best rewards, cashback offers, and benefits. Apply online instantly with Kredit.
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Two free-for-life Emirates NBD credit cards built for everyday UAE spending — the noon One Visa pays up to 20% back as noon Credits on noon Food, and the Share Platinum earns Share Points across grocery, dining, and online retail.
78 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 5,000–12,000 |
| 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.
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.
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
No Annual Fee
4% cashback with Al Futtaim brands
0.75% cashback on other spends
Buy 1 get 1 movie ticket at VOX Cinemas
Welcome Bonus: AED 500
Free Delivery on Noon Express
Up to 5% cashback on noon purchases
Instant Digital Card
TABBY
Use anywhere with up to AED 10,000 to spend
Monthly Fee: up to AED 49
5% cashback on selected categories with Plus
Split payments in 4
Additional cashback with selected partners
ZIINA
Monthly Fee: AED 100
Free Plan Available
No FX Fee
100% Cashback at selected brands
Lifestyle benefits with Violet
SAV
No Annual Fee
5% cashback on eligible spends
Pro: up to AED 500/month
Standard: up to AED 125/month
AED 200/month cap per category
EMIRATES NBD
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
WIO BANK
Salary: AED 5,000+
No Annual Fee with Wio Plan
2% Cashback on all spends
0.5% Cashback on Credit Card Bill Payments
Total Cashback up to AED 2,500/month
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
ABU DHABI COMMERCIAL BANK (ADCB)
Salary: AED 5,000+
No Annual Fee
Welcome Bonus: AED 500 on spending AED 2,500 in 45 days
35% cashback on talabat orders (as talabat credit)
1.25% cashback on other spends (as talabat credit)
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
FIRST ABU DHABI BANK (FAB)
Salary: AED 5,000+
Annual Fee: AED 300
5% cashback on fuel, dining, groceries
3% cashback on international spends
1% cashback on other retail spends
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
1% cashback on all spends
5% cashback on Emaar spends
Buy 1 Get 1 Free Movie Tickets.
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.
EMIRATES NBD
Salary: AED 5,000+
No Annual Fee
1 Point per AED 200 spent
Interest-free Period: Up to 55 days.
Exclusive for Online Shopping
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
FIRST ABU DHABI BANK (FAB)
Salary: AED 5,000+
No Annual Fee
4% at malls & Carrefour
1% international
2-for-1 VOX monthly
MASHREQ BANK
Salary: AED 5,000+
No Annual Fee
AED 500 Welcome Bonus
Unlimited 5% Cashback on dining.
1% Cashback on international spends (non-dining)
EMIRATES ISLAMIC
Salary: AED 5,000+
Annual Fee: AED 350
5% Cashback on telecom
5% Cashback on electronics
Up to 1% cashback on all local and international spends
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
EMIRATES ISLAMIC
Salary: AED 5,000+
No Annual Fee
10,000 EI SmartMiles Welcome Bonus
Up to 2.25 EI SmartMiles per AED 1 spend
Up to 2 Buy 1 Get 1 complimentary movie tickets each month
EMIRATES ISLAMIC
Salary: AED 5,000+
No Annual Fee
10% Cashback on RTA Transport
10% Cashback on Fuel
2.25% Cashback on Other Spends
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+
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)
EMIRATES NBD
Salary: AED 5,000+
No Annual Fee
5 points per AED 400 weekend spend
Use Card as Nol Card.
Free Rides on Dubai Ferry
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
EMIRATES NBD
Salary: AED 5,000+
No Annual Fee
4% cashback with Al Futtaim brands
0.75% cashback on other spends
Buy 1 get 1 movie ticket at VOX Cinemas
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 COMMERCIAL BANK (ADCB)
Salary: AED 5,000+
No Annual Fee
Welcome Bonus: AED 350
Up to 1.25% cashback on all spends
0.75% on select categories
AL HILAL BANK
Salary: AED 5,000+
No Annual Fee
5% cashback on 2 categories from the following: dining, groceries, fuel, international and education
1% cashback on all other retail transactions except government spends
Complimentary airport lounge access to over 25 lounges worldwide
MAWARID FALAK TAYYEB FINANCE
Salary: AED 5,000+
No Annual Fee
10% cashback on dining, groceries, and fuel (AED 100 cap)
5% cashback on education (AED 500 cap)
2% cashback on all other spends (AED 1,000 cap)
ABU DHABI ISLAMIC BANK (ADIB)
Salary: AED 5,000+
Annual Fee: AED 99
4% cashback on groceries, fuel, education, dining and utility spends
Four Free Supplementary cards
Road Side Assistance once a Year
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
ABU DHABI ISLAMIC BANK (ADIB)
Salary: AED 5,000+
Annual Fee: AED 199
Welcome bonus: 2,000 SHARE Points
6% back in SHARE Points for the first 3 months
3% 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
RUYA COMMUNITY ISLAMIC BANK
Salary: AED 5,000+
Waived Annual Fee for the first year
2% cashback on all purchases (up to AED 500/month)
Fully digital onboarding
Shari’ah-compliant
UNITED ARAB BANK (UAB)
Salary: AED 6,000+
No Annual Fee
Welcome Offer: ENTERNAINER subscription
Up to 5% cashback on groceries and fuel
100% casbhack on video streaming subscription
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+
No Annual Fee
5% Cashback on Al-Futtaim Brands
1% FAB Rewards Cashback
0% Interest Plans
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
CITIBANK
Salary: AED 8,000+
No Annual Fee for the first year
10,000 bonus points annually post payment of annual fee
1.5 Points on grocery and non-AED spends
1 Point on local spends
CITIBANK
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
ABU DHABI COMMERCIAL BANK (ADCB)
Salary: AED 8,000+
Annual Fee: AED 383.25
6% cashback on dining (including online food orders)
5% cashback on groceries
3% cashback on utilities, telecom, fuel and Salik
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+
Annual Fee: AED 945
Exclusive for UAE nationals
7% cashback on 7 categories
1% cashback on all other domestic and international spends
RAKBANK
Salary: AED 10,000+
No Annual Fee
20,000 AirRewards Bonus Points
Complimentary Annual Ticket
Free Airport Transfers
FIRST ABU DHABI BANK (FAB)
Salary: AED 10,000+
Annual Fee: AED 525
5,000 bonus SHARE points
6% at malls & Carrefour
2-for-1 VOX 3× monthly
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
EMIRATES NBD
Min Salary: AED 12,000
Joining Fee: AED 525
Annual Fee: AED 262.50
6.25% cashback on Emaar spends
U By Emaar Gold Status
EMIRATES NBD
Salary: AED 12,000+
No Annual Fee
Unlimited lounge access
30% discount at 2000+ restaurants
40% discount at golf courses worldwide
EMIRATES NBD
Salary: AED 12,000+
No Annual Fee
5 points per AED 200 on weekends
Use Card as Golden Nol Card.
Free Rides on Dubai Ferry
EMIRATES NBD
Salary: AED 12,000+
Joining Fee: AED 1,573.95
Annual Fee: AED 735
Earn 40,000 bonus Skywards Miles.
1.5 Skywards Miles per USD on Emirates, flydubai
EMIRATES NBD
Salary: AED 12,000+
Annual Fee: AED 420
Earn Plus Points on spending.
Unlimited airport lounge access worldwide
30% discount at 2,000+ UAE restaurants
EMIRATES ISLAMIC
Salary: AED 12,000+
Annual Fee: AED 899
Welcome Bonus: 30,000 Etihad Guest Miles
Up to 3 Etihad Guest Miles per USD spent
Fast-Track to Etihad Silver Status
EMIRATES ISLAMIC
Salary: AED 12,000+
Annual Fee: AED 699
Welcome Bonus: 20,000 Etihad Guest Miles
Up to 3 Etihad Guest Miles per USD spent
Fast-Track to Etihad Silver Status
EMIRATES ISLAMIC
Salary: AED 12,000+
Annual Fee: AED 700
Up to 1.5 Skywards Miles per USD spent
Unlimited complimentary access to over 1000 airport lounges
1 complimentary valet parking monthly
EMIRATES ISLAMIC
Salary: AED 12,000+
Annual Fee: AED 299
Up to 10% cashback on groceries, education, dining, telecom
Unlimited airport lounge access
2 rounds of complimentary golf per month
EMIRATES ISLAMIC
Salary: AED 12,000+
No Annual Fee
Exclusive for UAE nationals
Welcome Bonus: AED 1,000 as EI SmartMiles
Up to 3.75 EI SmartMiles per AED 1
EMIRATES NBD
Salary: AED 12,000+
No Annual Fee
Up to 7% LuLu Points on spends.
Welcome Offer: 500 LuLu Points
Unlimited Lounge Access: 25+ lounges available.
EMIRATES NBD
Salary: AED 12,000+
Annual Fee: AED 300
Welcome bonus: 3,000 Darna Points on payment of annual fee
7.5% cashback on all spends at Aldar destinations
Complimentary Darna Gold tier status
EMIRATES NBD
Salary: AED 12,000+
No Annual Fee
6% cashback with Al Futtaim brands
1% cashback on other spends
Welcome bonus: 5,000 SHARE Points
EMIRATES NBD
Salary: AED 12,000+
No Annual Fee
Welcome Offer: 75,000 Voyager Miles
6 Voyager Miles on every AED spent on Voyager Travel Portal
3 Voyager Miles on every AED spent on other travel bookings
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 Cashback Credit Cards for AED 14,000+ Salary in the UAE