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 dining credit cards in the UAE for AED 20,000+ salary requirements. Find the best rewards, cashback offers, and benefits. Apply online instantly with Kredit.
See cardsJune Spotlight
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.
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 5,000–20,000 |
| 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 5,000–20,000 |
| 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
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
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
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+
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
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
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
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
4% cashback with Al Futtaim brands
0.75% cashback on other spends
Buy 1 get 1 movie ticket at VOX Cinemas
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
RAKBANK
Salary: AED 8,000+
No Annual Fee
Joining Bonus: AED 500
5% Cashback on Supermarkets, Dining
2% Standard Cashback
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+
Annual Fee: AED 945
Exclusive for UAE nationals
7% cashback on 7 categories
1% cashback on all other domestic and international spends
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+
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
EMIRATES NBD
Min Salary: AED 12,000
No Annual Fee
1.5% Rewards on retail spends
Lounge Access Included
30% discount at 2,000+ restaurants
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 NBD
Salary: AED 12,000+
Annual Fee: AED 840
5% rewards on grocery, utilities, telecom & fuel
0.5% on other spends
Unlimited airport lounge access worldwide
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 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
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 15,000+
Annual Fee: AED 735
Welcome Bonus: AED 1,000 equivalent
10% cashback at Union Coop
3% cashback on international spends
RAKBANK
Salary: AED 15,000+
No Annual Fee First Year
Exclusive for UAE nationals
50,000 RAKrewards Bonus
100% Cashback on Salik + DARB
MAWARID FALAK TAYYEB FINANCE
Salary: AED 15,000+
No Annual Fee
10% cashback on dining, groceries, and fuel (AED 500 cap)
5% cashback on education (AED 1,000 cap)
2% cashback on all other spends (AED 2,500 cap)
MAWARID FALAK TAYYEB FINANCE
Salary: AED 15,000+
No Annual Fee
10% cashback on dining, groceries, and fuel (AED 500 cap)
5% cashback on education (AED 1,000 cap)
2% cashback on all other spends (AED 2,500 cap)
MAWARID FALAK TAYYEB FINANCE
Salary: AED 15,000+
No Annual Fee
10% cashback on dining, groceries, and fuel (AED 250 cap)
5% cashback on education (AED 750 cap)
2% cashback on all other spends (AED 1,500 cap)
EMIRATES ISLAMIC
Salary: AED 15,000+
No Annual Fee
Welcome Bonus: AED 750 on AED 10,000 spend in 60 days
Up to 6% back in Amazon Rewards on your spends with no cap
Up to 2 free items at Costa at Dubai airports
DUBAI ISLAMIC BANK
Salary: AED 20,000+
No Annual Fee for the First Year
5% Cashback on Dining and Travel bookings
Complimentary Access to Fitness First
Complimentary Airport Transfers
RAKBANK
Salary: AED 20,000+
No Annual Fee First Year
10% Cashback on Travel & Hotel Spends
10% Cashback on Supermarket Spends
10% Cashback on Dining Spends
RAKBANK
Salary: AED 20,000+
No Annual Fee
RAKrewards on Every Spend
Cash Advance: Up to 80% of the credit limit
Free Supplementary Card
AAFAQ ISLAMIC FINANCE
Salary: AED 20,000+
Annual Fee: AED 1,050 (first year free)
5% online & dining
3% international
20% welcome cashback on Amazon, noon, Careem, Talabat
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 Dining Credit Cards for AED 20,000+ Salary in the UAE