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AboutBlogBanksCalculatorsPick me a cardChatGPT AppSecure Collect

Please send feedback and feature requests to team@kredit.ae

For partnerships please reach out to partner@kredit.ae

SMART SPEND - FZCO, License No. 68272, Legal address: Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, United Arab Emirates

All third-party trademarks, logos, and brand names displayed on this website are the property of their respective owners. They are used for identification and informational purposes only, and their use does not imply affiliation with, endorsement by, or sponsorship from any trademark owner. If you are a trademark owner with concerns, please contact us and we will address them promptly.

Kredit publishes independent editorial content and card comparisons to help users evaluate credit card options. We may earn a commission when users click certain links, submit an application, are approved, or open an account with partner institutions. Compensation may affect how and where products appear on the site. We do not cover every available card, and our editorial analysis is produced independently and is not reviewed, approved, or influenced by card issuers, banks, or partners before or after publication.

Kredit is a product of SMART SPEND - FZCO, a licensed entity under the International Free Zone Authority (IFZA), UAE

Copyright © 2026 All Rights Reserved.

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Best Golf Credit Cards for AED 20,000+ Salary

Compare and explore golf credit cards in the UAE for AED 20,000+ salary requirements. Find the best rewards, cashback offers, and benefits. Apply online instantly with Kredit.

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June Spotlight

Emirates NBD

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.

See all
ENBD noon One Visa Credit Card Design

EMIRATES NBD

ENBD noon One Visa Credit Card

Salary: AED 5,000+

ENBD SHARE Platinum Credit Card Design

EMIRATES NBD

ENBD SHARE Platinum Credit Card

Salary: AED 5,000+

27 cards in the UAE

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Emirates Islamic Switch Cashback Credit Card Design

EMIRATES ISLAMIC

Emirates Islamic Switch Cashback Credit Card

Eligibility criteria

General requirements for credit card applications in the UAE. Exact thresholds vary by bank and card tier.

Minimum age21 years
Monthly salaryAED 5,000–20,000
EmploymentSalaried employees or self-employed professionals
ResidencyUAE residents with a valid Emirates ID and residence visa
Credit historyAECB credit score is checked; a clean record strengthens approval
Minimum age21 years
Monthly salaryAED 5,000–20,000
EmploymentSalaried employees or self-employed professionals
ResidencyUAE residents with a valid Emirates ID and residence visa
Credit historyAECB 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)

Not sure which card to pick?

Try the UAE Credit Card Picker

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.

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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

ExploreLearn more about ENBD noon One Visa Credit Card credit card benefits and features

No Annual Fee

4% cashback with Al Futtaim brands

0.75% cashback on other spends

Buy 1 get 1 movie ticket at VOX Cinemas

ExploreLearn more about ENBD SHARE Platinum Credit Card credit card benefits and features

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

ExploreLearn more about Emirates Islamic Switch Cashback Credit Card credit card benefits and featuresApplyApply for Emirates Islamic Switch Cashback Credit Card credit card
CBD Super Saver Credit Card Design

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.

50% off Cinema Tickets

Complimentary Hotel Night

ExploreLearn more about CBD Super Saver Credit Card credit card benefits and featuresApplyApply for CBD Super Saver Credit Card credit card
CBD One Credit Card Design

CBD

CBD One Credit Card

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

ExploreLearn more about CBD One Credit Card credit card benefits and featuresApplyApply for CBD One Credit Card credit card
CBD Smiles Visa Signature Credit Card Design

CBD

CBD Smiles Visa Signature Credit Card

Salary: AED 5,000

Free Annual Fee First Year

90-Day Free Smiles Unlimited Subscription

Earn Smiles Points on AED Spending

50% Off Tickets

ExploreLearn more about CBD Smiles Visa Signature Credit Card credit card benefits and featuresApplyApply for CBD Smiles Visa Signature Credit Card credit card
CBD Yes Rewards Credit Card Design

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.

50% off cinema tickets

ExploreLearn more about CBD Yes Rewards Credit Card credit card benefits and featuresApplyApply for CBD Yes Rewards Credit Card credit card
FAB Etihad Guest Platinum Credit Card Design

FIRST ABU DHABI BANK (FAB)

FAB Etihad Guest Platinum Credit Card

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

ExploreLearn more about FAB Etihad Guest Platinum Credit Card credit card benefits and featuresApplyApply for FAB Etihad Guest Platinum Credit Card credit card
ADCB TouchPoints Platinum Credit Card Design

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

ExploreLearn more about ADCB TouchPoints Platinum Credit Card credit card benefits and featuresApplyApply for ADCB TouchPoints Platinum Credit Card credit card
ENBD Mastercard Platinum Credit Card Design

EMIRATES NBD

ENBD Mastercard Platinum Credit Card

Salary: AED 12,000+

No Annual Fee

Unlimited lounge access

30% discount at 2000+ restaurants

40% discount at golf courses worldwide

ExploreLearn more about ENBD Mastercard Platinum Credit Card credit card benefits and features
ENBD Skywards Signature Credit Card Design

EMIRATES NBD

ENBD Skywards Signature Credit Card

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

ExploreLearn more about ENBD Skywards Signature Credit Card credit card benefits and features
ENBD Visa Flexi Credit Card Design

EMIRATES NBD

ENBD Visa Flexi Credit Card

Min Salary: AED 12,000

No Annual Fee

1.5% Rewards on retail spends

Lounge Access Included

30% discount at 2,000+ restaurants

ExploreLearn more about ENBD Visa Flexi Credit Card credit card benefits and features
ENBD Duo Credit Card Design

EMIRATES NBD

ENBD Duo Credit Card

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

ExploreLearn more about ENBD Duo Credit Card credit card benefits and features
Emirates Islamic Etihad Guest Saqer Credit Card Design

EMIRATES ISLAMIC

Emirates Islamic Etihad Guest Saqer Credit Card

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

ExploreLearn more about Emirates Islamic Etihad Guest Saqer Credit Card credit card benefits and featuresApplyApply for Emirates Islamic Etihad Guest Saqer Credit Card credit card
Emirates Islamic Etihad Guest Ameera Credit Card Design

EMIRATES ISLAMIC

Emirates Islamic Etihad Guest Ameera Credit Card

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

ExploreLearn more about Emirates Islamic Etihad Guest Ameera Credit Card credit card benefits and featuresApplyApply for Emirates Islamic Etihad Guest Ameera Credit Card credit card
Emirates Islamic Skywards Signature Credit Card Design

EMIRATES ISLAMIC

Emirates Islamic Skywards Signature Credit Card

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

ExploreLearn more about Emirates Islamic Skywards Signature Credit Card credit card benefits and featuresApplyApply for Emirates Islamic Skywards Signature Credit Card credit card
Emirates Islamic Cashback Plus Credit Card Design

EMIRATES ISLAMIC

Emirates Islamic Cashback Plus Credit Card

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

ExploreLearn more about Emirates Islamic Cashback Plus Credit Card credit card benefits and featuresApplyApply for Emirates Islamic Cashback Plus Credit Card credit card
ENBD Voyager World Credit Card Design

EMIRATES NBD

ENBD Voyager World Credit Card

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

ExploreLearn more about ENBD Voyager World Credit Card credit card benefits and features
FAB Etihad Guest Signature Credit Card Design

FIRST ABU DHABI BANK (FAB)

FAB Etihad Guest Signature Credit Card

Salary: AED 15,000+

Free First Year, AED 1,500 After

Bonus: Up to 100,000 Etihad Miles

5.5 Etihad Miles per AED 10 spent

Fast track to Etihad Silver membership.

ExploreLearn more about FAB Etihad Guest Signature Credit Card credit card benefits and featuresApplyApply for FAB Etihad Guest Signature Credit Card credit card
Emirates Islamic Flex Elite Credit Card Design

EMIRATES ISLAMIC

Emirates Islamic Flex Elite Credit Card

Salary: AED 15,000+

Annual Fee: AED 735

75,000 EI SmartMiles Welcome Bonus

3.75% cashback on international spend

Unlimited rounds of golf

ExploreLearn more about Emirates Islamic Flex Elite Credit Card credit card benefits and featuresApplyApply for Emirates Islamic Flex Elite Credit Card credit card
CBD Visa Infinite Credit Card Design

CBD

CBD Visa Infinite Credit Card

Salary: AED 15,000+

No Annual Fee over AED 100,000 spends

3 Points per 1 AED spent

Free Golf Rounds

50% Off Cinema Tickets

ExploreLearn more about CBD Visa Infinite Credit Card credit card benefits and featuresApplyApply for CBD Visa Infinite Credit Card credit card
Citi Premier Credit Card Design

CITIBANK

Citi Premier Credit Card

Salary: AED 15,000+

Annual Fee: AED 750

10,000 bonus points annually post payment of annual fee

3 Points on non-AED spends

2 Points on local spends

ExploreLearn more about Citi Premier Credit Card credit card benefits and featuresApplyApply for Citi Premier Credit Card credit card
Emirates Islamic Amazon World Credit Card Design

EMIRATES ISLAMIC

Emirates Islamic Amazon World Credit Card

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

ExploreLearn more about Emirates Islamic Amazon World Credit Card credit card benefits and featuresApplyApply for Emirates Islamic Amazon World Credit Card credit card
DIB SHAMS Infinite Credit Card Design

DUBAI ISLAMIC BANK

DIB SHAMS Infinite Credit Card

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

ExploreLearn more about DIB SHAMS Infinite Credit Card credit card benefits and featuresApplyApply for DIB SHAMS Infinite Credit Card credit card
ADCB Traveller Credit Card Design

ABU DHABI COMMERCIAL BANK (ADCB)

ADCB Traveller Credit Card

Salary: AED 20,000+

Annual Fee: AED 1,575

10% Cashback on airline tickets

10% Cashback on hotel stays

1.5% Cashback on all domestic spends

ExploreLearn more about ADCB Traveller Credit Card credit card benefits and featuresApplyApply for ADCB Traveller Credit Card credit card
ENBD Dnata World Credit Card Design

EMIRATES NBD

ENBD Dnata World Credit Card

Salary: AED 20,000+

Joining Fee: AED 1,048.95

Annual Fee AED 1,048.95

Welcome Offer: Up to AED 2,500 travel vouchers

Earn 15% dnata Points on dnata spends.

ExploreLearn more about ENBD Dnata World Credit Card credit card benefits and features
Emirates Islamic Etihad Guest Premium Credit Card Design

EMIRATES ISLAMIC

Emirates Islamic Etihad Guest Premium Credit Card

Salary: AED 20,000+

Annual Fee: AED 1,500

Welcome Bonus: Up to 55,000 Etihad Guest Miles

Up to 3.5 Etihad Guest Miles per USD spent

Fast-Track to Etihad Guest Gold Status

ExploreLearn more about Emirates Islamic Etihad Guest Premium Credit Card credit card benefits and featuresApplyApply for Emirates Islamic Etihad Guest Premium Credit Card credit card
Emirates Islamic Skywards Infinite Credit Card Design

EMIRATES ISLAMIC

Emirates Islamic Skywards Infinite Credit Card

Salary: AED 20,000+

No Annual Fee for the first year

Up to 2 Skywards Miles per USD spent

Unlimited complimentary access to over 1000+ airport lounges

Automatic Skywards Silver Membership Upgrade

ExploreLearn more about Emirates Islamic Skywards Infinite Credit Card credit card benefits and featuresApplyApply for Emirates Islamic Skywards Infinite Credit Card credit card
Aafaq World Elite Credit Card Design

AAFAQ ISLAMIC FINANCE

Aafaq World Elite Credit Card

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

ExploreLearn more about Aafaq World Elite Credit Card credit card benefits and featuresApplyApply for Aafaq World Elite Credit Card credit card
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 Golf Credit Cards for AED 20,000+ Salary in the UAE

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.

Card issuers can update fees, rewards, and offer terms. Review the latest key facts statement before you apply.

These pages help you shortlist cards around AED 20,000+ salary requirements. Always confirm final eligibility with the bank during application.