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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 Restaurants Credit Cards for AED 20,000+ Salary

Compare and explore restaurants 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+

40 cards in the UAE

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ENBD noon One Visa Credit Card Design

EMIRATES NBD

ENBD noon One Visa 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

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
Liv Cashback Credit Card Design

LIV DIGITAL BANK BY EMIRATES NBD

Liv Cashback Credit Card

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

ExploreLearn more about Liv Cashback Credit Card credit card benefits and features
Tamayaz Platinum Credit Card Design

LIV DIGITAL BANK BY EMIRATES NBD

Tamayaz Platinum Credit Card

Salary: AED 5,000+

Free for life

6% cashback at Union Coop

2% on domestic dining and fuel

1% on intl and domestic retail

ExploreLearn more about Tamayaz Platinum Credit Card credit card benefits and features
ADCB Talabat Credit Card Design

ABU DHABI COMMERCIAL BANK (ADCB)

ADCB Talabat Credit Card

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)

ExploreLearn more about ADCB Talabat Credit Card credit card benefits and featuresApplyApply for ADCB Talabat Credit Card credit card
FAB Cashback Credit Card Design

FIRST ABU DHABI BANK (FAB)

FAB Cashback Credit Card

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

ExploreLearn more about FAB Cashback Credit Card credit card benefits and featuresApplyApply for FAB Cashback Credit Card credit card
FAB Islamic Cashback Credit Card Design

FIRST ABU DHABI BANK (FAB)

FAB Islamic Cashback Credit Card

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

ExploreLearn more about FAB Islamic Cashback Credit Card credit card benefits and featuresApplyApply for FAB Islamic Cashback Credit Card credit card
Mashreq Cashback Credit Card Design
LIMITED OFFER

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)

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

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

ExploreLearn more about Emirates Islamic Switch Cashback Credit Card credit card benefits and featuresApplyApply for Emirates Islamic Switch Cashback Credit Card credit card
HSBC Live+ Credit Card Design

HSBC

HSBC Live+ Credit Card

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)

ExploreLearn more about HSBC Live+ Credit Card credit card benefits and featuresApplyApply for HSBC Live+ Credit Card credit card
Deem Titanium Mastercard Design

DEEM

Deem Titanium Mastercard

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.

ExploreLearn more about Deem Titanium Mastercard credit card benefits and featuresApplyApply for Deem Titanium Mastercard credit card
Dubai First Cashback Credit Card Design

DUBAI FIRST

Dubai First Cashback Credit Card

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

ExploreLearn more about Dubai First Cashback Credit Card credit card benefits and featuresApplyApply for Dubai First Cashback Credit Card credit card
FAB Rewards Indulge Card Design

FIRST ABU DHABI BANK (FAB)

FAB Rewards Indulge Card

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

ExploreLearn more about FAB Rewards Indulge Card credit card benefits and featuresApplyApply for FAB Rewards Indulge Card credit card
Invest Bank Platinum Credit Card Design

INVEST BANK

Invest Bank Platinum Credit Card

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)

ExploreLearn more about Invest Bank Platinum Credit Card credit card benefits and featuresApplyApply for Invest Bank Platinum Credit Card credit card
ENBD SHARE Platinum Credit Card Design

EMIRATES NBD

ENBD SHARE Platinum Credit Card

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

ExploreLearn more about ENBD SHARE Platinum Credit Card credit card benefits and features
Al Hilal Cashback Credit Card Design

AL HILAL BANK

Al Hilal Cashback Credit Card

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

ExploreLearn more about Al Hilal Cashback Credit Card credit card benefits and featuresApplyApply for Al Hilal Cashback Credit Card credit card
Mawarid Titanium Credit Card Design

MAWARID FALAK TAYYEB FINANCE

Mawarid Titanium Credit Card

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)

ExploreLearn more about Mawarid Titanium Credit Card credit card benefits and featuresApplyApply for Mawarid Titanium Credit Card credit card
ADIB Cashback Covered Credit Card Design

ABU DHABI ISLAMIC BANK (ADIB)

ADIB Cashback Covered Credit Card

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​​​​

ExploreLearn more about ADIB Cashback Covered Credit Card credit card benefits and featuresApplyApply for ADIB Cashback Covered Credit Card credit card
RAKBANK Titanium Credit Card Design

RAKBANK

RAKBANK Titanium Credit Card

Salary: AED 8,000+

No Annual Fee

Joining Bonus: AED 500

5% Cashback on Supermarkets, Dining

2% Standard Cashback

ExploreLearn more about RAKBANK Titanium Credit Card credit card benefits and featuresApplyApply for RAKBANK Titanium Credit Card credit card
Citi Cashback Credit Card Design

CITIBANK

Citi Cashback Credit Card

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

ExploreLearn more about Citi Cashback Credit Card credit card benefits and featuresApplyApply for Citi Cashback Credit Card credit card
ADCB 365 Cashback Credit Card Design

ABU DHABI COMMERCIAL BANK (ADCB)

ADCB 365 Cashback Credit Card

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

ExploreLearn more about ADCB 365 Cashback Credit Card credit card benefits and featuresApplyApply for ADCB 365 Cashback Credit Card credit card
ADCB Islamic Emirati Credit Card Design

ABU DHABI COMMERCIAL BANK (ADCB)

ADCB Islamic Emirati Credit Card

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

ExploreLearn more about ADCB Islamic Emirati Credit Card credit card benefits and featuresApplyApply for ADCB Islamic Emirati Credit Card credit card
Deem Platinum Mastercard Design

DEEM

Deem Platinum Mastercard

Salary: AED 10,000+

No Annual Fee

30% off on Udemy

Debt Consolidation Option

Spend AED 100 for AED 100,000 weekly draw.

ExploreLearn more about Deem Platinum Mastercard credit card benefits and featuresApplyApply for Deem Platinum Mastercard credit card
Ajman Bank LIFE Platinum Credit Card Design

AJMAN BANK

Ajman Bank LIFE Platinum Credit Card

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

ExploreLearn more about Ajman Bank LIFE Platinum Credit Card credit card benefits and featuresApplyApply for Ajman Bank LIFE Platinum Credit Card credit card
Ajman Bank LIFE World Credit Card Design

AJMAN BANK

Ajman Bank LIFE World Credit Card

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

ExploreLearn more about Ajman Bank LIFE World Credit Card credit card benefits and featuresApplyApply for Ajman Bank LIFE World Credit Card credit card
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 Diners Club Credit Card Design

EMIRATES NBD

ENBD Diners Club Credit Card

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

ExploreLearn more about ENBD Diners Club 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 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 SHARE Signature Credit Card Design

EMIRATES NBD

ENBD SHARE Signature Credit Card

Salary: AED 12,000+

No Annual Fee

6% cashback with Al Futtaim brands

1% cashback on other spends

Welcome bonus: 5,000 SHARE Points

ExploreLearn more about ENBD SHARE Signature Credit Card credit card benefits and features
Liv Cashback+ Credit Card Design

LIV DIGITAL BANK BY EMIRATES NBD

Liv Cashback+ Credit Card

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

ExploreLearn more about Liv Cashback+ Credit Card credit card benefits and features
Tamayaz World Credit Card Design

LIV DIGITAL BANK BY EMIRATES NBD

Tamayaz World Credit Card

Salary: AED 15,000+

Annual Fee: AED 735

Welcome Bonus: AED 1,000 equivalent

10% cashback at Union Coop

3% cashback on international spends

ExploreLearn more about Tamayaz World Credit Card credit card benefits and features
RAKislamic Watani Credit Card Design

RAKBANK

RAKislamic Watani Credit Card

Salary: AED 15,000+

No Annual Fee First Year

Exclusive for UAE nationals

50,000 RAKrewards Bonus

100% Cashback on Salik + DARB

ExploreLearn more about RAKislamic Watani Credit Card credit card benefits and featuresApplyApply for RAKislamic Watani Credit Card credit card
Mawarid World Elite Credit Card Design

MAWARID FALAK TAYYEB FINANCE

Mawarid World Elite Credit Card

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)

ExploreLearn more about Mawarid World Elite Credit Card credit card benefits and featuresApplyApply for Mawarid World Elite Credit Card credit card
Mawarid World Credit Card Design

MAWARID FALAK TAYYEB FINANCE

Mawarid World Credit Card

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)

ExploreLearn more about Mawarid World Credit Card credit card benefits and featuresApplyApply for Mawarid World Credit Card credit card
Mawarid Platinum Credit Card Design

MAWARID FALAK TAYYEB FINANCE

Mawarid Platinum Credit Card

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)

ExploreLearn more about Mawarid Platinum Credit Card credit card benefits and featuresApplyApply for Mawarid Platinum 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
RAKBANK World Credit Card Design

RAKBANK

RAKBANK World Credit Card

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

ExploreLearn more about RAKBANK World Credit Card credit card benefits and featuresApplyApply for RAKBANK World Credit Card credit card
RAKislamic World Credit Card Design

RAKBANK

RAKislamic World Credit Card

Salary: AED 20,000+

No Annual Fee

RAKrewards on Every Spend

Cash Advance: Up to 80% of the credit limit

Free Supplementary Card

ExploreLearn more about RAKislamic World Credit Card credit card benefits and featuresApplyApply for RAKislamic World 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 Restaurants 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.