Best Rewards Points Credit Cards for AED 20,000+ Salary
Compare and explore rewards points credit cards in the UAE for AED 20,000+ salary requirements.
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November 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
46 cards in the UAE
TABBY
Tabby Card
- Use anywhere Visa is accepted in the UAE; personal credit limit varies
- Monthly Fee: up to AED 59
- 5% cashback on selected categories with Plus
- Up to 40 days to pay in full; optional payment plans
- Additional cashback with selected partners
FIRST ABU DHABI BANK (FAB)
FAB Du Titanium Credit Card
- Salary: AED 5,000+
- No Annual Fee
- du spending rewards
- du data rewards
- 0% du payment plans
FIRST ABU DHABI BANK (FAB)
FAB SHARE Platinum Credit Card
- Salary: AED 5,000+
- No Annual Fee
- 4% at malls & Carrefour
- 1% international
- 2-for-1 VOX monthly
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
EMIRATES ISLAMIC
IslamicEmirates Islamic Flex Credit Card
- 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
RAKBANK
IslamicRakbank Islamic Platinum Credit Card
- Salary: AED 5,000+
- No Annual Fee
- Earn RAKrewards
- Travel Takaful
- Purchase protection
EMIRATES NBD
ENBD Go4it Gold Credit Card
- Salary: AED 5,000+
- AED 103.95 annual fee
- 5 points per AED 400 weekend spend
- Use Card as Nol Card.
- Free Rides on Dubai Ferry
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 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
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
FIRST ABU DHABI BANK (FAB)
FAB Rewards Active Credit Card
- 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)
EMIRATES NBD
ENBD Darna Select Visa Credit Card
- 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
ENBD SHARE Platinum Credit Card
- Salary: AED 5,000+
- No Annual Fee
- 4% back at Majid Al Futtaim
- 0.75% cashback on other spends
- Buy 1 get 1 at VOX Cinemas
FIRST ABU DHABI BANK (FAB)
FAB Z Credit Card
- 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)
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)
IslamicMarriott 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)
IslamicMarriott 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)
IslamicADIB 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)
IslamicADIB 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
FIRST ABU DHABI BANK (FAB)
FAB ADNOC Rewards Credit Card
- 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
AL MASRAF
Al Masraf Platinum Credit Card
- Salary: AED 5,000+
- Annual Fee: AED 157.50
- Al Masraf Points, no cap
- 4 lounge visits/year
- booking.com, Talabat & Trip.com offers
FIRST ABU DHABI BANK (FAB)
FAB Blue Platinum Credit Card
- Salary: AED 8,000+
- No Annual Fee
- 5% Cashback on Al-Futtaim Brands
- 1% FAB Rewards Cashback
- 0% Interest Plans
CITIBANK
Citi Rewards Credit Card
- Salary: AED 8,000+
- No Annual Fee for the first year
- Annual fee waived after AED 9,000 yearly spend
- 1.5 Points on grocery and non-AED spends
- 1 Point on local spends
AAFAQ ISLAMIC FINANCE
IslamicAafaq Platinum Credit Card
- Salary: AED 8,000+
- Annual Fee: Free
- Marhaba meet & greet
- Balance Transfer, Finance on Phone & EPP
COMMERCIAL BANK INTERNATIONAL
CBI Rewards Platinum Credit Card
- Salary: AED 8,000+
- No annual fee
- CBI Rewards points
- Cinema & streaming cashback
EMIRATES NBD
ENBD U By Emaar Signature Credit Card
- 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
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
IslamicEmirates Islamic Skywards Signature Credit Card
- Salary: AED 12,000+
- Annual Fee: AED 735
- Up to 1.5 Skywards Miles per USD spent
- 1 complimentary airport lounge visit yearly, with a guest
- 1 complimentary valet parking monthly
EMIRATES ISLAMIC
IslamicEmirates Islamic Skywards Infinite Credit Card
- Salary: AED 12,000+
- Up to 2 Skywards Miles per USD spent
- 2 complimentary airport lounge visits yearly, with a guest
- Automatic Skywards Silver Membership Upgrade
EMIRATES ISLAMIC
IslamicEmirates Islamic Skywards Black Credit Card
- Salary: AED 12,000+
- Annual Fee: AED 5,775
- 3.5 Skywards miles/USD
- Fast-track to Skywards Gold
- 4 airport transfers/year
EMIRATES ISLAMIC
IslamicEmirates Islamic Emarati Credit Card
- Salary: AED 12,000+
- No Annual Fee
- Exclusive for UAE nationals
- Welcome Bonus: AED 1,000 cashback
- Up to 3.75 EI SmartMiles per AED 1
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
FIRST ABU DHABI BANK (FAB)
IslamicFAB Emirati Islamic Credit Card
- Salary: AED 15,000+
- Annual Fee: AED 630
- Exclusive for UAE nationals
- Up to 15 FAB Rewards per AED spent
- Free valet parking 5 times a month across the UAE
FIRST ABU DHABI BANK (FAB)
FAB Blue Signature Credit Card
- Salary: AED 15,000+
- No Annual Fee
- 6% Cashback on Al-Futtaim Brands
- 1% FAB Rewards Cashback
- 0% Interest Plans & Balance Transfers
3.8/5
EMIRATES ISLAMIC
IslamicEmirates Islamic Flex Elite Credit Card
- Salary: AED 15,000+
- Annual Fee: AED 735
- EI SmartMiles welcome offer
- 3.75% cashback on international spend
- Unlimited rounds of golf
COMMERCIAL BANK OF DUBAI (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
CITIBANK
Citi Premier Credit Card
- Salary: AED 15,000+
- Annual Fee: AED 787.50
- Direct Citi applicants: AED 750 credit after AED 10,000 spend
- 3 ThankYou Points per USD on dining, fuel and grocery
- 2 ThankYou Points per USD on other international spend
AL MASRAF
Al Masraf World Credit Card
- Salary: AED 15,000+
- Annual Fee: AED 525
- Al Masraf Points, no cap
- 8 lounge visits/year
- Travel insurance & supplementary cards
DUBAI ISLAMIC BANK
IslamicDIB SHAMS Infinite Credit Card
- Salary: AED 20,000+
- First year fee-free
- 10 points/AED dining + travel
- 31 Fitness First visits/month
- 4 airport transfers/year
FIRST ABU DHABI BANK (FAB)
FAB Travel Credit Card
- Salary: AED 20,000+
- Annual Fee: AED 1,575
- Flight voucher after AED 300,000 spend
- 12% cashback on flights and hotel bookings
- No FX fees
EMIRATES ISLAMIC
IslamicEmirates Islamic Etihad Guest Premium Credit Card
- Salary: AED 20,000+
- Annual Fee: AED 2,625
- 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
RAKBANK
IslamicRakbank Islamic 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
COMMERCIAL BANK INTERNATIONAL
CBI Rewards World Credit Card
- Salary: AED 20,000+
- Annual Fee: AED 840
- Up to 2.5 CBI Rewards points/AED
- Cinema & streaming cashback
- Travel insurance
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 5,000–20,000 |
| 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.
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 Rewards Points Credit Cards for AED 20,000+ Salary in the UAE
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