Best Credit Cards in the UAE for AED 25,000 Salary
The AED 25,000 salary tier unlocks dedicated travel rewards cards, hotel co-brands with automatic elite status, and premium lifestyle cards with unlimited lounge access.
See cardsLast updated: - Updated monthly using latest public card terms and salary requirements.
At this level, cardholders can pair a travel-specific card with a lifestyle card to maximise rewards across both airline spend and day-to-day purchases.
FIRST ABU DHABI BANK (FAB)
FAB Travel Credit Card
≈ AED 22,844 potential value / year · incl. perks
Free flight each year to over 15 destinations
12% cashback on flights and hotel bookings
No FX fees
EMIRATES NBD
ENBD Marriott Bonvoy World Elite
≈ AED 26,829 potential value / year · incl. perks · incl. welcome bonus
Welcome Bonus: Up to 150,000 Points
6 points per US$1 at Marriott hotels
Gold Elite Status with Marriott
INVEST BANK
Invest Bank World Credit Card
≈ AED 11,656 potential value / year · incl. perks
Flat 3% cashback on all spends (up to AED 1,500/month)
Complimentary Airport Transfers with Careem
Complimentary 1 GB of data roaming with Flexiroam once a year
Best Credit Cards in the UAE for AED 25,000 Salary compared
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 1,575 | AED 25,000 | 12% cashback on flights and hotels, free annual return flight, no FX fees, from AED 25,000 |
 | AED 1,575 | AED 25,000 | Up to 12 Voyager Miles per AED on the ENBD Travel Portal, 150,000-Mile welcome bonus, fast-track and lounge access, from AED 25,000 |
| AED 1,575 | AED 25,000 | 6 Marriott Bonvoy points per USD, Gold Elite Status, 150,000 welcome points, from AED 25,000 |
| AED 1,575 | AED 25,000 | 3% flat cashback on all spend (up to AED 1,500/month), 1,000+ lounges via Mastercard Travel Pass, from AED 25,000 |
 | AED 1,575 | AED 25,000 | Mashreq's flagship card with concierge, lounge access, and premium lifestyle benefits, from AED 25,000 |
 | AED 1,575 | AED 20,000 | 14 Mastercard Travel Pass visits with one guest, travel cover, and 10% cashback on flights and hotels |
 | AED 735 (waivable) | AED 15,000 | Islamic Visa Infinite, unlimited golf, lounge access, 3.75% international cashback, from AED 15,000 |
 | AED 525 | AED 25,000 | Deem World Mastercard with broad lifestyle and travel perks, from AED 25,000 |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 1,575 | AED 25,000 | 12% cashback on flights and hotels, free annual return flight, no FX fees, from AED 25,000 |
| AED 1,575 | AED 25,000 | Up to 12 Voyager Miles per AED on the ENBD Travel Portal, 150,000-Mile welcome bonus, fast-track and lounge access, from AED 25,000 |
| AED 1,575 | AED 25,000 | 6 Marriott Bonvoy points per USD, Gold Elite Status, 150,000 welcome points, from AED 25,000 |
| AED 1,575 | AED 25,000 | 3% flat cashback on all spend (up to AED 1,500/month), 1,000+ lounges via Mastercard Travel Pass, from AED 25,000 |
| AED 1,575 | AED 25,000 | Mashreq's flagship card with concierge, lounge access, and premium lifestyle benefits, from AED 25,000 |
| AED 1,575 | AED 20,000 | 14 Mastercard Travel Pass visits with one guest, travel cover, and 10% cashback on flights and hotels |
| AED 735 (waivable) | AED 15,000 | Islamic Visa Infinite, unlimited golf, lounge access, 3.75% international cashback, from AED 15,000 |
| AED 525 | AED 25,000 | Deem World Mastercard with broad lifestyle and travel perks, from AED 25,000 |
FAB Travel Credit Card
Annual feeAED 1,575
Min. salaryAED 25,000
Highlight12% cashback on flights and hotels, free annual return flight, no FX fees, from AED 25,000
ENBD Voyager World Elite Credit Card
Annual feeAED 1,575
Min. salaryAED 25,000
HighlightUp to 12 Voyager Miles per AED on the ENBD Travel Portal, 150,000-Mile welcome bonus, fast-track and lounge access, from AED 25,000
ENBD Marriott Bonvoy World Elite
Annual feeAED 1,575
Min. salaryAED 25,000
Highlight6 Marriott Bonvoy points per USD, Gold Elite Status, 150,000 welcome points, from AED 25,000
Invest Bank World Credit Card
Annual feeAED 1,575
Min. salaryAED 25,000
Highlight3% flat cashback on all spend (up to AED 1,500/month), 1,000+ lounges via Mastercard Travel Pass, from AED 25,000
Mashreq Solitaire Credit Card
Annual feeAED 1,575
Min. salaryAED 25,000
HighlightMashreq's flagship card with concierge, lounge access, and premium lifestyle benefits, from AED 25,000
ADCB Traveller Credit Card
Annual feeAED 1,575
Min. salaryAED 20,000
Highlight14 Mastercard Travel Pass visits with one guest, travel cover, and 10% cashback on flights and hotels
Emirates Islamic Flex Elite Credit Card
Annual feeAED 735 (waivable)
Min. salaryAED 15,000
HighlightIslamic Visa Infinite, unlimited golf, lounge access, 3.75% international cashback, from AED 15,000
Deem World Mastercard
Annual feeAED 525
Min. salaryAED 25,000
HighlightDeem World Mastercard with broad lifestyle and travel perks, from AED 25,000
August 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
- 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
3.9/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles after AED 35,000 spend
- No Annual Fee
- 6 Voyager Miles on every AED spent on Voyager Travel Portal
- 3 Voyager Miles on every AED spent on other travel bookings
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles after AED 70,000 spend
- No Annual Fee for the first year
- 12 Voyager Miles on every AED spent on Voyager Travel Portal
- 6 Voyager Miles on every AED spent on other travel bookings
8 cards in the UAE
FIRST ABU DHABI BANK (FAB)
FAB Travel Credit Card
- Salary: AED 25,000+
- Annual Fee: AED 1,575
- Free flight each year to over 15 destinations
- 12% cashback on flights and hotel bookings
- No FX fees
EMIRATES NBD
ENBD Marriott Bonvoy World Elite
- Salary: AED 25,000+
- Annual Fee: AED 1,575
- Welcome Bonus: Up to 150,000 Points
- 6 points per US$1 at Marriott hotels
- Gold Elite Status with Marriott
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles after AED 70,000 spend
- No Annual Fee for the first year
- 12 Voyager Miles on every AED spent on Voyager Travel Portal
- 6 Voyager Miles on every AED spent on other travel bookings
MASHREQ BANK
Mashreq Solitaire Credit Card
- Salary: AED 25,000+
- Annual Fee AED 1,500 +5% VAT
- Welcome Bonus: AED 2,500
- 6 points per AED on international purchases
- Unlimited Fitness First Visits
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
DEEM
Deem World Mastercard
- Salary: AED 25,000+
- AED 525/year, free year one
- 1,000+ lounges worldwide
- 5 Joy Points/AED in chosen mode
- AED 250,000 draw every 6 months
INVEST BANK
Invest Bank World Credit Card
- Salary: AED 25,000+
- Annual Fee: AED 1,575
- Flat 3% cashback on all spends (up to AED 1,500/month)
- Complimentary Airport Transfers with Careem
- Complimentary 1 GB of data roaming with Flexiroam once a year
3.9/5
EMIRATES ISLAMIC
Emirates 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
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 15,000–25,000 |
| Employment | Salaried employees; some cards require salary transfer to the issuing bank |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | AECB credit score checked; premium cards require a clean credit history |
| Minimum age | 21 years |
| Monthly salary | AED 15,000–25,000 |
| Employment | Salaried employees; some cards require salary transfer to the issuing bank |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | AECB credit score checked; premium cards require a clean credit history |
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 Credit Cards in the UAE for AED 25,000 Salary
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