Best Credit Cards for noon at AED 25,000 Salary in the UAE
Compare credit cards earning rewards on noon at AED 25,000 salary.
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Options include dedicated noon co-brands plus higher-tier cashback cards with strong online earn rates (SIB 10% online, EI Cashback Plus).
Best dedicated noon card
EMIRATES NBD
ENBD noon One Visa Credit Card
≈ AED 24,776 potential value / year · incl. perks · incl. welcome bonus
4.1/5
AED 500 bonus on AED 5,000
20% back in credits on noon Food
5% back in credits on noon
Best online-spend card
SHARJAH ISLAMIC BANK
SIB Cashback Credit Card
≈ AED 8,916 potential value / year · incl. perks
3.8/5
10% Cashback on online and digital wallet spends
2% Cashback on international spends
1% Cashback on domestic retail spends
Best premium pairing
EMIRATES ISLAMIC
Emirates Islamic Cashback Plus Credit Card
≈ AED 10,990 potential value / year · incl. perks
Up to 10% cashback on groceries, education, dining, telecom
Unlimited airport lounge access
2 rounds of complimentary golf per month
Best Credit Cards for noon at AED 25,000 Salary in the UAE compared
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
 | Free | AED 5,000 | 20% back as noon credits on noon food, 5% on noon — still the highest dedicated noon rate at any salary tier |
 | Free | AED 5,000 | 5% back as noon credits across the Noon ecosystem, plus free Noon Express delivery |
 | AED 199 (waivable) | AED 8,000 | 10% cashback on online and digital-wallet spends — strongest UAE rate for noon and other e-commerce |
 | AED 313.95 | AED 12,000 | Up to 10% on multiple categories including online, plus unlimited complimentary airport lounge access |
 | AED 105 | AED 5,000 | Free Noon One and Careem Plus memberships for the first year, plus 0% FX abroad |
 | Free | AED 5,000 | Free-for-life with up to 2% cashback on all spend including noon — Skywards Miles conversion available |
 | AED 588 (waivable) | AED 5,000 | 2% on eligible noon spend; Salary, Family, or Plus plan required |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| Free | AED 5,000 | 20% back as noon credits on noon food, 5% on noon — still the highest dedicated noon rate at any salary tier |
| Free | AED 5,000 | 5% back as noon credits across the Noon ecosystem, plus free Noon Express delivery |
| AED 199 (waivable) | AED 8,000 | 10% cashback on online and digital-wallet spends — strongest UAE rate for noon and other e-commerce |
| AED 313.95 | AED 12,000 | Up to 10% on multiple categories including online, plus unlimited complimentary airport lounge access |
| AED 105 | AED 5,000 | Free Noon One and Careem Plus memberships for the first year, plus 0% FX abroad |
| Free | AED 5,000 | Free-for-life with up to 2% cashback on all spend including noon — Skywards Miles conversion available |
| AED 588 (waivable) | AED 5,000 | 2% on eligible noon spend; Salary, Family, or Plus plan required |
ENBD noon One Visa Credit Card
Annual feeFree
Min. salaryAED 5,000
Highlight20% back as noon credits on noon food, 5% on noon — still the highest dedicated noon rate at any salary tier
Mashreq Noon Credit Card
Annual feeFree
Min. salaryAED 5,000
Highlight5% back as noon credits across the Noon ecosystem, plus free Noon Express delivery
SIB Cashback Credit Card
Annual feeAED 199 (waivable)
Min. salaryAED 8,000
Highlight10% cashback on online and digital-wallet spends — strongest UAE rate for noon and other e-commerce
Emirates Islamic Cashback Plus Credit Card
Annual feeAED 313.95
Min. salaryAED 12,000
HighlightUp to 10% on multiple categories including online, plus unlimited complimentary airport lounge access
FAB Z Credit Card
Annual feeAED 105
Min. salaryAED 5,000
HighlightFree Noon One and Careem Plus memberships for the first year, plus 0% FX abroad
Liv Cashback Credit Card
Annual feeFree
Min. salaryAED 5,000
HighlightFree-for-life with up to 2% cashback on all spend including noon — Skywards Miles conversion available
Wio Credit Card
Annual feeAED 588 (waivable)
Min. salaryAED 5,000
Highlight2% on eligible noon spend; Salary, Family, or Plus plan required
September 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
Why choose Noon AED 25,000+
1.
AED 25K unlocks SIB and EI Cashback Plus
Crossing AED 8,000 salary unlocks SIB Cashback (10% on online and digital-wallet spend) and crossing AED 12,000 unlocks Emirates Islamic Cashback Plus (10% on multiple categories with lounges). Both significantly increase your effective noon rate if your spend is broadly online — not just noon-specific.
2.
Dedicated noon cards still win on noon food
ENBD Noon One's 20% on noon food converts directly to noon credits — no general-purpose card matches that rate. If noon food is a meaningful share of your monthly spend, ENBD Noon One stays the best primary card regardless of salary tier.
3.
Pair a noon card with a premium cashback card
The strongest AED 25K setup is usually two cards: ENBD Noon One (or Mashreq Noon) for noon-specific spend, plus SIB Cashback (10% online) or EI Cashback Plus (multi-category) for everywhere else. Both cards together typically beat any single premium pick on net annual value.
Find your match
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Answer a few quick questions and we'll match you to your best-fit UAE credit card — then help you check you qualify before you apply.
7 cards in the UAE
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
MASHREQ BANK
Mashreq Noon Credit Card
- Salary: AED 5,000+
- No Annual Fee
- Welcome Bonus: AED 500
- Free Delivery on Noon Express
- Up to 5% cashback on noon purchases
3.8/5
SHARJAH ISLAMIC BANK
SIB Cashback Credit Card
- Salary: AED 8,000+
- No Annual Fee for the First Year
- 10% Cashback on online and digital wallet spends
- 2% Cashback on international spends
- 1% Cashback on domestic retail spends
EMIRATES ISLAMIC
Emirates Islamic Cashback Plus Credit Card
- Salary: AED 12,000+
- Annual Fee: AED 313.95
- Up to 10% cashback on groceries, education, dining, telecom
- Unlimited airport lounge access
- 2 rounds of complimentary golf per month
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
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback Credit Card
- Salary: AED 5,000+
- Free for life
- Up to 2% Cashback on all spends
- Cashback or Skywards Miles
- 2 VOX B1G1 offers + 25% off F&B from AED 40
WIO BANK
Wio Credit Card
- Salary: AED 5,000+
- No Annual Fee with Wio Plan
- 2% Cashback on most spends
- 0.5% on card bills
- Up to AED 2,500/month
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 5,000–12,000 |
| 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 5,000–12,000 |
| 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 Credit Cards for noon at AED 25,000 Salary in the UAE
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