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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 Credit Cards for noon at AED 25,000 Salary in the UAE

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 — dedicated noon co-brands plus higher-tier cashback cards with strong online earn rates (SIB 10% online, EI Cashback Plus).

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ENBD noon One Visa Credit Card Design

EMIRATES NBD

ENBD noon One Visa Credit Card

≈ AED 24,776 potential value / year · incl. perks · incl. welcome bonus
4.1/5

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
SIB Cashback Credit Card Design

SHARJAH ISLAMIC BANK

SIB Cashback Credit Card

≈ AED 10,816 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

ExploreLearn more about SIB Cashback Credit Card credit card benefits and features
Emirates Islamic Cashback Plus Credit Card Design

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

ExploreLearn more about Emirates Islamic Cashback Plus Credit Card credit card benefits and features

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.

CardAnnual feeMin. salaryWhy it stands out
ENBD noon One Visa Credit Card
ENBD noon One Visa Credit Card
FreeAED 5,000+20% back as noon credits on noon food, 5% on noon — still the highest dedicated noon rate at any salary tier
Mashreq Noon Credit Card
Mashreq Noon Credit Card
FreeAED 5,000+5% back as noon credits across the Noon ecosystem, plus free Noon Express delivery
SIB Cashback Credit Card
SIB Cashback Credit Card
Free first yearAED 8,000+10% cashback on online and digital-wallet spends — strongest UAE rate for noon and other e-commerce
Emirates Islamic Cashback Plus Credit Card
Emirates Islamic Cashback Plus Credit Card
AED 299AED 12,000+Up to 10% on multiple categories including online, plus unlimited complimentary airport lounge access
FAB Z Credit Card
FAB Z Credit Card
Free first yearAED 5,000+Free Noon One and Careem Plus memberships for the first year, plus 0% FX abroad
Liv Cashback Credit Card
Liv Cashback Credit Card
FreeAED 5,000+Free-for-life with up to 2% cashback on all spend including noon — Skywards Miles conversion available
Wio Credit Card
Wio Credit Card
No separate card feeAED 5,000+2% on eligible noon spend; Salary, Family, or Plus plan required
CardAnnual feeMin. salaryWhy it stands out
ENBD noon One Visa Credit Card
ENBD noon One Visa Credit Card
FreeAED 5,000+20% back as noon credits on noon food, 5% on noon — still the highest dedicated noon rate at any salary tier
Mashreq Noon Credit Card
Mashreq Noon Credit Card
FreeAED 5,000+5% back as noon credits across the Noon ecosystem, plus free Noon Express delivery
SIB Cashback Credit Card
SIB Cashback Credit Card
Free first yearAED 8,000+10% cashback on online and digital-wallet spends — strongest UAE rate for noon and other e-commerce
Emirates Islamic Cashback Plus Credit Card
Emirates Islamic Cashback Plus Credit Card
AED 299AED 12,000+Up to 10% on multiple categories including online, plus unlimited complimentary airport lounge access
FAB Z Credit Card
FAB Z Credit Card
Free first yearAED 5,000+Free Noon One and Careem Plus memberships for the first year, plus 0% FX abroad
Liv Cashback Credit Card
Liv Cashback Credit Card
FreeAED 5,000+Free-for-life with up to 2% cashback on all spend including noon — Skywards Miles conversion available
Wio Credit Card
Wio Credit Card
No separate card feeAED 5,000+2% on eligible noon spend; Salary, Family, or Plus plan required
ENBD noon One Visa Credit Card

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

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

SIB Cashback Credit Card

Annual feeFree first year
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

Emirates Islamic Cashback Plus Credit Card

Annual feeAED 299
Min. salaryAED 12,000+
HighlightUp to 10% on multiple categories including online, plus unlimited complimentary airport lounge access
FAB Z Credit Card

FAB Z Credit Card

Annual feeFree first year
Min. salaryAED 5,000+
HighlightFree Noon One and Careem Plus memberships for the first year, plus 0% FX abroad
Liv Cashback Credit Card

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

Wio Credit Card

Annual feeNo separate card fee
Min. salaryAED 5,000+
Highlight2% on eligible noon spend; Salary, Family, or Plus plan required

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.

See all
ENBD noon One Visa Credit Card Design
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
ExploreLearn more about ENBD noon One Visa Credit Card credit card benefits and features
ENBD Voyager World Credit Card Design
EXCLUSIVE OFFER
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
ExploreLearn more about ENBD Voyager World Credit Card credit card benefits and features
ENBD Voyager World Elite Credit Card Design
EXCLUSIVE OFFER

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
ExploreLearn more about ENBD Voyager World Elite Credit Card credit card benefits and features

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.

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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.

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7 cards in the UAE

ENBD noon One Visa Credit Card Design
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
ExploreLearn more about ENBD noon One Visa Credit Card credit card benefits and features
Mashreq Noon Credit Card Design
LIMITED OFFER

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
ExploreLearn more about Mashreq Noon Credit Card credit card benefits and features
SIB Cashback Credit Card Design
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
ExploreLearn more about SIB Cashback 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 313.95
  • 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 features
FAB Z Credit Card Design

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
ExploreLearn more about FAB Z 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
  • Cashback or Skywards 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
Wio Credit Card Design
LIMITED OFFER

WIO BANK

Wio Credit Card

  • Salary: AED 5,000+
  • No Annual Fee with Wio Plan
  • 2% Cashback on all spends
  • 0.5% Cashback on Other Credit Card Bills
  • Total Cashback up to AED 2,500/month
ExploreLearn more about Wio Credit Card credit card benefits and features

Eligibility criteria

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

Minimum age21 years
Monthly salaryAED 5,000–12,000
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 5,000–12,000
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)
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

Not specifically for noon — ENBD Noon One and Mashreq Noon are the dedicated noon co-brands and both qualify at AED 5,000 (or lower). What AED 25K unlocks is the supporting cast: SIB Cashback at AED 8K (10% online catches all noon purchases) and EI Cashback Plus at AED 12K (10% on multiple categories plus lounge access). Pairing these with a noon card improves the overall setup.

Still ENBD Noon One for noon-specific spend — 20% back on noon food converts directly to noon credits. Pair it with SIB Cashback (10% online) for non-noon online spend and EI Cashback Plus (10% on groceries + lounges) for everyday spend. The three-card setup beats any single card on net annual return.

Usually yes. AED 299 buys up to 10% cashback on groceries, education, dining, and telecom — plus unlimited complimentary airport lounge access. The lounge access alone (Priority Pass Prestige tier costs ~USD 469 standalone) usually clears the fee for any traveler.

FAB Z is positioned as an entry-tier card at AED 5K salary. At AED 25K you can do better on cashback rate, but the bundled Free Noon One and Careem Plus memberships in year one plus 0% FX abroad can still make it a useful secondary card if you'd otherwise pay for those services separately.

Yes. noon credits earned via credit card are credited to your noon wallet and stack with noon's promotional discounts and loyalty programmes. Always check the specific terms on the noon site at checkout — the stacking rules can change.

Compare head-to-head

Liv Cashback Credit Card
vs
ENBD noon One Visa Credit Card

Liv Cashback vs ENBD noon One Credit Card

ENBD noon One Visa Credit Card
vs
Mashreq Noon Credit Card

ENBD noon One vs Mashreq noon Credit Card

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