Best Credit Cards in the UAE for AED 30,000+ Salary
AED 30,000 marks the Infinite tier.
See cardsLast updated: - Sourced from official issuer documents and product pages.
It unlocks the most powerful cards available to UAE retail banking customers. This salary threshold unlocks unlimited airline miles earn with no monthly caps, hotel programs with complimentary night benefits, premium concierge services, and access to exclusive travel privileges. Airport transfers, comprehensive travel insurance, and priority services are standard at this level.
Best for Emirates fliers
EMIRATES NBD
ENBD Skywards Infinite Credit Card
≈ AED 11,651 potential value / year · incl. perks
Annual Fee: AED 1,575
Bonus: Up to 100,000 Skywards Miles
Complimentary Emirates Skywards Silver membership
Best for Etihad fliers
FIRST ABU DHABI BANK (FAB)
FAB Etihad Guest Infinite Credit Card
≈ AED 14,485 potential value / year · incl. perks · incl. welcome bonus
Bonus: Up to 200,000 Etihad Guest Miles
7.5 Etihad Miles per AED 10 spent
Fast track to Etihad Gold membership.
Best for hotel stays
CITIBANK
Citi Prestige Credit Card
≈ AED 15,921 potential value / year · incl. perks
10,000 bonus points annually post payment of annual fee
3 Points on non-AED spends
2 Points on local spends
14 lounge visits/year
4 Careem airport rides/year
Best for UAE-national Emaar spend
EMIRATES NBD
ENBD U By Emaar Visa Infinite Emirati Credit Card
≈ AED 31,402 potential value / year · incl. perks · incl. welcome bonus
UAE Nationals only
Up to 25,000 welcome UPoints
7.5% value back at Emaar
Best Credit Cards in the UAE for AED 30,000+ 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 30,000 | Unlimited Skywards miles, premium Emirates lounge, full travel stack, from AED 30,000 |
 | AED 2,625 | AED 30,000 | Max Etihad miles earn, airport transfers, lounge access, from AED 30,000 |
 | AED 1,575 | AED 30,000 | 4th night free at hotels, ThankYou Rewards, lounge access, from AED 30,000 |
 | AED 735 (waivable) | AED 21,250 | 12 Priority Pass visits for the primary cardmember and 8 for one supplementary member, from AED 21,250 |
 | 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 30,000 | Etihad Guest miles from ENBD, elevated earn rate, travel benefits, from AED 30,000 |
 | AED 617.40 (waivable) | AED 35,000 | RAKBANK premium lifestyle and travel card with comprehensive perks, from AED 35,000 |
 | AED 1,575 | AED 30,000 | ENBD Visa Infinite, premium lifestyle and travel benefits, golf access, from AED 30,000 |
 | AED 1,575 | AED 30,000 | UAE Nationals only, first year free, 7.5% Emaar value, up to 25,000 welcome UPoints, from AED 30,000 |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 1,575 | AED 30,000 | Unlimited Skywards miles, premium Emirates lounge, full travel stack, from AED 30,000 |
| AED 2,625 | AED 30,000 | Max Etihad miles earn, airport transfers, lounge access, from AED 30,000 |
| AED 1,575 | AED 30,000 | 4th night free at hotels, ThankYou Rewards, lounge access, from AED 30,000 |
| AED 735 (waivable) | AED 21,250 | 12 Priority Pass visits for the primary cardmember and 8 for one supplementary member, from AED 21,250 |
| 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 30,000 | Etihad Guest miles from ENBD, elevated earn rate, travel benefits, from AED 30,000 |
| AED 617.40 (waivable) | AED 35,000 | RAKBANK premium lifestyle and travel card with comprehensive perks, from AED 35,000 |
| AED 1,575 | AED 30,000 | ENBD Visa Infinite, premium lifestyle and travel benefits, golf access, from AED 30,000 |
| AED 1,575 | AED 30,000 | UAE Nationals only, first year free, 7.5% Emaar value, up to 25,000 welcome UPoints, from AED 30,000 |
ENBD Skywards Infinite Credit Card
Annual feeAED 1,575
Min. salaryAED 30,000
HighlightUnlimited Skywards miles, premium Emirates lounge, full travel stack, from AED 30,000
FAB Etihad Guest Infinite Credit Card
Annual feeAED 2,625
Min. salaryAED 30,000
HighlightMax Etihad miles earn, airport transfers, lounge access, from AED 30,000
Citi Prestige Credit Card
Annual feeAED 1,575
Min. salaryAED 30,000
Highlight4th night free at hotels, ThankYou Rewards, lounge access, from AED 30,000
The American Express Platinum Credit Card
Annual feeAED 735 (waivable)
Min. salaryAED 21,250
Highlight12 Priority Pass visits for the primary cardmember and 8 for one supplementary member, from AED 21,250
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
ENBD Etihad Guest Visa Elevate Credit Card
Annual feeAED 1,575
Min. salaryAED 30,000
HighlightEtihad Guest miles from ENBD, elevated earn rate, travel benefits, from AED 30,000
RAKBANK Elevate Credit Card
Annual feeAED 617.40 (waivable)
Min. salaryAED 35,000
HighlightRAKBANK premium lifestyle and travel card with comprehensive perks, from AED 35,000
ENBD Visa Infinite Credit Card
Annual feeAED 1,575
Min. salaryAED 30,000
HighlightENBD Visa Infinite, premium lifestyle and travel benefits, golf access, from AED 30,000
ENBD U By Emaar Visa Infinite Emirati Credit Card
Annual feeAED 1,575
Min. salaryAED 30,000
HighlightUAE Nationals only, first year free, 7.5% Emaar value, up to 25,000 welcome UPoints, from AED 30,000
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
9 cards in the UAE
EMIRATES NBD
ENBD Skywards Infinite Credit Card
- Salary: AED 30,000+
- Joining Fee: AED 3,148.95
- Annual Fee: AED 1,575
- Bonus: Up to 100,000 Skywards Miles
- Complimentary Emirates Skywards Silver membership
FIRST ABU DHABI BANK (FAB)
FAB Etihad Guest Infinite Credit Card
- Salary: AED 30,000+
- Annual Fee: AED 2,625
- Bonus: Up to 200,000 Etihad Guest Miles
- 7.5 Etihad Miles per AED 10 spent
- Fast track to Etihad Gold membership.
CITIBANK
Citi Prestige Credit Card
- Salary: AED 30,000+
- Annual Fee: AED 1,575
- 10,000 bonus points annually post payment of annual fee
- 3 Points on non-AED spends
- 2 Points on local spends
AMERICAN EXPRESS
The American Express Platinum Credit Card
- Salary: AED 21,250+
- Annual Fee: AED 735
- Earn 2 points for every AED 4 spent
- 12 Priority Pass lounge visits per year
- 10% cashback every month, up to AED 600 annually
EMIRATES NBD
ENBD Etihad Guest Visa Elevate Credit Card
- Salary: AED 30,000+
- Joining Fee: AED 2,625
- Annual Fee: AED 1,575
- Welcome Offer: Up to 200,000 Miles
- 10 Miles per AED 10 spend on Etihad
RAKBANK
RAKBANK Elevate Credit Card
- Salary: AED 35,000+
- Tier fee from AED 51.45/month
- Up to 4 RAKrewards/AED
- Up to 3.2% travel value
- Privilege: 0% bank FX fee
EMIRATES NBD
ENBD Visa Infinite Credit Card
- Salary: AED 30,000+
- Annual Fee: AED 1,575
- Up to 2 Points per AED 100 spent
- Unlimited lounge access for self + 1 guest.
- Complimentary Golf Access in the UAE.
EMIRATES NBD
ENBD U By Emaar Visa Infinite Emirati Credit Card
- Salary: AED 30,000+
- First year free
- UAE Nationals only
- Up to 25,000 welcome UPoints
- 7.5% value back at Emaar
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
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 21,250–35,000 |
| Employment | Salaried employees; most Infinite-tier cards require salary transfer or priority banking |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | Excellent AECB credit score required; these cards have the strictest eligibility |
| Minimum age | 21 years |
| Monthly salary | AED 21,250–35,000 |
| Employment | Salaried employees; most Infinite-tier cards require salary transfer or priority banking |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | Excellent AECB credit score required; these cards have the strictest eligibility |
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 30,000+ Salary
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