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Best Welcome bonus Credit Cards for AED 35,000+ Salary
Compare and explore welcome bonus credit cards in the UAE for AED 35,000+ salary requirements. Find the best rewards, cashback offers, and benefits. Apply online instantly with Kredit.
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Emirates NBD
Two free-for-life Emirates NBD credit cards built for everyday UAE spending — the noon One Visa pays up to 20% back as noon Credits on noon Food, and the Share Platinum earns Share Points across grocery, dining, and online retail.
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
EMIRATES NBD
ENBD SHARE Platinum Credit Card
Salary: AED 5,000+
No Annual Fee
4% cashback with Al Futtaim brands
0.75% cashback on other spends
Buy 1 get 1 movie ticket at VOX Cinemas
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MASHREQ BANK
Mashreq Noon Credit Card
No Annual Fee
Welcome Bonus: AED 500
Free Delivery on Noon Express
Up to 5% cashback on noon purchases
Instant Digital Card
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
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Talabat Credit Card
Salary: AED 5,000+
No Annual Fee
Welcome Bonus: AED 500 on spending AED 2,500 in 45 days
35% cashback on talabat orders (as talabat credit)
1.25% cashback on other spends (as talabat credit)
RAKBANK
RAKBANK Air Arabia Platinum Credit Card
Salary: AED 5,000+
Annual Fee: AED 400
20,000 AirRewards Bonus Points
Complimentary Annual Ticket
Free Airport Transfers
MASHREQ BANK
Mashreq Cashback Credit Card
Salary: AED 5,000+
No Annual Fee
AED 500 Welcome Bonus
Unlimited 5% Cashback on dining.
1% Cashback on international spends (non-dining)
EMIRATES ISLAMIC
Emirates Islamic Switch Cashback Credit Card
Salary: AED 5,000+
No Annual Fee for the first year
Welcome Offer: AED 500 Cashback points
Up to 8% cashback on your spends
Switch between Lifestyle or Travel cashback category
CBD
CBD Super Saver Credit Card
Salary: AED 5,000+
No Annual Fee for the first year
Up to 10% Cashback on Bills, Education, Fuel.
50% off Cinema Tickets
Complimentary Hotel Night
CBD
CBD Yes Rewards Credit Card
Salary: AED 5,000+
No Annual Fee for the first Year
20,000 Yes Rewards Welcome Bonus
Save up to 15% on fuel.
50% off cinema tickets
HSBC
HSBC Live+ Credit Card
Salary: AED 5,000+
No Annual Fee for the first year
Welcome Bonus: AED 800 Amazon gift card
6% cashback on dining (up to AED 200)
5% cashback on fuel (up to AED 200)
DEEM
Deem Titanium Mastercard
Salary: AED 5,000+
No Annual Fee First Year
30% off on Udemy
Debt Consolidation Option
Spend AED 100 for AED 100,000 weekly draw.
ABU DHABI ISLAMIC BANK (ADIB)
ADIB SHARE Infinite Credit Card
Salary: AED 5,000+
Annual Fee: AED 999
Welcome bonus: 10,000 SHARE Points
12% back in SHARE Points for the first 3 months
6% back in SHARE Points at Carrefour and Majid Al Futtaim destinations
ABU DHABI ISLAMIC BANK (ADIB)
ADIB SHARE Visa Platinum Card
Salary: AED 5,000+
Annual Fee: AED 199
Welcome bonus: 2,000 SHARE Points
6% back in SHARE Points for the first 3 months
3% back in SHARE Points at Carrefour and Majid Al Futtaim destinations
RUYA COMMUNITY ISLAMIC BANK
Ruya Mastercard Cashback Credit Card
Salary: AED 5,000+
Waived Annual Fee for the first year
2% cashback on all purchases (up to AED 500/month)
Fully digital onboarding
Shari’ah-compliant
MASHREQ BANK
Mashreq Platinum Elite Credit Card
Salary: AED 7,000+
Annual Fee AED 650 + 5% VAT
Welcome Bonus: AED 1,500
8 complimentary Fitness First visits/month
5 points/AED intl, 3 points/dining, 1 point/local
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
FIRST ABU DHABI BANK (FAB)
FAB GEMS World Credit Card
Salary: AED 8,000+
Annual Fee: AED 399
10% cashback on bus, canteen, uniform purchases
20% discount Emaar attractions
2% cashback on spending
CITIBANK
Citi Ready Credit Card
Salary: AED 8,000
No Annual Fee for the First Year
Instant cash advance upon credit limit approval
Up to 6X of your monthly income or up to AED 175,000, whichever is lower
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB 365 Cashback Credit Card
Salary: AED 8,000+
Annual Fee: AED 383.25
6% cashback on dining (including online food orders)
5% cashback on groceries
3% cashback on utilities, telecom, fuel and Salik
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Etihad Guest Platinum Credit Card
Salary: AED 8,000+
Annual Fee: AED 525
Welcome Bonus: 12,000 Etihad Guest Miles
Up to 1.25 Etihad Guest Miles per 1 USD
1,000 Etihad Guest Miles monthly bonus
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB TouchPoints Platinum Credit Card
Salary: AED 8,000+
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
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Shukran Credit Card
Salary: AED 8,000+
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
FIRST ABU DHABI BANK (FAB)
FAB SHARE Signature Credit Card
Salary: AED 10,000+
Annual Fee: AED 525
5,000 bonus SHARE points
6% at malls & Carrefour
2-for-1 VOX 3× monthly
AJMAN BANK
Ajman Bank ULTRACASH Credit Card
Salary: AED 10,000+
Annual Fee: AED 300
Welcome Bonus: up to AED 500
5% cashback on fuel, education, grocery, online shopping
1% cashback on all other spends
AJMAN BANK
Ajman Bank LIFE World Credit Card
Salary: AED 10,000+
Annual Fee: AED 600
Welcome Bonus: AED 1,000 cashback
50% cashback on refreshments & snacks
10% cashback on Amazon, Noon & Careem
EMIRATES NBD
ENBD Skywards Signature Credit Card
Salary: AED 12,000+
Joining Fee: AED 1,573.95
Annual Fee: AED 735
Earn 40,000 bonus Skywards Miles.
1.5 Skywards Miles per USD on Emirates, flydubai
EMIRATES NBD
ENBD Duo Credit Card
Salary: AED 12,000+
Annual Fee: AED 840
5% rewards on grocery, utilities, telecom & fuel
0.5% on other spends
Unlimited airport lounge access worldwide
EMIRATES ISLAMIC
Emirates Islamic Etihad Guest Saqer Credit Card
Salary: AED 12,000+
Annual Fee: AED 899
Welcome Bonus: 30,000 Etihad Guest Miles
Up to 3 Etihad Guest Miles per USD spent
Fast-Track to Etihad Silver Status
EMIRATES ISLAMIC
Emirates Islamic Etihad Guest Ameera Credit Card
Salary: AED 12,000+
Annual Fee: AED 699
Welcome Bonus: 20,000 Etihad Guest Miles
Up to 3 Etihad Guest Miles per USD spent
Fast-Track to Etihad Silver Status
EMIRATES NBD
ENBD Lulu 247 Platinum Credit Card
Salary: AED 12,000+
No Annual Fee
Up to 7% LuLu Points on spends.
Welcome Offer: 500 LuLu Points
Unlimited Lounge Access: 25+ lounges available.
EMIRATES NBD
ENBD Darna Visa Signature Credit Card
Salary: AED 12,000+
Annual Fee: AED 300
Welcome bonus: 3,000 Darna Points on payment of annual fee
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 with Al Futtaim brands
1% cashback on other spends
Welcome bonus: 5,000 SHARE Points
LIV DIGITAL BANK BY EMIRATES NBD
Tamayaz World Credit Card
Salary: AED 15,000+
Annual Fee: AED 735
Welcome Bonus: AED 1,000 equivalent
10% cashback at Union Coop
3% cashback on international spends
FIRST ABU DHABI BANK (FAB)
FAB Etihad Guest Signature Credit Card
Salary: AED 15,000+
Free First Year, AED 1,500 After
Bonus: Up to 100,000 Etihad Miles
5.5 Etihad Miles per AED 10 spent
Fast track to Etihad Silver membership.
EMIRATES ISLAMIC
Emirates Islamic Flex Elite Credit Card
Salary: AED 15,000+
Annual Fee: AED 735
75,000 EI SmartMiles Welcome Bonus
3.75% cashback on international spend
Unlimited rounds of golf
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
RAKBANK
RAKislamic Watani Credit Card
Salary: AED 15,000+
No Annual Fee First Year
Exclusive for UAE nationals
50,000 RAKrewards Bonus
100% Cashback on Salik + DARB
CITIBANK
Citi Premier Credit Card
Salary: AED 15,000+
Annual Fee: AED 750
10,000 bonus points annually post payment of annual fee
3 Points on non-AED spends
2 Points on local spends
DUBAI ISLAMIC BANK
DIB SHAMS Infinite Credit Card
Salary: AED 20,000+
No Annual Fee for the First Year
5% Cashback on Dining and Travel bookings
Complimentary Access to Fitness First
Complimentary Airport Transfers
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
RAKBANK
RAKBANK World Credit Card
Salary: AED 20,000+
No Annual Fee First Year
10% Cashback on Travel & Hotel Spends
10% Cashback on Supermarket Spends
10% Cashback on Dining Spends
EMIRATES NBD
ENBD Dnata World Credit Card
Salary: AED 20,000+
Joining Fee: AED 1,048.95
Annual Fee AED 1,048.95
Welcome Offer: Up to AED 2,500 travel vouchers
Earn 15% dnata Points on dnata spends.
EMIRATES ISLAMIC
Emirates Islamic Etihad Guest Premium Credit Card
Salary: AED 20,000+
Annual Fee: AED 1,500
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
EMIRATES ISLAMIC
Emirates Islamic Skywards Infinite Credit Card
Salary: AED 20,000+
No Annual Fee for the first year
Up to 2 Skywards Miles per USD spent
Unlimited complimentary access to over 1000+ airport lounges
Automatic Skywards Silver Membership Upgrade
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Etihad Guest Signature Credit Card
Salary: AED 20,000+
Annual Fee: AED 1,050
Welcome Bonus: 35,000 Etihad Guest Miles
Up to 2 Etihad Guest Miles per 1 USD
Up to 2 class upgrade vouchers
AAFAQ ISLAMIC FINANCE
Aafaq World Elite Credit Card
Salary: AED 20,000+
Annual Fee: AED 1,050 (first year free)
5% online & dining
3% international
20% welcome cashback on Amazon, noon, Careem, Talabat
AMERICAN EXPRESS
The American Express Platinum Credit Card
Salary: AED 21,250+
Annual Fee: AED 735
Earn 2 points for every AED 4 spent
20,000 Points for every referred friend
10% cashback every month, up to AED 600 annually
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
FIRST ABU DHABI BANK (FAB)
FAB SHARE Infinite Credit Card
Salary: AED 25,000+
Annual Fee: AED 1,050
10,000 bonus SHARE points
8% at malls & Carrefour
Free lounge access
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
EMIRATES NBD
ENBD U By Emaar Infinite Credit Card
Salary: AED 30,000+
Joining Fee: AED 2,625
Annual Fee: AED 1,575
Welcome Offer: Up to 25,000 UPoints
U By Emaar Platinum Status
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
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
FIRST ABU DHABI BANK (FAB)
FAB Etihad Guest Infinite Credit Card
Salary: AED 30,000+
Annual Fee: AED 2,500
Bonus: Up to 200,000 Etihad Guest Miles
7.5 Etihad Miles per AED 10 spent
Fast track to Etihad Gold membership.
HSBC
HSBC Cash+ Credit Card
Salary: AED 30,000+
No Annual Fee for the first year
Welcome Bonus: AED 800 Amazon gift card
1% cashback every day on all your purchases, with no minimum spend or earning caps
Complimentary Careem Plus subscription
CITIBANK
Citi Prestige Credit Card
Salary: AED 30,000+
Annual Fee: AED 1,500
10,000 bonus points annually post payment of annual fee
3 Points on non-AED spends
2 Points on local spends
EMIRATES NBD
ENBD Darna Visa Infinite Credit Card
Salary: AED 30,000+
Annual Fee: AED 1,575
Welcome bonus: 7,500 Darna Points on payment of annual fee
10% cashback on all spends at Aldar destinations
Complimentary Darna Platinum tier status
EMIRATES NBD
ENBD SHARE Infinite Credit Card
Salary: AED 30,000+
Joining Fee: AED 1,575
Annual Fee: AED 1,575
8% cashback with Al Futtaim brands
Welcome bonus: 10,000 SHARE Points
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 5,000–30,000 |
| 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 5,000–30,000 |
| 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 Welcome bonus Credit Cards for AED 35,000+ Salary in the UAE
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