Best Credit Cards in the UAE for AED 40,000 Salary
See what an AED 40,000 monthly salary unlocks.
See cardsLast updated: - Sourced from official issuer documents and product pages.
Options range from airline co-brands to a no-annual-fee Infinite card, with some of the UAE market's most competitive earn rates. These cards are best suited for high-frequency travellers and cardholders with significant international spend.
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Etihad Guest Infinite Credit Card
≈ AED 13,998 potential value / year · incl. perks
Welcome Bonus: 60,000 Etihad Guest Miles
Up to 3 Etihad Guest Miles per 1 USD
Up to 4 class upgrade vouchers
FIRST ABU DHABI BANK (FAB)
FAB Blue Infinite Credit Card
≈ AED 28,920 potential value / year · incl. perks
8% cashback on Al-Futtaim brands
1% cashback on extra spending
Free airport lounge access
CITIBANK
Citi Ultima Credit Card
≈ AED 28,662 potential value / year · incl. perks
30,000 annual bonus miles
5 miles/USD non-AED
2.5 miles/USD in AED
14 lounge visits/year
4 Careem airport rides/year
Best Credit Cards in the UAE for AED 40,000 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 2,625 | AED 40,000 | Up to 3 Etihad Miles per USD, 60,000 welcome miles, 4 upgrade vouchers, from AED 40,000 |
| Free | AED 40,000 | No annual fee, 8% cashback on Al-Futtaim brands, Visa Infinite, from AED 40,000 |
| AED 3,150 | AED 36,750 | 5 miles per USD on international spend, 30,000 annual bonus miles, from AED 36,750 |
 | AED 617.40 (waivable) | AED 35,000 | Up to 4 Rewards points/AED, lounge + transfers; only Privilege removes the bank FX surcharge, from AED 35,000 |
 | 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 1,050 | AED 40,000 | ADCB TouchPoints, Hotels.com voucher, 20% off talabat, from AED 40,000 |
 | AED 5,775 | AED 35,000 | 3.5 Skywards Miles per USD, Gold fast-track, Islamic, carries over from AED 35,000 |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 2,625 | AED 40,000 | Up to 3 Etihad Miles per USD, 60,000 welcome miles, 4 upgrade vouchers, from AED 40,000 |
| Free | AED 40,000 | No annual fee, 8% cashback on Al-Futtaim brands, Visa Infinite, from AED 40,000 |
| AED 3,150 | AED 36,750 | 5 miles per USD on international spend, 30,000 annual bonus miles, from AED 36,750 |
| AED 617.40 (waivable) | AED 35,000 | Up to 4 Rewards points/AED, lounge + transfers; only Privilege removes the bank FX surcharge, from AED 35,000 |
| 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 1,050 | AED 40,000 | ADCB TouchPoints, Hotels.com voucher, 20% off talabat, from AED 40,000 |
| AED 5,775 | AED 35,000 | 3.5 Skywards Miles per USD, Gold fast-track, Islamic, carries over from AED 35,000 |
ADCB Etihad Guest Infinite Credit Card
Annual feeAED 2,625
Min. salaryAED 40,000
HighlightUp to 3 Etihad Miles per USD, 60,000 welcome miles, 4 upgrade vouchers, from AED 40,000
FAB Blue Infinite Credit Card
Annual feeFree
Min. salaryAED 40,000
HighlightNo annual fee, 8% cashback on Al-Futtaim brands, Visa Infinite, from AED 40,000
Citi Ultima Credit Card
Annual feeAED 3,150
Min. salaryAED 36,750
Highlight5 miles per USD on international spend, 30,000 annual bonus miles, from AED 36,750
RAKBANK Elevate Credit Card
Annual feeAED 617.40 (waivable)
Min. salaryAED 35,000
HighlightUp to 4 Rewards points/AED, lounge + transfers; only Privilege removes the bank FX surcharge, from AED 35,000
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
ADCB TouchPoints Infinite Credit Card
Annual feeAED 1,050
Min. salaryAED 40,000
HighlightADCB TouchPoints, Hotels.com voucher, 20% off talabat, from AED 40,000
Emirates Islamic Skywards Black Credit Card
Annual feeAED 5,775
Min. salaryAED 35,000
Highlight3.5 Skywards Miles per USD, Gold fast-track, Islamic, carries over from AED 35,000
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
7 cards in the UAE
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Etihad Guest Infinite Credit Card
- Salary: AED 40,000+
- Annual Fee: AED 2,625
- Welcome Bonus: 60,000 Etihad Guest Miles
- Up to 3 Etihad Guest Miles per 1 USD
- Up to 4 class upgrade vouchers
FIRST ABU DHABI BANK (FAB)
FAB Blue Infinite Credit Card
- Salary: AED 40,000+
- No Annual Fee
- 8% cashback on Al-Futtaim brands
- 1% cashback on extra spending
- Free airport lounge access
CITIBANK
Citi Ultima Credit Card
- Salary: AED 36,750
- Annual Fee: AED 3,150
- 30,000 annual bonus miles
- 5 miles/USD non-AED
- 2.5 miles/USD in AED
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB TouchPoints Infinite Credit Card
- Salary: AED 40,000+
- Annual Fee: AED 1,050
- 15,000 Touchpoints for spends of AED 15,000
- Hotels.com Voucher for 2 nights stay
- 20% off on talabat orders
EMIRATES ISLAMIC
Emirates Islamic Skywards Black Credit Card
- Salary: AED 35,000+
- Annual Fee: AED 5,775
- 3.5 Skywards miles/USD
- Fast-track to Skywards Gold
- 4 airport transfers/year
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
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 25,000–40,000 |
| Employment | Salaried employees; some cards require priority or wealth banking relationship |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | Excellent AECB credit score required; these are Infinite-tier products |
| Minimum age | 21 years |
| Monthly salary | AED 25,000–40,000 |
| Employment | Salaried employees; some cards require priority or wealth banking relationship |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | Excellent AECB credit score required; these are Infinite-tier products |
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 40,000 Salary
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