Best Emirates Credit Cards for AED 40,000+ Salary
Compare and explore emirates credit cards in the UAE for AED 40,000+ salary requirements.
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October 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
14 cards in the UAE
ABU DHABI ISLAMIC BANK (ADIB)
ADIB Emirates Skywards Visa Signature Covered Card
- Salary: AED 5,000+
- Direct Skywards Miles
- Annual fee: AED 1,575
ABU DHABI ISLAMIC BANK (ADIB)
ADIB Emirates Skywards Visa Infinite Covered Card
- Salary: AED 5,000+
- Direct Skywards Miles
- Annual fee: AED 4,725
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
HSBC
HSBC Emirates Skywards Signature Credit Card
- Salary: AED 10,000+
- Direct Skywards Miles
- Annual fee: AED 1,050
DUBAI ISLAMIC BANK
DIB Emirates Skywards Platinum Covered Card
- Salary: AED 10,000+
- Direct Skywards Miles
- Annual fee: AED 525
EMIRATES NBD
ENBD Skywards Signature Credit Card
- Salary: AED 12,000+
- Joining Fee: AED 1,573.95
- Annual Fee: AED 735
- Up to 40,000 bonus Miles
- 1.5 Miles/USD on Emirates
EMIRATES ISLAMIC
Emirates Islamic Skywards Signature Credit Card
- Salary: AED 12,000+
- Annual Fee: AED 735
- Up to 1.5 Skywards Miles per USD spent
- 1 complimentary airport lounge visit yearly, with a guest
- 1 complimentary valet parking monthly
EMIRATES ISLAMIC
Emirates Islamic Skywards Infinite Credit Card
- Salary: AED 12,000+
- Up to 2 Skywards Miles per USD spent
- 2 complimentary airport lounge visits yearly, with a guest
- Automatic Skywards Silver Membership Upgrade
EMIRATES ISLAMIC
Emirates Islamic Skywards Black Credit Card
- Salary: AED 12,000+
- Annual Fee: AED 5,775
- 3.5 Skywards miles/USD
- Fast-track to Skywards Gold
- 4 airport transfers/year
DUBAI ISLAMIC BANK
DIB Emirates Skywards Signature Covered Card
- Salary: AED 15,000+
- Direct Skywards Miles
- Annual fee: AED 735
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback+ Credit Card
- Salary: AED 15,000+
- Annual Fee: AED 735
- Up to 4% Cashback on all spends
- Cashback or Skywards Miles
- 3 VOX B1G1 offers + 25% off F&B from AED 40
DUBAI ISLAMIC BANK
DIB Emirates Skywards Infinite Covered Card
- Salary: AED 20,000+
- Direct Skywards Miles
- Annual fee: AED 1,575
HSBC
HSBC Emirates Skywards Infinite Credit Card
- Salary: AED 30,000+
- Direct Skywards Miles
- Annual fee: AED 2,625
EMIRATES NBD
ENBD Skywards Infinite Credit Card
- Salary: AED 30,000+
- Joining Fee: AED 3,148.95
- Annual Fee: AED 1,575
- Up to 150,000 bonus Miles
- Skywards Silver membership
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 Emirates Credit Cards for AED 40,000+ Salary in the UAE
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