Start with annual fee and minimum salary, then compare reward rates, monthly caps, and exclusions. Use the card detail page for full terms before applying.
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Compare and explore etihad credit cards in the UAE for AED 40,000+ salary requirements. Find the best rewards, cashback offers, and benefits. Apply online instantly with Kredit.
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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.
7 cards in the UAE
General requirements for credit card applications in the UAE. Exact thresholds vary by bank and card tier.
| Minimum age | 21 years |
| Monthly salary | AED 5,000–40,000 |
| 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 5,000–40,000 |
| 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.
Prepare these before you start an application. Some banks accept digital uploads; others require originals at a branch.
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Answer a few quick questions and we'll match the best UAE credit card to your monthly spending — personalised cashback, rewards and perks in under two minutes.
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
No Annual Fee
4% cashback with Al Futtaim brands
0.75% cashback on other spends
Buy 1 get 1 movie ticket at VOX Cinemas
No Annual Fee
Win trips to Etihad Stadium.
Win Tickets
Special Discounts Available
FIRST ABU DHABI BANK (FAB)
Salary: AED 8,000+
Annual Fee: AED 500
Welcome Bonus: 10,000 Miles
Earn 4 Etihad Miles per AED 10 spent.
2 free airport transfers/year
EMIRATES ISLAMIC
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
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 NBD
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)
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.
ABU DHABI COMMERCIAL BANK (ADCB)
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
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.
Common questions about Best Etihad Credit Cards for AED 40,000+ Salary in the UAE