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All third-party trademarks, logos, and brand names displayed on this website are the property of their respective owners. They are used for identification and informational purposes only, and their use does not imply affiliation with, endorsement by, or sponsorship from any trademark owner. If you are a trademark owner with concerns, please contact us and we will address them promptly.

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Best Grocery Credit Cards for AED 40,000+ Salary

Compare and explore grocery 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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June Spotlight

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.

See all
ENBD noon One Visa Credit Card Design

EMIRATES NBD

ENBD noon One Visa Credit Card

Salary: AED 5,000+

ENBD SHARE Platinum Credit Card Design

EMIRATES NBD

ENBD SHARE Platinum Credit Card

Salary: AED 5,000+

48 cards in the UAE

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ENBD noon One Visa Credit Card Design

EMIRATES NBD

ENBD noon One Visa Credit Card

Eligibility criteria

General requirements for credit card applications in the UAE. Exact thresholds vary by bank and card tier.

Minimum age21 years
Monthly salaryAED 5,000–30,000
EmploymentSalaried employees or self-employed professionals
ResidencyUAE residents with a valid Emirates ID and residence visa
Credit historyAECB credit score is checked; a clean record strengthens approval
Minimum age21 years
Monthly salaryAED 5,000–30,000
EmploymentSalaried employees or self-employed professionals
ResidencyUAE residents with a valid Emirates ID and residence visa
Credit historyAECB 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)

Not sure which card to pick?

Try the UAE Credit Card Picker

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.

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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

ExploreLearn more about ENBD noon One Visa Credit Card credit card benefits and features

No Annual Fee

4% cashback with Al Futtaim brands

0.75% cashback on other spends

Buy 1 get 1 movie ticket at VOX Cinemas

ExploreLearn more about ENBD SHARE Platinum Credit Card credit card benefits and features

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

ExploreLearn more about ENBD noon One Visa Credit Card credit card benefits and features
Liv Cashback Credit Card Design

LIV DIGITAL BANK BY EMIRATES NBD

Liv Cashback Credit Card

Salary: AED 5,000+

Free for life

Up to 2% Cashback on all spends

Instant redemption as Cashback or Miles

2 Free Movie Tickets + 20% off on F&B at VOX Cinemas

ExploreLearn more about Liv Cashback Credit Card credit card benefits and features
Tamayaz Platinum Credit Card Design

LIV DIGITAL BANK BY EMIRATES NBD

Tamayaz Platinum Credit Card

Salary: AED 5,000+

Free for life

6% cashback at Union Coop

2% on domestic dining and fuel

1% on intl and domestic retail

ExploreLearn more about Tamayaz Platinum Credit Card credit card benefits and features
FAB Cashback Credit Card Design

FIRST ABU DHABI BANK (FAB)

FAB Cashback Credit Card

Salary: AED 5,000+

Annual Fee: AED 300

5% cashback on fashion, dining, groceries

3% cashback on international spends

1% cashback on other retail spends

ExploreLearn more about FAB Cashback Credit Card credit card benefits and featuresApplyApply for FAB Cashback Credit Card credit card
FAB Islamic Cashback Credit Card Design

FIRST ABU DHABI BANK (FAB)

FAB Islamic Cashback Credit Card

Salary: AED 5,000+

Annual Fee: AED 300

5% cashback on fuel, dining, groceries

3% cashback on international spends

1% cashback on other retail spends

ExploreLearn more about FAB Islamic Cashback Credit Card credit card benefits and featuresApplyApply for FAB Islamic Cashback Credit Card credit card
ENBD Mastercard Titanium Credit Card Design

EMIRATES NBD

ENBD Mastercard Titanium Credit Card

Minimum Salary AED 5,000

No Annual Fee

AED 60,000 Job Loss Cover for 12 months

Lounge access at 10+ regional airports.

Exclusive travel and shopping deals.

ExploreLearn more about ENBD Mastercard Titanium Credit Card credit card benefits and features
ENBD U By Emaar Family Credit Card Design

EMIRATES NBD

ENBD U By Emaar Family Credit Card

Salary: AED 5,000+

No Annual Fee

1% cashback on all spends

5% cashback on Emaar spends

Buy 1 Get 1 Free Movie Tickets.

ExploreLearn more about ENBD U By Emaar Family Credit Card credit card benefits and features
ENBD Lulu 247 Titanium Credit Card Design

EMIRATES NBD

ENBD Lulu 247 Titanium Credit Card

Salary: AED 5,000+

No Annual Fee

Earn LuLu Points: Up to 3.5% cashback.

0% Balance Transfer - No Fees

Complimentary Lounge Access: 10+ lounges.

ExploreLearn more about ENBD Lulu 247 Titanium Credit Card credit card benefits and features
FAB SHARE Platinum Credit Card Design

FIRST ABU DHABI BANK (FAB)

FAB SHARE Platinum Credit Card

Salary: AED 5,000+

No Annual Fee

4% at malls & Carrefour

1% international

2-for-1 VOX monthly

ExploreLearn more about FAB SHARE Platinum Credit Card credit card benefits and featuresApplyApply for FAB SHARE Platinum Credit Card credit card
Emirates Islamic Switch Cashback Credit Card Design

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

ExploreLearn more about Emirates Islamic Switch Cashback Credit Card credit card benefits and featuresApplyApply for Emirates Islamic Switch Cashback Credit Card credit card
Emirates Islamic RTA Credit Card Design

EMIRATES ISLAMIC

Emirates Islamic RTA Credit Card

Salary: AED 5,000+

No Annual Fee

10% Cashback on RTA Transport

10% Cashback on Fuel

2.25% Cashback on Other Spends

ExploreLearn more about Emirates Islamic RTA Credit Card credit card benefits and featuresApplyApply for Emirates Islamic RTA Credit Card credit card
CBD Super Saver Credit Card Design

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

ExploreLearn more about CBD Super Saver Credit Card credit card benefits and featuresApplyApply for CBD Super Saver Credit Card credit card
HSBC Live+ Credit Card Design

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)

ExploreLearn more about HSBC Live+ Credit Card credit card benefits and featuresApplyApply for HSBC Live+ Credit Card credit card
Dubai First Cashback Credit Card Design

DUBAI FIRST

Dubai First Cashback Credit Card

Salary: AED 5,000+

Annual Fee: AED 418.95

5% Cashback on groceries, dining and fuel

0.50% Cashback on international and domestic retail spends

Instant Cashback Redemption

ExploreLearn more about Dubai First Cashback Credit Card credit card benefits and featuresApplyApply for Dubai First Cashback Credit Card credit card
ADCB LuLu Titanium Credit Card Design

ABU DHABI COMMERCIAL BANK (ADCB)

ADCB LuLu Titanium Credit Card

Salary: AED 5,000+

No Annual Fee

3.5 LuLu Points per AED 1 spent at LuLu stores

Up to 1 LuLu Points per AED 1 spent on all other spends

Complimentary airport lounge access

ExploreLearn more about ADCB LuLu Titanium Credit Card credit card benefits and featuresApplyApply for ADCB LuLu Titanium Credit Card credit card
ENBD SHARE Platinum Credit Card Design

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

ExploreLearn more about ENBD SHARE Platinum Credit Card credit card benefits and features
Al Hilal Cashback Credit Card Design

AL HILAL BANK

Al Hilal Cashback Credit Card

Salary: AED 5,000+

No Annual Fee

5% cashback on 2 categories from the following: dining, groceries, fuel, international and education

1% cashback on all other retail transactions except government spends

Complimentary airport lounge access to over 25 lounges worldwide

ExploreLearn more about Al Hilal Cashback Credit Card credit card benefits and featuresApplyApply for Al Hilal Cashback Credit Card credit card
Mawarid Titanium Credit Card Design

MAWARID FALAK TAYYEB FINANCE

Mawarid Titanium Credit Card

Salary: AED 5,000+

No Annual Fee

10% cashback on dining, groceries, and fuel (AED 100 cap)

5% cashback on education (AED 500 cap)

2% cashback on all other spends (AED 1,000 cap)

ExploreLearn more about Mawarid Titanium Credit Card credit card benefits and featuresApplyApply for Mawarid Titanium Credit Card credit card
ADIB Cashback Covered Credit Card Design

ABU DHABI ISLAMIC BANK (ADIB)

ADIB Cashback Covered Credit Card

Salary: AED 5,000+

Annual Fee: AED 99

4% cashback on groceries, fuel, education, dining and utility spends

Four Free Supplementary cards

Road Side Assistance once a Year​​​​

ExploreLearn more about ADIB Cashback Covered Credit Card credit card benefits and featuresApplyApply for ADIB Cashback Covered Credit Card credit card
ADIB SHARE Infinite Credit Card Design

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

ExploreLearn more about ADIB SHARE Infinite Credit Card credit card benefits and featuresApplyApply for ADIB SHARE Infinite Credit Card credit card
ADIB SHARE Visa Platinum Card Design

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

ExploreLearn more about ADIB SHARE Visa Platinum Card credit card benefits and featuresApplyApply for ADIB SHARE Visa Platinum Card credit card
UAB Titanium Credit Card Design

UNITED ARAB BANK (UAB)

UAB Titanium Credit Card

Salary: AED 6,000+

No Annual Fee

Welcome Offer: ENTERNAINER subscription

Up to 5% cashback on groceries and fuel

100% casbhack on video streaming subscription

ExploreLearn more about UAB Titanium Credit Card credit card benefits and featuresApplyApply for UAB Titanium Credit Card credit card
RAKBANK Titanium Credit Card Design

RAKBANK

RAKBANK Titanium Credit Card

Salary: AED 8,000+

No Annual Fee

Joining Bonus: AED 500

5% Cashback on Supermarkets, Dining

2% Standard Cashback

ExploreLearn more about RAKBANK Titanium Credit Card credit card benefits and featuresApplyApply for RAKBANK Titanium Credit Card credit card
Citi Rewards Credit Card Design

CITIBANK

Citi Rewards Credit Card

Salary: AED 8,000+

No Annual Fee for the first year

10,000 bonus points annually post payment of annual fee

1.5 Points on grocery and non-AED spends

1 Point on local spends

ExploreLearn more about Citi Rewards Credit Card credit card benefits and featuresApplyApply for Citi Rewards Credit Card credit card
Citi Cashback Credit Card Design

CITIBANK

Citi Cashback Credit Card

Salary: AED 8,000+

No Annual Fee for the first year

3% Cashback on non-AED spends

2% Cashback on grocery/supermarket spends

1% Cashback on all other spend

ExploreLearn more about Citi Cashback Credit Card credit card benefits and featuresApplyApply for Citi Cashback Credit Card credit card
ADCB 365 Cashback Credit Card Design

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

ExploreLearn more about ADCB 365 Cashback Credit Card credit card benefits and featuresApplyApply for ADCB 365 Cashback Credit Card credit card
ADCB LuLu Platinum Credit Card Design

ABU DHABI COMMERCIAL BANK (ADCB)

ADCB LuLu Platinum Credit Card

Salary: AED 8,000+

No Annual Fee

8 LuLu Points per AED 1 spent at LuLu stores

Up to 1.25 LuLu Points per AED 1 spent on all other spends

Complimentary airport lounge access

ExploreLearn more about ADCB LuLu Platinum Credit Card credit card benefits and featuresApplyApply for ADCB LuLu Platinum Credit Card credit card
FAB SHARE Signature Credit Card Design

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

ExploreLearn more about FAB SHARE Signature Credit Card credit card benefits and featuresApplyApply for FAB SHARE Signature Credit Card credit card
Deem Platinum Mastercard Design

DEEM

Deem Platinum Mastercard

Salary: AED 10,000+

No Annual Fee

30% off on Udemy

Debt Consolidation Option

Spend AED 100 for AED 100,000 weekly draw.

ExploreLearn more about Deem Platinum Mastercard credit card benefits and featuresApplyApply for Deem Platinum Mastercard credit card
Ajman Bank ULTRACASH Credit Card Design

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

ExploreLearn more about Ajman Bank ULTRACASH Credit Card credit card benefits and featuresApplyApply for Ajman Bank ULTRACASH Credit Card credit card
UAB Platinum Credit Card Design

UNITED ARAB BANK (UAB)

UAB Platinum Credit Card

Salary: AED 10,000+

No Annual Fee for the first year

Welcome Offer: ENTERNAINER subscription

Up to 5% cashback on groceries and fuel

100% casbhack on video streaming subscription

ExploreLearn more about UAB Platinum Credit Card credit card benefits and featuresApplyApply for UAB Platinum Credit Card credit card
ENBD Visa Flexi Credit Card Design

EMIRATES NBD

ENBD Visa Flexi Credit Card

Min Salary: AED 12,000

No Annual Fee

1.5% Rewards on retail spends

Lounge Access Included

30% discount at 2,000+ restaurants

ExploreLearn more about ENBD Visa Flexi Credit Card credit card benefits and features
ENBD Duo Credit Card Design

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

ExploreLearn more about ENBD Duo Credit Card credit card benefits and features
Emirates Islamic Cashback Plus Credit Card Design

EMIRATES ISLAMIC

Emirates Islamic Cashback Plus Credit Card

Salary: AED 12,000+

Annual Fee: AED 299

Up to 10% cashback on groceries, education, dining, telecom

Unlimited airport lounge access

2 rounds of complimentary golf per month

ExploreLearn more about Emirates Islamic Cashback Plus Credit Card credit card benefits and featuresApplyApply for Emirates Islamic Cashback Plus Credit Card credit card
ENBD Lulu 247 Platinum Credit Card Design

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.

ExploreLearn more about ENBD Lulu 247 Platinum Credit Card credit card benefits and features
ENBD SHARE Signature Credit Card Design

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

ExploreLearn more about ENBD SHARE Signature Credit Card credit card benefits and features
DIB Consumer Cashback Platinum Credit Card Design

DUBAI ISLAMIC BANK

DIB Consumer Cashback Platinum Credit Card

Salary: AED 15,000+

Annual Fee: AED 261.45

4% cashback on groceries, auto & education

4% cashback on bills

4% cashback on Salik & Nol

ExploreLearn more about DIB Consumer Cashback Platinum Credit Card credit card benefits and featuresApplyApply for DIB Consumer Cashback Platinum Credit Card credit card
Liv Cashback+ Credit Card Design

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

Instant redemption as Cashback or Miles

3 Free Movie Tickets + 20% off on F&B at VOX Cinemas

ExploreLearn more about Liv Cashback+ Credit Card credit card benefits and features
Tamayaz World Credit Card Design

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

ExploreLearn more about Tamayaz World Credit Card credit card benefits and features
Mawarid World Elite Credit Card Design

MAWARID FALAK TAYYEB FINANCE

Mawarid World Elite Credit Card

Salary: AED 15,000+

No Annual Fee

10% cashback on dining, groceries, and fuel (AED 500 cap)

5% cashback on education (AED 1,000 cap)

2% cashback on all other spends (AED 2,500 cap)

ExploreLearn more about Mawarid World Elite Credit Card credit card benefits and featuresApplyApply for Mawarid World Elite Credit Card credit card
Mawarid World Credit Card Design

MAWARID FALAK TAYYEB FINANCE

Mawarid World Credit Card

Salary: AED 15,000+

No Annual Fee

10% cashback on dining, groceries, and fuel (AED 500 cap)

5% cashback on education (AED 1,000 cap)

2% cashback on all other spends (AED 2,500 cap)

ExploreLearn more about Mawarid World Credit Card credit card benefits and featuresApplyApply for Mawarid World Credit Card credit card
Mawarid Platinum Credit Card Design

MAWARID FALAK TAYYEB FINANCE

Mawarid Platinum Credit Card

Salary: AED 15,000+

No Annual Fee

10% cashback on dining, groceries, and fuel (AED 250 cap)

5% cashback on education (AED 750 cap)

2% cashback on all other spends (AED 1,500 cap)

ExploreLearn more about Mawarid Platinum Credit Card credit card benefits and featuresApplyApply for Mawarid Platinum Credit Card credit card
RAKBANK World Credit Card Design

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

ExploreLearn more about RAKBANK World Credit Card credit card benefits and featuresApplyApply for RAKBANK World Credit Card credit card
ENBD Marriott Bonvoy World Elite Design

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

ExploreLearn more about ENBD Marriott Bonvoy World Elite credit card benefits and features
FAB SHARE Infinite Credit Card Design

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

ExploreLearn more about FAB SHARE Infinite Credit Card credit card benefits and featuresApplyApply for FAB SHARE Infinite Credit Card credit card
ENBD Visa Infinite Credit Card Design

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.

ExploreLearn more about ENBD Visa Infinite Credit Card credit card benefits and features
ENBD U By Emaar Infinite Credit Card Design

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

ExploreLearn more about ENBD U By Emaar Infinite Credit Card credit card benefits and features
ENBD SHARE Infinite Credit Card Design

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

ExploreLearn more about ENBD SHARE Infinite Credit Card credit card benefits and features
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 Grocery Credit Cards for AED 40,000+ Salary in the UAE

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.

Card issuers can update fees, rewards, and offer terms. Review the latest key facts statement before you apply.

These pages help you shortlist cards around AED 40,000+ salary requirements. Always confirm final eligibility with the bank during application.