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Best Rewards Points Credit Cards for AED 40,000+ Salary
Compare and explore rewards points credit cards in the UAE for AED 40,000+ salary requirements.
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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
- 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
4.0/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles after AED 35,000 spend
- No Annual Fee
- 6 Voyager Miles on every AED spent on Voyager Travel Portal
- 3 Voyager Miles on every AED spent on other travel bookings
EMIRATES NBD
ENBD Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles after AED 70,000 spend
- No Annual Fee for the first year
- 12 Voyager Miles on every AED spent on Voyager Travel Portal
- 6 Voyager Miles on every AED spent on other travel bookings
56 cards in the UAE
TABBY
Tabby Card
- Use anywhere with up to AED 10,000 to spend
- Monthly Fee: up to AED 49
- 5% cashback on selected categories with Plus
- Split payments in 4
- Additional cashback with selected partners
FIRST ABU DHABI BANK (FAB)
FAB Du Titanium Credit Card
- Salary: AED 5,000+
- No Annual Fee
- 10% cashback on du bills
- 10% cashback on data packages
- 10% off du Easy Payment Plans
FIRST ABU DHABI BANK (FAB)
FAB Manchester City Titanium Credit Card
- Salary: AED 5,000+
- No Annual Fee
- Win trips to Etihad Stadium.
- Win Tickets
- Special Discounts Available
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
MASHREQ BANK
Mashreq Platinum Plus Credit Card
- Salary: AED 5,000+
- Annual Fee: AED 313.95
- 10 points/AED on everyday categories
- 4 lounge visits/year
EMIRATES ISLAMIC
Emirates Islamic Flex Credit Card
- Salary: AED 5,000+
- No Annual Fee
- 10,000 EI SmartMiles Welcome Bonus
- Up to 2.25 EI SmartMiles per AED 1 spend
- Up to 2 Buy 1 Get 1 complimentary movie tickets each month
EMIRATES NBD
ENBD Go4it Gold Credit Card
- Salary: AED 5,000+
- No Annual Fee
- 5 points per AED 400 weekend spend
- Use Card as Nol Card.
- Free Rides on Dubai Ferry
FIRST ABU DHABI BANK (FAB)
FAB Rewards Indulge Card
- Salary: AED 5,000+
- No Annual Fee
- 20,000 FAB Rewards Bonus on spending AED 10,000 or more each month
- 5 FAB Rewards on online spends
- 1 FAB Reward on all other spends
FIRST ABU DHABI BANK (FAB)
FAB Rewards Active Credit Card
- Salary: AED 5,000+
- Annual Fee: AED 315
- 5 FAB Rewards per AED 1 on sports spending
- 2 FAB Rewards per AED 1 on domestic and international spending
- 25 FAB Rewards for every 1,000 daily steps in STEPPI (min 6,000 steps, capped at 10,000 steps/day)
EMIRATES NBD
ENBD Darna Select Visa Credit Card
- Salary: AED 5,000+
- No Annual Fee
- 6.25% cashback on all spends at Aldar destinations
- 0.75% cashback on spends at non-Aldar locations.
- Complimentary Darna Silver tier status
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
FIRST ABU DHABI BANK (FAB)
FAB Z Credit Card
- Salary: AED 5,000+
- No Annual Fee for the first year
- Free Careem Plus & Noon One for 1 year
- 20% off on monthly subscriptions to Netflix, PlayStation, YouTube, Spotify and more
- No FX fees abroad
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Shukran Credit Card
- Salary: AED 5,000+
- 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
ABU DHABI ISLAMIC BANK (ADIB)
ADIB SHARE Infinite Credit Card
- Salary: AED 5,000+
- Annual Fee: AED 1,048.95
- 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 208.95
- Welcome bonus: 2,000 SHARE Points
- Double SHARE Points (6%) at Carrefour/MAF for 90 days on new signups
- 3% back in SHARE Points at Carrefour and Majid Al Futtaim destinations
FIRST ABU DHABI BANK (FAB)
FAB ADNOC Rewards Credit Card
- Salary: AED 5,000+
- Annual Fee: AED 315
- 15% back on ADNOC fuel spending
- 3% back on SALIK, DARB and Mawaqif
- 2% back on international spending
FIRST ABU DHABI BANK (FAB)
FAB Blue Platinum Credit Card
- Salary: AED 8,000+
- No Annual Fee
- 5% Cashback on Al-Futtaim Brands
- 1% FAB Rewards Cashback
- 0% Interest Plans
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
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
AAFAQ ISLAMIC FINANCE
Aafaq Platinum Credit Card
- Salary: AED 8,000+
- Annual Fee: Free
- Mastercard Platinum lounge & meet & greet
- Balance Transfer, Finance on Phone & EPP
RAKBANK
RAKBANK High Flyer Platinum Credit Card
- Salary: AED 10,000+
- No Annual Fee
- Up to 5 RAKrewards/AED international
- 4 airport lounge visits/year
- 20% off Avis car rental
AL MASRAF
Al Masraf Platinum Credit Card
- Salary: AED 10,000+
- Annual Fee: AED 157.50
- Al Masraf Points, no cap
- 4 lounge visits/year
- booking.com, Talabat & Trip.com offers
EMIRATES NBD
ENBD U By Emaar Signature Credit Card
- Min Salary: AED 12,000
- Joining Fee: AED 525
- Annual Fee: AED 262.50
- 6.25% cashback on Emaar spends
- U By Emaar Gold Status
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 Skywards Signature Credit Card
- Salary: AED 12,000+
- Annual Fee: AED 735
- Up to 1.5 Skywards Miles per USD spent
- Unlimited complimentary access to over 1000 airport lounges
- 1 complimentary valet parking monthly
EMIRATES ISLAMIC
Emirates Islamic Emarati Credit Card
- Salary: AED 12,000+
- No Annual Fee
- Exclusive for UAE nationals
- Welcome Bonus: AED 1,000 as EI SmartMiles
- Up to 3.75 EI SmartMiles per AED 1
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 315
- 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
4.0/5
EMIRATES NBD
ENBD Voyager World Credit Card
- Salary: AED 12,000+
- 75,000 Miles after AED 35,000 spend
- No Annual Fee
- 6 Voyager Miles on every AED spent on Voyager Travel Portal
- 3 Voyager Miles on every AED spent on other travel bookings
FIRST ABU DHABI BANK (FAB)
FAB Emirati Islamic Credit Card
- Salary: AED 15,000+
- Annual Fee: AED 630
- Exclusive for UAE nationals
- Up to 15 FAB Rewards per AED spent
- Free valet parking 5 times a month across the UAE
FIRST ABU DHABI BANK (FAB)
FAB Blue FAB Signature Credit Card
- Salary: AED 15,000+
- No Annual Fee
- 5% Cashback on Al-Futtaim Brands
- 1% FAB Rewards Cashback
- 0% Interest Plans & Balance Transfers
3.9/5
EMIRATES ISLAMIC
Emirates Islamic Flex Elite Credit Card
- Salary: AED 15,000+
- Annual Fee: AED 735
- EI SmartMiles welcome offer
- 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
CITIBANK
Citi Premier Credit Card
- Salary: AED 15,000+
- Annual Fee: AED 787.50
- Welcome Bonus: AED 750 statement credit after AED 10,000 spend in 60 days
- 3 ThankYou Points per USD on dining, fuel and grocery
- 2 ThankYou Points per USD on other international spend
DUBAI ISLAMIC BANK
DIB SHAMS Infinite Credit Card
- Salary: AED 20,000+
- First year fee-free
- 10 points/AED dining + travel
- Fitness First access
- 4 airport transfers/year
EMIRATES ISLAMIC
Emirates Islamic Etihad Guest Premium Credit Card
- Salary: AED 20,000+
- Annual Fee: AED 2,625
- 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
RAKBANK
RAKislamic World Credit Card
- Salary: AED 20,000+
- No Annual Fee
- RAKrewards on Every Spend
- Cash Advance: Up to 80% of the credit limit
- Free Supplementary Card
AMERICAN EXPRESS
The American Express Platinum Credit Card
- Salary: AED 21,250+
- Annual Fee: AED 735
- Earn 2 points for every AED 4 spent
- 12 Priority Pass lounge visits per year
- 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
FIRST ABU DHABI BANK (FAB)
FAB Travel Credit Card
- Salary: AED 25,000+
- Annual Fee: AED 1,575
- Free flight each year to over 15 destinations
- 12% cashback on flights and hotel bookings
- No FX fees
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 Voyager World Elite Credit Card
- Salary: AED 25,000+
- 150,000 Miles after AED 70,000 spend
- No Annual Fee for the first year
- 12 Voyager Miles on every AED spent on Voyager Travel Portal
- 6 Voyager Miles on every AED spent on other travel bookings
AL MASRAF
Al Masraf World Credit Card
- Salary: AED 25,000+
- Annual Fee: AED 525
- Al Masraf Points, no cap
- 8 lounge visits/year
- Travel insurance & supplementary cards
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.
EMIRATES NBD
ENBD U By Emaar Visa Infinite Emirati Credit Card
- Salary: AED 30,000+
- First year free
- UAE Nationals only
- Up to 25,000 welcome UPoints
- 7.5% value back at Emaar
CITIBANK
Citi Prestige Credit Card
- Salary: AED 30,000+
- Annual Fee: AED 1,575
- 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
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
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
FIRST ABU DHABI BANK (FAB)
FAB Blue Infinite Credit Card
- Salary: AED 40,000+
- No Annual Fee
- 5% cashback on Al-Futtaim brands
- 1% cashback on extra spending
- Free airport lounge access
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
FIRST ABU DHABI BANK (FAB)
FAB Elite Credit Card
- Salary: AED 40,000+
- Annual Fee: AED 1,260
- Up to 20 FAB Rewards on luxury spending
- Up to 5 FAB Rewards on all other spending including abroad
- Up to 40% off at 100+ restaurants via ADV+
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 5,000–40,000 |
| 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.
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 Rewards Points Credit Cards for AED 40,000+ Salary in the UAE
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