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Best Travel Insurance Credit Cards for AED 40,000+ Salary
Compare and explore travel insurance 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.
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
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
25 cards in the UAE
ZIINA
Ziina Card
Free by default; Violet plan AED 100/month
No FX fee on non-AED spend (Violet)
Cashback at selected brands (Violet)
Lifestyle perks bundled with Violet
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
CBD
CBD One Credit Card
Salary: AED 5,000+
No Annual Fee
2-for-1 offers with the ENTERTAINER
Up to AED 500 cashback cap per month
50% off cinema tickets
CBD
CBD Smiles Visa Signature Credit Card
Salary: AED 5,000
Free Annual Fee First Year
90-Day Free Smiles Unlimited Subscription
Earn Smiles Points on AED Spending
50% Off Tickets
HSBC
HSBC Live+ Credit Card
Salary: AED 5,000+
First year fee-free
Up to AED 800 welcome cashback
6% dining cashback
5% fuel cashback
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
EMIRATES ISLAMIC
Emirates Islamic Amazon Platinum Credit Card
Salary: AED 5,000+
No Annual Fee
Welcome Bonus: up to AED 500 on spend in 60 days
Up to 6% back in Amazon Rewards on your spends with no cap
Up to 4 complimentary airport lounge visits per year
FIRST ABU DHABI BANK (FAB)
FAB Etihad Guest Platinum Credit Card
Salary: AED 8,000+
Annual Fee: AED 525
Welcome Bonus: 10,000 Miles
Earn 4 Etihad Miles per AED 10 spent.
2 free airport transfers/year
RAKBANK
RAKBANK High Flyer Platinum Credit Card
Salary: AED 10,000+
No Annual Fee
20,000 AirRewards Bonus Points
Complimentary Annual Ticket
Free Airport Transfers
EMIRATES NBD
ENBD Diners Club Credit Card
Salary: AED 12,000+
Annual Fee: AED 420
Earn Plus Points on spending.
Unlimited airport lounge access worldwide
30% discount at 2,000+ UAE restaurants
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 Etihad Guest Signature Credit Card
Salary: AED 15,000+
Free First Year, AED 1,575 After
Bonus: Up to 100,000 Etihad Miles
5.5 Etihad Miles per AED 10 spent
Fast track to Etihad Silver membership.
RAKBANK
RAKislamic Watani Credit Card
Salary: AED 15,000+
No Annual Fee First Year
Exclusive for UAE nationals
50,000 RAKrewards Bonus
100% Cashback on Salik + DARB
CITIBANK
Citi Premier Credit Card
Salary: AED 15,000+
Annual Fee: AED 787.50
10,000 bonus points annually post payment of annual fee
3 Points on non-AED spends
2 Points on local spends
EMIRATES ISLAMIC
Emirates Islamic Amazon World Credit Card
Salary: AED 15,000+
No Annual Fee
Welcome Bonus: AED 750 on AED 10,000 spend in 60 days
Up to 6% back in Amazon Rewards on your spends with no cap
Up to 2 free items at Costa at Dubai airports
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
DEEM
Deem World Mastercard
Salary: AED 25,000+
No Annual Fee
1,000+ lounges worldwide
Debt Consolidation Option
Spend AED 100 for AED 100,000 weekly draw.
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 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
FIRST ABU DHABI BANK (FAB)
FAB Etihad Guest Infinite Credit Card
Salary: AED 30,000+
Annual Fee: AED 2,625
Bonus: Up to 200,000 Etihad Guest Miles
7.5 Etihad Miles per AED 10 spent
Fast track to Etihad Gold membership.
HSBC
HSBC Cash+ Credit Card
Salary: AED 30,000+
No Annual Fee for the first year
Welcome Bonus: AED 800 Amazon gift card
1% cashback every day on all your purchases, with no minimum spend or earning caps
Complimentary Careem Plus subscription
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
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
UNITED ARAB BANK (UAB)
UAB World Credit Card
Salary: AED 40,000+
No Annual Fee for the first year
Welcome Offer: ENTERNAINER subscription
Up to 10% cashback on school fees, fashion on fuel
100% casbhack on video streaming subscription
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 Travel Insurance Credit Cards for AED 40,000+ Salary in the UAE
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