Best Credit Cards in the UAE for AED 45,000 Salary
At AED 45,000 monthly salary you have access to the full Infinite-tier portfolio, from maximum airline miles to premium broad cashback and travel cards with lounge benefits.
See cardsLast updated: - Updated monthly using latest public card terms and salary requirements.
No new cards unlock at this specific tier — the next salary milestone with new card access is AED 50,000, which brings luxury dining benefits and maximum rewards programmes.
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Etihad Guest Infinite Credit Card
≈ AED 15,742 potential value / year · incl. perks
Welcome Bonus: 60,000 Etihad Guest Miles
Up to 3 Etihad Guest Miles per 1 USD
Up to 4 class upgrade vouchers
CITIBANK
Citi Ultima Credit Card
≈ AED 28,662 potential value / year · incl. perks
30,000 annual bonus miles
5 miles/USD non-AED
2.5 miles/USD in AED
14 lounge visits/year
4 Careem airport rides/year
RAKBANK
RAKBANK Elevate Credit Card
≈ AED 15,908 potential value / year · incl. perks · incl. welcome bonus · Privilege tier
Up to 4 RAKrewards/AED
Up to 3.2% travel value
Privilege: 0% bank FX fee
Unlimited lounge access + guest
6 airport transfers/year
Best Credit Cards in the UAE for AED 45,000 Salary compared
A side-by-side snapshot of annual fees, salary requirements, and standout benefits.
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 2,625 | AED 40,000 | Up to 3 Etihad Miles per USD, 60,000 welcome miles, 4 upgrade vouchers, from AED 40,000 |
| AED 3,150 | AED 36,750 | 5 miles per USD international, 30,000 annual bonus miles, from AED 36,750 |
 | Free | AED 40,000 | No annual fee, 5% cashback on Al-Futtaim brands, Visa Infinite, from AED 40,000 |
| AED 51.45 (waivable) | AED 35,000 | Up to 4 Rewards points/AED, lounge + airport transfers; only Privilege removes the bank FX surcharge, from AED 35,000 |
 | AED 1,575 | AED 25,000 | 3% flat cashback on all spend (up to AED 1,500/month), 1,000+ lounges via Mastercard Travel Pass, from AED 25,000 |
 | AED 1,050 | AED 40,000 | ADCB TouchPoints, Hotels.com voucher, 20% off talabat, from AED 40,000 |
 | AED 5,775 | AED 35,000 | 3.5 Skywards Miles per USD, Gold fast-track, Islamic option, from AED 35,000 |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 2,625 | AED 40,000 | Up to 3 Etihad Miles per USD, 60,000 welcome miles, 4 upgrade vouchers, from AED 40,000 |
| AED 3,150 | AED 36,750 | 5 miles per USD international, 30,000 annual bonus miles, from AED 36,750 |
| Free | AED 40,000 | No annual fee, 5% cashback on Al-Futtaim brands, Visa Infinite, from AED 40,000 |
| AED 51.45 (waivable) | AED 35,000 | Up to 4 Rewards points/AED, lounge + airport transfers; only Privilege removes the bank FX surcharge, from AED 35,000 |
| AED 1,575 | AED 25,000 | 3% flat cashback on all spend (up to AED 1,500/month), 1,000+ lounges via Mastercard Travel Pass, from AED 25,000 |
| AED 1,050 | AED 40,000 | ADCB TouchPoints, Hotels.com voucher, 20% off talabat, from AED 40,000 |
| AED 5,775 | AED 35,000 | 3.5 Skywards Miles per USD, Gold fast-track, Islamic option, from AED 35,000 |
ADCB Etihad Guest Infinite Credit Card
Annual feeAED 2,625
Min. salaryAED 40,000
HighlightUp to 3 Etihad Miles per USD, 60,000 welcome miles, 4 upgrade vouchers, from AED 40,000
Citi Ultima Credit Card
Annual feeAED 3,150
Min. salaryAED 36,750
Highlight5 miles per USD international, 30,000 annual bonus miles, from AED 36,750
FAB Blue Infinite Credit Card
Annual feeFree
Min. salaryAED 40,000
HighlightNo annual fee, 5% cashback on Al-Futtaim brands, Visa Infinite, from AED 40,000
RAKBANK Elevate Credit Card
Annual feeAED 51.45 (waivable)
Min. salaryAED 35,000
HighlightUp to 4 Rewards points/AED, lounge + airport transfers; only Privilege removes the bank FX surcharge, from AED 35,000
Invest Bank World Credit Card
Annual feeAED 1,575
Min. salaryAED 25,000
Highlight3% flat cashback on all spend (up to AED 1,500/month), 1,000+ lounges via Mastercard Travel Pass, from AED 25,000
ADCB TouchPoints Infinite Credit Card
Annual feeAED 1,050
Min. salaryAED 40,000
HighlightADCB TouchPoints, Hotels.com voucher, 20% off talabat, from AED 40,000
Emirates Islamic Skywards Black Credit Card
Annual feeAED 5,775
Min. salaryAED 35,000
Highlight3.5 Skywards Miles per USD, Gold fast-track, Islamic option, from AED 35,000
August 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
- 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
3.9/5
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
7 cards in the UAE
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Etihad Guest Infinite Credit Card
- 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
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
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
RAKBANK
RAKBANK Elevate Credit Card
- Salary: AED 35,000+
- Tier fee from AED 51.45/month
- Up to 4 RAKrewards/AED
- Up to 3.2% travel value
- Privilege: 0% bank FX fee
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
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
INVEST BANK
Invest Bank World Credit Card
- Salary: AED 25,000+
- Annual Fee: AED 1,575
- Flat 3% cashback on all spends (up to AED 1,500/month)
- Complimentary Airport Transfers with Careem
- Complimentary 1 GB of data roaming with Flexiroam once a year
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 25,000–40,000 |
| Employment | Salaried employees |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | Excellent AECB credit score required for Infinite-tier products |
| Minimum age | 21 years |
| Monthly salary | AED 25,000–40,000 |
| Employment | Salaried employees |
| Residency | UAE residents with a valid Emirates ID and residence visa |
| Credit history | Excellent AECB credit score required for Infinite-tier products |
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 Credit Cards in the UAE for AED 45,000 Salary
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