No. There are no UAE credit cards with a minimum salary requirement of exactly AED 45,000. The salary thresholds jump from AED 40,000 directly to AED 50,000. At AED 45,000 you can access all cards available at AED 40,000 and below, including ADCB Etihad Guest Infinite, FAB Blue Infinite, and Citi Ultima.
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 AED 40,000 and below: maximum airline miles earn, premium broad cashback, dedicated travel cards with lounge and transfer benefits, and a no-annual-fee Infinite option. 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.
Last updated: - Updated monthly using latest public card terms and salary requirements.
See cards
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Etihad Guest Infinite Credit Card
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
30,000 bonus miles annually post payment of annual fee
5 Miles on non-AED spends
RAKBANK
RAKBANK Elevate Credit Card
Up to 4% cashback on all your spends
Up to 3% value back on airline and hotel reward redemption
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 3,000 | AED 36,750 | 5 miles per USD international, 30,000 annual bonus miles, from AED 36,750 |
 | Free |
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.
EMIRATES NBD
ENBD noon One Visa Credit Card
7 cards in the UAE
Sort by
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Etihad Guest Infinite Credit Card
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.
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.
