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Best Golf Credit Cards for AED 45,000+ Salary
Compare and explore golf credit cards in the UAE for AED 45,000+ 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
39 cards in the UAE
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 Yes Rewards Credit Card
- Salary: AED 5,000+
- No Annual Fee for the first Year
- 20,000 Yes Rewards Welcome Bonus
- Save up to 15% on fuel.
- 50% off cinema tickets
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
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
EMIRATES ISLAMIC
Emirates Islamic Switch Cashback Credit Card
- Salary: AED 10,000+
- 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
EMIRATES NBD
ENBD Mastercard Platinum Credit Card
- Salary: AED 12,000+
- No Annual Fee
- Unlimited lounge access
- 30% discount at 2000+ restaurants
- 40% discount at golf courses worldwide
EMIRATES NBD
ENBD Skywards Signature Credit Card
- Salary: AED 12,000+
- Joining Fee: AED 1,573.95
- Annual Fee: AED 735
- Earn 40,000 bonus Skywards Miles.
- 1.5 Skywards Miles per USD on Emirates, flydubai
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
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 Etihad Guest Saqer Credit Card
- Salary: AED 12,000+
- Annual Fee: AED 943.95
- Welcome Bonus: 30,000 Etihad Guest Miles
- Up to 3 Etihad Guest Miles per USD spent
- Fast-Track to Etihad Silver Status
EMIRATES ISLAMIC
Emirates Islamic Etihad Guest Ameera Credit Card
- Salary: AED 12,000+
- Annual Fee: AED 733.95
- Welcome Bonus: 20,000 Etihad Guest Miles
- Up to 3 Etihad Guest Miles per USD spent
- Fast-Track to Etihad Silver Status
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 Cashback Plus Credit Card
- Salary: AED 12,000+
- Annual Fee: AED 313.95
- Up to 10% cashback on groceries, education, dining, telecom
- Unlimited airport lounge access
- 2 rounds of complimentary golf per month
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 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.
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
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
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
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Traveller Credit Card
- Salary: AED 20,000+
- Annual Fee: AED 1,575
- 10% Cashback on airline tickets
- 10% Cashback on hotel stays
- 1.5% Cashback on all domestic spends
EMIRATES NBD
ENBD Dnata World Credit Card
- Salary: AED 20,000+
- Joining Fee: AED 1,048.95
- Annual Fee AED 1,048.95
- Welcome Offer: Up to AED 2,500 travel vouchers
- Earn 15% dnata Points on dnata spends.
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
AAFAQ ISLAMIC FINANCE
Aafaq World Elite Credit Card
- Salary: AED 20,000+
- Annual Fee: AED 1,050 (first year free)
- 5% online & dining
- 3% international
- 20% welcome cashback on Amazon, noon, Careem, Talabat
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
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
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
EMIRATES NBD
ENBD Skywards Infinite Credit Card
- Salary: AED 30,000+
- Joining Fee: AED 3,148.95
- Annual Fee: AED 1,575
- Bonus: Up to 100,000 Skywards Miles
- Complimentary Emirates Skywards Silver membership
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.
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
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 Golf Credit Cards for AED 45,000+ Salary in the UAE
Compare head-to-head
ENBD Darna Visa Infinite vs ADCB Traveller Credit Card
ENBD Voyager World Elite vs ENBD Darna Visa Infinite
ENBD Voyager World vs ADCB Traveller Credit Card
ENBD Voyager World Elite vs ADCB Traveller Credit Card
ENBD Voyager World Elite vs ENBD Skywards Infinite
ENBD Voyager World vs ENBD Voyager World Elite
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