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SMART SPEND - FZCO, License No. 68272, Legal address: Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, United Arab Emirates

All third-party trademarks, logos, and brand names displayed on this website are the property of their respective owners. They are used for identification and informational purposes only, and their use does not imply affiliation with, endorsement by, or sponsorship from any trademark owner. If you are a trademark owner with concerns, please contact us and we will address them promptly.

Kredit publishes independent editorial content and card comparisons to help users evaluate credit card options. We may earn a commission when users click certain links, submit an application, are approved, or open an account with partner institutions. Compensation may affect how and where products appear on the site. We do not cover every available card, and our editorial analysis is produced independently and is not reviewed, approved, or influenced by card issuers, banks, or partners before or after publication.

Kredit is a product of SMART SPEND - FZCO, a licensed entity under the International Free Zone Authority (IFZA), UAE

Copyright © 2026 All Rights Reserved.

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Best Travel Credit Cards for AED 45,000+ Salary

Compare and explore travel credit cards in the UAE for AED 45,000+ salary requirements. Find the best rewards, cashback offers, and benefits. Apply online instantly with Kredit.

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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.

See all
ENBD noon One Visa Credit Card Design

EMIRATES NBD

ENBD noon One Visa Credit Card

Salary: AED 5,000+

ENBD SHARE Platinum Credit Card Design

EMIRATES NBD

ENBD SHARE Platinum Credit Card

Salary: AED 5,000+

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Ziina Card Design
DEBIT

ZIINA

Ziina Card

Eligibility criteria

General requirements for credit card applications in the UAE. Exact thresholds vary by bank and card tier.

Minimum age21 years
Monthly salaryAED 5,000–40,000
EmploymentSalaried employees or self-employed professionals
ResidencyUAE residents with a valid Emirates ID and residence visa
Credit historyAECB credit score is checked; a clean record strengthens approval
Minimum age21 years
Monthly salaryAED 5,000–40,000
EmploymentSalaried employees or self-employed professionals
ResidencyUAE residents with a valid Emirates ID and residence visa
Credit historyAECB 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)

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.

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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

ExploreLearn more about ENBD noon One Visa Credit Card credit card benefits and features

No Annual Fee

4% cashback with Al Futtaim brands

0.75% cashback on other spends

Buy 1 get 1 movie ticket at VOX Cinemas

ExploreLearn more about ENBD SHARE Platinum Credit Card credit card benefits and features

Monthly Fee: AED 100

Free Plan Available

No FX Fee

100% Cashback at selected brands

Lifestyle benefits with Violet

ExploreLearn more about Ziina Card credit card benefits and featuresApplyApply for Ziina Card credit card
Liv Cashback Credit Card Design

LIV DIGITAL BANK BY EMIRATES NBD

Liv Cashback Credit Card

Salary: AED 5,000+

Free for life

Up to 2% Cashback on all spends

Instant redemption as Cashback or Miles

2 Free Movie Tickets + 20% off on F&B at VOX Cinemas

ExploreLearn more about Liv Cashback Credit Card credit card benefits and features
Tamayaz Platinum Credit Card Design

LIV DIGITAL BANK BY EMIRATES NBD

Tamayaz Platinum Credit Card

Salary: AED 5,000+

Free for life

6% cashback at Union Coop

2% on domestic dining and fuel

1% on intl and domestic retail

ExploreLearn more about Tamayaz Platinum Credit Card credit card benefits and features
FAB Cashback Credit Card Design

FIRST ABU DHABI BANK (FAB)

FAB Cashback Credit Card

Salary: AED 5,000+

Annual Fee: AED 300

5% cashback on fashion, dining, groceries

3% cashback on international spends

1% cashback on other retail spends

ExploreLearn more about FAB Cashback Credit Card credit card benefits and featuresApplyApply for FAB Cashback Credit Card credit card
RAKBANK Air Arabia Platinum Credit Card Design

RAKBANK

RAKBANK Air Arabia Platinum Credit Card

Salary: AED 5,000+

Annual Fee: AED 400

20,000 AirRewards Bonus Points

Complimentary Annual Ticket

Free Airport Transfers

ExploreLearn more about RAKBANK Air Arabia Platinum Credit Card credit card benefits and featuresApplyApply for RAKBANK Air Arabia Platinum Credit Card credit card
ENBD Dnata Platinum Credit Card Design

EMIRATES NBD

ENBD Dnata Platinum Credit Card

Salary: AED 5,000+

Joining Fee: AED 525

Annual Fee: AED 525

Up to AED 1,000 travel vouchers.

Up to 15% Dnata Points on spends

ExploreLearn more about ENBD Dnata Platinum Credit Card credit card benefits and features
ENBD Mastercard Titanium Credit Card Design

EMIRATES NBD

ENBD Mastercard Titanium Credit Card

Minimum Salary AED 5,000

No Annual Fee

AED 60,000 Job Loss Cover for 12 months

Lounge access at 10+ regional airports.

Exclusive travel and shopping deals.

ExploreLearn more about ENBD Mastercard Titanium Credit Card credit card benefits and features
ENBD U By Emaar Family Credit Card Design

EMIRATES NBD

ENBD U By Emaar Family Credit Card

Salary: AED 5,000+

No Annual Fee

1% cashback on all spends

5% cashback on Emaar spends

Buy 1 Get 1 Free Movie Tickets.

ExploreLearn more about ENBD U By Emaar Family Credit Card credit card benefits and features
ENBD Lulu 247 Titanium Credit Card Design

EMIRATES NBD

ENBD Lulu 247 Titanium Credit Card

Salary: AED 5,000+

No Annual Fee

Earn LuLu Points: Up to 3.5% cashback.

0% Balance Transfer - No Fees

Complimentary Lounge Access: 10+ lounges.

ExploreLearn more about ENBD Lulu 247 Titanium Credit Card credit card benefits and features
FAB Du Titanium Credit Card Design

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

ExploreLearn more about FAB Du Titanium Credit Card credit card benefits and featuresApplyApply for FAB Du Titanium Credit Card credit card
FAB Manchester City Titanium Credit Card Design

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

ExploreLearn more about FAB Manchester City Titanium Credit Card credit card benefits and featuresApplyApply for FAB Manchester City Titanium Credit Card credit card
Emirates Islamic Switch Cashback Credit Card Design

EMIRATES ISLAMIC

Emirates Islamic Switch Cashback Credit Card

Salary: AED 5,000+

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

ExploreLearn more about Emirates Islamic Switch Cashback Credit Card credit card benefits and featuresApplyApply for Emirates Islamic Switch Cashback Credit Card credit card
CBD Super Saver Credit Card Design

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

Complimentary Hotel Night

ExploreLearn more about CBD Super Saver Credit Card credit card benefits and featuresApplyApply for CBD Super Saver Credit Card credit card
CBD One Credit Card Design

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

ExploreLearn more about CBD One Credit Card credit card benefits and featuresApplyApply for CBD One Credit Card credit card
CBD Smiles Visa Signature Credit Card Design

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

ExploreLearn more about CBD Smiles Visa Signature Credit Card credit card benefits and featuresApplyApply for CBD Smiles Visa Signature Credit Card credit card
CBD Yes Rewards Credit Card Design

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

ExploreLearn more about CBD Yes Rewards Credit Card credit card benefits and featuresApplyApply for CBD Yes Rewards Credit Card credit card
HSBC Live+ Credit Card Design

HSBC

HSBC Live+ Credit Card

Salary: AED 5,000+

No Annual Fee for the first year

Welcome Bonus: AED 800 Amazon gift card

6% cashback on dining (up to AED 200)

5% cashback on fuel (up to AED 200)

ExploreLearn more about HSBC Live+ Credit Card credit card benefits and featuresApplyApply for HSBC Live+ Credit Card credit card
Deem Titanium Mastercard Design

DEEM

Deem Titanium Mastercard

Salary: AED 5,000+

No Annual Fee First Year

30% off on Udemy

Debt Consolidation Option

Spend AED 100 for AED 100,000 weekly draw.

ExploreLearn more about Deem Titanium Mastercard credit card benefits and featuresApplyApply for Deem Titanium Mastercard credit card
Dubai First Cashback Credit Card Design

DUBAI FIRST

Dubai First Cashback Credit Card

Salary: AED 5,000+

Annual Fee: AED 418.95

5% Cashback on groceries, dining and fuel

0.50% Cashback on international and domestic retail spends

Instant Cashback Redemption

ExploreLearn more about Dubai First Cashback Credit Card credit card benefits and featuresApplyApply for Dubai First Cashback Credit Card credit card
ADCB LuLu Titanium Credit Card Design

ABU DHABI COMMERCIAL BANK (ADCB)

ADCB LuLu Titanium Credit Card

Salary: AED 5,000+

No Annual Fee

3.5 LuLu Points per AED 1 spent at LuLu stores

Up to 1 LuLu Points per AED 1 spent on all other spends

Complimentary airport lounge access

ExploreLearn more about ADCB LuLu Titanium Credit Card credit card benefits and featuresApplyApply for ADCB LuLu Titanium Credit Card credit card
FAB Rewards Indulge Card Design

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

ExploreLearn more about FAB Rewards Indulge Card credit card benefits and featuresApplyApply for FAB Rewards Indulge Card credit card
FAB Rewards Active Credit Card Design

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)

ExploreLearn more about FAB Rewards Active Credit Card credit card benefits and featuresApplyApply for FAB Rewards Active Credit Card credit card
Invest Bank Platinum Credit Card Design

INVEST BANK

Invest Bank Platinum Credit Card

Salary: AED 5,000+

No Annual Fee for the first year

Flat 3% cashback on all spends (up to AED 1,000/month)

Access to 25+ VIP Airport Lounges

20% off Careem rides (3 rides/month)

ExploreLearn more about Invest Bank Platinum Credit Card credit card benefits and featuresApplyApply for Invest Bank Platinum Credit Card credit card
ENBD Darna Select Visa Credit Card Design

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

ExploreLearn more about ENBD Darna Select Visa Credit Card credit card benefits and features
FAB Z Credit Card Design

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

ExploreLearn more about FAB Z Credit Card credit card benefits and featuresApplyApply for FAB Z Credit Card credit card
ADIB SHARE Infinite Credit Card Design

ABU DHABI ISLAMIC BANK (ADIB)

ADIB SHARE Infinite Credit Card

Salary: AED 5,000+

Annual Fee: AED 999

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

ExploreLearn more about ADIB SHARE Infinite Credit Card credit card benefits and featuresApplyApply for ADIB SHARE Infinite Credit Card credit card
FAB ADNOC Rewards Credit Card Design

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

ExploreLearn more about FAB ADNOC Rewards Credit Card credit card benefits and featuresApplyApply for FAB ADNOC Rewards Credit Card credit card
Mashreq Platinum Elite Credit Card Design
LIMITED OFFER

MASHREQ BANK

Mashreq Platinum Elite Credit Card

Salary: AED 7,000+

Annual Fee AED 650 + 5% VAT

Welcome Bonus: AED 1,500

8 complimentary Fitness First visits/month

5 points/AED intl, 3 points/dining, 1 point/local

ExploreLearn more about Mashreq Platinum Elite Credit Card credit card benefits and featuresApplyApply for Mashreq Platinum Elite Credit Card credit card
SIB Cashback Credit Card Design

SHARJAH ISLAMIC BANK

SIB Cashback Credit Card

Salary: AED 8,000+

No Annual Fee for the First Year

10% Cashback on online and digital wallet spends

2% Cashback on international spends

1% Cashback on domestic retail spends

ExploreLearn more about SIB Cashback Credit Card credit card benefits and featuresApplyApply for SIB Cashback Credit Card credit card
RAKBANK Titanium Credit Card Design

RAKBANK

RAKBANK Titanium Credit Card

Salary: AED 8,000+

No Annual Fee

Joining Bonus: AED 500

5% Cashback on Supermarkets, Dining

2% Standard Cashback

ExploreLearn more about RAKBANK Titanium Credit Card credit card benefits and featuresApplyApply for RAKBANK Titanium Credit Card credit card
FAB Etihad Guest Platinum Credit Card Design

FIRST ABU DHABI BANK (FAB)

FAB Etihad Guest Platinum Credit Card

Salary: AED 8,000+

Annual Fee: AED 500

Welcome Bonus: 10,000 Miles

Earn 4 Etihad Miles per AED 10 spent.

2 free airport transfers/year

ExploreLearn more about FAB Etihad Guest Platinum Credit Card credit card benefits and featuresApplyApply for FAB Etihad Guest Platinum Credit Card credit card
FAB GEMS World Credit Card Design

FIRST ABU DHABI BANK (FAB)

FAB GEMS World Credit Card

Salary: AED 8,000+

Annual Fee: AED 399

10% cashback on bus, canteen, uniform purchases

20% discount Emaar attractions

2% cashback on spending

ExploreLearn more about FAB GEMS World Credit Card credit card benefits and featuresApplyApply for FAB GEMS World Credit Card credit card
ADCB Etihad Guest Platinum Credit Card Design

ABU DHABI COMMERCIAL BANK (ADCB)

ADCB Etihad Guest Platinum Credit Card

Salary: AED 8,000+

Annual Fee: AED 525

Welcome Bonus: 12,000 Etihad Guest Miles

Up to 1.25 Etihad Guest Miles per 1 USD

1,000 Etihad Guest Miles monthly bonus

ExploreLearn more about ADCB Etihad Guest Platinum Credit Card credit card benefits and featuresApplyApply for ADCB Etihad Guest Platinum Credit Card credit card
ADCB LuLu Platinum Credit Card Design

ABU DHABI COMMERCIAL BANK (ADCB)

ADCB LuLu Platinum Credit Card

Salary: AED 8,000+

No Annual Fee

8 LuLu Points per AED 1 spent at LuLu stores

Up to 1.25 LuLu Points per AED 1 spent on all other spends

Complimentary airport lounge access

ExploreLearn more about ADCB LuLu Platinum Credit Card credit card benefits and featuresApplyApply for ADCB LuLu Platinum Credit Card credit card
ADCB TouchPoints Platinum Credit Card Design

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

ExploreLearn more about ADCB TouchPoints Platinum Credit Card credit card benefits and featuresApplyApply for ADCB TouchPoints Platinum Credit Card credit card
ADCB Shukran Credit Card Design

ABU DHABI COMMERCIAL BANK (ADCB)

ADCB Shukran Credit Card

Salary: AED 8,000+

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

ExploreLearn more about ADCB Shukran Credit Card credit card benefits and featuresApplyApply for ADCB Shukran Credit Card credit card
ADCB Islamic Emirati Credit Card Design

ABU DHABI COMMERCIAL BANK (ADCB)

ADCB Islamic Emirati Credit Card

Salary: AED 8,000+

Annual Fee: AED 945

Exclusive for UAE nationals

7% cashback on 7 categories

1% cashback on all other domestic and international spends

ExploreLearn more about ADCB Islamic Emirati Credit Card credit card benefits and featuresApplyApply for ADCB Islamic Emirati Credit Card credit card
Aafaq Platinum Credit Card Design

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

ExploreLearn more about Aafaq Platinum Credit Card credit card benefits and featuresApplyApply for Aafaq Platinum Credit Card credit card
Deem Platinum Mastercard Design

DEEM

Deem Platinum Mastercard

Salary: AED 10,000+

No Annual Fee

30% off on Udemy

Debt Consolidation Option

Spend AED 100 for AED 100,000 weekly draw.

ExploreLearn more about Deem Platinum Mastercard credit card benefits and featuresApplyApply for Deem Platinum Mastercard credit card
Ajman Bank ULTRACASH Credit Card Design

AJMAN BANK

Ajman Bank ULTRACASH Credit Card

Salary: AED 10,000+

Annual Fee: AED 300

Welcome Bonus: up to AED 500

5% cashback on fuel, education, grocery, online shopping

1% cashback on all other spends

ExploreLearn more about Ajman Bank ULTRACASH Credit Card credit card benefits and featuresApplyApply for Ajman Bank ULTRACASH Credit Card credit card
Ajman Bank LIFE Platinum Credit Card Design

AJMAN BANK

Ajman Bank LIFE Platinum Credit Card

Salary: AED 10,000+

No Annual Fee (Free for Life)

50% cashback on refreshments & snacks

10% cashback on Amazon, Noon & Careem

5% cashback on dine-in

ExploreLearn more about Ajman Bank LIFE Platinum Credit Card credit card benefits and featuresApplyApply for Ajman Bank LIFE Platinum Credit Card credit card
Ajman Bank LIFE World Credit Card Design

AJMAN BANK

Ajman Bank LIFE World Credit Card

Salary: AED 10,000+

Annual Fee: AED 600

Welcome Bonus: AED 1,000 cashback

50% cashback on refreshments & snacks

10% cashback on Amazon, Noon & Careem

ExploreLearn more about Ajman Bank LIFE World Credit Card credit card benefits and featuresApplyApply for Ajman Bank LIFE World Credit Card credit card
UAB Platinum Credit Card Design

UNITED ARAB BANK (UAB)

UAB Platinum Credit Card

Salary: AED 10,000+

No Annual Fee for the first year

Welcome Offer: ENTERNAINER subscription

Up to 5% cashback on groceries and fuel

100% casbhack on video streaming subscription

ExploreLearn more about UAB Platinum Credit Card credit card benefits and featuresApplyApply for UAB Platinum Credit Card credit card
ENBD U By Emaar Signature Credit Card Design

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

ExploreLearn more about ENBD U By Emaar Signature Credit Card credit card benefits and features
ENBD Mastercard Platinum Credit Card Design

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

ExploreLearn more about ENBD Mastercard Platinum Credit Card credit card benefits and features
ENBD Skywards Signature Credit Card Design

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

ExploreLearn more about ENBD Skywards Signature Credit Card credit card benefits and features
ENBD Visa Flexi Credit Card Design

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

ExploreLearn more about ENBD Visa Flexi Credit Card credit card benefits and features
ENBD Diners Club Credit Card Design

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

ExploreLearn more about ENBD Diners Club Credit Card credit card benefits and features
ENBD Duo Credit Card Design

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

ExploreLearn more about ENBD Duo Credit Card credit card benefits and features
Emirates Islamic Etihad Guest Saqer Credit Card Design

EMIRATES ISLAMIC

Emirates Islamic Etihad Guest Saqer Credit Card

Salary: AED 12,000+

Annual Fee: AED 899

Welcome Bonus: 30,000 Etihad Guest Miles

Up to 3 Etihad Guest Miles per USD spent

Fast-Track to Etihad Silver Status

ExploreLearn more about Emirates Islamic Etihad Guest Saqer Credit Card credit card benefits and featuresApplyApply for Emirates Islamic Etihad Guest Saqer Credit Card credit card
Emirates Islamic Etihad Guest Ameera Credit Card Design

EMIRATES ISLAMIC

Emirates Islamic Etihad Guest Ameera Credit Card

Salary: AED 12,000+

Annual Fee: AED 699

Welcome Bonus: 20,000 Etihad Guest Miles

Up to 3 Etihad Guest Miles per USD spent

Fast-Track to Etihad Silver Status

ExploreLearn more about Emirates Islamic Etihad Guest Ameera Credit Card credit card benefits and featuresApplyApply for Emirates Islamic Etihad Guest Ameera Credit Card credit card
Emirates Islamic Skywards Signature Credit Card Design

EMIRATES ISLAMIC

Emirates Islamic Skywards Signature Credit Card

Salary: AED 12,000+

Annual Fee: AED 700

Up to 1.5 Skywards Miles per USD spent

Unlimited complimentary access to over 1000 airport lounges

1 complimentary valet parking monthly

ExploreLearn more about Emirates Islamic Skywards Signature Credit Card credit card benefits and featuresApplyApply for Emirates Islamic Skywards Signature Credit Card credit card
Emirates Islamic Cashback Plus Credit Card Design

EMIRATES ISLAMIC

Emirates Islamic Cashback Plus Credit Card

Salary: AED 12,000+

Annual Fee: AED 299

Up to 10% cashback on groceries, education, dining, telecom

Unlimited airport lounge access

2 rounds of complimentary golf per month

ExploreLearn more about Emirates Islamic Cashback Plus Credit Card credit card benefits and featuresApplyApply for Emirates Islamic Cashback Plus Credit Card credit card
Emirates Islamic Emarati Credit Card Design

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

ExploreLearn more about Emirates Islamic Emarati Credit Card credit card benefits and featuresApplyApply for Emirates Islamic Emarati Credit Card credit card
ENBD Lulu 247 Platinum Credit Card Design

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.

ExploreLearn more about ENBD Lulu 247 Platinum Credit Card credit card benefits and features
ENBD Darna Visa Signature Credit Card Design

EMIRATES NBD

ENBD Darna Visa Signature Credit Card

Salary: AED 12,000+

Annual Fee: AED 300

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

ExploreLearn more about ENBD Darna Visa Signature Credit Card credit card benefits and features
ENBD SHARE Signature Credit Card Design

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

ExploreLearn more about ENBD SHARE Signature Credit Card credit card benefits and features
ENBD Voyager World Credit Card Design

EMIRATES NBD

ENBD Voyager World Credit Card

Salary: AED 12,000+

No Annual Fee

Welcome Offer: 75,000 Voyager Miles

6 Voyager Miles on every AED spent on Voyager Travel Portal

3 Voyager Miles on every AED spent on other travel bookings

ExploreLearn more about ENBD Voyager World Credit Card credit card benefits and features
Liv Cashback+ Credit Card Design

LIV DIGITAL BANK BY EMIRATES NBD

Liv Cashback+ Credit Card

Salary: AED 15,000+

Annual Fee: AED 735

Up to 4% Cashback on all spends

Instant redemption as Cashback or Miles

3 Free Movie Tickets + 20% off on F&B at VOX Cinemas

ExploreLearn more about Liv Cashback+ Credit Card credit card benefits and features
Tamayaz World Credit Card Design

LIV DIGITAL BANK BY EMIRATES NBD

Tamayaz World Credit Card

Salary: AED 15,000+

Annual Fee: AED 735

Welcome Bonus: AED 1,000 equivalent

10% cashback at Union Coop

3% cashback on international spends

ExploreLearn more about Tamayaz World Credit Card credit card benefits and features
FAB Emirati Islamic Credit Card Design

FIRST ABU DHABI BANK (FAB)

FAB Emirati Islamic Credit Card

Salary: AED 15,000+

Annual Fee: AED 600

Exclusive for UAE nationals

Up to 15 FAB Rewards per AED spent

Free valet parking 5 times a month across the UAE

ExploreLearn more about FAB Emirati Islamic Credit Card credit card benefits and featuresApplyApply for FAB Emirati Islamic Credit Card credit card
FAB Blue FAB Signature Credit Card  Design

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

ExploreLearn more about FAB Blue FAB Signature Credit Card credit card benefits and featuresApplyApply for FAB Blue FAB Signature Credit Card credit card
FAB Etihad Guest Signature Credit Card Design

FIRST ABU DHABI BANK (FAB)

FAB Etihad Guest Signature Credit Card

Salary: AED 15,000+

Free First Year, AED 1,500 After

Bonus: Up to 100,000 Etihad Miles

5.5 Etihad Miles per AED 10 spent

Fast track to Etihad Silver membership.

ExploreLearn more about FAB Etihad Guest Signature Credit Card credit card benefits and featuresApplyApply for FAB Etihad Guest Signature Credit Card credit card
Emirates Islamic Flex Elite Credit Card Design

EMIRATES ISLAMIC

Emirates Islamic Flex Elite Credit Card

Salary: AED 15,000+

Annual Fee: AED 735

75,000 EI SmartMiles Welcome Bonus

3.75% cashback on international spend

Unlimited rounds of golf

ExploreLearn more about Emirates Islamic Flex Elite Credit Card credit card benefits and featuresApplyApply for Emirates Islamic Flex Elite Credit Card credit card
CBD Visa Infinite Credit Card Design

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

ExploreLearn more about CBD Visa Infinite Credit Card credit card benefits and featuresApplyApply for CBD Visa Infinite Credit Card credit card
RAKislamic Watani Credit Card Design

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

ExploreLearn more about RAKislamic Watani Credit Card credit card benefits and featuresApplyApply for RAKislamic Watani Credit Card credit card
Citi Premier Credit Card Design

CITIBANK

Citi Premier Credit Card

Salary: AED 15,000+

Annual Fee: AED 750

10,000 bonus points annually post payment of annual fee

3 Points on non-AED spends

2 Points on local spends

ExploreLearn more about Citi Premier Credit Card credit card benefits and featuresApplyApply for Citi Premier Credit Card credit card
Emirates Islamic Amazon World Credit Card Design

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

ExploreLearn more about Emirates Islamic Amazon World Credit Card credit card benefits and featuresApplyApply for Emirates Islamic Amazon World Credit Card credit card
DIB SHAMS Infinite Credit Card Design

DUBAI ISLAMIC BANK

DIB SHAMS Infinite Credit Card

Salary: AED 20,000+

No Annual Fee for the First Year

5% Cashback on Dining and Travel bookings

Complimentary Access to Fitness First

Complimentary Airport Transfers

ExploreLearn more about DIB SHAMS Infinite Credit Card credit card benefits and featuresApplyApply for DIB SHAMS Infinite Credit Card credit card
ADCB Traveller Credit Card Design

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

ExploreLearn more about ADCB Traveller Credit Card credit card benefits and featuresApplyApply for ADCB Traveller Credit Card credit card
RAKBANK World Credit Card Design

RAKBANK

RAKBANK World Credit Card

Salary: AED 20,000+

No Annual Fee First Year

10% Cashback on Travel & Hotel Spends

10% Cashback on Supermarket Spends

10% Cashback on Dining Spends

ExploreLearn more about RAKBANK World Credit Card credit card benefits and featuresApplyApply for RAKBANK World Credit Card credit card
ENBD Dnata World Credit Card Design

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.

ExploreLearn more about ENBD Dnata World Credit Card credit card benefits and features
Emirates Islamic Etihad Guest Premium Credit Card Design

EMIRATES ISLAMIC

Emirates Islamic Etihad Guest Premium Credit Card

Salary: AED 20,000+

Annual Fee: AED 1,500

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

ExploreLearn more about Emirates Islamic Etihad Guest Premium Credit Card credit card benefits and featuresApplyApply for Emirates Islamic Etihad Guest Premium Credit Card credit card
Emirates Islamic Skywards Infinite Credit Card Design

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

ExploreLearn more about Emirates Islamic Skywards Infinite Credit Card credit card benefits and featuresApplyApply for Emirates Islamic Skywards Infinite Credit Card credit card
RAKislamic World Credit Card Design

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

ExploreLearn more about RAKislamic World Credit Card credit card benefits and featuresApplyApply for RAKislamic World Credit Card credit card
ADCB Etihad Guest Signature Credit Card Design

ABU DHABI COMMERCIAL BANK (ADCB)

ADCB Etihad Guest Signature Credit Card

Salary: AED 20,000+

Annual Fee: AED 1,050

Welcome Bonus: 35,000 Etihad Guest Miles

Up to 2 Etihad Guest Miles per 1 USD

Up to 2 class upgrade vouchers

ExploreLearn more about ADCB Etihad Guest Signature Credit Card credit card benefits and featuresApplyApply for ADCB Etihad Guest Signature Credit Card credit card
Aafaq World Elite Credit Card Design

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

ExploreLearn more about Aafaq World Elite Credit Card credit card benefits and featuresApplyApply for Aafaq World Elite Credit Card credit card
The American Express Platinum Credit Card Design

AMERICAN EXPRESS

The American Express Platinum Credit Card

Salary: AED 21,250+

Annual Fee: AED 735

Earn 2 points for every AED 4 spent

20,000 Points for every referred friend

10% cashback every month, up to AED 600 annually

ExploreLearn more about The American Express Platinum Credit Card credit card benefits and featuresApplyApply for The American Express Platinum Credit Card credit card
ENBD Marriott Bonvoy World Elite Design

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

ExploreLearn more about ENBD Marriott Bonvoy World Elite credit card benefits and features
FAB SHARE Infinite Credit Card Design

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

ExploreLearn more about FAB SHARE Infinite Credit Card credit card benefits and featuresApplyApply for FAB SHARE Infinite Credit Card credit card
FAB Travel Credit Card Design

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

ExploreLearn more about FAB Travel Credit Card credit card benefits and featuresApplyApply for FAB Travel Credit Card credit card
Mashreq Solitaire Credit Card Design
LIMITED OFFER

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

ExploreLearn more about Mashreq Solitaire Credit Card credit card benefits and featuresApplyApply for Mashreq Solitaire Credit Card credit card
Deem World Mastercard Design

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.

ExploreLearn more about Deem World Mastercard credit card benefits and featuresApplyApply for Deem World Mastercard credit card
Invest Bank World Credit Card Design

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

ExploreLearn more about Invest Bank World Credit Card credit card benefits and featuresApplyApply for Invest Bank World Credit Card credit card
ENBD Voyager World Elite Credit Card Design

EMIRATES NBD

ENBD Voyager World Elite Credit Card

Salary: AED 25,000+

No Annual Fee for the first year

Welcome Offer: 150,000 Voyager Miles

12 Voyager Miles on every AED spent on Voyager Travel Portal

6 Voyager Miles on every AED spent on other travel bookings

ExploreLearn more about ENBD Voyager World Elite Credit Card credit card benefits and features
ENBD Visa Infinite Credit Card Design

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.

ExploreLearn more about ENBD Visa Infinite Credit Card credit card benefits and features
ENBD U By Emaar Infinite Credit Card Design

EMIRATES NBD

ENBD U By Emaar Infinite Credit Card

Salary: AED 30,000+

Joining Fee: AED 2,625

Annual Fee: AED 1,575

Welcome Offer: Up to 25,000 UPoints

U By Emaar Platinum Status

ExploreLearn more about ENBD U By Emaar Infinite Credit Card credit card benefits and features
ENBD Skywards Infinite Credit Card Design

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

ExploreLearn more about ENBD Skywards Infinite Credit Card credit card benefits and features
ENBD Etihad Guest Visa Elevate Credit Card Design

EMIRATES NBD

ENBD Etihad Guest Visa Elevate Credit Card

Salary: AED 30,000+

Joining Fee: AED 2,625

Annual Fee: AED 1,575

Welcome Offer: Up to 200,000 Miles

10 Miles per AED 10 spend on Etihad

ExploreLearn more about ENBD Etihad Guest Visa Elevate Credit Card credit card benefits and features
FAB Etihad Guest Infinite Credit Card Design

FIRST ABU DHABI BANK (FAB)

FAB Etihad Guest Infinite Credit Card

Salary: AED 30,000+

Annual Fee: AED 2,500

Bonus: Up to 200,000 Etihad Guest Miles

7.5 Etihad Miles per AED 10 spent

Fast track to Etihad Gold membership.

ExploreLearn more about FAB Etihad Guest Infinite Credit Card credit card benefits and featuresApplyApply for FAB Etihad Guest Infinite Credit Card credit card
HSBC Cash+ Credit Card Design

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

ExploreLearn more about HSBC Cash+ Credit Card credit card benefits and featuresApplyApply for HSBC Cash+ Credit Card credit card
Citi Prestige Credit Card Design

CITIBANK

Citi Prestige Credit Card

Salary: AED 30,000+

Annual Fee: AED 1,500

10,000 bonus points annually post payment of annual fee

3 Points on non-AED spends

2 Points on local spends

ExploreLearn more about Citi Prestige Credit Card credit card benefits and featuresApplyApply for Citi Prestige Credit Card credit card
ENBD Darna Visa Infinite Credit Card Design

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

ExploreLearn more about ENBD Darna Visa Infinite Credit Card credit card benefits and features
ENBD SHARE Infinite Credit Card Design

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

ExploreLearn more about ENBD SHARE Infinite Credit Card credit card benefits and features
Emirates Islamic Skywards Black Credit Card Design

EMIRATES ISLAMIC

Emirates Islamic Skywards Black Credit Card

Salary: AED 35,000+

Annual Fee: AED 5,500

Up to 3.5 Skywards Miles per USD spend

Fast track to Emirates Skywards Gold Tier

4 Complimentary Airport Transfers Annually

ExploreLearn more about Emirates Islamic Skywards Black Credit Card credit card benefits and featuresApplyApply for Emirates Islamic Skywards Black Credit Card credit card
RAKBANK Elevate Credit Card Design

RAKBANK

RAKBANK Elevate Credit Card

Salary: AED 35,000+

Tier-based Monthly Fee

Up to 4% cashback on all your spends

Up to 3% value back on airline and hotel reward redemption

No Foreign Currency Fee

ExploreLearn more about RAKBANK Elevate Credit Card credit card benefits and featuresApplyApply for RAKBANK Elevate Credit Card credit card
Citi Ultima Credit Card Design

CITIBANK

Citi Ultima Credit Card

Salary: AED 36,750

Annual Fee: AED 3,000

30,000 bonus miles annually post payment of annual fee

5 Miles on non-AED spends

2.5 Miles on AED spends

ExploreLearn more about Citi Ultima Credit Card credit card benefits and featuresApplyApply for Citi Ultima Credit Card credit card
FAB Blue Infinite Credit Card Design

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

ExploreLearn more about FAB Blue Infinite Credit Card credit card benefits and featuresApplyApply for FAB Blue Infinite Credit Card credit card
ADCB Etihad Guest Infinite Credit Card Design

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

ExploreLearn more about ADCB Etihad Guest Infinite Credit Card credit card benefits and featuresApplyApply for ADCB Etihad Guest Infinite Credit Card credit card
ADCB TouchPoints Infinite Credit Card Design

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

ExploreLearn more about ADCB TouchPoints Infinite Credit Card credit card benefits and featuresApplyApply for ADCB TouchPoints Infinite Credit Card credit card
UAB World Credit Card Design

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

ExploreLearn more about UAB World Credit Card credit card benefits and featuresApplyApply for UAB World Credit Card credit card
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 Credit Cards for AED 45,000+ Salary in the UAE

Start with annual fee and minimum salary, then compare reward rates, monthly caps, and exclusions. Use the card detail page for full terms before applying.

Card issuers can update fees, rewards, and offer terms. Review the latest key facts statement before you apply.

These pages help you shortlist cards around AED 45,000+ salary requirements. Always confirm final eligibility with the bank during application.