Best Credit Cards in the UAE for AED 8,000 Salary
An AED 8,000 salary unlocks multi-category cashback cards with higher reward rates across dining, groceries, fuel, and utilities, along with Etihad miles earn options unavailable at the entry tier.
See cardsLast updated: - Updated monthly using latest public card terms and salary requirements.
Some cards at this level include welcome bonuses, salary-transfer incentives, and tiered cashback rates that reward consistent spending. Free-for-life cards from the AED 5,000 tier remain fully accessible alongside these higher-earning options.
SHARJAH ISLAMIC BANK
SIB Cashback Credit Card
≈ AED 10,816 potential value / year · incl. perks
3.8/5
10% Cashback on online and digital wallet spends
2% Cashback on international spends
1% Cashback on domestic retail spends
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB 365 Cashback Credit Card
≈ AED 12,132 potential value / year · incl. perks
6% cashback on dining (including online food orders)
5% cashback on fuel and Salik
3% cashback on groceries and supermarkets
FIRST ABU DHABI BANK (FAB)
FAB Etihad Guest Platinum Credit Card
≈ AED 10,342 potential value / year · incl. perks
Welcome Bonus: 10,000 Miles
Earn 4 Etihad Miles per AED 10 spent.
2 free airport transfers/year
Best Credit Cards in the UAE for AED 8,000 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 588 (waivable) | AED 5,000 | 2% on most eligible spend, no separate card annual fee, qualifying plan required, instant digital card |
 | Free | AED 5,000 | 5% dining cashback, 1% on all other spend, zero annual fee |
 | Free | AED 5,000 | Up to 2% cashback on all spends, free for life, instant redemption as cashback or miles |
 | Free | AED 5,000 | 6% cashback at Union Coop, 2% on domestic dining and fuel, free for life |
| AED 199 (waivable) | AED 8,000 | 10% on online and digital wallet spend, 2% international, from AED 8,000 |
| AED 383.25 | AED 8,000 | 6% dining, 5% fuel and Salik, 3% groceries, AED 5,000 monthly spend required |
| AED 525 | AED 8,000 | Etihad Guest Miles on all spend, airline benefits, from AED 8,000 |
 | Free | AED 8,000 | 5% cashback on Al-Futtaim brands, 1% on all other spend, no annual fee |
 | Free | AED 8,000 | 8 LuLu Points per AED 1 at LuLu stores, no annual fee, from AED 8,000 |
 | AED 103.95 | AED 5,000 | Sharia-compliant cashback with broad category coverage, AED 5,000 salary |
 | AED 367.50 | AED 5,000 | Sharia-compliant cashback across categories, AED 5,000 salary |
 | Free | AED 5,000 | 5% Noon cashback and strong online spend earn from ENBD |
| Card | Annual fee | Min. salary | Why it stands out |
|---|---|---|---|
| AED 588 (waivable) | AED 5,000 | 2% on most eligible spend, no separate card annual fee, qualifying plan required, instant digital card |
| Free | AED 5,000 | 5% dining cashback, 1% on all other spend, zero annual fee |
| Free | AED 5,000 | Up to 2% cashback on all spends, free for life, instant redemption as cashback or miles |
| Free | AED 5,000 | 6% cashback at Union Coop, 2% on domestic dining and fuel, free for life |
| AED 199 (waivable) | AED 8,000 | 10% on online and digital wallet spend, 2% international, from AED 8,000 |
| AED 383.25 | AED 8,000 | 6% dining, 5% fuel and Salik, 3% groceries, AED 5,000 monthly spend required |
| AED 525 | AED 8,000 | Etihad Guest Miles on all spend, airline benefits, from AED 8,000 |
| Free | AED 8,000 | 5% cashback on Al-Futtaim brands, 1% on all other spend, no annual fee |
| Free | AED 8,000 | 8 LuLu Points per AED 1 at LuLu stores, no annual fee, from AED 8,000 |
| AED 103.95 | AED 5,000 | Sharia-compliant cashback with broad category coverage, AED 5,000 salary |
| AED 367.50 | AED 5,000 | Sharia-compliant cashback across categories, AED 5,000 salary |
| Free | AED 5,000 | 5% Noon cashback and strong online spend earn from ENBD |
Wio Credit Card
Annual feeAED 588 (waivable)
Min. salaryAED 5,000
Highlight2% on most eligible spend, no separate card annual fee, qualifying plan required, instant digital card
Mashreq Cashback Credit Card
Annual feeFree
Min. salaryAED 5,000
Highlight5% dining cashback, 1% on all other spend, zero annual fee
Liv Cashback Credit Card
Annual feeFree
Min. salaryAED 5,000
HighlightUp to 2% cashback on all spends, free for life, instant redemption as cashback or miles
Tamayaz Platinum Credit Card
Annual feeFree
Min. salaryAED 5,000
Highlight6% cashback at Union Coop, 2% on domestic dining and fuel, free for life
SIB Cashback Credit Card
Annual feeAED 199 (waivable)
Min. salaryAED 8,000
Highlight10% on online and digital wallet spend, 2% international, from AED 8,000
ADCB 365 Cashback Credit Card
Annual feeAED 383.25
Min. salaryAED 8,000
Highlight6% dining, 5% fuel and Salik, 3% groceries, AED 5,000 monthly spend required
FAB Etihad Guest Platinum Credit Card
Annual feeAED 525
Min. salaryAED 8,000
HighlightEtihad Guest Miles on all spend, airline benefits, from AED 8,000
FAB Blue Platinum Credit Card
Annual feeFree
Min. salaryAED 8,000
Highlight5% cashback on Al-Futtaim brands, 1% on all other spend, no annual fee
ADCB LuLu Platinum Credit Card
Annual feeFree
Min. salaryAED 8,000
Highlight8 LuLu Points per AED 1 at LuLu stores, no annual fee, from AED 8,000
ADIB Cashback Covered Credit Card
Annual feeAED 103.95
Min. salaryAED 5,000
HighlightSharia-compliant cashback with broad category coverage, AED 5,000 salary
Emirates Islamic Cashback Credit Card
Annual feeAED 367.50
Min. salaryAED 5,000
HighlightSharia-compliant cashback across categories, AED 5,000 salary
ENBD noon One Visa Credit Card
Annual feeFree
Min. salaryAED 5,000
Highlight5% Noon cashback and strong online spend earn from ENBD
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
18 cards in the UAE
3.8/5
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
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB 365 Cashback Credit Card
- Salary: AED 8,000+
- Annual Fee: AED 383.25
- 6% cashback on dining (including online food orders)
- 5% cashback on fuel and Salik
- 3% cashback on groceries and supermarkets
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
FIRST ABU DHABI BANK (FAB)
FAB Blue Platinum Credit Card
- Salary: AED 8,000+
- No Annual Fee
- 5% Cashback on Al-Futtaim Brands
- 1% FAB Rewards Cashback
- 0% Interest Plans
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
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
- 4 lounge visits/year
CITIBANK
Citi Cashback Credit Card
- Salary: AED 8,000+
- No Annual Fee for the first year
- 3% Cashback on non-AED spends
- 2% Cashback on grocery/supermarket spends
- 1% Cashback on all other spend
RAKBANK
RAKBANK Titanium Credit Card
- Salary: AED 8,000+
- No Annual Fee
- Joining Bonus: AED 500
- 5% Cashback on Supermarkets, Dining
- 2% Standard Cashback
WIO BANK
Wio Credit Card
- Salary: AED 5,000+
- No Annual Fee with Wio Plan
- 2% Cashback on all spends
- 0.5% Cashback on Other Credit Card Bills
- Total Cashback up to AED 2,500/month
3.4/5
MASHREQ BANK
Mashreq Cashback Credit Card
- Salary: AED 5,000+
- No Annual Fee
- AED 500 Welcome Bonus
- Unlimited 5% Cashback on dining.
- 1% Cashback on international spends (non-dining)
LIV DIGITAL BANK BY EMIRATES NBD
Liv Cashback Credit Card
- Salary: AED 5,000+
- Free for life
- Up to 2% Cashback on all spends
- Cashback or Skywards Miles
- 2 Free Movie Tickets + 20% off on F&B at VOX Cinemas
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
FIRST ABU DHABI BANK (FAB)
FAB Cashback Credit Card
- Salary: AED 5,000+
- Annual Fee: AED 315
- 5% cashback on fashion, dining, groceries
- 3% cashback on international spends
- 1% cashback on other retail spends
ABU DHABI COMMERCIAL BANK (ADCB)
ADCB Essential Cashback Credit Card
- Salary: AED 5,000+
- No Annual Fee
- Welcome Bonus: AED 350
- Up to 1.25% cashback on all spends
- 0.75% on select categories
EMIRATES ISLAMIC
Emirates Islamic Cashback Credit Card
- Salary: AED 5,000+
- Annual Fee: AED 367.50
- 5% Cashback on telecom
- 5% Cashback on electronics
- Up to 1% cashback on all local and international spends
ABU DHABI ISLAMIC BANK (ADIB)
ADIB Cashback Covered Credit Card
- Salary: AED 5,000+
- Annual Fee: AED 103.95
- 4% cashback on groceries, fuel, education, dining and utility spends
- Four Free Supplementary cards
- Road Side Assistance once a Year
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
AL HILAL BANK
Al Hilal Cashback Credit Card
- Salary: AED 5,000+
- No Annual Fee
- 5% cashback on 2 categories from the following: dining, groceries, fuel, international and education
- 1% cashback on all other retail transactions except government spends
- Complimentary airport lounge access to over 25 lounges worldwide
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 5,000–8,000 |
| Employment | Salaried employees; some cards also accept self-employed |
| 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 5,000–8,000 |
| Employment | Salaried employees; some cards also accept self-employed |
| 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 Credit Cards in the UAE for AED 8,000 Salary
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